Date Received: 2023-08-04
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: Hello, I had disputed the balance on an account reporting negatively on my credit report. I had a credit card through Comenity Bank for XXXX that ended up in collections. Over time the account was paid off and satisfied. I have documents from the collection agency and the court that the account has been paid in full and satisfied since XX/XX/2023. Comenity bank has refused to update the balance information after disputing the records with the credit bureaus even after providing court and collection agency letters stating other wise.
Company Response:
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 I returned a purchase to the Lane Bryant store. My lane Bryant credit card was credited in the amount of approximately {$16.00}. I reached out to comenity bank and they are disputing the credit. I reached out to lane Bryant and they state the credit was submitted to comenity. Come its is refusing to apply the credit to my card.
Company Response:
State: CA
Zip: 91786
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Mailed in a check payment to Big Lots Credit Card Company ( Comenity Bank ) {$1800.00} on XX/XX/2023. Check was cleared by Comenity Bank on XX/XX/2023 and has not been posted to my account. Have called customer service 4 times. Each time they have stated they show no record of payment. Customer service has told me to check with my bank not an option bank shows funds have cleared and excepted by Comenity Bank. The customer service reps have no way of searching for my payment. They keep telling me to check back.
Company Response:
State: TN
Zip: 384XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 I invested {$100000.00} in good faith in a 1 yr CD with Bread Financial. This represents all of my savings. I am retired and on a fixed income. On XX/XX/XXXX, I requested via telephone that my interest be transferred to an outside checking account. The external account was set up and confirmed. The nightmare of incompetence and numerous phone calls began. I was told the ACH would take 3-5 business days. On day 3, I followed up with Bread to confirm it was in progress. I was told my account was restricted due to " suspicious activity '', logons from outside Florida where I live. I explained that I use a VPN, which shields my location and is a security measure. She then told me I needed to send 2 bank statements, copy of my license and social security card. I submitted those within 24 hours. I received confirmation of the receipt the following day. It would take another 1-2 days before they approved the transfer. After numerous conversations with different representatives over the following week, I was unable to get an answer as to why there was a delay. Each one gave me a different response. I finally reached a representative in their security dept who told me the restriction was never lifted and was their error. He would lift it as we spoke. He then transferred me to another representative who was clueless and unintelligible. I checked the portal which indicated that the transfer would go through. I called back, got yet another representative who then told me my CD was cancelled, I was charged {$2300.00} in penalties and the I would receive the balance back to my original account. When I told her I didn't request it be cancelled, she told me it's at their discretion due to security reasons. Please help me to get my money back from this institution. This is questionable business practice and arbitrary. I supplied all the information they asked for and in turn was abruptly cancelled. I am horrified that a financial institution can conduct business in this manner and not be answerable. Thank you for your help.
Company Response:
State: FL
Zip: 33446
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023, I initiated a phone call to XXXX XXXX XXXX XXXX. I informed the agent I wanted to pay my XXXX which was {$260.00}. The agent then advised me that I have an upcoming payment on my Victoria Secret Credit Card. I explained to the agent I have an automatic payment on that account. She advised me okay and would take the payment of {$260.00}, I was provided a confirmation number for the payment XXXX. The phone call took longer than usual to do a payment by phone, I even asked the agent if everything was okay, she said yes. I went about my day after I hung up with her. Yesterday, morning XX/XX/2023 I was devastated to find out the woman made an unauthorized payment of {$1800.00} to Victoria Secret credit card. I immediately called Victoria Secret to advise this was NOT authorized. I began calling at XXXX and did not end calling until XXXX to get this resolved. They advised me if it was their fault, it would take 18 days for me to " possibly be reimbursed. '' If the managers would have pulled the calls, they would have heard me on the phone NOT GIVING AUTHORIZATION FOR THIS. One agent did advise me, that I could go to my bank get a letter from the bank on the bank 's letterhead showing that the funds were taken, and I did not put a stop payment on the funds ( my bank could not do that anyways because it was an electronic payment ). I had the bank fax XXXX XXXX confirming the information. As of the writing fo this report I have not heard back from the credit card company. Thankfully, XXXX XXXX has opened a claim in regard to my money being taken from my checking account. However, I am a single working mom, and this was all my funds I had in my account to prepare my child for school. I need help with this matter as I feel what the agent did was not only morally wrong but illegal as well. If I would have done this, I would be facing charges in California. I had to miss a day of work to make phone calls and go to my bank.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I went to a XXXX timeshare meeting that was supposed to last two hours but I was there for XXXX XXXX. My fianc and I were very adamant about not wanting a credit card and not wanting to purchase a timeshare due the cost but everyone there was so persistent. We refused to give our social at first and questioned why it was needed and we were told that it was to get the best deal. After turning the sales rep down, we were pushed off to another person to try and get us to buy and again we expressed that it was not in our budget and we did not want to apply for anything. We left that meeting thinking that we declined everything. I later received a letter that a credit card was opened in my name with a card limit of {$4200.00}. A physical card was never sent. It dropped my credit XXXX points for opening an account that I never requested to be open in the firs place.
Company Response:
State: SC
Zip: 29212
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a payment for {$2.00} that returned from my bank. For NSF it was an honest mistake and I received a {$25.00} Returned Check fee. I called to see if I could get it waived as a courtesy. I have been in banking for many years and have never met a financial institution so stingy with refunding a {$25.00} fee. Literally, I am now left to pay XXXX more that my balance and minimum payment. I was rejected by a Cs agent then thought I could get someone with more authority to help me this one time..I 've never been late I have paid interest and on time. The next agent by the name of XXXX employee ID # XXXX. Attempted to dispute it for me. I have nothing to dispute I understand the reason why I received the fee l, I understand. As a customer I was asking for a courtesy waiver for an honest mistake on a {$2.00} payment. XXXX also tried to justify the denial or the reason for not waiving the fee as a this is a way of the bank generating revenue. By not appreciating their customers and having NO empathy ove a situation like this. He also made it VERY CLEAR that AT THE END OF THE DAY THIS WAS JUST A JOB to him meaning that Bread financial or commenity whatever they are XXXX no company values based on morality and that we customers are ONLY numbers and money signs to them. The business we bring them is not something they truly care about they have so many other customers that one little one like be with a little {$2.00} payment is going to leave the BROKE if they were to XXXX forbid refund a {$25.00} fee. WOW WOW. If that employee was in an escalated or escalations positionhe poorly represented this company but I assure you, I will never do business again and will let my family and friends know of the culture this company carries. This call was today XX/XX/23 @ XXXX XXXX
Company Response:
State: TX
Zip: 77627
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My card was lost I reported it but Comenity bank refuse to investigate and keep charging me every month {$41.00} in late fees and {$12.00} interest. Thank
Company Response:
State: MO
Zip: 65807
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Sent a Identity theft alfadavit form to XXXX, XXXX, and XXXX on XX/XX/2023. Listing the following accounts as identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Victorias Secret Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This now my second time sending in a identity theft alfadavit disputing these accounts There is an attachment for Comenity Bank/ Victorias Secret Account XXXX XXXX showing they were ceasing the collection for the debt and removing it from all bureaus and have not yet. I have also seperately online disputed these accounts as well with experian and XXXX and XXXX but they keep coming back fromt the creditor as verifed.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was a XXXX credit cardholder for years. In XXXX I did receive my statement with a large purchase of {$350.00} cents. Immediately, I did call and let them know that I did not recognize that purchase. The person I did talk to told me that they would fix that problem. After months, they did not do anythng about my claim. Meanwhile, they kept charging me interests and late fees for that amount ( $ XXXX ). On XX/XX/XXXX I did make a second phone call and I did talk to another person named XXXX. She told me that she did not see any notes about my claim. XXXX did go over my last statements and she did conclude that I did owe only {$140.00} cents. Immediately, I did make a pay off of {$140.00} cents in order to make my account at XXXX balance. She also told me that they would send me a reversal letter in 90 days after investigation. In XXXX XXXX, I did receive the reversal letter informing me that my claim was denined. At the end, they sent me to a collection agency ( XXXX XXXX XXXX ) with an amount of {$710.00} cents to pay. I did also call that agency ( XXXX ) and explain the situation but they keep sending me bills with a large amount of {$1600.00}. XXXX cents to pay. I would appreciate that you help me to resolve this problem as soon as possible because I am not responsible to pay for a purchase that I did not make.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A