May 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.


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Complaint Details:

Date of Complaint: May 18, 2019

Company Official Name: Alliance Data Card Services

State: MN

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

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 18, 2019

Company Official Name: Alliance Data Card Services

State: UT

Product: Debt collection
Sub-Product: Credit card debt

Issue: Threatened to contact someone or share information improperly
Sub-Issue: Talked to a third-party about your debt

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: May 19, 2019

Company Official Name: Alliance Data Card Services

State: IL

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

Issue: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud

Full Complaint:
I review my credit report and noticed an incorrect inquiry for an account that is not mine and that I have no knowledge about. dated XX/XX/2018.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 18, 2019

Company Official Name: Alliance Data Card Services

State: MD

Product: Debt collection
Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid

Full Complaint:
On XX/XX/XXXX, I entered into a purchase agreement with XXXX XXXX ( now known as XXXX XXXX XXXX XXXX XXXX ) in XXXX, Maryland for the purchase of XXXX XXXX in the amount of {00.00}. The purchase was financed through a medical credit card account with Comenity-XXXX. Under their deferred interest plan, no interest was payable as long as the payments were made timely.

Pursuant to the XXXX credit account, I received monthly statements over a period of 23 months. The statements were paid within a few days of receipt. At no time did Comenity indicate that any payment was not made timely.

On or about XX/XX/XXXX, I received a statement for {0.00} for 24th and final payment. On XX/XX/XXXX, I called Customer Service to confirm that payment of this 24th statement was indeed the last payment owed.

On XX/XX/XXXX, I wrote a check made payable to ” Comenity-XXXX ” in payment of the 24th and final payment. I placed that check into a U.S. Postal Service mailbox on either XX/XX/XXXX or XX/XX/XXXX. Please see a copy of the attached notarized Certificate of Mailing.

Nothwithstanding my prompt payment, I received another statement in XXXX from Comenity indicating a new balance of {00.00}, which included an interest charge of {00.00}. When I called Customer Service to inquire, Comenity suspiciously claimed that my payment, which was mailed no later than XX/XX/XXXX, had not been ” posted ” until XX/XX/XXXX. Therefore, they were adding a deferred interest charge of {00.00} plus a {.00} late fee. Although requested by me, Comenity offered no proof that the check was not received until XX/XX/XXXX. In other words, for a {0.00} final payment, which was mailed timely, Comenity had added a {.00} late fee and a {00.00} interest charge!

Complaint Tags: Older American

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 18, 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: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 18, 2019

Company Official Name: Alliance Data Card Services

State: NJ

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

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: May 18, 2019

Company Official Name: Alliance Data Card Services

State: DE

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

Issue: Struggling to pay your bill
Sub-Issue: Problem lowering your monthly payments

Full Complaint:
I’m having trouble making payments on my XXXX XXXX account with Comenity Bank.

They have taken to calling me repeatedly with spoofed and ” restricted ” numbers.

I’ve already told them I’m in trouble and they’ve offered no help.

Complaint Tags: Older American

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: May 18, 2019

Company Official Name: Alliance Data Card Services

State: FL

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

Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: May 19, 2019

Company Official Name: Alliance Data Card Services

State: MA

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

Issue: Advertising and marketing, including promotional offers
Sub-Issue: Confusing or misleading advertising about the credit card

Full Complaint:
I purchased an engagement ring and wedding bands from XXXX XXXX on XX/XX/XXXX. This purchase was made over the phone by and between me and a sales representative at XXXX XXXX at their online store. My plan was to pay for the total purchase of {000.00} with my own funds by using my debit card, however the sales representative asked me if I was interested in applying for a XXXX XXXX credit card with either option at ( i ) zero interest rate for a period of one year or ( ii ) a lower rate at 9.99 % APR for a period of 60 months. I was hesitant to apply for this credit, but the idea of zero percent interest for a year was appealing especially as we had a wedding coming up and related expenses. I did have sufficient funds to pay for the entire purchase, but I opted to apply for the credit card and agreed to pay it within one year at zero percent interest. On XX/XX/XXXX I received the XXXX XXXX- XXXX credit card statement and noticed that there were added interest charges in the amount of {00.00} on my balance of {00.00} and I immediately called XXXX XXXX to speak with a supervisor to question the interest charges. I thought this was a mistake and couldn’t understand how {00.00} was computed on such a low balance. I was told that the charges represented a years worth of accrued interest. I explained that I expect to see interest charges on the balance of {00.00} and didnt even know at what the interest rate these charges would be. I immediately paid the {00.00} balance and ask the Bank to either waive the {00.00} interest since I was only month out of the promotional period or reduced to interest to be a charge on only the balance of {00.00} and not the original charge of {000.00}.

I dispute the {00.00} interest at 29.99 %. I believe that the representation made over the phone the day I purchased the rings was misleading. The Bank ‘s practices of offering a promotion at zero percent and to than charge accrued interest for an entire year while all along the bank has {00.00} of my money seems illegal and an unfair practice. How can I be charged interest on money that I gave to the financial institution and its in its possession for the past year?

All I have are copies of monthly credit card statements and though the last statement states that Minimum payment amount by the Payment Due date shown on this statement, to avoid accrued interest charges. The ” accrued interest charges ” isn’t clear that I would be charged accrued interest on the remaining balance ( {00.00} ) or on the original balance of {000.00} at 29.99 percent.

Thank you.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: May 18, 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

Full Complaint:
I purchased merchandise in XX/XX/XXXX and paid through my bank on time, however, the company claimed my payment was received a day late. I called in XX/XX/XXXX and explained the situation and they waived the late fees as a courtesy, and informed me that my account was zero. Thereafter I started receiving late fees again after my account was zeroed. I don’t understand why I have to keep paying fees if my account was cleared in XX/XX/XXXX. The problem is that I am a full time employee and night time XXXX so I didn’t even see the late fees until XX/XX/XXXX – by now they are compounded and I don’t know what to do. They should be ashamed for exploiting customers like this.

Company response:

Response Type: Closed with 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.

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