Date Received: 2023-08-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I tried to pay off my credit cards and I was not made aware the mailing address had changed. I resent the payment after it was returned to sender and it arrived on XX/XX/XXXX but they didn't apply the payment until XX/XX/XXXX. My due date was XX/XX/XXXX. When I called they reversed one late fee but not any of the interest or fees that were charged due to the payment being applied late. The company should owe me money because I overpaid. Then they had the nerve to tell me that I need to make my payments on time. I did make my payment on time. I have another card for a different store with the same company and I am having the same problem. I have proof of delivery of payments and I just want my cards balance to be paid off and be paid back the excess funds I sent.
Company Response:
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I sent a check via usps with tracking. The company received my payment in plenty of time before my due date but sat on the payment for over a week before posting it to my account. They then charged me a late fee and interest and account assure fees on the " late '' balance. The check I sent would have paid off my account and then some. They finally refunded the late fee but did not adjust the other fees I was charged. They also did this to me on another store card I have.
Company Response:
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made my payment of {$100.00} for XXXX, which they received on XX/XX/XXXX, but it still shows that I have a minimum payment due by XX/XX/XXXX. They have manipulated the payment window so that I do not have a full 30 days to make a payment and they are taking my XXXX payment and applying to XXXX 's bill. So now I am supposed to make another payment in the same month for XXXX.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On Thursday, XX/XX/2023, at XXXX XXXX XXXX, I contacted ( via the web-based message center ) Bread Savings ( Comenity Bank ) requesting copies of my joint savings account statements. I elected to receive electronic statements when I opened the account last year. The statements are supposed to be housed in the Documents section of the online Dashboard for my account. However, no statements appear in the Documents folder, nor are the joint account statements anywhere to be found on the website. At XXXX, a Bread representative responded, via the message center, that I can retrieve the statements from the Documents section of the online Dashboard. I pointed out that they were not there, and at XXXX, the Bread representative responded that the statements would be uploaded to the message center for my secure retrieval. I will receive them, the representative said, in XXXX business days. To date, I have yet to receive any statements for my joint account. On Sunday, XX/XX/2023, I received ( for the second time ) a message from the Bread representative saying that my joint account statements could be found in the Documents section of the online Dashboard. As before, the statements were not there. On XX/XX/2023, I again inquired through the message center as to where the statements are, and why they were not in the Documents section of the online Dashboard. On XX/XX/2023, I received a message response from the Bread representative, that they are available to the primary account holder. Interestingly, I am the primary account holder, and the statements remained missing from the Documents section of the online Dashboard. This same day, I phoned Bread, and spoke with a representative who told me he would submit a request for my statements ( which I should have in XXXX days ), and would submit a tech ticket to have my Documents section populated with the statements. It is now XX/XX/2023. I still do not have my joint account statements, either through the message center or available in the Documents section of the online Dashboard. I am filing this formal complaint against Bread XXXX XXXX for its failure to timely provide me monthly account statements for my joint savings account.
Company Response:
State: FL
Zip: 34243
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have been contacted my debt collectors in regards to a Forever 21 credit card that I did not use for the money they are saying I owe. I have tried to contact the company and tell them to cancel the card and they said they would but never did. I am just worried because this is really affecting my credit score.
Company Response:
State: WA
Zip: 98225
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33625
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair reporting act this creditor has violated my rights, under 1581 section 602 states I have the right to privacy.Section 1581 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15usc166B a credit can not treat a payment on a credit card under an open consumer credit plan late for any purpose.
Company Response:
State: CA
Zip: 95023
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am disputing a fraudulent inquiry on my credit file from comenitycb/ulta mc. Inquiry date was XX/XX/2023 this was not made by me this inquiry is fraudulent and I would like it removed from my credit report. I already filed a dispute with XXXX as well as contacted ulta and requested it to be removed and any cards canceled
Company Response:
State: CA
Zip: 90003
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: i had a credit card with commenity capital which was closed and paid off in XXXX, i then recieve numerous calls 2 months later saying i owed and having a late payment reported to the credit beureu i have tried to get this corrected but have not succeded and have just had a late pay added to my credit report.
Company Response:
State: OH
Zip: 45011
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have reached out for more information about this alleged account to include the 1099 considering it is listed as a charge off. Please stop ignoring me and provide the 1099 for this charge-off or at least tell me if there was one done. Also if this alleged debt was sold provide that information as well. You have several alleged accounts for me under Synchrony and I need this info for and all. THIS IS ALLEGEDLY XXXXXXXX XXXX ACCOUNT
Company Response:
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A