Alliance Data Card Services

2017-01-19

Seattle, WA

Billing disputes

Credit card:

Complaint: My credit card bill is typically due on the XX/XX/XXXX of the month. I paid my XXXX credit card bill for XX/XX/XXXX early ( in XX/XX/XXXX, after a XX/XX/XXXX bill was paid ). I was told that payment did not count towards my XX/XX/XXXX bill. I then was charged a late fee in XX/XX/XXXX. XXXX would not work with me at all.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-19

Juniper Hills, CA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: I am being repeatedly called by Comenity Bank over a credit card that I am currently paying off. I am being called multiple times a day and they always call from an unknown number and only identify themselves as Comenity Bank after I answer. As of today I have been called 4 times. Once every 2 hours from an unknown number. When they call I sternly say this is harassment and before I can say anything else they hang up. They have gone so far as to call me after XXXX and on sundays.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-19

CA

Closing/Cancelling account

Credit card:

Complaint: I had applied for and was approved online instantly for a Comenity Capital XXXX XXXX Visa card with a {$10000.00} limit and a {$49.00} annual fee. The card arrived in the mail a week later. I activated it and had barely used it for 5 days before they closed the account due to a " security concern '' which they could not share the details of. They still charged me the {$49.00} annual fee and now refuse to refund it ( even though I had it for 5 days of the 365 days the annual fee was meant for ). They also dishonored the sign-up bonus of XXXX XXXX XXXX points that I was entitled to as per the sign-up agreement and the XXXX XXXX XXXX points I should have received for my spend on the card. I have XXXX FICO with a clean credit report, and have never had a closure from any other bank. Customer service was extremely unhelpful as well. I spoke to 3 different supervisors to refund my {$49.00} fee and they all refused to budge. This is a direct violation of their own policy as my statement terms from Comenity state : " XXXX FEE : This fee will be charged with the close of your first billing cycle and will be assessed annually in the same month thereafter. We will refund this fee if you notify us that you are closing your account within 30 days of the mailing or delivery date of the statement on which the fee appears. The fee is otherwise non-refundable ''
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2017-01-19

Clermont, FL

Balance transfer

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-18

Bethlehem, PA

Other fee

Credit card:

Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2017-01-18

August F. Haw, CA

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-18

Rockford, TN

Credit determination

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-18

San Antonio, TX

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-18

Bristol, CA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-18

Ft Lauderdale, FL

Billing disputes

Credit card:

Complaint: To whom it may concern, I am having an issue with Zales. On XX/XX/XXXX, I bought my wife a ring from their store. The sales representative recommended that I do the in-store financing, so I agreed at the time because of the deferred interest incentive. I received my first bill along with my physical Zales card in the mail exactly on the day the first payment was due in XXXX. When I got home that night, I went ahead and created an online account and paid the payment. After the fact, the payment defaulted to the next day and caused me to incur a {$25.00} late fee ( which I discovered in XXXX XXXX. I then proceeded to exchange the ring for a more expensive ring on XX/XX/XXXX. The sales representative told me that I would not be charged an additional financing fee and my payment schedule would change to reflect the new purchase. When XXXX comes up, I noticed that I did n't receive a bill, so I called the store to speak with the representative and he recommended that I pay the minimum payment, which is always {$25.00}, while I wait for the new bill, he even told me that the bill technically would be due XX/XX/XXXX ; I went ahead and paid {$50.00} on XX/XX/XXXX. I never did receive a bill for XXXX. In XXXX, exactly one month later, I log on and make another payment for {$25.00} on XX/XX/XXXX because I also did n't receive a bill. At the time when I logged on, I saw I was hit with late fees for every month and the payment date never changed ( it remained the original XXXX of each month ). Prior to this month, online statements were not available so I really had no idea of what was going on. I also saw that I was hit with an additional financing fee because of the way the sales rep rung it up. I called the financing department and spent over 45 minutes on the phone and the agent gave me a hard time and finally agreed to waive one of the late fees ( that 's {$25.00} of {$75.00} ) and only through my persistence, she agreed to waive the secondary financing fee. I do n't understand how a company can be so unaccountable, the agent told me it 's my fault not the sales representative for giving incorrect information. She also said it does n't matter that I have n't been receiving my statements it 's still my fault. Ironically enough, after that conversation with the agent and verifying that the correct contact information was on file, I mysteriously received both XXXX & XXXX 's bill approximately a week and half later. I have already spent enough time on this matter trying to reach your company via phone and social media and I feel as though I 've been taken advantage of. I have spent over $ XXXX in the past 3 years in your store ( including recent purchases made during the XXXX season of XXXX ) and I feel greatly disrespected by your company. I writing to you today as a last attempt for your company to take some responsibility, educate their sales staff, and resolve these issues on my credit account. I will exercise any and every avenue to pursue a claim for these egregious late fees tacked on to my account and I will only accept a full and complete refund of the remaining {$50.00} in late fees. Update*** XX/XX/XXXX I just called customer service to verify the 12 month deferred interest promotional plan expiration date and it turns out that even though I returned my purchase made on XXXX and bought something else in XXXX, the representative rang up the net difference rather than doing a full return and repurchase and charged it to my Zales Card. This has now caused me to be on XXXX different promotional plan cycles in terms of when the deferred interest incentive ends. This is also why I have been getting hit with late fees. Additionally, because I am getting hit with late fees, they are n't fully applying my payments because they are offsetting the late fees ; it now looks like I am not even making the minimum payment.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2017-01-18

Cane Creek, AR

Managing the loan or lease

Consumer Loan: Installment loan

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-18

Washington, DC

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-17

East Fishkill, NY

False statements or representation

Debt collection: Credit card

Impersonated an attorney or official
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-17

Royal Palm Beach, FL

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-16

TX

Closing/Cancelling account

Credit card:

Complaint: Late XX/XX/XXXX I applied for an XXXX rewards XXXX with comenity bank. I have a fraud alert on my credit report so they performed the extra verification. I was then approved and mailed my new card. The very day I receive and activate my card, they close my account " due to security reasons '' but no one can tell me what the concerns are. I am very frustrated seeing as how the only way I knew or would have found out is by having my card declined in a store.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-15

NY

Late fee

Credit card:

Complaint: I made a late payment to my credit card which is through Comenity Bank. I have never missed a payment, even if it is late, and I regularly pay off monthly at least the minimum payment but on the rare occasion the payment is not on time they will call multiple times a day every day at all hours of the day. They also call my mother 's home landline multiple times a day. I have already asked them to stop calling but they only switched to calling from unknown numbers so I can no longer block them.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-15

OH

Rewards

Credit card:

Complaint: I signed up for a XXXX credit card due to the fact I had purchased a boat and at our XXXX they were advertising {$.00} per gallon rebate for the first 3 months if you spent more than {$1000.00} per month which I did. They have not given me my full compliments of rebates since they say they do n't recognize the marina as XXXX even though on my monthly statement on all but one transaction it 's listed as XXXX XXXX. I had contacted Commenity bank the first time on XXXX XXXX and it is still not resolved.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-14

Oakridge, OR

Problems when you are unable to pay

Consumer Loan: Installment loan

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-14

Rockaway Beach, NY

Other transaction issues

Money transfers: Domestic (US) money transfer

Complaint: In XX/XX/2015 {$22000.00} was wired from my personal bank account at XXXX to cover illegal charges. The identity theft continues till today. I have lock my personal information and credit thru the agencies. I have contacted all appropriate law enforcement but to no avail.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-14

Gloucester City, NJ

Delinquent account

Credit card:

Complaint: I am trying to refinance my student loans, I was 90 days late in paying Comenity Bank on a XXXX account {$23.00}. They account now has a XXXX and Comenity has increased my credit balance. However, they put a negative rating on my credit history. I requested, in light of the fact there is a XXXX, and they increased my credit limit, to remove the negative rating from my credit. Comenity refuses to do so and this negative notation could stay on my credit indefinitely. Comenity requires a letter by regular mail disputing the negative rating. Comenity refused to provide me with an explanation of their process and what they review to remove the negative rating.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-14

MI

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: Two unscrupulous representative harassed my husband and informed him about my delinquent debt and all detailed information about my account in order to obtain a payment. I have never provided his telephone number nor authorized anybody to share information with him. The creditor is Comenity Bank, phone # XXXX the two debt collectors names : XXXX at ext # XXXX and XXXX at ext # XXXX.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-13

Sylvania, OH

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-13

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 late as of XX/XX/2016 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 explanation

Disputed: No Timely Response

2017-01-13

Palm Springs, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
Complaint: Someone unknown to me used this credit card for a period of about 1 month. The issuer had notified me that they were discontinuing the service and I. When I received a statement reflecting charges I contacted the bank by phone, told them I had discarded the card and that the charges were not mine. Since then I have not received a response from the bank but continue to receive statements and numerous threatening phone calls. I 'm a XXXX senior ( XXXX ) on a fixed income and the continuing harassment is taking it 's toll on my well being and state of mind.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-13

Randolph, MN

Unsolicited issuance of credit card

Credit card:

Complaint: On XX/XX/2016 I shopped at XXXX. While in the check-out line the cashier asked if I would like to join the XXXX Rewards Program. I said yes but not if it was a credit card as I did not want a credit card. The cashier stated vehemently this was a rewards only program. At the end of the transaction the cashier smiled and said you qualify for a credit card. I then asked to speak to the store manager and once again said I did not want a credit card and that the cashier had lied to me. He stated the transaction would be backed out and assured me I would not be getting a credit card. I was shopping with a friend who will testify to this entire transaction. The lies of the cashier and the Manager on Duty lying as well. So you can imagine my shock this week when a credit card arrived in the mail. A credit card I did not request and in fact said I did not want. This is an illegally opened credit card and I intend to move to have your store held accountable for this. You have messed with my credit and committed a criminal act.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response