November 2019 Complaints Against Alliance Data Card Services

Compiled from Public Data by FairShake

If you have an issue with Alliance Data Card Services, you’re not alone.

The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.

In 2019, the CFPB received 2666 complaints against Alliance Data Card Services. Alliance Data Card Services ranked Number 12 among all financial companies for the most complaints.


Do you have a complaint against Alliance Data Card Services?

Pursue Legal Help

FairShake helps thousands of people take legal action & get compensated…

Learn more about how to sue Alliance Data Card Services

Complaint Details:

Date of Complaint: November 14, 2019

Company Official Name: Alliance Data Card Services

State: SC

Product: Debt collection
Sub-Product: I do not know

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft

Full Complaint:
I am a victim of identity theft and this debt does not belong to me.

Please see the identity theft report and legal affidavit attached.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 14, 2019

Company Official Name: Alliance Data Card Services

State: NY

Product: Debt collection
Sub-Product: Credit card debt

Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to sue you for very old debt

Full Complaint:
On Tuesday, XX/XX/2019 I received a voicemail stating that there was an attempt to by a county processor to deliver court documentation and it was a failed attempted so in order to avoid legal obligations I need to contact them. That legal action will be taken. I did call them and I was told that we could settle if I were to pay {0.00}, which is {0.00} more than the original debt that is owed to Victoria Secret due to penalty fees.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 14, 2019

Company Official Name: Alliance Data Card Services

State: IL

Product: Credit card or prepaid card
Sub-Product: Store credit card

Issue: Fees or interest
Sub-Issue: Charged too much interest

Complaint Tags: Older American

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: November 14, 2019

Company Official Name: Alliance Data Card Services

State: NY

Product: Payday loan, title loan, or personal loan
Sub-Product: Installment loan

Issue: Charged fees or interest you didn’t expect

Full Complaint:
I am XXXX years old. Last XXXX, 2018, I purchased a XXXX XXXX and at the suggestion of my XXXX I financed the purchase through XXXX. I made every payment of {0.00} on time for 11 months. The last payment of {0.00}, according to XXXX, was received seven days late. I recall that I received the invoice late that month and therefore my payment was mailed later than usual during that month. In addition, the specified due date was earlier than usual, which seems designed to deceive or fool people who have been paying according to the same schedule for the prior 11 months. Nevertheless, I did pay in full and the payment was not more than a week late. All payments were made to a XXXX XXXX in XXXX XXXX Texas that appears to belong to Comenity Bank.

I received a subsequent statement indicating a late fee of {0.00} for the few days delay, a penalty somewhat more than twice the size of the monthly payment and more than 15 % of the overall amount I paid during the 12 months. To the best of my recollection I never received any disclosure that there would be late charges and even if I did, I believe this is egregious and I am being taken advantage of due to my age.

I attempted to resolve this with XXXX with no success and therefore am filing this complaint and seeking your assistance to resolve directly with the financial institution that is preying on elders. I am attaching a copy of the last statement I received showing the charge. There is fine print on the back regarding late fees, but it is not prominently disclosed, nor is the interest percentage mentioned.

Thank you.

Complaint Tags: Older American

Company response:

Response Type: Closed with monetary relief


Complaint Details:

Date of Complaint: November 14, 2019

Company Official Name: Alliance Data Card Services

State: PA

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Full Complaint:
Someone using my name getting a lot of credit cards like 7 credit cards with Comenity bank and a student keep coming up. This is really messing my name up and credit. I would like to get this solve. Its not fair someone stole my identity and now I must suffer I want this taken care of soon as possible and I would like a restore and all my credit be right. I shouldnt be held responsible for something I didnt do

Complaint Tags: Servicemember

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: November 14, 2019

Company Official Name: Alliance Data Card Services

State: OK

Product: Credit card or prepaid card
Sub-Product: Store credit card

Issue: Fees or interest
Sub-Issue: Problem with fees

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 14, 2019

Company Official Name: Alliance Data Card Services

State: CA

Product: Credit card or prepaid card
Sub-Product: Store credit card

Issue: Problem when making payments
Sub-Issue: Problem during payment process

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 15, 2019

Company Official Name: Alliance Data Card Services

State: OH

Product: Credit card or prepaid card
Sub-Product: Store credit card

Issue: Fees or interest
Sub-Issue: Problem with fees

Complaint Tags: Older American

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 14, 2019

Company Official Name: Alliance Data Card Services

State: NJ

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Account information incorrect

Full Complaint:
XX/XX/XXXX I received a email from XXXX stating that my Victoria ‘s secret card had dropped my score down 33 points on the credit report they’re reporting that it was not paid in 3 months which I’m on a hardship program that allows me to pay {.00} a month for the payment I have been paying the payment for the last 3 months I did not make XXXX XXXX payment but I was going to make it on Sunday and they are reporting that I’m 3 months behind when I am not I’ve repeatedly called Victoria ‘s secret to tell them that my account is being reported in the accurate they said I need to take it up with the credit bureau I’ve disputed it with the credit bureau and the credit bureaus telling me that I have to take it up with Victoria ‘s secret and right now they’re causing my credit score to go up and down for the last four months they have been going back and forth into my credit reporting and taking my score down 33 points one time 25 points one time 50 points almost one time before this and it is an abuse the account is closed I’ve been asking them to remove the account the credit for the account was {0.00} that turned into almost {0.00} worth late fees and finances fees.this card has been closed for over three years and I’ve been paying to try to get the card back down to the lowest credit utilization so that way I can maintain a balance of {0.00} which was the original credit amount this credit card company has been nothing but a pain because they do not do anything to help the consumer I’ve been calling them for the last month or so just in reference to them going into my checking account to take out {.00} when it was already paid I would like to dispute this one again and file a complaint as formal complaint this time because I’m going to consult a lawyer after this because I can’t get any result from Victoria ‘s secret neither the consumer finance government.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 14, 2019

Company Official Name: Alliance Data Card Services

State: SC

Product: Debt collection
Sub-Product: I do not know

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft

Full Complaint:
I am a victim of identity theft and this debt does not belong to me.

Please see the identity theft report and legal affidavit attached.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation


FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.

X