September 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: September 8, 2020

Company Official Name: Alliance Data Card Services

State: NY

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

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

Full Complaint:
Apparently I see that you have not fixed the problem of my account where they are charging me 2 times for mattresses order # XXXX that I bought XX/XX/2017 3 years ago so I have no choice but to take action against you because that is missing of respect towards the client. I’m sorry but I already took legal measures against you

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 7, 2020

Company Official Name: Alliance Data Card Services

State: IN

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 called in XXXX of XXXX to ask my account be reopened and/or to remove closed status off of my credit report. I was told this was not possible then they updated my credit report to reflect the date of my dispute when it needs a close date of XXXX. This incorrect date of XXXX impacts my credit negatively. Because it pushes the the recorded time on my credit report out until XXXX instead of XXXX.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 7, 2020

Company Official Name: Alliance Data Card Services

State: IL

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

Issue: Problem with a purchase shown on your statement
Sub-Issue: Card was charged for something you did not purchase with the card

Full Complaint:
SUMMARY : I placed two orders, two days apart on XX/XX/XXXX and XXXX, 2020 respectively.
I NEVER received these two shipments. These shipments presumably came during the state Covid pandemic shutdown by Gov. XXXX. I usually placed 3-4 orders per month from XXXX XXXX. ( Very few shipments came whole. Lots on back order. Hard to keep track. Cards would come in the mail stating back order dates had new back order dates. Some merchandise was cancelled to me, but, still sold through their catalog.

TIMELINE : I got my monthly statement from XXXX XXXX on XX/XX/2020. I noticed two charges in the amounts of {0.00} and {0.00} for which I have no merchandise to show for these charges. These total {0.00} On XX/XX/2020 I called Comenity Bank who handles XXXX XXXX charges. They forwarded me to customer service reps, dispute resolution supervisors a total of at least 6-7 people over 4.5 hours on this date alone. The amount of hang ups, wait time on hold, etc was insanity. The last person who spoke to me said everything now is a final sale and I must pay whether I got the merchandise or not.

On XXXX through XX/XX/2020, I called Mr. XXXX XXXX, CEO of XXXX XXXX XXXX which XXXX XXXX is part of. I never received a phone call, voicemail, email from anyone from XXXX XXXX or XXXX XXXX. My last message stated that if I didnt hear from someone that I would contact anyone who would listen about how they conduct business. Still, no call.

CONTACTS : XXXX XXXX XXXX Comenity Bank XXXX Mr. XXXX XXXX, CEO of XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX ) XXXX ====================== IN ADDITION : When I received my XX/XX/2020 statement there were three charges for items I never ordered.The amounts they charged me were : {.00} ; {0.00} and {.00} for a total of {0.00}.

ALSO : When I went to access my account, on line, they deleted my entire order history with them, going back over two years.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 6, 2020

Company Official Name: Alliance Data Card Services

State: WI

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:
On my XXXX credit report, an account with Comenity BankXXXX appears twice, with both items open and reporting different balances, monthly payments, and credit limits. The inaccurate information shows a last payment of XX/XX/2016 – when the XXXX account switched to XXXX XXXX and has now switched back again to Comenity. XXXX and XXXX BOTH report this information accurately, but XXXX does not. I filed a dispute with XXXX, who has not been helpful. I contacted Comenity and they said they show only 1 active account and will not assist or contact Equifax on my behalf as they believe there is no error. No one will listen to me or help me. I want the inaccurate information OFF of my credit report with XXXX. I want my XXXX report to look the SAME as XXXX and XXXX, which both have the correct information. Neither XXXX nor Comenity will take responsibility for this error!

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 8, 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: 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: September 7, 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: Incorrect information on your report
Sub-Issue: Account status incorrect

Full Complaint:
The company saying i made late payments and it is affecting my credit score. Balances are paid off.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 6, 2020

Company Official Name: Alliance Data Card Services

State: MA

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

Full Complaint:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 8, 2020

Company Official Name: Alliance Data Card Services

State: NC

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

Issue: Trouble using your card
Sub-Issue: Can’t use card to make purchases

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 6, 2020

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 is not yours

Full Complaint:
Debt was paid in full with original Creditor for {0.00} in XXXX of 2020. Debt was wrongfully put on my credit report as a collection and needs to be taken off by collections agency immediately. This has been fraudulently added to my credit report and is damaging my credit.

Complaint Tags: Servicemember

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: September 7, 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: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Complaint Tags: Servicemember

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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