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 30, 2020

Company Official Name: Alliance Data Card Services

State: NY

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:
XXXX XXXX XX/XX/XXXX Date Opened Loan Type : Credit Card Charge off Account Company named above claims I have a unpaid balance charge off.
XXXX claims that Account charged off. {0.00} written off. And account has been paid or satisfied.

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {0.00} dollars in XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment.

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so.
7. XXXX must submitted proof that they have the correct person who owes said monies, and that my correct social security number on file is indeed the correct social security number.

8. FURTHERMORE, XXXX has revealed the exact scope of the massive breach that exposed sensitive data about millions of Americans including confirmation that thousands of passports and driver ‘s licenses were compromised along with the Social Security numbers of nearly all of the more than 146 million affected consumers. Thus, XXXX, may have inaccurate information and have fraudulent information regarding this account accusing me of owing monies I do not owe. XX/XX/XXXX was the security breach date.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 30, 2020

Company Official Name: Alliance Data Card Services

State: CA

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

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 30, 2020

Company Official Name: Alliance Data Card Services

State: NY

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

Full Complaint:
Wayfair XXXX XX/XX/XXXX Date Opened Loan Type : Credit Card Charge off Account as of XX/XX/XXXX Company named above claims I have a unpaid balance charge off. Allegedly claiming that I owe {0.00}.

Company above appear on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {0.00} dollars in XX/XX/XXXX This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment.

I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so.
7. Wayfair must submitted proof that they have the correct person who owes said monies, and that my correct social security number on file is indeed the correct social security number.

8. FURTHERMORE, XXXX has revealed the exact scope of the massive breach that exposed sensitive data about millions of Americans including confirmation that thousands of passports and driver ‘s licenses were compromised along with the Social Security numbers of nearly all of the more than XXXX XXXX affected consumers. Thus, Wafair, may have inaccurate information and have fraudulent information regarding this account accusing me of owing monies I do not owe. XX/XX/XXXX was the security breach date.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 30, 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 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 30, 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: Problem with a credit reporting company’s investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report

Full Complaint:
Ive disputed these items numerous of times, I have asked for proof of debt such a contract bearing my signature but no one can seem to furnish me with the document requested. Every time I dispute these items it comes back verified when I request debt validation everything is at a stand still. My personal information was looked up in the Florida Unemployment System back in XX/XX/XXXX by a State of Florida employee and I was offered XXXX XXXX by the State of Florida to protect my identity for one year which ended in XX/XX/XXXX. After my XXXX XXXX ended, unknown accounts were open in my name. I now have alerts on my credit report.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: December 30, 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 30, 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 30, 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 30, 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 30, 2020

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

Full Complaint:
Sub : Refund issue from Comenity Capital Bank I purchased an Airline ticket ( XXXX XXXX ) at XXXX on XXXX XX/XX/XXXX using XXXX XXXX XXXX credit card ( Issue by Comenity Capital Bank ) for a charge of {00.00}. I applied for this card through the ticket purchasing transaction process at XXXX.
XXXX / Comenity Capital Bank issued a temporary account card. The same card with the last 4 digits showing on the XXXX ticket purchase receipt ( TEMPORARY ACCOUNT ISSUED BY XXXX / COMENITY BANK XXXX ).
Later on, XXXX issued a permanent card.
Travel Dates : XX/XX/XXXX ( XXXX to XXXX ) – XX/XX/XXXX ( EWR to HYD ) XXXX # XXXX / XXXX Booking ID XXXX / Itinerary # XXXX XXXX canceled the flight due to the covid-19 pandemic.
XXXX confirmed that XXXX XXXX issued a refund of {0.00} on XX/XX/XXXX.
This refund is not showing up on my XXXX / Comenity Credit card account ( Permanent Card ).
However, the initial charge and the payment I made are showing up on this permanent card.
I contacted XXXX, Comenity Bank / XXXX XXXX XXXX, and XXXX teams to find the refund, just asking me to make circles between these 3 companies ‘ customer service departments from the past three months.
Message from XXXX : ” We have received a response from XXXX and we were advised that If the credit card expired, the passenger needs to follow with the bank directly. ” Another Message from XXXX : ” According to our notes, our customer booked the reservation using their XXXX card ending XXXX that has an expiration date until XX/XX/XXXX. According to the airline, they have processed the partial refund of XXXX USD back to the original form of payment last XXXX XX/XX/XXXX.
The cause of the missing refund is because the original form of payment is already expired. ” I strongly believe that Comenity Capital bank doesn’t have the correct account synchronization/integration between the temporary card and the permanent card.
I brought this concern to the bank customer service team multiple times and no one digging into the roots to find a solution for this problem. Simply replying with messages redirecting me to talk to XXXX etc. I dont find a path to reach XXXX XXXX / Comentiy Capital Banks Senior Management.
Absolutely no help from the regular customer service team.

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.

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