April 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: April 3, 2020

Company Official Name: Alliance Data Card Services

State: RI

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: 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/2018 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 explanation


Complaint Details:

Date of Complaint: April 3, 2020

Company Official Name: Alliance Data Card Services

State: IA

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

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

Full Complaint:
I have a Victoria ‘s Secret credit card showing on my credit report. The status is saying that it is included in bankruptcy. This account was not included in bankruptcy. This is a violation of the FCRA. It has been paid off with their servicer XXXX XXXX in return for them promising in writing to delete the tradeline completely from my credit profile.

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: April 3, 2020

Company Official Name: Alliance Data Card Services

State: NY

Product: Debt collection
Sub-Product: Credit card debt

Issue: Communication tactics
Sub-Issue: Frequent or repeated calls

Full Complaint:
Comenity Bank has repeatedly called my number today five times in six hours from XXXX XXXX to XXXX XXXX. This has now crossed over into the land of harassment and it needs to stop. No Voicemail is every left, I am dealing with the COVID-19 pandemic like everyone else and these people and their constant calling is only adding stress.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with non-monetary relief


Complaint Details:

Date of Complaint: April 4, 2020

Company Official Name: Alliance Data Card Services

State: CA

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

Issue: Closing your account
Sub-Issue: Can’t close your account

Company response:

Response Type: Closed with monetary relief


Complaint Details:

Date of Complaint: April 3, 2020

Company Official Name: Alliance Data Card Services

State: MD

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:
Commentity Capitol Bank is keep trying to make me pay for an installment line of credit that I didnt agree to, the merchant signed my name off on this for a hair procedure I never got done

Company response:

Response Type: Closed with monetary relief


Complaint Details:

Date of Complaint: April 3, 2020

Company Official Name: Alliance Data Card Services

State: MS

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

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

Full Complaint:
Comenity bank is reducing credit limits arbitrarily thereby making my credit card usage appear higher, which damages my credit score and increases my interest rates. This means that it costs me more money to borrow money for a new house, car, etc.

I have contacted them to ask why my limit was reduced or my account closed on my Victorias Secret, XXXX XXXX XXXX XXXX and a few more and they told me their computer generated model got information from the credit bureaus that assisted them in making this unilateral decision. So I guess adding to peoples financial problems during a pandemic is what they call good business practices.

The unwarranted actions of this company has caused me actual monetary damage and that is the basis of this complaint.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 3, 2020

Company Official Name: Alliance Data Card Services

State: AR

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

Issue: Other features, terms, or problems
Sub-Issue: Credit card company forcing arbitration

Full Complaint:
XXXX DID IT AGAIN, IT MUST BE FROM CORONA? THEY MISS REPORTED BALANCE OWED TO ALL BUREAUS FROM {.00}, XXXX TO {.00}, XXXX ON XX/XX/2020. THIS WAS DONE ON PURPOSE. THIS ACCBA.OUNT IS HEREBY DISPUTED UNDER THE FCBA OR F

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 4, 2020

Company Official Name: Alliance Data Card Services

State: AL

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

Issue: Struggling to pay your bill
Sub-Issue: Credit card company won’t work with you while you’re going through financial hardship

Full Complaint:
On XX/XX/2020 a representative from Lane Bryant Commenity Bank called me for the second time in one week about making a payment. I told them both times that I am unable to make a payment due to not having the funds do to having to provide things for my family during the covid 19 outbreak. I am the only person working in my home. I just sent them a payment last month when I was able too and now they are harassing me again before XXXX is even a week in. I asked them if they could offer some type of extension and they asked me is I could pay. They were not trying to work with me, but treats me like I was lying about my situation.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 3, 2020

Company Official Name: Alliance Data Card Services

State: GA

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

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

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: April 3, 2020

Company Official Name: Alliance Data Card Services

State: MD

Product: Payday loan, title loan, or personal loan
Sub-Product: Personal line of credit

Issue: Problem with the payoff process at the end of the loan

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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