Date Received: 2023-06-11
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I am a XXXX worker and due to mental stress and strain I became overwhelmed in my position during the summer of XXXX. I met with my manager on different forms of therapy and counseling that were open to me which eventually lead to me having to leave my position. I still had a family to care for so I contacted another XXXX XXXX for a position. As i started working there issues with race and bullying became an issue and after a month I lost my income due to a hostile environment and racism ; this was XX/XX/XXXX. It turned out the effects of my employment, diet, and stress of not being able to provide for my family took a toll on my body and I became very ill with XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, and XXXXXXXX XXXX. I contacted all of my creditors because I wanted my credit to remain at least fair during this time. I was told by them all, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX that they would work with me and asked what i could pay, they updated my accounts on my condition or so I was told. I tried the minimal but I didn't have enough income coming in. There was no XXXX or holiday season for me or my family but we were happy I was still alive. I contacted them all once again in XX/XX/XXXX and was told my accounts would be on something like a forbearance hold until I could pay and not report my accounts until I could get back on my feet, I was told they would update my accounts. Three creditors asked how long it would be before i could pay again and I gave an estimated 3 to 4 months because I lost my health insurance and had to find a provider that would take Medicaid to help with my conditions and possible procedures needed. I changed my eating habits/diet, excercised, and lost 20 lbs. within 2 months. I continued to communicate with my creditors and even applied for unemployment but it was only enough to barely pay my rent. I applied for TANF/General Assitance and EBT for food but was denied because I wasnt employed. I eventually found a provider an hour away which was good but my XXXX XXXX was only able to be performed a month out in XXXX on the XXXX in XXXX. I was patient. God was still providing. I looked for new employment positions because I was falling far behind and I had a student graduating and going to college that I had to prepare for. I found the position which was XXXX over minimum wage at XXXX XXXX, a block away from my home, and started a week after my XXXX XXXX on XX/XX/XXXX in training with less than 30 hours.I was supposed to go slow ; I wasn't pulling or moving much and I had stents in my sides but I needed the funds. I contacted my creditors to update them on my employment but found out it was too late for some by this time, they had reported my accounts at least 30 days past due and closed them after they told me they wouldn't. I have no idea how to get my credit repaired or pay bills. I'm constantly getting calls from collection agencies but don't give my information. XXXX XXXX worked with me and started a payment plan for XX/XX/XXXX with no interest or fees. That gave me hope but my credit is now shot. I am not finacially stable with this new position but I could've made payments and at least wanted to get back on my feet to good credit and health. Please can you help? I just found out about Consumer Finance.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I opened a credit card with Victoria secrets which is now known as Bread Financial. I've had my card for well over a year. I've made on time payments except for one in the very beginning of having my card. So even though I made all on time payments from the one time the decreased my limit right after I paid my card in full. Made contact was told my credit score wasn't good enough, but I explained doesn't my on time payments count? They told me nope try and ask for an increase after making on time payments. Which made no sense considering I was already doing that and I was penalized for it. Then after that kept my card with the smaller limit figured ok I just stay making on time payments I should be able to ask for an increase. Instead I pay my card off again XX/XX/23 for them to close my account because of score wasn't good enough again. Yet I'm not missing any payments and I make all my payments on time. I feel this is completely injust and not right at all. Something has got to be done about this .my advance stay far away from bread financial they reward loyal customers with decreases and then closing ur account. They cause more problems then good.
Company Response:
State: AL
Zip: 358XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Hello! I opened a XXXX XXXX credit card in XX/XX/2022. I always strive to make my bill payments on time, but a few weeks later, I suffered a reduction in my income as my work week was cut to 4 days involuntarily. Without fault, I fell behind on the payments of the card. Then, on a span of almost one month, Comenity Bank started calling me non stop, regarding the credit card debt, even when I was at work. I counted a total of 214 harassing debt collection calls from different numbers including private ones, including several calls made after I reached out to them to work out a solution to the problem, and the attempt was unsuccessful, causing me emotional distress. I sent two different letters to Comenity, and I enclose a second one I sent, so far I have not heard anything from them at this time.
Company Response:
State: NC
Zip: 28630
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I keep getting several phone calls during the work day, when I'm unavailable, but it's once an hour it seems for the past few days asking for a payment when my payment was just made for last month and my next payment isn't due until XX/XX/XXXX, it's XX/XX/XXXX. I'm in good standing and I'm getting irritated by the amount of calls which I'm unable to block since they call from 20 different numbers.
Company Response:
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: A company, caller ID and the representative I spoke to says Comenity Bank, continues to try and call my phone number. They are reportedly looking for someone else, I have told them several times that I am not who they are looking for but since I got this new number they have called 15-20 times a day on several different numbers including blocked numbers. I have blocked several of their numbers after telling them the person theyre looking for no longer has this number and they continue to call. Anywhere from XXXX until XXXX. Today alone I have 15 missed calls from them. I am sick of having to tell them over and over to stop calling because I am not who theyre looking for.
Company Response:
State: VT
Zip: 056XX
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity bank calls me no less than 10 times daily, including between XXXX XXXX and XXXX XXXX when I have told them not to call. I work from home at these hours. It is the same woman and I've told her repeatedly not to call me. I block the numbers that call me and she just gets a new number or misrepresents her identity.
Company Response:
State: AZ
Zip: 85020
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XX/XX/2023 time XXXX XXXX XXXX XXXX XXXX XXXX, I repeatedly told them that I already made the makeup payment to make them whole. And to stop calling me all times of the day. I also want them to be formal, since that this is a business type setting. If I owe them money and we're talking about money, I want them to use my surname not my first name. First names are friends and people we do not have any disagreements with.
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: At the beginning of XX/XX/XXXX, I received a notification through XXXX XXXX that Comenity Capital Bank ( Zales ) had closed the credit card I have had with them since XXXX. I have always paid Zales on time, in full, most of the time even early and currently had a {$0.00} balance with them. Due to this closure, it dropped my credit score by XXXX points. I had not received any notification by mail indicating my account would be closed. I contacted Comenity on XX/XX/XXXX, and they stated the reason for the closure was due to inactivity. The address they had on file for me is the address my mom still resides at, and she has not received anything from them. I was told they only send the notices through mail. I asked what date the notice was sent, and they only gave me a range of when it " could have been sent. '' The representative said the notice was " likely sent in XXXX or XXXX, '' but again could not tell me an actual date. I asked if my account could be reopened and they stated I would need to apply again. I asked if that would be a hard or soft inquiry and she said she could not tell me that, and that I would have to contact the credit bureau to know what type of inquiry it is. I let her know she should be able to tell me BEFORE I apply whether it is a soft or hard inquiry, as if she's unable to do that, it does feel misleading. The only way the credit bureau would be able to tell me whether it was a soft or hard inquiry is if the inquiry has already happened, and by that point the damage is already done to my credit report. I filed a complaint with their department but I have not had anyone reach out since.
Company Response:
State: TN
Zip: 37066
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I purchased a XXXX XXXX XXXX with my Jared credit card abs return the bracelet within the thirty days. Represenatives from Jared informs me that all charges are returned.. to include a {$300.00} dollar payment i made. After returning the item Comenity Bank charges me for insurance on a bracelet that is returned. They have been adding interest on the charges as well. I repeat i returned the bracelet and recieved a {$300.00} refund. All of this appears to violate Federal Trade Commison Guidelines on purchasing goods abs services in America. To wrongfully charge me for a good or service that is not needed or purchased. I called Comenity bank and canceled the Assurance coverage. I was lied to abs told it will remove the charges and it runs out that was a lie. I'm being told i have a payment due for XX/XX/2023. The attached photo and recorded phone calls have been obtained as of XX/XX/2023.
Company Response:
State: TX
Zip: 79924
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A