Alliance Data Card Services

2017-01-13

Colts Neck, 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 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 non-monetary relief

Disputed: No Timely Response

2017-01-13

Detroit, MI

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-12

Clair Mel, FL

Communication tactics

Debt collection: Credit card

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

Disputed: No Timely Response

2017-01-12

Brooklyn, NY

Unsolicited issuance of credit card

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-12

CA

Closing/Cancelling account

Credit card:

Complaint: Comenity Capital Bank approved my request for a XXXX XXXX XXXX credit card with a {$8000.00} limit and a {$49.00} annual fee and a sign-up bonus offer for XXXX XXXX XXXX points on XX/XX/XXXX. I received the credit card two weeks later and activated it but the credit card did not work even though it showed an available credit limit of {$8000.00} online. I contacted Comenity and was told that my card had been cancelled due to a security issue and they could not elaborate any further. They do not have any brick and mortar locations in XXXX ( and only have those in XXXX ) so I could not go in brand to resolve this issue. In summary, I did not receive my bonus points, received a hard inquiry hit on my credit reports and received an approved credit card that did not work with no resolution from Comenity. My credit score was negatively impacted because of the hard inquiry by Comenity. They approved my card but later cancelled it two weeks later for no explainable reason.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-12

Beldenville, WI

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-12

VA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: Commenity Bank called on a number that was not identifiable, shown on my phone as " no caller ID '' when I picked up the first and second time they hung up after I said hello. Then they repeatedly called me from the number that was not identifiable. When I did pick up later that evening and ask the representative about the calls she was rude and dismissive and said they were allowed to call me multiple times a day. I had just paid this company XXXX days ago, and told the rep when I made that payment that I would call be after the payment cleared to set up more arrangements. The payment cleared my bank this morning!
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-11

Manhattan, NY

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-11

Cleveland, OH

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-11

Elkton, MD

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-11

MA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: I opened a Victoria 's Secret account on XX/XX/2013 and made XXXX purchase. The first bill was deliberately sent late so that I was required to pay a late fee. I wrote Victoria 's Secret a letter pointing out that the invoice was sent After the due date paid them the amount of the merchandise and cancelled the card. The company has continued to rack up finance charges and has hired XXXX to harass me relentlessly by calling. I made a mistake of writing a check to XXXX ( XXXX ) thinking that it was an investment account which made the situation worse and amped up the harassment. The charges are all conquered finance penalties that were wrongly charged from the beginning. Thank you for any assistance in this matter. XXXX
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-10

Billings, MT

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-10

Lenzburg, IL

Communication tactics

Debt collection: Credit card

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

Disputed: No Timely Response

2017-01-10

Arco, CA

Balance transfer

Credit card:

Complaint: I received an offer for a Balance transfer at no interest for 19 months with a 1 % upfront fee from Comenity Bank with which I had an existing account. I took them up on the offer and had {$1000.00} transferred two times to another card. For the third transfer ( to the same card as the prior XXXX transfers ) I arranged for a {$7000.00} balance transfer, Comenity accepted the transfer request, however they then refused to complete the transaction by only vaguely stating that there was a " processing error ''. I spoke with at least XXXX people at this bank including XXXX supervisors and asked that they clear up the " processing error '' and abide the agreement. They refuse to live up to a valid offer and acceptance.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-10

Gr, MI

Improper contact or sharing of info

Debt collection: Credit card

Contacted me after I asked not to
Complaint: Calls all hours of the day from XXXX to XXXX from an unknown phone phone number asking for my bank account info. I asked her to call back on a line that I could connect to an actual company. She told me to call back with m bank info when i tried to explain I could not call back she called claiming to be whoever from a blocked line she told me the calls would increase and they have. Why would I give me card or bank info to someone I dont know. I am one payment behind and already caught it up they say they are calling 10 times a day to remind me. Told her last night I just made my payment I have had 8 calls already again today
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-10

NY

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I received a bill from Paypal Credit in XX/XX/2016 for {$110.00}. As I have not used Paypal for anything in over a year I called the phone number on the bill and asked what this bill was for. I was told I was calling their debt collection department and that the bill was for a purchase made at XXXX. I explained that this must be a mistake on their part because I do not go to XXXX and have not used my Paypal account for a really long time. They were unable to provide a phone number or a signature associated with this charge but offered to check to see if it was fraudulent charge. I received a letter a few days after that, saying the did not detect any fraud in this case. Again this month I received a bill from Paypal this time for additional charges of {$35.00} late fee and {$2.00} interest charge. I have looked up my account through the Paypal website because I was considering reporting the incident elsewhere, to see if I could find any information about the transaction myself. The website stated no transactions have been made to my account in over a year! I was unable to print a copy of this with the name of the website visible or I would have sent this in. Since Paypal continues to bill me for a charge a did not make, I would like some intervention by the CFPB in this matter. I am also sending copies of the bills and the letter I received from paypal.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-09

Crabbs Prairie, TX

Communication tactics

Debt collection: Credit card

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

Disputed: No Timely Response

2017-01-09

Miami, FL

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

2017-01-09

Elberon, NJ

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-09

Anaheim, CA

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-08

GA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: I have gotten as many as XXXX calls from these people in one day. They call several times a day every few hours, sometimes as soon as 30 minutes later. I do n't answer numbers that are blocked because I do n't know who it is. My husband answered one time when I was away from my phone and they said it was Comenity bank. This is getting to the point of harassment. I work night shift so they are waking me up all day long. Also, I was under the impression that they are not allowed to block their number. Is there anything I can do?
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-07

Cheshire, OR

Incorrect information on credit report

Credit reporting:

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

Disputed: No Timely Response

2017-01-07

Columbia, SC

Other fee

Credit card:

Complaint: XX/XX/2016, I made a payment of my Comenity XXXX credit card to pay off a balance. A payment was not due on the account ; however, I wanted to pay the card off. After a day had passed and the payment had not posted to my account, I contacted XXXX and discovered that the payment was to be deducted ffrom an account that is no longer active. I called and attempted to have the payment cancelled when I noticed the discrepancy to no avail. As there was no payment due on the account at the time and as I attempted to rectify the situation as soon as I was made aware, I requested that I not be assessed a fee. That account was removed frommy payment list. My XXXX account was at a " XXXX '' balance due to the erroneous payment so I was not able to put in a payment to correct the oversight. The account is always paid on time, has never had a returned payment and Comenity has the ability to waive the fee, but refuses. Even if I can not receive a credit, I think it important that this be recorded against them.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-07

Dayton, OH

Unsolicited issuance of credit card

Credit card:

Complaint: My wife took my XXXX daughter to XXXX to get her ears pierced. My wife paid with her ( wife 's ) discover card. The only information provided to XXXX was my daughter 's name, our address and my wife 's name on the permission form to get my daughter 's ears pierced. Two weeks after that we received a letter from Comenity Bank stating they turned my daughter down for a credit card. They state in the letter they are the bank for XXXX credit cards. Neither my wife nor my daughter filled out any credit card application. We are concerned about what personal information for my daughter they might have. We are also concerned that they ( either XXXX or Comenity ) are doing something fraudulent with credit card applications. The letter does state they were not able to determine any credit score for my daughter. I hope this is because all they had were a name and address and were not able to get anything like her SSN.
Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2017-01-06

San Buenaventura, CA

Credit line increase/decrease

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response