Alliance Data Card Services

2017-02-05

East Fishkill, NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-05

Kendall, FL

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-05

Lexington, NC

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: This Credit card company keeps calling after I have explained to them mulitple times that I am filing for XXXX and do not have any income at the moment. They have asked how I can afford a cell phone and asked why the person that is helping me out can not help with this debt ( he does n't have any extra money either. ) They unfortunately call from a unlisted number but every time I have answered it has been this bank ( commenity bank for XXXX or XXXX ) but when I ignore the call they will call repediately in a day with the calls being minutes apart. ( yesterday they called all day and some calls were 9 minutes apart ( XXXX17 )
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-05

Bay Shore, NY

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-05

Bronx, NY

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: From XXXX XXXX to XXXX XXXX, XXXX XXXX XXXX XXXX phoned me four days in a row ( one call each day ) looking to collect the money I owe XXXX. The 4th time I told the caller that what they did is illegal. She responded by saying " I do n't know anything about that ''. I tell them that I am on public assistance.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-05

Sebring, FL

Delinquent account

Credit card:

Complaint: I make monthly payments to PayPal Credit. They claim I am past due and assessed a late charge on my account and raised my payment. In the pay history it is clear that I pay every month as I see all my payments posted. They are not helping me through their customer service channels.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2017-02-04

Baton Rouge, LA

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-04

Baton Rouge, LA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-04

NV

Late fee

Credit card:

Complaint: I got a new credit card with Comenity for purchases at XX/XX/XXXX I purchases {$45.00} in XX/XX/XXXX. My bill was due on XX/XX/XXXX. I sent a check for the full amount on XXXX. Comenity did not post the payment until XX/XX/XXXX and charged me a {$27.00} late fee. I called their customer service people to find out why they charged the fee when the payment was sent in plenty of time to arrive before the due date. They said they do not check the postmark date on payments. If they do not get the payment posted by the due date, they levy the late fee. When I asked how the late fee is calculated, I was never given a straight answer. The fact that the late fee was just shy of XXXX % of the entire statement balance did n't seem to matter. I know I paid the bill on time. I do n't want to pay the late fee. I have cancelled my account with them but I feel I 'm being blackmailed into paying the {$27.00} to keep them from reporting me to the credit agencies. Is there anything I can do? Thanks!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-04

Reno, NV

Late fee

Credit card:

Complaint: Community bank holds my XXXX credit card. They have repeatedly made every effort for me to be late on every payment cycle and have refused to work with me. This is how their scam works. Today is Friday XXXX/XXXX/XXXX. My payment according to them is every XXXX of the month. I tried making a payment for today but the option to make the payment for today is grayed out. The payment system on their end says today is XXXX/XXXX/XXXX which is not correct. So the only option Im given is to make the payment for XXXX/XXXX/XXXX which triggers a late fee. I have had the card since XXXX of XXXX and have incurred XXXX late fees. I do n't have that problem with either XXXX XXXX or XXXX XXXX. In addition, I have made large payments which would put me in a " pay-ahead '' status essentially not making me owe any money for the next month. The latter is not the case. Im forced to make a minimum payment every month. I made a payment of $ XXXX XXXX credit limit. I turned around and tried to meet the remaining but the system does n't let me pay up to the XXXX limit. I feel they are not being veteran friendly at all. I have expressed my discontent to them by mail but their only solution is for me to schedule my payments up to a month in advance ( ludicrous ). Please help me in reaching out to them. I believe they 're making themselves rich by banking on people 's innocence who do n't know any better.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-04

IL

Privacy

Credit card:

Complaint: I recieved calls and messages from my XXXX brothers, their XXXX wives, and my father stating a man is continuously calling them and leaving messages about a delinquent credit card account and they are filing court papers the next day and he needed to speak to me. I called him, and the credit card # he says i have is wrong for one and then he told me i had to pay {$510.00} right then or id be in a lot of trouble the next day. I told him it was not possible and that thats not my credit card number. He started to yell at me and threaten me, saying he knows im XXXX and id better pay it now or he would be sure to get my XXXX. I hung up on him. He called 3- 4 more times and left a threatening voicemail on our phone. His name is XXXX XXXX XXXX, and he told all XXXX of my family members what debit he was going to collect from me or such and such would happen to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-04

Santa Ysabel, CA

Credit reporting company's investigation

Credit reporting:

Investigation took too long
Complaint: Victoria Secret has reported with negative remarks and deliquency and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me. This account was noted as 30 days reported on XX/XX/XXXX. During XX/XX/XXXX -XX/XX/XXXX XXXX. During this time i attempted to make payment arrangements, using the credit card insurance to submit a claim to cover my account. Victoria Secret has passed me onto the credit card insurance company to submit a claim.I also attempted to talk to Supervisor on occasion several occasions. I was not able to resolve this issue and have contacted Victoria Secret and the credit card insurance department as well. Not only did I make payments for insurance in case something happened I was not able to utilized it. Please remove this negative information.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-03

Nashville, TN

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-03

Flamingo Ldge, FL

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-03

OR

Billing disputes

Credit card:

Complaint: Comenity bank will not credit my payments to account.. I want them to credit my payments so I can close account
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-03

Chicago, IL

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-03

Thompsons Station, TN

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: This issue involves a company called www.billmelater.com I was alerted last year that someone had taken out a line of credit in my name with billmelater in 2012 and had run up a bill of about {$400.00}. I was told to fax a FTC Affidavit to XXXX and I did that and I was given the name of a XXXX XXXX at XXXX XXXX to call but I have never been able to get her on the phone. I would like this issue resolved.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-03

Lewisville, TX

Closing/Cancelling account

Credit card:

Complaint: Comenity Bank approved a XXXX XXXX VIsa card for me on XXXX/XXXX/2017. I had made online purchase at XXXX which was approved. I received the card and setup my online account/access. When I tried to use the card it was declined. I thought I did n't activate correctly so I activated it again via the online process. Both the online and voice status of the account indicates that the account is active ( as of XXXX/XXXX/2017 ). Tried to use it again and was declined. I called the bank again and spoke with a bank agent. They told me the account was closed but could n't give me a reason why it was closed. They said a letter was being sent. I finally received the letter from Comenity Bank and it said it was closed due to too many credit inquiries. The credit bureau referenced was different from the XXXX that they pull to approve my initial card application. When I received the card from them, there was no disclosure to what credit score or bureau was used to approve my account and determine the account APR. I have many other accounts with the bank with XXXX late payment history. I have a 3 year good payment history with the bank. In fact I have always paid any account balance in full upon receiving a statement from them. They should not have approved the account to begin with if they were going to turn around and close an approved account.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-03

Lewisville, TX

Closing/Cancelling account

Credit card:

Complaint: Comenity Bank approved a XXXX card for me on XXXX/XXXX/XXXX. I received a credit bureau notification the they account was closed on XXXX/XXXX/XXXX. Both the online and voice status of the account indicated that the account was active. I called the bank again and spoke with a bank agent. They told me the account was closed and tried to help me find out why. They said it was a based on a recent credit pull that show a lot of credit inquiries? They would not say what they meant by a lot of credit inquiries. They said a letter was being sent. I finally received the letter from Comenity Bank and it said it was closed due to too many credit inquiries. The credit bureau referenced was different from the one that they pull to approve the account. When I received the card from them, there was no disclosure to what credit score or bureau was used to approve my account and determine the account APR. I have many other accounts with the bank with XXXX late payment history. I have a 3 year good payment history with the bank. In fact I have always paid any account balance in full upon receiving a statement from them. I had already made numerous payments on this account. They should not have approved the account to begin with if
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-02-03

Orion Twp, MI

Balance transfer

Credit card:

Complaint: I requested a balance transfer with XXXX Credit Card at Comenity Bank which was never completed. They billed me for the {$1000.00} balance transfer amount plus the fee of {$10.00} but it was never received by XXXX XXXX. Because it did n't make it, I was charged {$20.00} in interest at XXXX XXXX. XXXX Credit Card is refusing to help with the matter. They owe me a credit to my account of {$1000.00}.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-02

Nashville, TN

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-02

Covington, GA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-02-02

Dotson, TX

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-02

Gaston, SC

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-02

El Paso, TX

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response