CFPB Complaint

Alliance Data Card Services – CFPB Complaint

Consumer Complaint Submission

Date Received: 2017-06-13T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Previous complaint filed against XXXX XXXX relative a defective mattress delivered XXXX XXXX with no communication or follow up from the store to resolve the issue. The conclusion of the previous CFPB complaint states : Please note Comenity Capital Bank and XXXX are two s eparate entities. The Bank issues and is responsible for addressing questions related to the credit card account. XXXX is responsible for handling matters related to sales, merchandise processing, returns and shipping. XXXX informed us they will attempt to schedule a service technician to inspect the merchandise and come to a resolution. Since this response and closure of the complaint, XXXX still has not made any attempt to resolve the issue. A refund should be granted. XXXX also lied and stated no communication was ever received but clearly there were XXXX separate emails sent to the same email address on different days per their request. Attached is confirmation that the email address used is correct and a regularly checked email inbox.

Company: Alliance Data Card Services

State/Zip: MI 483XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2549689

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.

About the author

Research Department

Here is where you will find important stories located from around the web which can impact you and your financial life.

%d bloggers like this: