December 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: December 23, 2020

Company Official Name: Alliance Data Card Services

State: MA

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: December 22, 2020

Company Official Name: Alliance Data Card Services

State: MA

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 explanation


Complaint Details:

Date of Complaint: December 23, 2020

Company Official Name: Alliance Data Card Services

State: MA

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: December 22, 2020

Company Official Name: Alliance Data Card Services

State: MA

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: December 22, 2020

Company Official Name: Alliance Data Card Services

State: GA

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

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

Full Complaint:
XXXX, XXXX XX/XX/XXXXdeliberately accessed my credit report WITHOUT my consent. This is illegal.
Then she asked me to sign a document for a loan, where she misquoted the terms, after I had over four ( 4 ) hours of major dental work and was heavily sedated and fatigued.

Also, over four ( 4 ) hours earlier, before I was in extreme pain and fatigue, she verbally agreed that I could pay with my credit card, half of the fee, that day ; and the remaining balance when service was completed.

I am XXXX years old, XXXX, XXXX XXXX took advantage of me by deliberately : – illegally accessing my credit report without my consent ; – unilaterally changing our prior payment agreement ; – informing me about her above-listed actions when I was in distress.
– having me sign an agreement, and falsifying the terms, while I was in distress.
– this voidable agreement was at 27 % interest rate, while my credit card was 22.25 % interest.
She put me at a financial disadvantage of XXXX basis points.

Comenity Bank did an investigation, and after 90-days they just gave me the agreement that I signed under duress.

Complaint Tags: Older American

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 23, 2020

Company Official Name: Alliance Data Card Services

State: GA

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: Investigation took more than 30 days

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 22, 2020

Company Official Name: Alliance Data Card Services

State: WI

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

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 22, 2020

Company Official Name: Alliance Data Card Services

State: CA

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

Issue: Problem when making payments
Sub-Issue: You never received your bill or did not know a payment was due

Full Complaint:
On XX/XX/2020 my account was set up for auto payment and I paid the minimum balance of {0.00} to my account. Then on XX/XX/XXXX my online account was showing that my account has still not been paid so I paid another {0.00} because my account was now showing a late fee. Several days later I received a call from a Representative from the bank saying that my account was past due. I then told her I have now made XXXX separate payments in hopes to keep my account in good standing. After several minutes the representative said that she now sees the payments but that they were not ” pushing over into my account ”. She then assured me that my account would not be listed as late and my credit would not be affected.

In XX/XX/2020 I was notified that my credit report was now showing a 30 day late account on my credit bureau. I have tried to contact the company several times to resolve this but I have not been able to find resolution.

I now can not attain a mortgage because of this unfair situation.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 22, 2020

Company Official Name: Alliance Data Card Services

State: MA

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 explanation


Complaint Details:

Date of Complaint: December 22, 2020

Company Official Name: Alliance Data Card Services

State: VA

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

Issue: Closing your account
Sub-Issue: Company closed your account

Full Complaint:
CB/XXXX. I have had this account for like 6 years. I use it and I pay it on time regularly.

On XX/XX/XXXX, I called in and asked what is the payoff amount so that I may close the account with a XXXX balance. They told me the pay off amount was approximately {.00}. I paid the full amount immediately and they confirmed it would be closed. The payment went through. I confirmed with the rep that my account was closed and they closed my account.

Three months later, I got a bill for about {0.00}. I called them and they said that is what I owe but I told them that I already paid the payoff balance and that they closed my account already. What are the charges for? They said it was the late fee since it was not paid on XX/XX/XXXX. How can there be a late fee when I paid off the full amount balance and request the account to be closed and they closed my account on XX/XX/XXXX.
The payment and closure happened BEFORE THE DUE DATE, so no late fees and interest should have been accrued.

Now my account is reporting with a balance of {0.00} for the late fees and interest accumulated over six months for an account that I paid off and closed. This is not how a business should be run.

I spoke with representatives three times and even though they confirmed I paid off the account and closed it on XX/XX/XXXX, they still insist it was late on XX/XX/XXXX and that they will not remove the fees/interest unless I pay them. I feel these fees and interest are not my responsibility if I did my due diligence to pay off my account timely and in full. It seems like this is an error on their part and it is their responsibility to rectify it by removing all financial responsibility on my part and reverse any adverse actions to my credit history.

Complaint Tags: Servicemember

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.

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