Date Received: 2023-07-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under as open end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 93033
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: 12 calls in 5 days as noted in screen shot. All within work hours.
Company Response:
State: MI
Zip: 48423
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
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: The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as 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 significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33172
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2023, while on a road trip to the state of Florida, I attempted to use my Comenity Master Card on XX/XX/2023. The card was declined, and I simply believed it was because I was out of my home state of Illinois. After arriving home on XX/XX/2023, I attempted to use my Comenity credit card again, and while making a small purchase, the amount, much lower than my available credit, the transaction was declined once again. This time I called the customer service number, and I was told I had some indicators on my credit report that indicated a significant change and a consumer report had to be provided before any available credit was made available to me. I explained that I had not received anything in writing, by US Postal Service, email or on the Comenity account portal regarding this issue. I asked why would I agree to this if I have not been contacted by Comenity Credit Card? I was told by customer service representative, XXXX, from the Texas call center, it would be a call I would have to place at time of a transaction being declined. I asked if I could have an authorization form sent to me, allowing me to read what I was agreeing to, in regard to the credit pull Comenity Credit Card is asking I give a verbal agreement to. Customer Service Representative XXXX said no, it this would be a verbal agreement. I explained this agreement, you are asking any credit card holder to make, when a transaction is declined, would be an agreement made under duress. How can a person be made to agree to a consumer report being ran without a written authorization form, when a transaction is declined. I requested to speak to a supervisor. I was connected to Senior Account Specialist XXXX XXXX. XXXX XXXX stated the same. This would be a verbal agreement, but she would notate the account, stating I was not agreeing to a verbal agreement that would allow Comenity to run my credit, but my suspended status would remain on my Comenity Credit Card Account. XXXX XXXX stated if I wanted to know if this would be a hard inquiry or a soft inquiry, I would need to personally contact the individual credit reporting agencies. I told her it was totally unacceptable to expect a consumer to contact the credit reporting agencies regarding an inquiry the consumer did not request. And NOT PROVIDE any written documentation explaining what the consumer is agreeing to.
Company Response:
State: IL
Zip: 60459
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I missed a payment and the company, Comenity Bank has called me 12 times in the last two days. This is harrasment. It is affecting my work and therefore my ability to pay them back. They did not give me an opportunity to assess my finances and call back to pay. They are calling relentlessly and it is causing my anxiety at this point.
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: this account start in my credit report on XXXX .... i dont recognize this as mine..
Company Response:
State: FL
Zip: 33018
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: I had like five open accounts with a Comenity Bank. At the end of XXXX my wallet was stolen. There were no fraudulent charges on the account and I reported it the next morning. They told me that they were going to close the accounts and send me new cards unbeknownst to me because of because of a previous negative experience I am unable to open up a new account And I am also unable to get any answers as to what the previous negative experience was. I have called many times to Comenity Bank, and Ive spoken with customer service and even a manager who has told me that there is some thing going on behind the scenes that is unbeknownst to me And they will not give me any information as to why they can not open me up a new account. Now when I had my accounts open, I only missed one payment and I paid it as soon as I figured out that I missed it in the whole two years that I had the accounts open, my credit scores at a XXXX although my balances are pretty high on the cards, I am frustrated because Im not getting any answers from anybody as to what is negative experience was and why they can not reissue the cards and open up the a new account. I feel like they are discriminating against me because I had my wallet stolen.
Company Response:
State: TX
Zip: 78227
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX a full beauty brand - Comenity XXXX XXXX account number ending XXXX. I've spoken to this company on several occasion and have been assured all will be cleared up.It is not cleared up! I purchased 2 sweaters XXXXXXXX XXXX using a new community XXXXXXXX account ending in XXXX. On the same day I received the 2 sweaters, I brought them to XXXX ( as per XXXX XXXX ) to be returned since they were of an inferior quality. I then continued to be billed, eventually including fee after fee. Minimum payment request after minimum, I've spoken to them on several occasions since. ** They have reported late payments to the credit bureaus. My credit score was close to XXXX before they began reporting these payments as late. I eventually ( XX/XX/2023 ) sent a {$5.00} payment hoping for them to stop adding to the ruination of my credit rating. Comenity could be fraudulent as Community is the way it is pronounced.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I got a credit card with Kay Jewelry store around XX/XX/XXXX, with an 18 month promotional balance for the {$3500.00} purchase. then, a few months later I purchased another item on the card. Instead of applying my payments to my promo balance, Comenity bank and kay took payment towards my balance and left me with a {$1300.00} promo balance. I was not aware that they would then charge me interest on the entire purchase if not paid off last month. I called them today as I noticed a {$1400.00} interest charge on my card. ( let 's not discuss how high the interest rate is for a {$3500.00} purchase! ) Comenity/Kay says there is nothing that can be done, despite their abusive and deceitful tactics. I called and spoke to 2 different representatives today XX/XX/XXXX and they both said they can't do anything. I asked to speak to a supervisor who states nothing can be done " because of the terms and conditions of promo. '' I can't get anyone to help. If I had known that the promotional balance needed to be paid by XX/XX/XXXX to avoid interest on the entire purchase I would have done so, but now " it is too late '' ( per Kay/Comenity Bank ) .
Company Response:
State: NY
Zip: 10710
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Bread XXXX / Comenity bank as reached out to my family members about my dept several times. The account in question is in no way connected to them and is only under my own name. They have reached out to my family asking about my debt and for payment. I never shared them the contact info of my family so not sure where they even got it from.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A