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 25, 2019

Company Official Name: Alliance Data Card Services

State: NY

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

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

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 26, 2019

Company Official Name: Alliance Data Card Services

State: RI

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

Issue: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results

Full Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 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, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response:

Response Type: Closed with monetary relief


Complaint Details:

Date of Complaint: November 25, 2019

Company Official Name: Alliance Data Card Services

State: CO

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

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

Full Complaint:
XXXX XXXX XXXX by Comenity bank XX/XX/XXXX first I scheduled two payments to pay off the card before the finance charge was added to the account. One payment for XXXX $ from one account ( XXXX ) and another XXXX payment from my checking account.

The bank stated that they never received my payment of XXXX $ and that because of this the finance charge of XXXX $ would be assessed. I opened a dispute with them but never received confirmation that the dispute was taking place nor what action resulted from the dispute.

On XX/XX/XXXX the bank confirmed that there is a business rule on the back end of their software system saying that only one payment can be pending a day ( a Sr. account manager named XXXX ).

This rule is not clear- the email notifications you receive are that one payment is completed and then a payment has been updated but it is not specific about which payment is updated. I have spent 15 hours on the phone with the bank and they refuse to admit that this is a system issue and that the finance charge should not be applied. They have stated that they have mailed me letters ( XX/XX/XXXX and XX/XX/XXXX ) but I have never received these letters despite having confirmed my address with them and requested them to mail the letters certified mail multiple times. I also stated that since the payment was being made from a new account this constitutes a new payment and the bank ignored this.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 25, 2019

Company Official Name: Alliance Data Card Services

State: FL

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

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

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 26, 2019

Company Official Name: Alliance Data Card Services

State: IL

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

Issue: Getting a credit card
Sub-Issue: Application denied

Full Complaint:
Application ID XXXX This application was taken and they failed to accept any proper forms of ID. In order to ID me they used incorrect data. I answered all my questions correctly and they stated they were incorrect. At that point I offered numerous forms of ID which they would not accept and would not return my calls with a manager. They ended up showing the soft hit on my credit for it regardless but then stated it was not me. I believe they are not properly identifying their customers as they are required to. This was my first time dealing with Comenity Capital Bank but all other institutions properly validate ID.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 26, 2019

Company Official Name: Alliance Data Card Services

State: FL

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

Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn’t resolving a dispute about a purchase on your statement

Full Complaint:
I’ve been calling for days to dispute a charge on my Comenity Bank ( XXXX XXXX ) credit card. The last time we used this card was in 2017. I have not been able to speak with a rep about disputing the charge, I’m on a never ending hold. I’ve spent over 4 hours, and all agents are busy message. I tried going online to resolve and the XXXX link for Comenity Bank ( listed on my bill ) doesn’t work. When I go to Comenity Bank and try to navigate to XXXX XXXX I receive a 404 error.

This happened last year, someone intercepted a coupon in the mail from XXXX XXXX. What’s unbelievable is, my XXXX XXXX credit card # is on the actual coupon. What kind of security is this? Assuming someone at the store would ask for an ID. After finally reaching someone at Comenity, they agreed this is a known issue and ” has happened more than a few times before ”. Also, please review the attached file, only the last 4 digits of my account # are listed on the top of my bill. If you go to the bottom, my full account # is visible should someone intercept my mail. The card does not have an expiration date, CID, or chip to protect consumers. My card was cancelled after another hour on the phone, so Im not worried about sharing my card # with you.

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: November 26, 2019

Company Official Name: Alliance Data Card Services

State: MS

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

Issue: Trouble using your card
Sub-Issue: Credit card company won’t increase or decrease your credit limit

Full Complaint:
I contacted comenity bank to request a credit limit increase on XX/XX/XXXX. I did this submission online in my online account. So I did not get a response, so I called them on this same day and I spoke with a supoosedly supervisor. I explained everything and she said all I can tell you is that they will try to contact you concerning this so be sure to answer the phone. Well I have been thrrough this one time already back in XXXX XXXX with comenity and this Victoria secret card. They did the exact same thing and said the exact same thing and I waited and waited and no one ever called. So on yesterday I received a letter in the mail that says they tried to call me and could not reach me. THIS IS A LIE. No one has tried to call me and I have called all 3 of the credit bureaus to make sure my number is on my credit report because I knew prior to dealing with comenity they would say oh your number is not on the report. So I knew the number was on the reports. When I called morning and had to remain on hold for 35 minutes only to be told I would have to go through verification because this happens alot at comeity. The supervisor was rude and she confused me on one of the verification questions. She told me I would have to call XXXX to have the fraud alert off my file in order to proceed. She acted like I was a problem and she did not want to deal with it which is very unprofessional because I am a loyal customer. Never late, pay over the amount needed and spend generous amounts of money with these companies. So I did call XXXX, got the fraud alert lifted and sent in a email that XXXX told me to send in stating the alert was lifted along with a confirmation number. So I call back and spoke with XXXX, explained this situation over once again and asked for a supervisot, she comes back to the phone after I am on hold for another 25 minutes to tell me that the supervisor XXXX would not speak to me and he said send in a utility bill to verify who I am.Which I have done but cant seem to get a answer from amyone now. Thats unprofessional as well when he is the supervisor, that is not how you treat loyal customers, if it was not for me having a card they wouldnt have a job, so dont treat people wrong and that is why I am upset.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 26, 2019

Company Official Name: Alliance Data Card Services

State: WA

Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card

Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn’t resolving a dispute about a purchase on your statement

Complaint Tags: Older American

Company response:

Response Type: Closed with monetary relief


Complaint Details:

Date of Complaint: November 26, 2019

Company Official Name: Alliance Data Card Services

State: FL

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

Issue: Getting a credit card
Sub-Issue: Application denied

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 26, 2019

Company Official Name: Alliance Data Card Services

State: WY

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

Issue: Other features, terms, or problems
Sub-Issue: Other problem

Company response:

Response Type: Closed with non-monetary relief


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