Alliance Data Card Services

2017-01-23

Key Biscayne, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: COMENITY BANK/VCTRSS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you COMENITY BANK/VCTRSS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : COMENITY BANK/VCTRSS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-23

Buechel, KY

Fraud or scam

Prepaid card: Mobile wallet

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-23

Keyport, WA

Closing/Cancelling account

Credit card:

Complaint: I opened a XXXX XXXX account throughCommenity Capital Bank. They were supposed to allow for financing of a specific product, but after opening the account, failed to live up to their advertisement. So, I called and closed the account. They confirmed that the account was closed. About a year later they emailed me asking for updated personal details about my ( open ) credit account with them. I called and asked AGAIN that they close it. They once again confirmed that it was closed. Received another email about my account on XX/XX/2017. This account SHOULD be " Closed at consumer 's request, '' but they continue to keep it open against my wishes.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2017-01-23

Key Biscayne, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: COMENITY BANKXXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you COMENITY BANKXXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : COMENITY BANKXXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-23

Oak Grove, MO

Billing disputes

Credit card:

Complaint: XXXX XXXX, XXXX I opened a XXXX credit card. On that same day I paid the balance off with cash. Roughly 2-3 months later I started receiving calls from Comenity Bank collections. Returning their call I discovered that I had an outstanding bill regarding the XXXX purchase plus interest and that they had the wrong billing address on file. I told them I had the receipt ( attached ) that showed that I had paid the balance off with cash that day. They told me to submit a copy of the receipt to their billing dispute department. I received a letter XXXX/XXXX/XXXX ( attached ) roughly stating they were investigating the dispute. I then received a billing statement that showed all charges were credited ( attached : billing due date XXXX/XXXX/XXXX ). On XXXX/XXXX/XXXX another letter ( attached ) from Comenity Bank was issued to me stating that, ' '' LOFT has indicated that they were unable to collect the cash for your payment and the payment was void ''. I then received another billing statement ( attached : Due date XXXX/XXXX/XXXX ) showing the charges were placed back on the account. I called Comenity to dispute the charges again. They told me to re-submit my receipt which I did on XXXX/XXXX/XXXX. On XXXX XXXX I received another call from Comenity XXXX. I returned the call that day. I asked to speak to a supervisor and was transferred over. The supervisor stated that they were confused as to why the XXXX was not cooperating with this resolution since I clearly had the receipt proving that I had paid against the account in full, and that she was 'going to take care of this even if she had to take it off herself '. They stated that I had sent everything to them correctly. They asked that I call the XXXX ( Ann Taylor ) corporation to see what they told me regarding this dispute. On XXXX/XXXX/XXXX I called XXXX corporate office and finally received the name of a person that may be able to help. She was not in the office. I received another billing statement today XXXX/XXXX/XXXX ( attached ).
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-23

Occoquan, VA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I called the company and they didnt want to hear that the debt was not mine. Stated repeatedly that it was owed because " it was under my name '' I have not used XXXX in YEARS and the information and debt letters were sent to my mother 's address. An address I have not lived at for over 10 years. I requested to get this removed and disputed this with them as well. I keep receiving letters with them sent to my mother 's home in regards to this and I 'm NOT happy!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-22

Sarasota, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-21

Dunnellon, FL

Communication tactics

Debt collection: Credit card

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

Disputed: No Timely Response

2017-01-21

Wichita, KS

Customer service / Customer relations

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-21

Aurora, CO

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-21

San Francisco, CA

Customer service / Customer relations

Credit card:

Complaint: On Friday, XX/XX/2017 I requested a copy of my Cardholder Agreement from Comenity Bank, which issued my XXXX XXXX Visa Card. On Sunday, XX/XX/2017 I received a response which read in total : " Thank you for your recent inquiry to our Customer Care Department. Comenity Capital Bank issues your account and responds to all credit related inquiries. This card is issued by Comenity Capital Bank pursuant to a license from XXXX XXXX XXXX. I will be more than happy to issue out a credit card agreement to you. Please allow up to ten business days to receive it. We appreciate your business and your loyalty. We hope this information is helpful. For the security of your account information, we ask if there are any follow up questions you have related to this concern, please click on the reply button. Sincerely, XXXX XXXX Internet Customer Care Team '' I have not yet received the agreement, and it is not posted on the card 's website as I thought was required, nor is the agreement in your database. Please help me obtain this important information! Thank you
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-21

Aurora, CO

Other

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-21

Batavia, IL

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-21

Chicago, IL

Other

Credit card:

Complaint: I have a paypal account line of credit. I used it to purchase a dresser from their online store. Well the item was supposedly delivered to a Sears store in XXXX XXXX IL but I never received it. During all of this I received the run around for hours. All I want is my XXXX put back on my paypal account without waiting forever. I was informed 10 days the 30 days.. I just want my money. I will never order anything from them online again. I believe the item was stolen and they want to cover it up.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-21

Harrisburg, PA

Delinquent account

Credit card:

Complaint: I received a collection call because on my credit card through comenity bank because my I had missed a payment. I advise the representative who contacted me that I would go online and make the payment myself. I then asked him if they offered automatic payments, to which he advised they do not. He then proceeded to attempt to verify my payment information that I have saved on my online account. He read to me the last XXXX numbers of the checking account and provided the bank name associated with the checking account that I have on file. I asked him why that was important and he advised that he was working to schedule the payment for me. I then advised that I specifically told him that I would make the payment online and that I wanted to speak to a supervisor. The floor Supervisor that I spoke with was extremely rude, continued to speak over me, advised that the representative would have verified the payment information and if I did not agree with the terms then it would not have been submitted. The floor supervisor attempted to justify his actions by stating that they are required to take a payment over the phone when they make a verbal contact. Also, she advised that at the end of the payment script, if I did not agree with the terms, then the payment would not be submitted. Based on my knowledge of the banking industry, I believe this to be a potential UDAAP violation. I then asked to speak with another supervisor. I spoke with a specialist and advised her of all of this. She advised that she would submit the complaint and provide the information to her management. I did advise that I would be filing a complaint with the CFPB regarding these deceptive practices. I am extremely concerned that this bank is submitting payments from verbal contacts illegally and request an investigation of their payment practices.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

Fred, VA

Incorrect information on credit report

Credit reporting:

Information is not mine
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-20

Oliver, WI

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

Liverpool, TX

Late fee

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2017-01-20

Rockwell, NC

Incorrect information on credit report

Credit reporting:

Account terms
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

Gloucester City, NJ

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: Call repeatedly daily, sometimes every 20-40 minutes in between and even blocking the number at times. When my wife answers they ask for my attorney or legal representative. Make threatening statements of lawsuits, etc.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-20

MI

Closing/Cancelling account

Credit card:

Complaint: This is not the first time Comenity Capital opened up a credit card for me and then immediately or shortly after closed it out. XXXX XXXX XXXX I applied for a XXXX XXXX card as we are traveling this XXXX and I wanted to get rewards for my spending with XXXX XXXX. Immediately approved for XXXX. Card was mailed out and activated. I did not use it yet. On XXXX XXXX not even using the card yet, I get notice from XXXX that the card has been closed by credit grantor. Go back a few months, XXXX XXXX, XXXX. Opened a Redicard for XXXX with Comenity ... seeing I was going to be staying at a XXXX in the near future ... about a month later, get notice that it was - CLOSED by credit grantor due to inquiries. Funny thing is, the inquiry was the one that was for the XXXX with Comenity Bank. Same thing happened with my Comenity XXXX Visa. Approved in XXXX and then they closed the account. The only reason why I applied for the card was for the promotion that was going on. I joined the XXXX with XXXX and bought a bed, so I would get a discount. Shortly after, they closed my account and kept the fee I had to pay to join the club, as well as keeping any additional discounts I was going to receive for opening the credit card account and using the card on the purchase of the bed. With all this being said- XXXX accounts with Comenity, in the past year, closed by credit grantor ... is a bit ridiculous. Why extend credit to me, if after a few weeks, or a month, decide to cancel. I have no late payments, or accounts in default, so I am not sure why they are doing this. I took the hit to the credit bureaus for the inquiry and immediately or shortly after they close the accounts for 'excessive ' inquiries.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-20

Springfield, MO

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: Comenity Bank calls 8-10 times per day, everyday, even on weekends. They never leave a message or even a call back number. They call from XXXX different phone numbers and I have asked them to stop harassing me with the excessive calls, yet they continue.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-20

Sarasota, FL

Late fee

Credit card:

Complaint: Opened a credit card with Comenity Bank. Charged {$14.00} then returned an item totaling {$8.00}. Never received a credit for the return. Have been charged over {$50.00} in late fees since XXXX 2016. Called the bank several times said they will not stop the late charges while this amount is in dispute. Closed the charge account. How can I get them to credit these late charges or stop charging me late fees? Thank you for your help.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-19

San Francisco, CA

Transaction issue

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-19

Tucson, AZ

Unsolicited issuance of credit card

Credit card:

Complaint: I received a billing statement from PayPal Credit claiming that I owed them money for a recent transaction. I checked my credit report and PayPal did a hard pull on my credit information. I have no knowledge of ever signing up or opening a credit account with them.
Company Response: Closed with explanation

Disputed: No Timely Response