Alliance Data Card Services

2016-12-29

Minneapolis, MN

Billing disputes

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-28

Boston, MA

Late fee

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-28

Fayetteville, NC

Late fee

Credit card:

Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-28

Baltimore, MD

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-28

Heath, TX

Billing disputes

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-27

Rochdale, NY

Late fee

Credit card:

Complaint: I need for this bank to remove XXXX late payments that they have posted on my credit report. I am still in bussiness with them and I do n't remember ever paying late. Also, this is creating a harship in my credit and I love purchasing goods with all the cards associated with this bank. I believe is XXXX XXXX, XXXX XXXX, and New York and Company. I am still a good costumer and I should believe I should be given the forgivieness of thos late payments and to please be remove from my credit report.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-27

Galena, OH

Other

Credit card:

Complaint: I was supposed to receive a credit card which I never received but was told I had made no payments and I made the payment that minute but it was put on my credit report and I want it off
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-21

Brentwood, TN

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Complaint: Within 2 hours, I received XXXX phone calls in efforts to collect a late payment.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-20

Cleveland, TN

Payoff process

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-19

Ashville, OH

Other

Credit card:

Complaint: On XXXX XXXX, 2016 I ordered -item number XXXX smart phone from XXXX. Paid {$680.00}. I received it on XXXX XXXX, 2016 at XXXX. Delivered by XXXX On XXXX XXXX, 2016 ( Sunday ) I was charging my phone as usual ; I tried to turn the phone on and it would not activate. The phone felt hot to the touch, so I unplugged it. I then on XXXX called Home Shopping Network ( HSN ) to see what could be done ; The first customer representative told me they would replace it or work something out since I had not had the phone long. She said to call XXXX to see if their warranty would cover me getting my phone fixed or replaced and if they would not take care of The problem come back to Home Shopping Network. XXXX XXXX, 2016 called HSN and Customer Service rep said she would check- come back to the Phone and said they could not help me as I was past their warranty date I asked to speak to the Supervisor, XXXX and she said the same thing past my time with HSN . I went to the XXXX XXXX XXXX store to see if they could fix it and they could not Went to XXXX rep at the XXXX XXXX store and he could do nothing. As of XXXX XXXX, 2016, I still have no phone and I am out of {$680.00}. I called XXXX and was pretty much given the run around ; Sent the phone to them and Still nothing. Their Phone number is XXXX XXXX Texas . I have purchase a lot of product from HSN ( and for them not to try to help a long time customer is terrible, if can not get some kind of refund, or credit my HSN credit card.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-19

Lena, OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: XX/XX/2015 I filed a XXXX complaint against XXXX XXXX ( now twice ). First time they kept taking unauthorized payments out ( triple charging my account ) and kept getting notices that I did n't pay them. It was finally resolved that they would {$0.00} my debt due to the inconvenience they were causing. I get a collections notice XX/XX/XXXX from a different agency saying I owe {$140.00} on one of the accounts I should n't have to owe and the original creditor ( XX/XX/XXXX ) was demanding {$390.00} for the other account I did n't have to owe on. After the resolution on the XXXX complaint I NEVER heard back from this agency. I filed another complaint XX/XX/XXXX and the XXXX agent I was working with never heard from them and were not responding to communication. Today I get a voicemail from one of their agents saying he needed my address to send a refund check. I call him and he 's going around in circles, not listening to me, unwilling to understand what I was telling him. Playing recordings that I could n't even understand because they were so garbled over the phone. He used a tactic that 's appalling to just harass me. At this point XXXX XXXX has caused so many problems with my service connected anxiety and have wasted my time over and over again. They have shown their lack of professionalism and their willingness to use deceitful tactics.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2016-12-18

Macon, VA

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2016-12-18

Jacksonville, FL

Incorrect information on credit report

Credit reporting:

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

Disputed: No Timely Response

2016-12-18

Jacksonville, FL

Incorrect information on credit report

Credit reporting:

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

Disputed: No Timely Response

2016-12-17

Marlboro, MD

Billing disputes

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-17

CA

Late fee

Credit card:

Complaint: Comenity Bank is the worst company I have ever dealt with. One of the worst cards to apply for. My card was issued through HSN, after buying an LCD TV through HSN for {$1400.00} and I now been paying this company over {$2200.00} with late fees and VERY HIGH Interests, they are still reporting me negatively ( every Month ) to Credit bureaus. Hate Comenity Bank they do n't care if you are up to date with your account. DO NOT APPLY FOR THIS CARD!!! They are one the most unorganized, unprofessional company I have ever worked with, VERY RUDE customer services. Buyer beware, this company will not ever lower your interest rate no matter how good your rating is with them. I been charged for late fees OVER N OVER, again - If anyone is STRATING A class action suit - I will join please let me know.
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-16

Colts Neck, NJ

Credit card protection / Debt protection

Credit card:

Complaint: XX/XX/2016, I used my XXXX card to purchase a dress for {$29.00}. At that time my card had a XXXX balance and my available credit was {$300.00}. About a week later, I returned the merchandise to the store. Knowing that I was back to XXXX balance again I saved my card and I did not use it. XX/XX/2016 I get a bill for late fees that have accumulated since then. I have called the credit card company 6 times and I am not satisfied with their answer. They want me to pay a balance of {$200.00} dollars just late fees. I have been unable to use the card since XX/XX/2016 and I requested them to close the account. The amount was " closed '' but the late fees continue to accumulate. I have made one payment to solve this debt last week and finally they offered to open a dispute today and they tell me that it is going to take 60 days for them to respond to the dispute. Meanwhile, the late fees are going to continue to accumulate. I have asked to speak with a supervisor and a supervisor is apparently never available. The credit card also claims that the balance is due to the assure fees of XXXX cents a month which are creating a fake balance and therefore causing late fees to accumulate. My credit is being affected and I have to pay XXXX dollars that I did not use or benefit from
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-15

Cheverly, MD

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-13

Boston, MA

Other fee

Credit card:

Complaint: I opened a credit card with XXXX XXXX in XXXX, MA to buy a couch. There was an initial 6 mos period of no interest which we made periodic over payments of the balance due. I never received an invoice or any notification in XXXX for and apparently my 6 mos period had expired. I was notified by XXXX that my account was past due which I immediately paid off in full ( approx {$5200.00} ) on XXXX/XXXX/16. I 've now been told that since I did n't pay off the balance before the 6 mos period, that I know owe approximately {$780.00} in finance charges for for the next 12 months even though my account has been paid off in full. I strongly believe that it is categorically unfair to charge interest for 12 months in the future when no money is being borrowed. I also believe that XXXX XXXX is using deceptive and unfair business tactics to sell their products to consumers even when their consumers have been trying to do the right thing throughout the process. It is a quintessential " gotchya '' strategy to milk further fee 's out of their customers.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-09

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 XXXX2014 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

2016-12-07

Corcoran, MN

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-06

Fort Mill, SC

APR or interest rate

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2016-12-05

Scranton, PA

Delinquent account

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-12-05

Arco, CA

Billing disputes

Credit card:

Complaint: On XXXX/XXXX/16 I applied for and was approved for an HSN credit card whereupon I ordered a vacuum & scented disc accessories. I opted to use the flex payment plan which would spread the payment out. Upon receiving the vacuum it was not the correct color I ordered. I contacted HSN and was told it was their mistake but they did n't have it in that color any longer and not sure when it would be but I could check back. I decided to return it, along with the scented disks after calling back to see if the color was available. On XXXX/XXXX/16 I used the XXXX shipping label provided by HSN for their claimed VIP Easy Return policy. I took the package to to a XXXX store and processed at XXXX. The package reached their XXXX XXXX distribution center on XXXX/XXXX/16 at XXXX and signed for by XXXX XXXX XXXX I received a bill for XXXX w/ payment due date of XXXX/XXXX/16 that did not show a return but I assumed it would take at least XXXX billing cycle to reflect it. However, when I received the XXXX bill ( payment due XXXX/XXXX/16 ) not showing the return and also a late fee charge I called Comenity Bank and was referred back to HSN to resolve it. I spoke to customer service representative XXXX on XXXX/XXXX/16. She said that the returned merchandise sometimes takes up to 6 weeks to get processed. She then suggested I make the payment and get a refund later. I said no, I was not going make a payment for something that was no longer in my possession but was in HSN 's. She agreed to give me a credit for the amount due plus late fee and said it should be resolved. I got another bill in XXXX with more charges and late fees. On XXXX/XXXX/16 I called Comenity Bank and spoke to XXXX. He said he could n't do anything about it and I would have to call HSN. I called HSN that same day and spoke with XXXX. She reversed the charges and assured me she had taken care of the issue and I should n't get billed again but it XXXX take 5 days for the bank to process XXXX checked online on or about XXXX/XXXX/16 to see if the issue was resolved as XXXX had promised. It was not so I filed a complaint with the FTC. I contacted HSN via email on XXXX to inform them of such. I exchanged several emails with XXXX & XXXX both of whom were Senior Account Supervisors. XXXX assured me that the merchandise had been returned and all charges and fees were returned. I assumed once again that it was no longer something I need to worry about or have to call again on. However, did continue to check online to see if there were any charges and of course there were. On XXXX/XXXX/16 I filed another complaint with the FTC this XXXX against Comenity Bank because the charges had not been removed. Sometime in XXXX I began to get numerous calls from a number I did not recognize. I finally called the number after so many calls and no messages. It was, to my surprise the collections department of Comenity. My account was now in collections for failure to make a payment! On XXXX/XXXX/16 I spoke with XXXX ( employee ID number XXXX ). She assured me that she would fix this issue. I told her I had no faith in that since this had been going on for so long. She was adamant that it would stop with her and she would be the XXXX to fix it at long last. Thus, I believed her and did not concern myself with any other billing statements. Around XXXX/XXXX/16 I received notification from a credit monitoring service that XXXX/HSN had reported XXXX late payments to XXXX. I filed a dispute in attempt to resolve it. On XXXX/XXXX/16 I received notification from Credit Karma that it was resolved. When I checked my credit report there was no change. I then called XXXX. I was informed by XXXX that XXXX had failed to respond to the dispute thus it would remain on my report but I could file another. This would require me to mail or fax a long list of documents to XXXX. I felt this was unfair to me.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2016-12-01

Bel Alton, MD

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response