Alliance Data Card Services

2017-01-05

ME

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: They call me at all hours of the day and now use a unknown number
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-05

Fresno, CA

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: INQUIRY WAS NOT REMOVED.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-04

Krakow, WI

Late fee

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-04

Manhattan, NY

APR or interest rate

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-04

Indianapolis, IN

Other

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-04

Manhattan, NY

Rewards

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-04

Philatelic Center, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Received a letter from Comenity Bank advising me they did not have enough information to complete my credit card application for XXXX XXXX ( Retail store ). They also quoted my credit score in the letter. I have never heard of Comenity Bank nor have I ever shopped in a store by the name of XXXX XXXX. When I called them to let them know this is a fraudulent application they said unless I provided my DOB and SSN # they could not assist me. I want the inquiry removed from my credit. My real concern is about the bank and their practices. Who are they, where are they?? The letter has a reference number on it, why do they need my personal and confidential information to take a fraud report? They must know who I am they mailed the letter to the correct address ....
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-03

Boston, MA

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2017-01-03

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

2017-01-03

East Troy, WI

Customer service / Customer relations

Credit card:

Complaint: On XXXX XXXX, XXXX received a call and voicemail from XXXX regarding an urgent matter that has escalated to her desk. XXXX requested a call from either myself or my attorney. At no time, did XXXX state the reason for the call. Upon returning the call on XXXX/XXXX/XXXX, another representative informed that the call was regarding a credit card. Although, she was not certain why XXXX was calling as the account is current and there is no balance due. The issues I have with the customer service practices are the following : 1. the person never identified the company she was calling about 2. the person left a very misleading and vague voicemail 3. the person never left the intent of the voicemail ... is it a lawsuit, debt collection, or something unrelated to financials. Just a urgent matter I also spoke with a member of leadership, XXXX, during that conversion I was informed that her company changes scripts frequently to accommodate the frequent law changes. XXXX proceeded to inform me that it is not needed for her company to identify themselves when attempting to collect a debt. Upon question this statement, XXXX then stated it is suggested that a representative state who they are calling on behalf of but not required by law
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-03

Clarksville, MO

Closing/Cancelling account

Credit card:

Complaint: Comenity Capital Bank approved me online for a XXXX visa account. I was sent cards and activated them. I went to use the card not even a week later and was declined at the merchant. I called customer service who advised me that my account had been closed and I would get a notice in the mail explaining why. I have never experienced the revocation of an approval before ... especially after i was just approved. I contacted the Consumer Relations department who informed me of the same and that the bank could close my card at any time. They indicated recent inquiries ( I am working on rebuilding my credit ) as the reason why and that my account was too high of a risk and no further consideration would be made. I expressed concern with the fact that the application should have never been apparoved if that was the case. Now i would have not only an inquiry on my credit, but a short opened account that was then closed by the grantor. I can reasonably explain my situation and have had accounts in good standing with the creditor in the past. My card should be reopened as it was originally approved or all indication of an account removed from my credit report. This " delayed '' risk assessment is a very poor customer experience and the impact to my credit is unacceptable. I would like to continue my relationship with the bank and intend to honor our agreement if they will honor theirs.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-03

Galena, OH

Billing disputes

Credit card:

Complaint: I applied for a Zales credit card, financed through XXXX, which gave me 0 % interest for 18 months, then 28.99 % there after. I set up automatic payments to pay off the balance before the end of the promotional offer. Comenity Bank then bought out my line of credit with XXXX without my knowledge, and the automatic payments stopped, making that payment late. Since I was inadvertently pushed past the promotional period, Comenity Bank is trying to charge an even higher interest rate not to the current balance of {$790.00}, but they 're trying to charge the interest rate to the balance that was over 20 months ago, which was almost {$5000.00}. The interest rate that they 're trying to charge is almost double that of the actual balance, {$1300.00}. I contacted Comenity Bank and offered to pay off they entire balance if they corrected the interest rate and charge it to the correct balance ; they declined.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-01-03

Swiftwater, PA

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-01-03

Allenwood, NJ

Billing disputes

Credit card:

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : 90 days past due as of XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 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 monetary relief

Disputed: No Timely Response

2017-01-03

Plymouth, FL

Transaction issue

Credit card:

Complaint: Pay Pal Credit switched an XXXX transaction without notifying me at the time of the transaction to Pay Pal Debit. I did not have the amount needed in my bank account to cover the purchase. Now my Pay Pal account is in a negative balance when I had believed my purchase on XXXX would be processed as Pay Pal Credit. I purchased several items at the same time believing they all were part of the Pay Pal Credit 's same as cash 6 month promotion but days later I learned that XXXX item was not included. When I called to ask them to change the transaction to a credit purchase they declined to take that action, saying that I was notified of the transaction being a debit purchase at the time of the purchase. I asked for the purchase screen or written documentation of this notification to me and any advanced notice of this business practice by Pay Pal but I was told to visit the legal section of Pal Pal 's website. I was not notified properly during the transaction regardless of any terms and conditions in the legal section of Pay Pal 's website .Apparently they told me that if a seller on XXXX does not accept Pay Pal Credit payments then I would have been notified. But since Pay Pal could not produce any written documentation that I understood this, this business practice is not fair and is deceptive in my opinion. I would not have made the purchase of the item if I had know it was not covered by Pay Pal credit.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-01-01

Ladies Island, SC

Communication tactics

Debt collection: Credit card

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

Disputed: No Timely Response

2016-12-31

GA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: Comenity Bank has called me 5 times today regarding collecting payment on a credit card that I have already communicated with them about - it 's maybe a month behind, and I let them know via messaging on their website that I was going through financial hardship. Comenity does n't care about this ( why would they? ). I added my number to the Do Not Call Registry - they still called. Besides the incessant calling, they called from an Unknown number, and the customer service rep, " XXXX, '' refused to immediately identify himself. He then got extremely sarcastic and condescending with me when I told him that Comenity was harassing me by contacting me multiple times per day when I added my number to the Do Not Call List, and told him to have Comenity stop calling, otherwise I 'd be reporting him, to which he replied, " OH YOU GO AHEAD AND DO THAT. '' Comenity has also called my father multiple times to try and reach me, which is a violation of the FDCPA. I have contacted an attorney.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-30

Bethlehem, GA

Customer service / Customer relations

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-30

Shulerville, SC

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I did not authorize Comenity Bank to make two attempted withdrawls of 1. XXXX and 2. XXXX from my ersonal bank account without mt consent. They have attempted to take these funds from my personal bank account several times which cause my bank to charge me numerous insufficient fund fees for the last couple of months.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-29

Central Islip, NY

Credit determination

Credit card:

Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-29

East Barre, VT

Closing/Cancelling account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-29

Ft Wayne, IN

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-29

Harsens Is, MI

Credit card protection / Debt protection

Credit card:

Complaint: HI my name is XXXX XXXX. On XXXX XXXX, 2016 i received an email from XXXX XXXX stating that a new credit card account was added to my account, in which i have n't had any new ones opened in over a year. So i took the time to look at what it was talking about, and i found a Account for Victoria Secrets, I have NEVER had any account for them ever. I looked further into it and found that Comenity Bank added my Boyfriend XXXX ( Card/Account Holder ) Victoria Secret Account to my credit report, in which, i am not on the account in anyway besides that i am allowed to speak with them regarding the bill only. not allowed to do anything else with the card. They Added me as a Authorized user WITHOUT my permission and without my boyfriends permission. They got My SSN & my Address somehow WITHOUT my permission and used it ILLEGALLY to add and Account that is NOT mine in anyway to my credit report and i 've sent them a letter to remove it and said they ca n't because i am authorized on the account to SPEAK with them. ( I am only allowed to speak with them, I am NOT JOINT on the account in anyway either. Before i got my lawyer involved he told me i need to report this to FTC and the directed me to contact you guys. This needs to be taking care of, it has taken a very big toll on my credit score and i am very unhappy that i have to deal with something like this. Let alone what Comenity Bank has done to me is Illegal. Please contact me back ASAP.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-29

Murray, UT

Forbearance / Workout plans

Credit card:

Complaint: I had fallen behind on payments on my XXXX card ( Comenity Bank ). In XX/XX/XXXX they offered me a 1 year hardship plan. Monthly payments would be {$40.00}. After 3 months and 3 months of successful payments, they said my account would reported as current and all previous late fees would credited to my account. I agreed to the plan, and made successful {$40.00} payments in XXXX, XXXX and already made XX/XX/XXXX 's payment. Today ( XX/XX/XXXX ) I was contacted by them saying they made a clerical mistake when they enrolled me, and that I was never enrolled and that my account was 4 months passed due despite the payments I made. They acknowledged the clerical error, but told me they could n't fix it, all they could do is re-enroll me and that I 'd have to make a second XXXX payment. This is n't right at all, no desire to fix the issue.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-29

Oxford, GA

Closing/Cancelling account

Credit card:

Complaint: To Whom It May Concern : While shopping at XXXX, during my check-out I was advised I had been pre-approved would I like to accept the offer, I subsequently did. The same scenario occurred with XXXX, XXXX 's XXXX, and XXXX. I never authorized or gave permission to have my credit file accessed with a " hard '' pull, I never provided my entire social security number. After receiving a denial letter for the XXXX account which indicated " first party fraud '', I called in on XX/XX/2016 and spoke with a XXXX who was completely oblivious and said he 'd never heard of anything like that before o_O, thus I requested his supervisor, she then gets on the phone and calls me " XXXX '' - confused as that is not my name and I had just previously spoken to someone I was n't sure why she would randomly call me that! XXXX told me I would need to wait 30 days for the XXXX account, due to the number of inquiries, however my other accounts that were recently opened were just fine. Fast-forward to XX/XX/XXXX I attempted to activate my Sportsman 's Guide I had just received in the mail, it was not activated, I was told it was reviewed and closed due to number of recent inquires on XX/XX/XXXX, I was told by XXXX, my XXXX and XXXX were not affected. I called into the executive office to see about reinstating my accounts, I have a XXXX of 754, it defeats the purpose of pre-approving someone only to close an account a week later. This does damage to XXXX, Inquiries, etc. and is an egregious archaic form of banking lacking in sufficient logic. I find this behavior to be very misleading, unfair, and deceptive not to mention when you call for clarification you receive ambiguous responses. Every time I have made contact with them whether initiated or received, they ALWAYS address me by a DIFFERENT name! Today I was XXXX! ... .As someone with XXXX and XXXX, this type of " verification '' is stupid, here you have me giving you my account number but you call me by a different name what type of XXXX is that. You do n't XXXX from XXXX I was told the department does n't take calls but an e-mail will be sent over to see about reinstating my accounts. This information should not be reported on my credit bureau reports, or marked " closed by credit grantor '', I want all activity ( any inquiries and accounts ) from Comenity bank DELETED and ERASED from all my credit reports for obvious reasons. I want to return all merchandise I bought from each company and refrain from doing future business with them or this horrible 'bank '. There is a serious flaw in their business module and it needs to be adjusted, it is giving them a bad name with potential business and affecting the business accounts they serve bottom line, people do n't want to do business with a company who has such irregular behavior. It is not fair to have my credit reports affected for years to come because of their incompetent banking policies. Deceptively opening the account 's with bait-n-switch only to have adverse actions affect these reports into the future that we have been working so hard to solidify is absolutely INFURIATING!! Chutzpah! They clearly lack ethics in terms of honoring fair lending practices. Approving an account for a week only to create a negative impact on the CRBs for years to come is Unfair Trade Practices against consumers ; an initial denial would have been one thing but to create a long term blemish is despicable! Just downright nasty and unbecoming ; corporate mentality : short term bottom line. When management has no coherent vision to improve services & the bottom line, they 'll try any scheme without regard to effectiveness or casualties. Responsible lenders will treat responsible customers responsibly. All CC companies can suspend your spending privileges without shutting down your account, or reporting your credi
Company Response: Closed with explanation

Disputed: Yes Timely Response