Date Received: 2023-08-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Seation 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: MD
Zip: 21206
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt was paid. In full XX/XX/XXXX XXXX Commenity Bank was taking XXXX XXXX out of my bank acct monthly.From XX/XX/XXXX Until XX/XX/XXXX .I have bank statements to prove it. Since they sent a summons I file a couple of the statements with the. Clerks office. On XX/XX/XXXX I do have more bank statments if needed. I truly believe since the company has exchanged owner ship of the debt 3 times.It may have been lost in the shuffle XXXX XXXX? Commenity Bank- they took all my money. XXXX XXXX XXXX - if they touch 1 cent I will sue them.Its paid in full.
Company Response:
State: IN
Zip: 46254
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Subject : Pre-Arbitration Settlement Offer - Collection Account ( Account Number : XXXX ) and Obligation to Honor Arbitration Agreement To Whom It XXXX Concern, I am writing to address the ongoing issue concerning the collection account associated with Comenity Capital Bank, account number XXXX, which has significantly impacted my credit report. Despite prior attempts to resolve this matter, the situation remains unresolved, causing substantial financial hardship and distress. I have denial letters to prove the financial pain and stress this fraudulent account has put me through. I want to emphasize that with the acquisition of this collection account, XXXX XXXX XXXX has assumed all rights and obligations, including those stipulated in the original contract, such as the arbitration agreement. This agreement is legally binding and requires that disputes be settled through arbitration rather than traditional litigation. Given this obligation, I propose a one-time settlement offer to expedite a resolution and avoid further legal complexities and expenses. XXXX XXXX XXXX has the opportunity to settle this matter by agreeing to the following terms : Payment of {$5000.00} in full settlement of the collection account. Deletion of the account and all associated information from my credit report. By upholding the arbitration agreement, XXXX XXXX XXXX demonstrates its commitment to equitable resolution practices. Please give due consideration to this settlement offer and respond promptly. Accepting this proposal not only upholds your contractual responsibilities but also leads to a more advantageous outcome for both parties involved. I request written confirmation of your acceptance of this settlement offer and the subsequent actions taken to fulfill the terms outlined above. Thank you for your attention to this matter, and I look forward to your timely response. Sincerely, XXXX XXXX
Company Response:
State: VA
Zip: 23236
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
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: 33614
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
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: 33614
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I ( XXXX XXXX ) opened a credit card with XXXX XXXX XXXX Commenity Bank card on XX/XX/XXXX. I made a purchase of XXXX that day. I paid XXXX 's via online banking through XXXX on XX/XX/XXXX. My billing period, is due every month on the XXXX. In XX/XX/XXXX, I received a late fee bill for {$30.00}. I paid the {$30.00} via XXXX banking on XX/XX/XXXX. Then in the month of XX/XX/XXXX, I received a bill for XXXX dollars with another additional late fee. I then called XXXX 's XXXX XXXX # and was told that they never received a late fee payment. I offered to send over my bank statement to prove that I had, and they refused. I then asked to speak with a supervisor and was disconnected several times during this call. One of the workers I talked to was able to refund the initial late fee payment, after agreeing that my original payment on XX/XX/XXXX for {$42.00} was not late to begin ( as per banking this refund was post dated on XX/XX/XXXX ). I was then told that the second late fee would not be waived ( despite not having a balance which would constitute not payment due ). I now monthly continue to get a bill from XXXX and have called monthly to dispute with resolve. I will often ask for a supervisor and will be hung up on or placed on a hold and then disconnected. I last called XXXX 's on XX/XX/XXXX. I was on the phone with 4 different representatives whom refused to tell me there name and when asked for a supervisor would disconnect me. I did ask to close out my account and I also called XXXX 's Beauty Supply Costumer Service who said they can not help as it is through Commenity Bank. Today, XX/XX/XXXX, I received a bill for now {$130.00}. It should be noted that I did not make any other charges to this card aside from original purchase date. I am at a loss and do not know what to do. I filed a compliant on better business burerau and have not heard back. I am being falsely charged and I am in need of support. Please assist. Thank you for your time.
Company Response:
State: NY
Zip: 11779
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hello, I have an issue with Comenity Bank/Bread Financial who is the issuer of my XXXX Credit Card . I had forgotten that I pre-authorized a payment to my account last week, so I did not have the funds available in my account to cover it. Over the last 6 days they have called me XXXX times. I have also received XXXX other calls within that time period labeled with No Called ID. Obviously I can not prove that those calls were from them, but they did start on the same day and I had XXXX calls labeled No Called ID in the XXXX weeks prior to this. It is my understanding that the are not allowed to call me more then 7 times with a 7 day period. This is clearly way beyond that. I do also understand that my bill is due and that I owe them money. I am on a fixed income with payments at the beginning of each month. It was my fault that I didnt have the funds available as promised, but I think that this level of harassment is unnecessary and cruel for a company to do to a customer over {$35.00}.
Company Response:
State: RI
Zip: 02864
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problem with customer service
Subissue:
Consumer Complaint: On XX/XX/23, a balance transfer was made to XXXX XXXX credit card from XXXX XXXX XXXX ( XXXX ) to clear debt. Not seeing the transfer was not applied to my XXXX XXXX account, I contacted them around XX/XX/23 and they claim never receiving the mailed check from XXXX. I contacted XXXX and they stated that the check had been received and cashed by XXXX Bank on XX/XX/23. I have received documents from the credit card company to let me know they were investigating. On XX/XX/23, they requested a copy of the cashed check which I mailed via certified mail XX/XX/23 and was signed upon receipt XX/XX/23. I contacted them again and they responded perhaps the check had been declined and returned to financial services. In which case, that did not happen. Receiving another letter requesting a copy of the cashed check XX/XX/23, I resent request of the copy of the check via certified mail XX/XX/23.
Company Response:
State: CT
Zip: 06790
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XXXX I address the credit bureau as into regards of the removal of inaccurate credit info being displayed on my credit report, and to no avail nothing was done and that is a problem for me. I also address new york and company, back in XX/XX/XXXX and they did reply on XX/XX/XXXX I will be enclosing their response letter to me.and with that being said this company filed for a chapter XXXX bankruptcy on XX/XX/XXXX.
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: There is a credit balance on my Zales account issued by Comenity Bank, an overpayment in the amount {$20.00}. Requests were made to refund this amount, reps refused to refund, claim they are unable to do so, due to a prior refund sent via check in amount {$900.00}, claim they need to wait for check to clear. Previously, I requested this amount, {$900.00}, refunded via ACH deposit, request denied. The current credit amount, {$20.00} has nothing to do with prior refund check, should be refunded ASAP, no reason to hold it. Further, had prior refund sent via ACH instead of check, there would be no reason to hold current credit amount.
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A