ComplaintsforComenity Bank

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Initial Complaint
11/11/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Pursuant to direct mail written offer to provide $200 incentive upon $1000 credit card spend under a new Bread cashback credit card I opened a new account spent over $1000 within 90 days but never received the $200 promotion advertised. Calling the number on the back of the card resulted in **** automated response to sell other gimmick products without any customer service. Leaving written message online went unanswered. This feels like a SCAM, please credit the $200 promised asap to avoid report to the authorities including ***, *************** and district attorney's office for consumer rip-off.
Business response
11/12/2024
We are Comenity Bank and Comenity ************. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Customer response
11/13/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 22542717

I am rejecting this response because: There is no resolution. Saying you are investigating is effectually a non-response to the $200 owed herein. The complaint remains outstanding. No accommodation has been provided. The lack of accommodation nor any provision of information baffles me and only points to a SCAM perpetuated by Bread Cashback!

Regards,
Mr. *******
Initial Complaint
11/09/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I love Roomplace I have dealt with them for over 15 years had a promotion that would be up in a September I had alread paid 3200 and only owed 1100 I have been struggling.I called a representative on Aug14 stating can we extend the promotion and I will pay entire balance on Nov 8th and was told I call today and was i formed this could not be done.I request to pull the call no one could.I even ask for a hardship and was notified I do not quality.This is a scam I thinking of legal action because I was told something just to get me off the phone.Can someone please help me just pay this balance and I cqn be done.
Business response
11/12/2024
We are Comenity Bank and Comenity ************. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Customer response
11/14/2024
From: 'Jade *****' via Dispute Resolution - Shared Inbox <**********************************************************************************************>
Date: Wed, Nov 13, 2024 at 10:26 AM
Subject: Room Place Comenity Bank
To: <**********************************************************************************************>

Hello
To start my name is Jade *****. I have purchased 5 times with room place furniture.I have a promotion that was coming off that had to be paid in full by September only owed 900 for a 4100 balance.I called a representative back in August to explain my hardship and I would guarantee payment the beginning of Novemeber to not the rep state yes we can extend promotion if you are paying in full which was a stock to see 2000 of interests added to my acct.I spoke to 5 people and ask for them to pull the call and look at the notes and they said they had nothing.I am not asking for a handout I want what was promised.

Customer response
11/14/2024
I have not yet to receive a call
Initial Complaint
11/08/2024
Complaint Type:
Product Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I purchased a dress for $99.19. It was damaged I realized when I was going to wear it. The sleeve was damaged. ******* customer service sent me a return label. No mention of any postal fees to return it since it was damaged obviously when I bought it. The return they emailed me was only for $83.33. I disputed why they charged me $15.86 shipping fee when the product was damaged.They indicated the dispute could take 90 days to resolve and i would have fees to pay on the unpaid balance on my account. Today i paid the shipping fee and told them to close my account.This is poor customer service. That shipping fee should have never been charged to me and not take 90 days to decide. I want to be reimbursed and my account closed. Their customer service said ******* and ********************** have to decide the dispute and it is a long process!!
Business response
11/08/2024
We are Comenity Bank and Comenity ************. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Customer response
11/08/2024
[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,

**** Ann ******
Initial Complaint
11/08/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am writing to formally dispute the account listed as COMENITYBANK/VICTORIA, with account number **************, opened on June 25, 2018, and the reported balance of $655.00. I have no knowledge of this account and am certain that I did not open it. It is my firm belief that this account was opened without my consent or authorization, and as such, it does not belong to me. I have made multiple attempts to resolve this issue, yet the account remains on my credit report. As per 15 U.S.C. 1611, it is unlawful for any person or entity to willfully or knowingly furnish false information to a consumer’s credit report. The inaccurate listing of this account on my report is damaging to my credit and does not accurately reflect my financial history or current situation. I respectfully request that you conduct a thorough investigation into this matter and remove this account from my credit report. Please provide me with a written response indicating the outcome of your investigation, including any documentation or evidence that supports the legitimacy of this account.
Business response
11/08/2024
We are Comenity Bank and Comenity Capital Bank. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Initial Complaint
11/07/2024
Complaint Type:
Sales and Advertising Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
They recently took over handling Maurice’s credit card. They decided to close many accounts. I have been a Maurice’s card hold for years. I only had a $100 balance and my payments were always automatic and paid on time. Their reason was my credit score which I understand. But a big bank comes in and and swallows the little fish. They could see from my account I was a very good customer but because they don’t care about the little people they just closed my account. I work in the public schools and sometimes this $100 was a huge help when I needed clothes fast. It’s not like I am asking for thousands of dollars. I have reached out to them explaining this to them and asking for them to re-consider. I never had one issue the whole time this card was with Maurice’s but now big bank comes in and they don’t care about the hard working people.
Business response
11/08/2024
We are Comenity Bank and Comenity Capital Bank. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Initial Complaint
11/05/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
My account was paid in full on August 21, 2024. It was reported paid in full to the credit bureau. Then I was sent a zero balance notice and received it the beginning of September and then shortly after was sent a stating I owed 5.95. I ignored the statement because I received a zero balance statement. In October I was alerted by Experian that I had an overdue balance. I disputed the change to my credit report. Commenity then refuted the dispute and closed it. I was also charge a late fee and another 5.95 in October. I called. They stated that I owed 5.95 as a finance fee. How could I have a finance fee when the bill is paid in full, I have a zero balance statement. This is illegal. The bill was also sent through the post office which I believe makes this a federal offense.
Business response
11/05/2024
We are Comenity Bank and Comenity Capital Bank. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Customer response
11/18/2024
Commenity Bank has not reached out nor sent any communication.
Initial Complaint
11/05/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Hello, I requested to close this account and made a paid off amount. I was told by a senior account specialist. That my account was close and I had nothing due. Now I have a total of $121.70. The second senior account specialist told me the account was on hold due to the submission of a dispute and no charges whould come to my acount. Now I have another late fee. Your bank has now lowered my credit by 35 points. Dude to your mistake. *** in ****** city customer service told me to log back in and send a message to the banck regarding the credit damage. I have made a payment so I don't get another ding in my credit. I was told I was going to have my calls pulled to prove that I was right and nothing has been done. The bank keeps oh charging late fees and hurting my credit. ***** ******
Business response
11/05/2024
We are Comenity Bank and Comenity ************. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Customer response
11/06/2024
I have added the letter sent by Comenity bank stating that they would not charge me and put a temp credit till the case was solved. They did not do that and have been charging me a late fee and damaging my credit.
Customer response
11/06/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 22517058

I am rejecting this response because:
I have added the letter sent by Comenity bank stating that they would not charge me and put a temp credit till the case was solved. They did not do that and have been charging me a late fee and damaging my credit.

Regards,

***** ******
Initial Complaint
11/03/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Receiving 8 to ten calls day including weekends. Call are late at night and early morning.
Business response
11/05/2024
We are Comenity Bank and Comenity ************. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Customer response
11/05/2024
Business continues to harass my wife and I even during our hardship of loss of job. Business refuses to work with us and continues calling both our phone eight to ten times a day.
I will send any information that the business send if they send any at all.

Complaint: 22507895

I am rejecting this response because:

Regards,

**** ******
Initial Complaint
11/02/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
On 10/8/24 I noticed a charge on my credit card dated 9/23 for $39.99 from Best Buy for Trendmicro yearly plan. I did not authorize this charge, and in fact, it was a reoccurring charge placed over a year ago by my now ex-husband, which I knew nothing about. The notice of this plan and it's charges did NOT come to me, all correspondence was emailed to my ex husband's email account. Best Buy did nothing to resolve this so I contacted my credit card company, Bread Financial/Comenity and filed a dispute. On 10/25, my Comenity closed the dispute stating the reason was b/c this was A RENEWAL and a REOCCURRING charge. I contacted my ********** at 4:15 pm to advise that this is NOT correct and the charge was NOT made by me. After an hour on the phone w/ CS **** *****, and a CS supervisor, *****, the credit card company refused to open another dispute or remove the charge and stated I needed to contact the merchant (Best Buy). 10/26/24 at 6:04PM -***** from Comenity Bank left me a VM stating to contact ************** and they could assist in resolving my issue.10/27/24 at 8:58 AM I called ************--its the acct protection team #-- Spoke with *** and had to explain my situation AGAIN. She was unable to help me so she transferred me to *****-Supervisor.who was also unable to help and said she cant dispute charge b/c a recent dispute was just closed by them. Suggested I cancel my card and get a new one, which wont be any service to me b/c the $39.99 charge will still be on there and since I am canceling this card in a month I dont need to worry about next years auto renewal in September 2025. She suggested I write a letter to them and mail it and dispute via a letter: Comenity bank P O Box **************************
Business response
11/05/2024
We are Comenity Bank and Comenity ************. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Customer response
11/08/2024
From: ***** Perfect <********************************>
Date: Thu, Nov 7, 2024 at 5:48 PM
Subject: complaint ID ********.
To: disputeresolution <**********************************************************************************************>

Hello,

This dispute was not resolved by Comenity Bank. I received the attached letter in the **** on 11/6. I contacted the number provided on 11/7/24 at 5:10 PM and was advised by ******* that this dispute is still closed and Comenity will do nothing further. Thus, they still have done nothing.
Initial Complaint
11/02/2024
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Subject: ********************************* for Incorrect Balance on Paid-Off LoanI am filing a complaint to *************** (formerly *************). I purchased a unit from Plunge, and Bread was the lender that financed this purchase. Despite the return of the unit and all payments made, I am being charged an incorrect balance that I believe to be in error.Details of the Issue:Purchase and Return Summary: In April, I purchased a cold plunge unit from Plunge for a total price of $13,916.06, which was delivered in May. I returned the unit in October, and over the course of ownership, I made payments totaling $2,077.44. Plunge issued a return credit of $11,837.56, which should leave a balance with *************** of $0.Incorrect Outstanding Balance: Despite the loan being fully paid off, *************** is still claiming I owe a balance of $605.50. Initially, I was told that this balance was due to restocking fees and transportation costs. However, they later revised, stating that the $605.50 represents interest that would have been applied over the life of the loan. Unreasonable Interest Charges on a Paid Loan: During the four months I had the unit, Bread confirmed I paid $519.04 in interest. Since the loan is now repaid in full, I believe it is not legal for to continue charging interest against a closed loan. My understanding is that interest can only accrue while there is an outstanding balance, not once the loan has been settled in full.Desired Resolution: Due to the fact that I returned that product, I am requesting a full refund of what I have paid ($519.04), requesting that *************** further remove the $605.50 that appears to be incorrectly applied and provide a $0 balance letter. This confirmation is critical to ensure my credit is not negatively impacted by this inaccurate charge.Thank you for your assistance in addressing this matter. I look forward to a resolution that reflects the correct payoff of my loan.Sincerely,***** ******
Business response
11/05/2024
We are Comenity Bank and Comenity ************. We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Customer response
11/12/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 22503993

I am rejecting this response because: I have not received any further communication. To my understanding, it is not legal to continue charging interest on a fully paid loan. As the only amount still being billed relates to interest that would have accrued over the loan's original term, I see no reason for additional investigation. Additionally, I made another payment of $346.24 on November 7th to prevent any potential impact on my credit. Therefore, in addition to clearing the balance, I am requesting a credit for this payment, as it was part of the $605 they claim is still due.

Regards,

***** ******

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