Date Received: 2023-07-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There was recently a credit card opened in my name fraudulently that I did not apply for or open at all through comenity XXXX XXXX XXXX XXXXXXXX opened XX/XX/2023 with a {$4900.00} credit limit I have not received anything in the mail or have I applied for this card at all
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
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: XXXX credit bureau has violated the FCRA AND CONSUMER LAWS by never deleting inaccurate ; multiple wrong last active dates, wrong amounts, wrong status, wrong opening date wrong date of last payment, and EVEN UPDATED CHARGE OFF STATUS ACTIVELY EVERY MONTH! LAST ACTIVE DATES ARE GROSSLY INCORRECT AND EVEN ACCOUNT TYPE. I have corresponded and begged for 4 months and they continue to ignore all of the proof I have attached here. XXXX has continued to report these false items as true on my credit report instead of deleting these numerous accounts as the laws state. XXXX XXXX accounts XXXX XXXX accounts and Ulta Commenity WHICH HAS BEEN PAID TO XXXX ON XX/XX/23 This continues to destroy my interest rates, ability to have a vehicle, or buy a house on my fixed income of XXXX I need the credit to be correct and its only right to do so.
Company Response:
State: MI
Zip: 48329
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account was closed as of XX/XX/2024 due to bankruptcy XXXX now 2 months later the account is reporting late payments
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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: 33147
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Comenity Bank refuses to take responsibility for cashing check payment almost three month after paying outstanding balance in full. Check # XXXX for XXXX was send on XX/XX/XXXX, but didn't cash it till XX/XX/XXXX. Comenity Bank unjustly vollected late fees & interest and ruined my low XXXX credit rating I demand a copy XXXXfront & back ) of check # XXXX Respectfully, XXXX XXXX
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Comenity bank has for months been unable to provide new ( inherited ) customers with the ability to register an account for a credit card they already have and use. I am asked to input my last XXXX SSN over the phone before I speak to anyone, which is unnerving considering I cant access my statements virtually at all. Customer service has told me there is no time frame for when registration will again be available. How can a financial institution take on an existing credit program without the infrastructure to properly support it?
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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: I have been contacted XXXX XXXX 's credit card bank for months. I was finally refunded for the purchase that was sent to me in error from XXXX as well as all the late fees and shipping charges. However this institution has been reporting me as past due for three months now. I want this corrected and deleted from the credit profiles. Comenity bank has not replied or correct this reporting, When you call you can only speak with offshore contractors. XXXX XXXX XXXX XXXX
Company Response:
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am behind on a single payment ( <30 days ) which I have discussed with the company and made a promise to pay because I have been having an issue with money recently. They have made multiple calls to me from the number ( XXXX ) XXXX. As of today, XX/XX/2023, Comenity Bank has called me a total of 12 times. Exceeding the 7-in-7 rule set forth by the FDCPA. The first set of four ( 4 ) calls being at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. Then the second set of four ( 4 ) calls came, at this point equaling out to eight ( 8 ) calls, I returned their call again to explain to them that I will pay and to explain that they have thus violated the 7-in-7 rule by continued calls after speaking with me about this particular debt. The rep I spoke to first said she would update my status to prevent further calls from them to me. Two hours after that phone conversation Comenity proceeds to call me another four ( 4 ) times in which I made another call to them trying to explain what happened the supervisor I spoke with, despite being rude, he tried to explain that " Sir we did NOT try to call you 12 times today I can assure you. '' I proceeded to explain that I have the call logs to prove that they did. He then had me send them the record of the call logs and I attempted to do just that but they rejected it and would not allow my message to go through.
Company Response:
State: OH
Zip: 43062
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened a credit card account with the store XXXX, administered by Comenity Capital Bank, in XXXX of XXXX. I received a bill in XXXX with a closing statement date of XXXX. I received the bill during the XXXX week of XXXX ( don't recall exact date ) and sent a check on XXXX. I did not check the due date, which was XXXX, so I accept the {$30.00} late fee on this one. The next statement closing date was XXXX. I received that bill on XXXX ( Saturday ) and sent payment on XXXX ( Monday ). That payment cleared on XXXX, so that meant another late fee. There was no way I could have sent it any sooner! In XXXX the statement closing date was XXXX. I sent payment on XXXX, the same day I received the bill. It didn't clear until XXXX ... another late fee! Apparently, no matter when I send the payment, it will not be cleared until it is late! For the XXXX bill, it closed XXXX. I received it XXXX. Based on the history, I realized there would be yet ANOTHER late fee so I called to complain and challenge the fee and I closed the account. I paid the late fee while on the phone with the company. This seems to be a scam!!! I checked the mailing address each time there was a late fee to be sure I had it correct. My credit score was XXXX on XXXX. I do NOT pay bills late.
Company Response:
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for my XXXX reward point in a statement credit cash value {$140.00} around XXXX XXXX my confirmation # XXXX i thought they said it wound take 4 to 5 days to receive the credit i called back after a week they said no it would take 45 days before i receive the statement credit which i should receive around XXXX XXXX so i waited over 45 days they started give me the run around putting me on hold, transferring me to another department line that never answered, I talked to a supervisors on different occasions when ever i talk to a person they respond saying i still have to wait. Now after XXXX months or more they said that i have to dispute it and that would take another 60 to 90 days of waiting for a response so now after 90 days they responded by denying me my {$140.00} statement credit and the reason for the denial was i didn't dispute the statement credit within 60 days from some date i'm not aware of because of all the run around they gave me i call back to talk other customer service representatives and they don't no what happen to my statement credit that i should have received so now i need the CFPB to investigate it for me. i think the reason for the fowl play is they never received any interest from me because i pay my debt in full before interest is charged
Company Response:
State: CA
Zip: 90810
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A