Alliance Data Card Services

2017-02-17

Sacramento, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-17

Albion, NY

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-17

Vancouver, WA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-17

Santa Monica, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Once again ( it happened once already before and was resolved ), when I made purchases through Paypal the purchases were used to open a Paypal Credit account, rather than forwarded to my credit card or bank account on file. The purchases were international so maybe that had something to do with it, but probably not ( see below ). As I was unaware of these charges sitting on the Paypal Credit account ( I do n't religiously check my email ; if they tried to send notification that way, I was unaware of it ), having thought they were already paid off through being forwarded to either of the XXXX accounts I have linked to Paypal on file, they accrued a late fee. I called up, complained, paid off the outstanding charge and was told the late fee will be rescinded and the account closed ( again ). I asked specifically if it was necessary to use Paypal Credit when making an international purchase, rather than Paypal ( and the linked accounts ), and was told no, it is not necessary. They could have been made solely through Paypal.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-17

Federal Way, WA

Late fee

Credit card:

Complaint: Comenity Bank, which is the issuer of the XXXX XXXX credit card charges more than 25 % interest rate while at the same time does n't offer their customers a way to autopay a bill. While every credit card that I hold has moved towards the autopay function for consumers to keep their accounts current, it appears that the bank is purposefully looking for ways to aggressively garner revenue from late fees and high interest rates. I 've requested on XXXX occasions since opening this card for an auto bill pay function, but this feedback has been met with the status quo.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-17

NJ

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: Threatened me to take legal action against me if i do n't call back within the same day. The message also said to make sure i had an attorney, and to send that information to him or he was going to do something that is going to impact me. He also made himself to sound as an attorney, and said that there were some papers on his desk and that if i did n't have an attorney he recommended me to get one.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-17

Hartsville, PA

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-17

Lake Panamoka, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-17

Milwaukee, WI

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: XXXX and Comenity Capital Bank XXXX XXXX XXXX OH XXXX XXXX for account number ending in XXXX has harassed me since XXXX by charging me a late fee of {$37.00} for a balance that was paid in XXXX 2016 in full. I have called and asked this to be corrected and they have refused. They continously report this to the credit bureaus monthly driving my score down over XXXX points since XXXX 2016 EVERY MONTH. I reported this to you in XXXX and still not resolve? When can I expect some help from you with an issue that is clearly out of control and unfair? They now have a balance of {$130.00} built strickly from late fees and interest that they are reporting which is incorrect and should be XXXX as this bill is paid. The original credit limit was only {$250.00}. I made orders and paid them faithly on time each month. Only when I paid the balance off did they start the antics to continously collect funds an keep me in debt. Please advise.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-17

Smyrna, SC

Advertising and marketing

Credit card:

Complaint: In XXXX I received a notice included in by bill that any purchase in excess of {$500.00} would be interest free for 6 months. I made a purchase of {$740.00}. The company, Comenity continued to charge me interest at their standard amount over the next 6 months even though I was paying the monthly bill and paid what should have been the outstanding balance at the end of the 6 month term. When I questioned it they told me that : my purchase was not during a promotion my purchase did not meet the minimum purchase amount When I went to my online account to pull the XXXX statement, it was mysteriously missing although all the other monthly statements were there. However the XXXX statement included the same promotion.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-16

Providence, RI

Application processing delay

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-16

Kinston, NC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-16

Napoleon, ND

Communication tactics

Debt collection: Credit card

Called outside of 8am-9pm
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-16

Berthoud, CO

Closing/Cancelling account

Credit card:

Complaint: I tried to purchase some items with my XXXX that is through Comenity Capital Bank. I was approved in store at XXXX with the highest interest rate of XXXX % due to my credit worthiness, I made a purchase and paid off the balance long before the due date. I had made some more purchases at the store not more than 2 or 3 weeks later and was under the assumption that my credit card was in good standing. Then I get a letter in the mail from Comenity Capital Bank on XX/XX/2017 telling me that I did not qualify for a lower interest rate on my account but they were excited to serve me as an XXXX card member. This letter is dated XX/XX/2017 and they had pulled my credit score on XX/XX/XXXX from Equifax with a score of XXXX. I tried to use my card on XX/XX/2017 at XXXX different locations and they all denied my transaction. I called the card company to find out that they had closed my account. I talked to a supervisor named XXXX from Comenity Bank who said her name would be in their documents if I needed to prove I spoke to a supervisor who gave me some answers after I had called the company 3 previous times the same day. The supervisor told me that they get their credit score from XXXX, even though the letter they sent me said their credit score was pulled from XXXX and told me that they had pulled some more information from all XXXX credit reporters and told me that the they reviewed my account, " audited '' my account and closed it on XX/XX/2017. I have checked all my credit reports and they all say that for XX/XX/2017, my accounts with Comenity Bank were in good standing. The supervisor also told me that the letter I received was sent in error and that no scores were actually pulled, but the fact that I have proof of a credit score number on the letter they sent me shows that the supervisor was not telling me the truth. All the bank keeps telling me is that I need to wait for the mail in order to know more about why they closed my account because they claimed to have no access to any records of why my account was closed even though they were the bank that closed my account. When I first had called, a representative had told me that there were notes on my account strictly stating to not re-open it. When i talked to the supervisor, she said that there was no way for them to re-open the account and that it was permanently closed and that there was nothing more she could tell me or do. She told me I would get a final bill, which I already paid off today on their bank website after getting off the phone with them, and their bank website still shows my account as completely active and does not indicate any issues. The only good thing to come from all this is that my XXXX credit report shows a hard inquiry from another credit card company that was never placed and am currently disputing it right now.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-15

N Hollywood, CA

Communication tactics

Debt collection: Credit card

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

Disputed: No Timely Response

2017-02-15

Addisleigh Park, NY

Other

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-15

Rockwell, NC

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-15

Oxford, GA

Other fee

Credit card:

Complaint: I had a service done at XXXX, at the time the promotion was XXXX % off of XXXX. The way you create an account with them is by credit check and you have a limit amount you can use with the store. I was approved, and the way it was explained to me is as far as you do not make late payments you will not have any additional fees. I have made every monthly payment since XX/XX/2015, started at {$3600.00}. My XX/XX/XXXX statement was {$980.00}. Each payment has to be schedule because they do to allow an automatic payment, so it is easy to forget, either way I normally set 2 months in advance, because it will not let you set more than about 50 days of payments. The day the payment is received I get an email confirmation and the new balance, so I rarely go look at my statements. On XX/XX/XXXX I go to my account to set up a payment for the XX/XX/XXXX which is due XX/XX/XXXX and the balance is {$2100.00}. I look at the charges and it shows that I had an interest charge of {$1200.00} on my account XX/XX/XXXX which is in between statements. I immediately call their customer service and what I am told is that I had 4 days to dispute the claim. I was not aware of the charges ( I do not have a reason to go on the website if I set up payments for 2 months in a row, ) or of the end date of the " promotion '', or else I would have aid the account in full. I offered to pay my previous balance in full before the interest charges and they gave me no answer to this.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-15

Holy Cross, IA

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-15

Lewisville, TX

Credit card protection / Debt protection

Credit card:

Complaint: On XXXX XXXX, 2016, I lost my job for filing a complaint of discrimination. I notified my XXXX/Comenity Bank credit card to activate my unemployment insurance card protection services. Which was done. Payments was made to the credit card lendor Comenity Bank. I was required to file periodic claim forms for the Insurance company. While at a " working interview '' I was contacted by a bill collector, XXXX XXXX XXXX XXXX " attempting to collect a debt for ComenityXXXX ''. I lost the job prospect due to them not getting off the telephone. I called them back to let them know what happened. It was brought to my attention that Comenity Bank/XXXX XXXX had charged off my account and sold it to them for collection. I explained everything to them and they verified that their records showed that the payments had been made to Comenity Bank/XXXX and that they wanted to collect the amount due. I was furious. This can not be legal. I faxed over a letter to Comenity Bank/XXXX demanding that that they correct this matter, repair my damaged credit report, activate my account/take the account back from the creditor and remove the charge off since they have been paid. To date they have done nothing and today I was told by XXXX XXXX that her supervisor said that I needed to contact XXXX XXXX XXXX XXXX to pay toward the account. I have the documents needed to support my complaint to your offices as well as the insurance claim paperwork-payments made from the insurance company to Comenity Bank/XXXX for this account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-15

Lk Buena Vis, FL

Closing/Cancelling account

Credit card:

Complaint: There was an application submitted on XXXX XXXX, 2016 for XXXX XXXX Visa through Comenity Capitol bank. It resulted in an online approval. However, I called and was told that it was only a soft pull. Subsequently the account was closed before the card was ever sent out. This additional account totally XXXX up my XXXX and also showed as a hard pull from XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-15

Hicksville, NY

Billing disputes

Credit card:

Complaint: I had an XXXX Credit Line. I paid for services and gift cards using the credit line. They filed for bankruptcy and closed down before the services/giftcards could be used and they are now going after me for the money./ I have called them and mailed stuff to them, but they just keep harassing me with phone calls at home, cell and work.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-15

OR

Other

Credit card:

Complaint: I obtained a credit card from XXXX, which is provided by Comenity Bank. My goal was to purchase items on their site-advertised 6 months finance charge free offer. Comenity Bank claims there is no such program with XXXX. I paid the merchandise off yet continue to be charged interest and late fees - on the interest I was n't supposed to be charged.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-14

Ponce Inlet, FL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-14

Beyersville, TX

Other transaction issues

Money transfers: Domestic (US) money transfer

Complaint: XXXX sells computer monitoring and cell phone monitoring software, but the information that their website claims to provide was not available. I purchased this software to be able to retrieve deleted text messages and call log history on XX/XX/XXXX for {$100.00} using XXXX. Once I obtained access to the website, I was unable to access the call log history as advertised by the supplier. I was told I had to pay an additional {$29.00} to access that information. I paid the {$29.00} on XX/XX/XXXX using my XXXX card and was still unable to access the call log history. I requested a refund from XXXX on XX/XX/XXXX and my claim was denied. I then filed a dispute with XXXX for the original purchase price of {$100.00} and XXXX has denied my claim because XXXX is unable to enforce the supplier to provide a service. I paid for an annual subscription charge and I have been unable to access my account since I filed the compliant with XXXX. Supplier suspended my account and will only turn on my access if I pay a reactivation fee. I requested assistance on two separate occasions to provide me the call log history. Each time, I was told the information would be manually pushed to me and the data was NEVER made available to me. I have access with a different supplier and can see the call log history that has over 1100 call log history information available. On XX/XX/XXXX, I was told by supplier customer service agent XXXX, because I requested a refund through the link made available to me to their website to request a refund and by filing the claim through XXXX, my account was suspended by their billing team due to the charge their company paid to XXXX for the service of the claim I filed. I have not had access to this account since XX/XX/XXXX after purchasing the software on XX/XX/XXXX. I do not think it is fair to charge me for a service the supplier can not provide and for a product that I no longer have access to. It is totally ridiculous I would have to pay a reactivation fee to turn on a service I did not request to have deactivated. XXXX made a decision to suspend my account because I filed a claim with XXXX. How can XXXX suspend my account and refuse to refund me my money for an annual subscription I paid for and used for 3 weeks? I would like to kindly request a full refund for {$100.00} since I only had access to the website for 3 weeks for an annual subscription. If the supplier wishes to charge me for the 3 weeks I had access to the software and refund me for the 53 weeks that I will not be able to access the account, that is fine, but I refuse to pay for the full price for a product I no longer have access to and for a service the supplier is unable to provide. XXXX should view this as a product that was returned because I no longer have access to the software. I am not asking XXXX to have the supplier provide me a service because the supplier has taken away the product so that I can no longer use it. I did not ask to have the service suspended. Since the supplier made a business decision to suspend my account since I filed a claim with XXXX, the company should refund me my money. The supplier had their billing department suspend my account because of the claim I filed with XXXX. XXXX denied my claim because XXXX considered my subscription to be a service and since I had access to the 12 month subscription for less than 1 month, XXXX denied my claim. According to XXXX, " The subscription business model is a business model where a customer must pay a subscription price to have access to the product/service. '' I compare this to a product that has been returned that I no longer have access to because the supplier deactivated my account.
Company Response: Closed with explanation

Disputed: Yes Timely Response