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Complaint Details
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Initial Complaint
09/03/2021
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
On August 23 Comenity Bank reported me as deceased to all three major Credit Bureaus, they did this on their own with no proof of my death. In turn this has erased all of my Credit Scores. It will now take at least 1 month to repair my Credit Report. Account Number ending in 8913
Business response
09/03/2021
We appreciate you taking the time to let us know you have concerns. We will begin researching immediately and will contact you when our investigation is complete.Initial Complaint
09/03/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have an account but the bank can't give me a valid account number. I have no access to the help section on the site because it requires an account number to create a login so it's a dead end. I have to call to make payments and they don't always complete the transaction. This has made my credit rating tank. All these months later and I still have no account number.Business response
09/03/2021
We appreciate you taking the time to let us know you have concerns. We will begin researching immediately and will contact you when our investigation is complete.Initial Complaint
09/02/2021
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I opened a Zales credit card account, and made a couple of purchases back in August of 2020. Zales had informed me upon opening the credit card, the balance had to be paid off within a year. With that being said I have been making more than the monthly minimum payments over the course of 2020-2021. When August 2021 arrived, I still had a balance of $750 leftover to pay. On August 21, 2021, Zales charged me an interest rate charge of $740.92 which I think is ABSOLUTELY INSANE!! To be charged interest charges of that amount is fraud to me. I'm a very good customer, I make more than the minimum when I make payments, and I believe that something should be done for a company to be able to charge their consumers these charges. I am very responsible with my credit, but think to be charged that amount given my credit history is ridiculous. I paid the charge that they assessed because I do not want this to have a negative impact on my credit, however I'd like to report this situation.Business response
09/02/2021
We appreciate you taking the time to let us know you have concerns. We will begin researching immediately and will contact you when our investigation is complete.Customer response
09/08/2021
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I accept the business's response to investigate this complaint, and get back to me with the next steps.
Regards,
*********************Initial Complaint
09/02/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
Comenity-Wayfair closed my account in 2020, I'm assuming due to the pandemic. I paid the balance on my card entirely, as I understood creditors were closing accounts due to worldly issues and I was ok with not having that credit card. A few months ago I started getting charged finance fees, for what I'm not sure since I had a zero balance and the card is closed, like on my credit report it says account canceled by credit grantor, September 11, 2020. I reached out to them via email and told them my account was closed and I do not owe them anything, they did not respond. Now they have added late fees to my 'account' and are saying I owe them $45.12. I don't see how I owe anything from an account that has been closed for a year now. I just want them to stop charging me for a closed account and to remove these charges and derogatory mark on my credit report.Business response
09/02/2021
We appreciate you taking the time to let us know you have concerns. We will begin researching immediately and will contact you when our investigation is complete.Initial Complaint
09/02/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
Victorias secret Comenity Bank has been adding charges to my account every month I call customer service and make full payment with a representative then per representative its been satisfied account paid in full. Then following month again charges appear and according to them its late fees. I then call again and let representative know again she states to me that she doesn't know why. I ask for supervisor and supervisor also takes my payment again. Its been 3 months starting May 2021 to August. I have been charged numerous late fees . I have not used credit card and they keep doubling fees unexpectedly.Business response
09/02/2021
We appreciate you taking the time to let us know you have concerns. We will begin researching immediately and will contact you when our investigation is complete.Initial Complaint
08/31/2021
- Complaint Type:
- Billing Issues
- Status:
- Resolved
BBB transcribed typed letter of details:
It all started when I attempted to put my purchases on my credit card ending with **** at the local Bealls in *************, **. I was informed my card had expired and I needed to apply for a new one, which I did and proceeded to charge *****, on 4/20/21. When I received my billing in May I proceeded to pay it in full on May 28, 2021. When I received a **** in June, with fee changes of ***** I knew I had paid the **** so I ignored it. Then in July I received a **** again, charging me an additional ***** for non payment. I sent a letter with proof I had paid it in May. I was not aware that the original payment had been returned to my checking account. I informed you that the old number was on the payment but that it should have been paid to my new account of ****. Then I received a letter from you informing that you had indeed returned my check to my account. I immediately sent you a check for ***** for account ****. It was paid in full but I was still charged another ***** fees.
I do not feel I should have to pay these fees, totaling ******. I paid the amount due you on time. You had my name, address and phone and soc. Sec.#. No one thought to take the time to look into why I would send you *****, nor did anyone take the time to notify me by phone, email or letter, only after I contacted you regarding the unfair charges on my account. I spoke to at least 5 individuals on the chain of command today, no one had the authority or the power to correct these charges. I do not believe anyone really listened to my explanation. If somebody had only picked up the phone or somehow tried to correspond with me this whole matter could have been corrected in no time. I made the effort a few times, only to be charged another fee, no attempt to rectify the problem. It seems Bealls makes no mistake, has no customer service, apparently is omnipotent. NOw my credit rating has been lowered, and I have a ******************* on my credit. I believe Bealls should rectify this error, notify the credit union, and credit my account the full ******. I am sending this letter to the Better Business Bureau since you have not erased the fees that were unfairly charged to my account.
*************************
*********************************************************
August 27, 2021
Cc: *******************
*******************
***********************
*** Love
BBBBusiness response
09/01/2021
We appreciate you taking the time to let us know you have concerns. We will begin researching immediately and will contact you when our investigation is complete.Customer response
09/03/2021
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Better Business Bureau:
I accept the business's response to resolve this complaint.
Regards,
*************************Initial Complaint
08/31/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
4/7/21 paid my credit card balance in full 5/7/21 called Comenity Bank and requested account to be closed (1st request) 5/12/21 charged minimum $2.00 fee 6/11/21 charged minimum $2.00 fee 6/12/21 paid called Comenity Bank and requested account to be closed (2nd request) 7/721 charged late fee of $6.11, paid late fee 7/7/21 called Comenity Bank and requested account to be closed (3rd request) 7/12 charged $2.18 fees 8/12/21 charged minimum $2.00 fees 8/19/21 called Comenity Bank and requested account to be closed (4th request) 8/31/21 charged $2 fees During each call, I've been provided a reference number and reassured that the account is closed and I would not continue to receive any other charges. I continue to be charged each month and need this account to be closed.Business response
09/01/2021
We appreciate you taking the time to let us know you have concerns. We will begin researching immediately and will contact you when our investigation is complete.Initial Complaint
08/31/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
May 26, 2021 paid my account balance online in full $131.40 2 months later received a text message regarding balance on account Contacted customer service in June 2021 I was told then that I was given a late fee for the $131.40 because payment was received 5 days late, late fee was not applied to my account for another several days I was not aware of this because I paid the balance that was given online of $131.40 So during that call I closed my account not solving my issues I then called back July 2021 spoke to a gentlemen regarding my account, he told me if I paid one of the late fees and they would take care of the late fee for the late fee. I agreed, I made the payment online while on the phone and confirmed with him that he sees it on my account. He agreed payment received. At this point I finally thought it was all taken care of. **** it is August 30, 2021 and I receive a phone call, text, and call saying I owe another $60+ all late fees.Business response
08/31/2021
We appreciate you taking the time to let us know you have concerns. We will begin researching immediately and will contact you when our investigation is complete.Initial Complaint
08/31/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
The company told me i owe money back in Feb whie the company ***** so long befor they send me a ****. I got the **** the month of August **** (?)
I begin ture i do not owe this money if if owe this money i will paid it. It hard Hard to pay i do not owe What i do not understand. While the company ***** so long befor they send a ****. That what i am concern.Business response
08/31/2021
We appreciate you taking the time to let us know you have concerns. We will begin researching immediately and will contact you when our investigation is complete.Initial Complaint
08/30/2021
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have an Overstock credit card with Comenity Bank. I paid my balance in full by the statement due date. There was a $2.00 minimum interest charge on my following monthly statement - for which there was NO BALANCE.If this is a standard practice, I believe that it might be illegal.Business response
08/30/2021
We appreciate you taking the time to let us know you have concerns. We will begin researching immediately and will contact you when our investigation is complete.Customer response
09/08/2021
I went ahead and paid the $2.00 and will close this account. I'll forward copies of statements etc. next weekend when I have time.
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Customer Complaints Summary
5,608 total complaints in the last 3 years.
1,500 complaints closed in the last 12 months.