Alliance Data Card Services

2017-02-21

Miami, FL

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Threatened to take legal action
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

Federal Way, WA

Billing disputes

Credit card:

Complaint: XX/XX/XXXX This is the supporting information enclosed with the letter of dispute dated XX/XX/XXXX. This charge of {$400.00} is invalid. Here is the detail information of this incident : 1. In XX/XX/XXXX, I purchased a new, unlocked iphone from XXXX. ( Encl.1-A ) 2. I received an unsatisfied product because of the DISHONEST BUSINESS PRACTICE conducted by XXXX third party seller, Q1W. The phone I received is a pre-owned, locked by XXXX 3. I contacted XXXX to request a refund. But XXXX refused to offer any assistance stating because the order was fulfilled by third party seller, there is nothing they can do. 4. I began contact the seller for refund. The seller insists that it is a new phone. During the conversation, the seller even suggested " jail-breaking '' to make it work. I refused because a new phone does not need to jail-break, and it would potentially void the warranty. Furthermore, it indicates that the phone I received is not brand new ( The seller knew it. ). 5. In the meantime, I also filed dispute to XXXX ( now XXXX ) explaining all the details 6. With the help of XXXX, I have obtained a report that clearly shows this phone 's previous owner 's name and address. ( Encl. 1-B ) 7. I presented this evidence to the seller and XXXX. The seller finally agreed to offer a full refund. 8. I sent back the phone as per seller 's instruction and tracked the progress closely. I compiled a file listed all the actions I took during the process. ( Encl.1-C ). 9. The same timeline of the progress was also sent to XXXX for verification ( Encl. 1-C ) .The final notice # XXXX dated XX/XX/XXXX received. The charge of {$400.00} was removed based on the facts that the wrong product was sent to the customer and I have put my best efforts to return the product and have the wrong charge removed ( Encl.1-D ). Everything seems to work as it should be. However, unfortunately ... ... .. NewEgg, the original seller of this purchase, refused to provide any services to their customer in the first place. I, as a customer was forced to bypass NewEgg, to proceed the product return and refund on my own. Worse yet, NewEgg later imposed a charge back against my PayPal account for the money they are absolutely not entitle to collect. And, and NewEgg suspended my account all together. Based on the information provided above, it is crystal clear that the charge of {$400.00} is invalid. Under no circumstances, I should pay for the product/service that I do not receive.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

Brooksville, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

Eastchester, NY

Balance transfer

Credit card:

Complaint: I applied for a Commenity Bank/XXXXVISA balance transfer on XX/XX/2017 for {$6100.00} to my XXXX XXXX account. Commenity Bank/XXXXVISA charged my account the {$6100.00} plus a transfer fee immediately but till this date has not made the balance transfer. I have called them on so many occasions. I have heard stories from Commenity Bank/XXXXVISA that the transfer takes up to 60 day to just recently, the check for the transfer was sent out and cashed. My XXXX XXXX account still has not received any transfer. Now I have the amount of the balance transfer showing up as additional debt on my credit report which has negatively affected it and I 'm paying for a transfer that was never made. I already told them I do n't want the transfer anymore. Please help.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-21

Sylva, NC

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

Rehoboth Bch, DE

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

Pacifica, CA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-21

Allenwood, NJ

Billing disputes

Credit card:

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-21

Bentley, MI

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-21

AR

Incorrect information on credit report

Credit reporting:

Account status
Complaint: XXXX XXXX,2016, i open a credit account with ( comenity-blair.I purchased ( {$65.00} worth of merchandise, which i paid off by installment payments, that were made by sending money orders.They have been paid off, but they are still calling and writing for more payments, They sent incorrect information to a credit bureau.They have gone from the ( {$65.00}, which i paid off, to a new balance, of ( XXXX.I have not made any additional purchases.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-20

Beyersville, TX

Late fee

Credit card:

Complaint: I Paid my balance prior to receiving a statement and I was charged a late fee. I had a XXXX balance prior to making a purchase in XXXX. I paid the amount I charged on XXXX XXXX, 2016. I realized in XXXX my balance looked different and saw I was charged a late fee for two payments made prior to the statement being generated. The payments were never late and I do n't understand how they can charge a late fee for paying early?
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-20

Hinkley, CA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: XXXX is sending me collection notices from an account that is not mine. The balance on this account is XXXX for a PayPal Credit Account that is not mine. Collection notices are coming to my house.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-20

Poughkeepsie, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: My XXXX, offered through Comenity Bank, offered a balance transfer offer with a XXXX % apr and a XXXX % transfer fee of all money transferred, up to my credit line. The offer was stated as follows : XXXX % Promotional APR* is available on eligible balances transferred through XX/XX/XXXX. Thereafter XXXX % variable APR will apply to the remaining transferred balance. ** So, although the above statement indicated that the offer was available on eligible balances transferrred through XX/XX/XXXX, when I applied for this offer in XX/XX/XXXX, I was informed that the offer expired
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-19

Taft, OH

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-19

Taft, OH

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-19

Wrentham, MA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-19

Taft, OH

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-19

Oxford, GA

Customer service / Customer relations

Credit card:

Complaint: PayPal placed a cease and desist on my account without contacting me.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-18

Traverse City, MI

Privacy

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-18

Tarzana, CA

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2017-02-18

Golden Isles, FL

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-18

Clermont, FL

Customer service / Customer relations

Credit card:

Complaint: On XXXX XXXX, 2017, while checking my banking activity, I noticed that there had been a double payment made to my credit card with Comenity Capital Bank for {$3000.00}. I immediately called the Banks customer service and spoke to a person named XXXX asking that the over payment be transferred back into my account. I furnished her all my routing and account information and she said that it would take 7-10 days to complete the transaction. On XXXX XXXX, I called to check on the progress and was told by XXXX that the transfer was in process and sho0uld be in my account either that day or the next. On XXXX XXXX, I spoke to XXXX at customer service an was told that the refund would be processed after any outstanding balance on the current months bill was subtracted but since the amount was over {$500.00} their policy was to take up to 21 days to be processed. I asked to be transferred to a Supervisor. I then spoke to XXXX XXXX Badge # XXXX XXXX, who told me that Their policy was to hold refunds over {$1000.00} for up to 21 days. She stated that the refund would be processed and a check sent after the wait period. On XXXX XXXX, I received a letter from Comenity that I would not receive any refund since my balance on XXXX XXXX exceeded the amount of payment as of XXXX XXXX. Payment to Comenity for the initial was posted as paid on XXXX XXXX and the second over payment on XXXX XXXX, so this statement does n't make sense. Even today, I show a credit of over {$1400.00} on my account. They had already deducted the outstanding balance from the over payment, even though the bill for XXXX has just been sent out. Not only is this policy unreasonable but I do n't see how it is legal. I was lied to multiple times by various people and still have no idea how much or when I will receive any part of my over payment. I understand that the original error was mine, but do n't feel it excuses their response or very unfair procedure for handling over payments. Since I received this card through my XXXX membership, I plan to cancel the card and revert to the membership without a credit card. These people could take a lesson from XXXX, who knows how to handle customer service.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-17

IA

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-17

Bowmont, ID

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-17

Berkeley, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response