November 2020 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 2020, the CFPB received 3090 complaints against Alliance Data Card Services. Alliance Data Card Services ranked Number 14 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: November 12, 2020

Company Official Name: Alliance Data Card Services

State: LA

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: Difficulty submitting a dispute or getting information about a dispute over the phone

Full Complaint:
Victoria Secrete ( Comenity Bank ) is reporting inaccurate late payment on my credit report that varies from bureau to bureau. This is incorrect as my payment was not late. I made a payment on the phone with a representative in which numbers were transposed and the payment returned back unpaid in XXXX. After noticing it never attempted my account I called to question what was going on. At that point the rep apologized and I resubmitted a payment and monitored my account to make sure it cleared. The very next month, Victoria ‘s Secrete closed my account. When I tried to call and dispute the late payment status with Victorias Secrete, it automatically disconnect the call with a recorded statement that says, ” our records show that your account has a XXXX balance. If you are calling to reopen your request can not be completed. THEN A BUSY SIGNAL. I finally was able to log into my account and open up a chat and was told to mail a letter about the dispute. I have mailed letters on 3 different occasions. On Monday XX/XX/2020, I spoke with a rep from Victorias Secret who again said she was unable to help me and I needed to mail yet another letter. To not be able to work the dispute out with the company and for Victoria Secrete to randomly select months to show a late payment that varies from bureau to bureau is terrible customer service and against the law ( SEE CREDIT REPORT ATTACHED TO VALIDATE THE DIFFERENCES )

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 12, 2020

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: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don’t recognize

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 12, 2020

Company Official Name: Alliance Data Card Services

State: IL

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: November 12, 2020

Company Official Name: Alliance Data Card Services

State: TX

Product: Debt collection
Sub-Product: Credit card debt

Issue: Threatened to contact someone or share information improperly
Sub-Issue: Contacted your employer

Full Complaint:
Voice mail as follow- XXXX XXXX my name is XXXX XXXX I’m contacting you regarding your case that is in the process of being filed to XXXX County by XXXX to make you aware that I ____ your case number XXXX __ ____ __ the county it becomes a matter of public record and there is an order for your location since I was unable to reach you by phone __ XXXX I have been instructed to contact your employer is because your supervisor because it does look like that is going to be your likely place of location XXXX you have the legal right to contact the _________ office that is processing your case however you would have to speak with them before your case about not sure case of discharge from their office all of your legal rights will be forfeit the number provided for their office is XXXX and also XXXX XXXX that you’re going to need to speak with _____ legal department XXXX XXXX you are being legally notified by telephone and _ ____ so otherwise you will be located at your primary residence place of employment or third-party relative

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 12, 2020

Company Official Name: Alliance Data Card Services

State: TX

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:
Good day, My name is XXXX XXXX XXXX and the reason I am writing to you is to complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help.

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 12, 2020

Company Official Name: Alliance Data Card Services

State: FL

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

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: November 12, 2020

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: Information belongs to someone else

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 12, 2020

Company Official Name: Alliance Data Card Services

State: UT

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: Their investigation did not fix an error on your report

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 12, 2020

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:
On XX/XX/XXXX XXXX/Comenity Bank reported a late payment past due 30 days on my credit report. I had no idea that I even had a balance on the card. I thought I had already paid the balance in full. So for two charges in XXXX totaling {.00}, I had to pay late feels totaling {.00}. I have had this problem with XXXX XXXX before ( XX/XX/XXXX ) because they do not offer auto pay as all other credits now offer. I’ve requested auto pay services from them several times to avoid this type of situation and they always say they don’t offer it at this time. Comenity actually had to refund me late fees previously because they mistakenly charged me for balances already paid. Once again, I have a negative delinquency on my credit report from XXXX XXXX for an amount that could have easily been paid in full if XXXX actually made the effort to call me and let me know that there was a balance on my account that was past due. They send statements via email as I opted for paperless statements but since I thought I had no balance I didn’t look at the statements thinking I was free and clear. Comenity has been quick to charge exhorbitant late fees on top of the 24.99 % APR that they charge on purchases without making the effort to call me and bring this issue to my attention prior to reporting to credit agencies which will impact my credit for years to come for a negligible amount of money that could have been paid in full if they made the effort to call me prior to reporting delinquency. I have had this account open for 13 years since XXXX and the balances have always been paid, even if over time but they have been paid in full. Comenity continues to take advantage of consumers by refusing to institute auto pay, not making effort to call consumers prior to reporting to credit agencies. I will no longer be using my J. Crew card as the only reason I used it was for discounts but TWO marks on my credit history on top of late fees and high APR erases any benefit of discounts when using the credit card.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: November 12, 2020

Company Official Name: Alliance Data Card Services

State: CO

Product: Debt collection
Sub-Product: Credit card debt

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

Full Complaint:
This company Comenity bank is unwilling to accept a {.00} payment to close account and keep on tacking on late fees every month and billing me for late fees even though this account has been closed since XXXX. I just talked to a representative today who was unwilling to make any adjustment to the ludicrous charges that are unmerited because they refuse to come to an agreement. W spent over 45min on the phone. He took the time to listen to the last two conversations I had and still wouldnt budge. EVEN THOUGH IT WAS IN HIS POWER TO DO SO. I have never done business with a credit card company in my entire life that has so little disregard for its customer and their financial distress. Especially after that customer has paid the promotional balance in full.

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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