Quick Answer: A consumer filed a CFPB complaint against Alliance Data Card Services regarding excessive robocalls (6-7 daily) from Comenity Bank despite payment arrangements. The company provided a timely response and closed the complaint with explanation, though the consumer dispute status remains unavailable.
Date Received: 2017-05-30T00:00:00
Product: Credit card debt
Issue: Communication tactics
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Consumer Complaint: I keep getting robocalls from comenity bank u p to 6-7 time s a day after I stated that I was paying them before the XXXX of the month. There is no way to stop this call from happening although it is supposed to ask if you would like to stop these types of calls. This is a form of harassment. The next time this happen, I will use my rights.
Company: Alliance Data Card Services
State/Zip: TX 761XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2497485
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.
Know Your Rights: If a debt collector is contacting you, you have legal protections. See the complete list of FDCPA violations collectors commit most often. Use the free Debt Validation Letter Generator to demand proof of the debt, or check this collector’s complaint history with the Scam-O-Meter.
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