Date Received: 2023-07-24
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I received an email on XXXX indicating my credit card through Comenity Bank would be closed on XXXX. The email indicated I could use the card anytime before XXXX and a single purchase would keep the account open. On XXXX I received a message in the credit card portal indicating my account had been closed, three days before it was to be. I attempted to contact customer service, and I got to a supervisor named XXXX. She indicated that my account was coded requiring me to consent to a credit check to keep my account open. She stated that the account had been suspended, so even if I tried to use the card before XXXX as indicated in their email communication I would not have been able to. If I attempted to use the credit card it would not have been accepted and I would have been advised to call Comenity Bank at which point they would have told me I had to consent to a credit check. No communication from Comenity Bank indicated I had to consent to a credit check for an open account in good standing. Their communications with me, via customer service, was that I should have had until XXXX to use the credit card. Their response is I should have called when I received the email on XXXX so they could have told me that I needed to consent to a credit check.
Company Response:
State: PA
Zip: 19460
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is a complaint about Bread Financial, XXXX XXXX XXXX XXXXXXXX OH XXXX I am getting harassing emails and phone calls from Bread about a consumer debt that does not exist. I have the emails. Bread recorded its abusive calls. Everything below is documented. Bread has : repeatedly : refused to contact the merchant to verify a nonexistent debt ( saying thats my job ), said I have to prove I didnt take out the disputed loan ( logically impossible ), continued to contact me repeatedly after I asked them to stop, threatened to lower my credit score, and attempted unsuccessfully to withdraw money from my bank account. Multiple people at Bread have done this. I doubt I am the only consumer Bread is abusing. Bread is shockingly ignorant of its legal obligations. I purchased XXXX XXXX from XXXX on XX/XX/XXXX for {$2400.00}. I signed a single loan agreement for a single purchase. However XXXX tells me Bread mistakenly recorded 2 loans, on XX/XX/XXXX and again XX/XX/XXXX. XXXX has told Bread of its mistake. When Bread sent double payment requests, I said I have only one loan. Please fix this, Bread responded There are two orders, please follow up with the merchant.. .we are unable to make any adjustments to cancel or refund your order. I was asking Bread correct its records, not to cancel or refund an order because the " order '' is never existed. I responded that I had one order and one loan and Bread could not possibly have evidence of a second transaction. I requested that Bread acknowledge my dispute, investigate and tell me the results. I also asked for a copy of the claimed second loan agreement because I know there isn't one. Bread refused, saying that we are unable to resolve your request. Please reach out to the merchant where you made your purchase directly. That evening XXXX from Bread called me on a recorded line. She was nasty and abusive, and told me that Bread would not investigate my claim that there was only XXXX transaction unless I could give evidence of this. She refused to investigate, and said I was going to have to straighten things out and cancel the second ( nonexistent ) order. I then received a call from XXXX, a Bread supervisor. Also nasty and abusive, she said Bread was " unable '' to contact XXXX and that I had to and send proof from XXXX. She threatened to lower my credit score if I did not. Both XXXX and XXXX told me on a recorded line that it is my obligation to disprove the existence of the nonexistent XX/XX/XXXX loan. I asked them if they could prove that they didn't owe me a million dollars, and neither had a response. Disproving a nonexistent transaction is impossible. XXXX XXXX at XXXX contacted Bread and emailed me me, I just got confirmation, so we can proceed with getting all of this corrected. Even though the application I sent to you had the one device totaling {$2400.00}, it appears that was somehow transacted twice in Bread 's system. They are working on getting the second charge cancelled. And whenever you want to switch payment options, we can get that set up, so we can get the other financing charge cancelled as well. Given the trouble I was having with Bread, on XX/XX/XXXX I paid XXXX directly for my purchase, and XXXX paid off the the loan. Bread is now trying to withdraw money out of my bank account! This was confirmed by my bank ( XXXX ) and Bread. I did not authorize this and have managed to block their attempt, so far. Bread has resumed emailing me, now claiming that XXXX paid off a loan, but I still owe {$2400.00} on the nonexistent second loan loan. Breads practices are persistently illegal and abusive. I doubt I am the only person with a Bread problem.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
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 presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to 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: 33612
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In XX/XX/2023 I went to XXXX XXXX at XXXX XXXX. They offered an store credit card and filled out an form. I bought {$50.00} in items. I never received an physical card. On XXXX, I received the payment statement per {$30.00}. I went to XXXX and I tried to pay that amount, but I couldn't make a payment because XXXX just receive cash, they don't accept debit o credit card. I just had {$25.00} in cash and payed off. Later in XXXX I paid {$25.00}, so I paid in full my own. In XX/XX/2023 I received an statement from XXXX in which I have to pay {$37.00} late fees, because I paid {$25.00} but not {$30.00}. Later, I received an statement per {$71.00}. I canceled this store credit card I called XXXX customer service, but they said me, they can't help me because I canceled that store credit card. However, I have to pay the total of {$71.00}, or the next balance will be charged and growing.
Company Response:
State: FL
Zip: 32817
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023, I made an online purchase of {$25.00} with XXXX XXXX. On XX/XX/2023, an automatic payment of {$25.00} was made to bring the account to {$0.00}. I received a letter from Comenity that my automatic payment was returned and that I had a balance of {$25.00}. My financial institution informed me that Comenity bank had my payment returned back to them. Per my financial institution, I also had sufficient funds in my checking account to cover that payment. ( Please see letter from my financial institution ). Besides reversing the {$25.00} payment, Comenity charged me another {$25.00} late fee on XX/XX/2023 as well as a minimum finance charge in the amount of {$1.00} as well as another {$0.00} for finance charges. Then on XX/XX/2023, Comenity charged another {$25.00} returned check fee along with {$0.00} financial charges. Then a payment of {$25.00} was applied to my account on XX/XX/2023. Another payment of {$25.00} was applied on XX/XX/2023. At that time, I should have had a positive balance on the account. However, on XX/XX/2023, Comenity did a payment adjustment in the amount of {$25.00} when I called and spoke to a supervisor to dispute their error. On XX/XX/2023, finance charges in the amount of {$4.00} was refunded. My balance should have been XXXX. Then, on XX/XX/2023, Comenity charged me a late fee of {$29.00}, on a balance. I was under the impression that everything was taken care of. On XX/XX/2023, Comenity charged me minimum interest charges {$2.00}. Then, on XX/XX/2023, I finally received a letter from Comenity that they were unable to resolve the dispute. They asked me to provide a letter from my bank indicating that they did not return the payment ( a copy of which is attached ). Now I logged into my account and found that the balance on my account is {$58.00}. I immediately called Comenity and asked to speak with a supervisor. No supervisor was available. I should have NO balance on this account.
Company Response:
State: IL
Zip: 61350
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I purchased jewelry from XXXX 's XXXX in XX/XX/XXXX. The total amount I purchased was {$8000.00}. My promo plan was for 18 month no interest. I have always paid my bill on time and never missed a payment. XXXX of XXXX my promo plan had expired. I had just made a payment in XXXX of {$250.00} not realizing that promo plan was expiring. At that time my balance {$1200.00}. My balance on the account was {$1000.00} after my payment. Two days later I received notification that there was a large amount charged to my account. I contacted Comenity Bank and was told that I had been charged {$3000.00} of interest for not paying account in full I was charged interest in for the whole purchase of {$8000.00}. I explained to them that I was totally unware that the promo plan was ending. I just log on to the account and submit payment. I was told that if I looked at the bottom of the statement it would have told me. I asked if the could work with me to reduce some of the interest and they said no. I told them I would think about closing my account because they were not willing to work with me. A couple days letter I received a letter that they closed my account. I have made payment for XXXX. In XXXX I decided to pay off the account my balance was {$3900.00}. I payed two payments in XXXX ( XXXX ) {$250.00} ( XXXX ) $ XXXX which would have given me a - {$75.00}. I called in and spoke with a Rep and she said we would have a supervisor call you back to issue you a refund. A couple days letter I got a statement in the mail stating that I had a balance of {$15.00}. They had charged me {$90.00} in interest again. My account had a credit how could I be charged with interest again. I contacted Comenity several times and spoke with several reps and I was told that I owed that balance and there was nothing they could do.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have sent several request to XXXX to correct this credit error but have not received any response. This is affecting my credit and I am not able to purchase my home. This needs to be removed immediately
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Comenity Bank/ VCTRSSEC XXXX XXXX XXXX XXXX XXXX Ohio XXXX Company states I made a late payment in XX/XX/2022. Personally this card was opened to purchase product for my spouse. We havent made any purchases. I have card in my possession and I have NOT lended card out. There was no balance at the time. This late payment should be removed because it is inaccurate. I have personally disputed claim multiple occasions on credit karma. In accordance with the Fair Credit Reporting Act, Comenity Bank / XXXX has violated my rights. 15 USC 166B : 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: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Calling repeatedly and frequently, not waiting XXXX minutes between call attempts. Calling frequently from multiple numbers.
Company Response:
State: TX
Zip: 76132
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: My ex-wife still has the {$6000.00} diamond ring that I bought her on my ZALES credit care/Comenity Bank XXXX She says she doesn't have it anymore, but I can prove otherwise from recent photos of her wearing it. I've asked her several times to sell so I can pay back ZALES or Comenity Bank, however she refuses to do so. I have received calls and letters from Comenity Bank about paying back this debt. This is just a fraction of the {$200000.00} debt that my ex-wife put me in.
Company Response:
State: OR
Zip: 97030
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A