Alliance Data Card Services

2017-01-06

Washington, DC

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-06

Polson, MT

Communication tactics

Debt collection: Credit card

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

Disputed: No Timely Response

2017-01-06

Ambler, PA

Communication tactics

Debt collection: Credit card

Called outside of 8am-9pm
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-06

Laurel, NY

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-06

Westerville, OH

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-06

Jasper, AL

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-06

Cleveland, OH

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-06

Gallatin, TN

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-06

Cincinnati, OH

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-06

Bloomington, MN

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: Credit history request- never authorized, company not recognized
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-06

Worcester, MA

Payoff process

Credit card:

Company Response: Closed with non-monetary relief

Disputed: Yes Timely Response

2017-01-06

Buck, PA

Other

Credit card:

Complaint: I recently applied for a refinance loan through my local credit union and was denied because XXXX-XXXX card reported last year that they closed an account of mine in XXXX due to bankruptcy. I had a bankruptcy fully discharged in XXXX. Now this report looks like I have a bankruptcy in XXXX thus impacting by credit and ability to borrow money. I also contact XXXX directly because this only reported like this late last year and never showed like this beforehand.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-06

Lincoln, NE

Communication tactics

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

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

Disputed: No Timely Response

2017-01-06

Kenwood, CA

Communication tactics

Debt collection: Credit card

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

Disputed: No Timely Response

2017-01-06

Potomac, MD

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-06

Annandale, VA

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-06

Ocklawaha, FL

Billing statement

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-06

Las Vegas, NV

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-06

Anchorage, KY

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-06

Buford, GA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-05

Jupiter, FL

Customer service / Customer relations

Credit card:

Complaint: My wife and I have A XXXX credit card ... .my wife ordered a shirt from the store @ XXXX XXXX XXXX store.The shirt arrived was great when she got the bill she called the store @ XXXX and paid the bill over the phone in full ... .the next month she got a bill that stated that the XXXX payment was returned because she paid with a debit card ... ..How was she to know that the charge payment was returned. When she called she was told that they do not accept debit cards over the phone???? Will accept in store so we got a XXXX dollar charge for returned payment and XXXX charge for late payment ... ... .if we were not in our XXXX 's they would not be taking such advantage of us We paid our bill in good faith ..was pleanty of funds ... we were never told that the payment was not accepted till it was too late. Not fair!
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-05

Roseville, MI

Late fee

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-05

WA

Billing disputes

Credit card:

Complaint: I am being over charge by Comenity Capital Bank for services I did not receive. The bank has not responded to my requests.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-05

Warrenton, VA

Balance transfer

Credit card:

Complaint: I am a XXXX XXXX member and I received a very good offer from their credit card company, called Comenity Capital Bank ( XXXX ), on balance transfers. The offer was XXXX % XXXX till XX/XX/XXXX with XXXX % of transfer fee. I took the offer in the end of XX/XX/XXXX and on XX/XX/XXXX the balance transfer was completed and new balance appeared on my credit card account, as expected. Now, XXXX month later, I got a bill on the new balance, and the original credit card company, which is XXXX ( XXXX ), also billed me on the same balance. It turned out the balance transfer, physically, never happened, it happened only on paper, and XXXX told me that nobody paid off my balance. In such case, who gave the right to XXXX to charge me with the new balance and transfer fee, if their check was never cleared or received by XXXX? Actually I do not believe XXXX sent such check at all, and they never gave me any proof of such transaction per my request. I have all copies of the messages between myself and XXXX, which will give you more details about the issue and my failed attempts to resolve it. I 'd suggest you to request those copies from me, because they are helpful for better understanding of this problem. I can also enclose last statements from both XXXX and XXXX where you can see account transactions. XXXX did wrong charging me if the related funds were never moved from their account. Additionally they committed another fraudulent activity charging me with the interest though I paid off my previous balance with them. I can prove everything I have stated here.
Company Response: Closed with monetary relief

Disputed: Yes Timely Response

2017-01-05

Hutchinson, KS

Disclosure verification of debt

Debt collection: Credit card

Not disclosed as an attempt to collect
Complaint: I called in to make payment on my accounts, I asked about interest on one of the accounts and the male rep got hostile with me, I asked for his supervisor and the male supervisor got on the line and had the same hostile tone. At no point did either representative read me the mini Miranda. Also, when I asked to speak with another manager, the current manager hung up on me. I have all of this on recording. I called back a second time and tried to explain what just happened and got treated the exact same way and he hung up on me. During the call he refused to provide me with his name and the names of the XXXX previous representatives.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response