Date Received: 2023-05-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I made XXXX payments of {$5000.00} to my XXXX XXXX XXXX in XXXX of XXXX, however XXXX payment was never credited to my account. The {$5000.00} payment from XXXX XXXX was made on XXXX and never appeared on my XXXX XXXX. I have been trying to rectify this ever since. I submitted a letter dated XXXX, XXXX, from XXXX XXXX detailing the transaction, though this seems to have been ignored by Commenity Bank. Therefor I am also including the bank transactions for the month that shows the missing payment. XXXX XXXX offered to make a XXXX way conference call, but was told by Commenity Bank that " 3rd parties could not be involved. '' never mind that the " 3rd party '' is a Bank, the one that made the payment. I have numerous emails between myself and XXXX XXXX on the subject. I was informed over the phone, at the onset of this problem that the disputed {$5000.00} and any fees or interest would not appear on my statement until after resolution of the matter, and yet said amounts have shown on my statement all along. This has caused real damage to my credit rating and to my good name. Be it known that I have XXXX financial debt of any kind, whether it be this Commenity Account or any other. All vehicles and properties are owned, free and clear of any loans.
Company Response:
State: CA
Zip: 931XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
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: A duplicate charge of {$630.00} from XXXX XXXX XXXX appeared on my XXXX statement with Comenity Capital Bank. I contacted XXXX and they promptly sent an email and screen shot showing I had made one purchase and they had charged my card one time. I called Comenity on XX/XX/XXXX and followed up with a letter, a copy of the email from XXXX and an enlarged view of the screen shot on XX/XX/XXXX. I paid all of the money due on my XXXX statement except the second charge of {$630.00}. I received a form letter from Comenity dated XX/XX/XXXX indicating the investigation had begun. On XX/XX/XXXX ( 90 days later ), {$630.00} was returned to my balance. I contacted Comenity through a message on XX/XX/XXXX and was told the dispute had been closed and a letter dated XX/XX/XXXX sent to my address. No letter arrived. I called multiple times to discover why the dispute was closed. No one could give me any information. I wrote again through a message on XX/XX/XXXX and once again was told that the dispute was closed and a letter dated XX/XX/XXXX sent to my address. I continued to request by message and phone calls throughout XXXX to receive the letter closing the dispute and reasons why this had occurred. No one could provide any help other than to tell me to file a second dispute which I did on XX/XX/XXXX sending with my new letter a copy of my original letter, the email and screen shot from XXXX, a copy of the purchase order, the email informing me the order had been shipped, and the packing slip to prove I had made only one purchase, not two. I received a letter dated XX/XX/XXXX stating the investigation had begun and would require 90 days to complete. On XX/XX/XXXX, I asked to speak to someone in the USA. The representative here told me the dispute has not been closed even though the 90 days were up, no letter had been sent, and, yes, the clock would be reset to 90 days. Also, I was advised to pay at least a portion of the {$630.00} to avoid further issues until the dispute was settled. Since none of this is my fault, since I have paid all that I owe, since I have repeatedly been lied to and misled, I have declined to pay the statement that will be due on XX/XX/XXXX.
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been receiving calls multiple times a day by Comenity Bank, despite the fact that I owe no debt to them and have tried to be removed from their call list. I get calls at all times of the day on a regular basis and they will not stop.
Company Response:
State: OK
Zip: 74112
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
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: Subject : Complaint against Comenity Bank Dear Sir/Madam , I am writing to file a formal complaint against Comenity Bank regarding a billing dispute and credit report inaccuracies. Despite my repeated attempts to resolve the issue directly with the bank, I have not received a satisfactory resolution. I kindly request your intervention to address this matter promptly and ensure that appropriate actions are taken. On XX/XX/XXXX, I was enrolled in a 12-month hardship plan with Comenity Bank due to my job loss. This plan was supposed to continue until XX/XX/XXXX, providing me with financial relief during a challenging period. However, without any prior notification, the bank canceled my hardship plan while automatic withdrawals continued to be debited from my checking account. I have diligently communicated with Comenity Bank on more than 20 occasions to rectify this issue. However, my efforts have been in vain. The bank 's recent change to its billing system has resulted in discrepancies in payment reporting. Specifically, my payments for the majority of XXXX & XXXX were inaccurately reported as late on my credit report. This erroneous reporting has significantly impacted my credit score and caused severe difficulties in securing housing, purchasing a vehicle, and obtaining approval for rental homes. Moreover, Comenity Bank reduced the credit limits on my accounts without proper justification. My New York and Company account balance was decreased from {$250.00} to {$100.00}, and my Express account balance was reduced from {$500.00} to {$400.00}. This further exacerbated the negative impact on my credit score and financial stability. Despite speaking with numerous representatives, it was only on XX/XX/XXXX, that I received assistance from XXXX, who informed me that my payments were inexplicably deleted from the system. She suggested that I send a formal complaint to their office to address the billing disputes. Therefore, I kindly request the following actions be taken : 1. Investigate the billing dispute and credit report inaccuracies associated with my Comenity Bank accounts. 2. Ensure that my payments made during the hardship plan are properly posted to my accounts and accurately reported to XXXX, XXXX, and XXXX. 3. Rectify the reduced credit limits on my Express and New York and Company accounts, reinstating them to their original amounts of {$500.00} and {$250.00}, respectively. 4. Enforce appropriate measures to prevent such billing system errors from occurring in the future and ensure customers are notified of any changes to their payment plans. 5. Provide me with a written response outlining the actions taken to resolve this matter within 30 days of receiving this complaint. I appreciate your attention to this serious matter and the impact it has had on my financial well-being. I trust that the Consumer Financial Protection Bureau will take the necessary steps to investigate this complaint thoroughly and assist in achieving a fair resolution. Thank you for your prompt attention to this matter. I look forward to a swift resolution and your assistance in restoring my financial stability. Sincerely, XXXX XXXX RE : Express Account ending : XXXX Victoria 's Secret Account ending in XXXX XXXX XXXX Account ending in XXXX NY & Company Account ending in XXXX
Company Response:
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have an hard inquiry I don't recognize from Comenitycapital/Biglots credit. XXXX XXXX.
Company Response:
State: FL
Zip: 32822
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A new credit inquiry that I didnt apply for and a change of address that I didnt make
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: No answer to phone call
Company Response:
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/2022 Payment received by BJ 's didn't credit account {$190.00} XX/XX/2022 Payment received by BJ 's didn't credit account {$260.00} XX/XX/2022 Payment received by BJ 's didn't credit account {$250.00} Complaints submitted to Consumer Financial Protection Bureau : # XXXX BJ 's sent correspondence stating they would refund me but they did not.
Company Response:
State: RI
Zip: 02905
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Lord have mercy. I do not know where to begin with this horrible company that has been negatively affecting my credit report and costing me XXXX XXXX XXXX in interest. I had settled my debt with Victoria Secret through a debt collection company named XXXX XXXX XXXX back in XX/XX/2020. I paid this debt collector {$260.00} and the Plan ID # also known as the confirmation number is : XXXX. I called XXXX XXXX XXXX and spoke with an associate by the name of XXXX XXXX. I informed him that I have made an agreement with XXXX XXXX XXXX stating that I would pay the debt of {$260.00} in order for them to delete and remove the account completely off of my credit report. He informed me that he is UNSURE why said account is still showing on my credit reports because the company requested a deletion from the 3 credit bureaus back on XX/XX/2020 and he also informed me that their department which settles debts asked the 3 major credit bureaus to remove said trade line from my credit reports. This company is hurting my credit profile, I already paid the alleged debt that was owed why are they still trying to destroy my credit profile? I would like this company removed and deleted from my 3 credit reports IMMEDIATELY as they are NEGATIVELY affecting my credit score. I would also like to add that these companies have violated my rights under the FCRA, 15 U.S. Code 1681s2 states A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.This is a clear violation AS THE LAW SAYS. I have attached a copy of this inaccuracy from the 3 credit bureaus and am seeking Montery relief from all companies involved with this violation. I have sent the 3 credit bureaus A LOT of letters stating this inaccuracy and all they have done was further violate my rights by updating this alleged debt and not fully investigating as they should have.
Company Response:
State: RI
Zip: 02816
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A