Date Received: 2023-06-12
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Wayfair is withholding access to my account. They are refusing to let me login to my account and are not giving me any information about my account. This is illegal. I provided with all of my verification information and have spent hours on the phone and they just transfer me around in circles. They need to give me online access to my account immediately.
Company Response:
State: OR
Zip: 973XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Several years ago, I had a XXXX credit card, which I used. This card was replace with a Comenity Card ( XXXX ). I do not use this card. - XX/XX/2023, I received a bill ( statement closing date of XX/XX/2023 ) Due {$120.00}. I had not charged anything to this card. I also checked with the additional card holder to see if this was a valid charge. I attempted to log into the account, and the account did not recognize my email address. - XX/XX/2023, I contacted the bank to let them know, we were unaware of any changes to this card. I spoke with XXXX XXXX She identified the card had been used in Texas and Florida, I confirmed these were not my charges and asked to have the information sent to their fraud area and to close the account. She agreed to do so. - XX/XX/2023, I was contacted by the collection department, XXXX XXXX. to let me know I had an overdue billing and she would be happy to take the payment information over the phone. I did not provide that to her. She was unaware of my recent conversation regarding the balance. 'Not on her screens ' - XX/XX/2023, I contacted Comenity at the number above and spoke with XXXXXXXX XXXX XXXX I explained the situation, and again requested the card account be closed. She assured me she would close the card account, stated 'just because we say we will do something doesn't mean the system will allow us to do that. ' - XX/XX/2023, I received a new card and account ( XXXX ), and in a separate mailing, a new bill from Comenity, the disputed amount from previous issue was now transferred to a new account. I spoke with XXXX XXXX at Comenity regarding the situation noted above. XXXX identified for me that my 'old ' account had been resolved, but would remain open as I had a XXXX credit. I explained, I did not have a credit, as I had made no payments, and the credit appeared to be on their end related to calculating the disputed amounts. He identified that as long as I did not activate the new card - ( XXXX ), it would not show up on my credit report as past due. This billing also had a late fee {$29.00} listed. - XX/XX/2023, I contact the phone number to see is the account was closed or unavailable for activity. I was still open and active with available credit > {$8000.00}. I then called and spoke with XXXX XXXX identified the problem, old and new. Additionally, I now had Comenity on my credit report as a, inquiry for new credit, and a late payment. I explained this to XXXX who agreed to provide me with a letter stating the issues, that could be used in the event of a credit dispute. I asked him to please close both accounts and to provide me with fraud information. - XX/XX/2023, I received the requested letter from XXXX today, and noted it was only for the account that was never opened by the bank but never activated by mean, and which is suppose to be closed. I am concerned that my card is available to someone for use and I am at a loss as to how to get this account closed. My credit rate has dipped XXXX points due to this situation.
Company Response:
State: IN
Zip: 46052
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
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: Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Company Response:
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX/COMENITY/XXXX was opened XX/XX/23 without my authorization. Current balance {$0.00}, and credit limit of {$350.00}.
Company Response:
State: PA
Zip: 17602
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: 2023-06-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I keep getting phone calls sometimes 3 or 4 times a day but always atleast 2 times a day and sometime 45 mins or less apart. They have also been leaving kinda theatning message as well. I am on a fixed income and can not work or i would of paid it. I also was homeless for several months. These phone calls have been going on for over 1.5 yrs!! I believe they are breaking the law by repeatly calling me more than once a day. Thanks
Company Response:
State: WA
Zip: 98632
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
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: 2 accounts Victoria secret/ComentityBank, which in fact is not my account, i asked for original contract with my signature which they can not provide because they sold the debt, so Victoria no longer owns it, and it is closed with the company they sold it to. I contacted that company and they told me the account is closed and they are not reporting what so ever. I have also disputed for validation, never got that, I disputed it for being in charge off every month which is grounds for deletion itself, but instead they reported charge off once and still sent no validation. Multiple violations in accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 US code 1681e ( b ) and these accounts are in violation.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Comenity Capital Bank and its employee 's are engaging in willful and deliberate bad faith efforts to provide me my rewards in the form of direct deposit to my outside account. On XX/XX/2023 I called customer service to redeem my rewards as direct deposit. ( they only redeem direct deposits by phone ). I was informed there were {$16.00} available but the cs agent insisted that another employee be brought on the call to complete the transaction. The other employee made ( yet another ) " mistake ''. This bank has made a series of " mistakes '' since taking over XXXX XXXX XXXX. In fact, I was just informed on my XXXX statement of a system error that occurred way back in XXXX!!! Nothing but problem after problem since they've had this account. I only received {$5.00} in the form of direct deposit after being assured it would be the full amount ( check the recording Comenity! ) On XXXX XXXX XXXX I once again called customer service to inquire and resolve the problem. I was informed the employee from XX/XX/XXXX noted in the file they made a mistake. So, why wasn't the mistake corrected at that time if it were truly a " mistake ''? Why wasn't I informed of said " mistake ''? On XX/XX/ customer service and their supervisor refused to correct their admitted " mistake ''. When can I expect to receive my money???
Company Response:
State: RI
Zip: 02904
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XX/XX/2021 I noticed a new credit card popped up on my credit report named XXXX XXXX Credit Card. I never gave anyone permission to charge the card. I was speaking with a plastic surgeon coordinator about getting XXXX but then I told her I no longer wanted it once I saw they were willing to do XXXX on me with a XXXX XXXX. Months later I see a charge on the credit card for {$6500.00} that I never authorized. I have been disputing this charge for 2 years but it has yet to be removed. The cosmetics company stated they can only charge a card if I gave them authorization so that I needed to reach out to XXXX. XXXX stated the cosmetic company told them I received a XXXX in there office in XXXX. I have never been to XXXX a day in my life. Both places are placing the blame on each other when I never had XXXX, never agreed to XXXX, never picked a XXXX or date!
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I made the last payment to Bread Financial on XX/XX/2023 for {$45.00}. I was told that the account was closed and in good standing. On XX/XX/2023 I received a letter from Bread confirming the aforementioned. On Friday XX/XX/XXXX, I received a notice from all three credit bureaus stating that the account is still open, there are late fees and as a result, they reported this incorrect and fraudulent information causing my credit score to plummet over XXXX points. The company has been terrible to work with and have not corrected anything.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A