Date Received: 2023-05-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Comenity Bank is the credit provider for the XXXX store card. XXXX went out of business and I have not been able to payoff the account. I have tried to contact XXXX at the phone number XXXX, regarding account number XXXX. This account was sent to XXXX XXXX XXXX, phone number XXXX. I have left several messages since XX/XX/2023, for them to call me back. No one has returned my call. Comenity is also the credit provider for my Victoria Secret account XXXX. I have tried to contact this company at XXXX to resolve this credit issue. This account has also been sent to XXXX XXXX XXXX. I have left messages, again since XX/XX/2023, for this company to return my call in order to resolve this delinquency. I have not received any calls to resolve this account. I have tried to reach Comenity for my account with Justice XXXX at the phone number XXXX. This account was sent to XXXX XXXX XXXX, phone number XXXX for collections. I have tried to contact this company several times, to only be given the option of leaving a message. No one has returned my call. I am trying to repair my credit, so I may achieve my financial goals and benefit from lower interest rates. I can not get any information on these accounts in order to resolve them. The continued delinquency reporting is hurting my credit. I need help getting these accounts resolved.
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The Bank and the credit report agencies are INACCURATELY REPORTING the following account : COMENITYCAPITALBANK/ULTA # XXXX XXXX XXXX XXXX XXXX, OH XXXX, they have not conducted any investigation on this matter and claim it belongs to me without giving any proof of that, because it does not belong to me. I have sent several request to resolve this to the Bank and the credit bureaus but they are still reporting the account as mine and hurting my credit and creating emotional distress because that situation because Negligent actions. I want to see this IMMEDIATELY DELETED FROM MY CREDIT REPORTS
Company Response:
State: FL
Zip: 33178
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX is reporting missed payments in XXXX and XX/XX/2021. I was sick and in the hospital with XXXX and fighting medical issues that has led me to be XXXX percent XXXX as shown by the attached documents. I suffered identity theft during that time and perhaps a payment card was affected and that could have caused a payment processing issues. I never had an issue paying and have completely paid off this account easily with a XXXX dollar payment before you all decided to close it without my consent. Please check my XXXX XXXX and see that I qualify for this card. I loved shopping at your store online, and would like to continue doing business. Please have some compassion on me and delete this late payments as they are not mine and occurred as a result of technical issues beyond my control. I was incapacitated at the time and addressed the technical situation with my bank after I became aware of and issue.Please escalate this to a manager who could grant this request if needed. It would be a great help for me. I am so exhausted and my health if deeply affected by the stress of trying to get this resolved.
Company Response:
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I had one Promotional Transfer on my account that I initiated on XX/XX/XXXX for 0 % that expired on XX/XX/XXXX. I made a payment of {$1900.00} on XX/XX/XXXX which was the sum of my minimum balance and the remaining promotional balance owed at that time. I was told I needed to wait for the payment to fully post to my account before calling in to Customer Service to get that amount appropriately allocated. I complied and waited until XX/XX/XXXX to call back and get the correct amount applied, which was {$1600.00} shown on my XXXX statement. On XX/XX/XXXX the amount of {$1600.00} was put on my account as a Balance Transfer. That is six days after paying off that exact amount from my Promotional Transfer originating on XX/XX/XXXX. On XX/XX/XXXX a payment on my credit card statement shows for {$1600.00}. Then another Balance Transfer of {$1600.00} was put on my account on XX/XX/XXXX. I did not initiate these transactions. I called on XX/XX/XXXX to rectify and a dispute was put in by the representative over the phone. I continually checked my statements from then on. I called again on XX/XX/XXXX because I saw that nothing was resolved on my statements. I was told by that representative that all disputes are handled by paper mail and they take 90 days to resolve. I was diligent and waited over 90 days and received their XX/XX/XXXX dated notice on XX/XX/XXXX. The notice was not in my favor saying that my account was correct as it is. I called in on XX/XX/XXXX to further dispute these transactions. Spoke to a representative that got in touch with a few of her superiors. She was able to tell me that during the time of the transfers of {$1600.00} in XX/XX/XXXX and XX/XX/XXXX, there were no promotional offers available from the company. A second dispute was put in over the phone and I was advised to put in a secure message through the company 's credit card website. I put a secure message into the Company 's website on XX/XX/XXXX. On the same day, I also mailed in correspondence of the credit card and bank statements that need to be reviewed in relation to actual payments I made myself. I am writing to say that my account has been inaccurately handled from the moment I paid off that balance on XX/XX/XXXX. Here is the timeline according to my statements : XX/XX/XXXX : paid {$1900.00} = Minimum due + Promotional Balance XX/XX/XXXX : Called in to allocate {$1600.00} to remaining Promotional Balance XX/XX/XXXX : {$1600.00} Promotional Balance Transfer added onto my account XX/XX/XXXX : Monthly Payment of {$200.00} XX/XX/XXXX : {$1600.00} paid XX/XX/XXXX : {$1600.00} Promotional Balance Transfer added onto my account XX/XX/XXXX : {$15.00} Balance Transfer Interest XX/XX/XXXX : {$24.00} Balance Transfer Interest XX/XX/XXXX : {$26.00} Balance Transfer Interest XX/XX/XXXX : {$26.00} Balance Transfer Interest XX/XX/XXXX : {$26.00} Balance Transfer Interest The Original Transfer that I paid off on XX/XX/XXXX was not resolved and is still on my account with NONE in the place of an expiration for the plan. The remaining balance on that is {$1500.00} and is seemingly accruing interest. There is a second Promotional Transfer of {$1600.00} that says it was initiated on XX/XX/XXXX also with NONE in the place of expiration for the plan with a remaining balance of {$3000.00}. On XX/XX/XXXX {$1600.00} was added to this Promotional Plan to create a New Plan Balance of {$3200.00} as reflected on my XXXX Statement. All of these Transfers have not been initiated by me. All while the balances continue to accrue interest and my monthly payments have been partially directed towards each balance.
Company Response:
State: CT
Zip: 06042
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I opened up an account with Alphaeon credit and did not have issues until recently and noticed notifications on my payments being past due. My first months I made by manually paying and then called to set up auto payments. It wasnt until I set up auto payments that I began to see late payment notifications. I called the company a month ago ( XXXX ) to fix this and was told not to worry as I was now set up for automatic payments. Today ( XX/XX/XXXX ) I received a past due email notification and was told over the phone I am not set up for automatic payments. This miscommunication has been ongoing for months and now has tanked my credit score.
Company Response:
State: CA
Zip: 90059
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
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: There are XXXX charged-off accounts being reported on my credit report for three different retail stores, all financed by the same bank ( Comenity Bank ) XXXX I've sent several written letters, most recently on XX/XX/2023, asking that the charged off accounts be deleted entirely from my Credit Report. As detailed by the IRS via www.irs.gov- a creditor files a form 1099c ( Cancellation of Debt ) when they charge off a debt greater than {$600.00}. When debt is written off by a creditor, the form 1099c classifies the written off debt as taxable income of the debtor. Thus, these charged off accounts have been added to my taxable income and I have paid taxes on said income. As a result, the XXXX charged off accounts on my credit report must be deleted entirely, as they are inaccurately reporting these accounts on my consumer report. I have written to Comenity Bank asking that they provide me with a copy of the 1099c forms for each charge off on my credit report, so that I can forward it to the three Credit Bureaus as proof of the written off amounts being taxable income and I have forwarded the corresponding information to XXXX, XXXX and XXXX, to no avail. I have followed up in writing to the XXXX Credit Bureaus and the continue to update it as accurate. My consumer rights are being violated, as they are inaccurately reporting information on my consumer report. After Comenity Bank recently received my complaint in this regard, the inaccurately reported the information as valid, failed to remove the charged off accounts from my credit report, and decreased my spending limit on an open card that I have with them, causing my consumer report score to drop further, in retaliation for my complaint regarding the inaccuracies. They are predatory and need to be held accountable for these disgusting practices.
Company Response:
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: You are in direct violation of The Fair Credit Reporting Act and are in violation of my rights. ( Lane Bryant/Bread Financial ( old name Comenity ) credit card account # : XXXX ) 15 U.S.C. 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C. 1681 section 604 A.section 2, Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose Please remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting act
Company Response:
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
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: On XX/XX/XXXX I locked my Commenity XXXX Visa Credit Card. On the lock setting for the card they asked if whether I would allow recurring charges to be taken out of my account. I selected " No '' on this with the clear understanding this would stop as they stated on their site any monthly subscriptions or bills. 4 recurring charges were then taken out of my account still. I called them and they said that there was nothing they could do but put in a dispute for fraud but the issue would be their site fraudulently told me that recurring charges would be blocked on subscription services. So now I am in the hands of their internal fraud team investigating fraud they themselves did.
Company Response:
State: NE
Zip: 68134
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I receive calls from Commenity Bank in regards to XXXX XXXX XXXX XXXX credit card. At this time I am in a financial hardship which I have let them know however they constantly call XXXX times a day sometimes back to back. This morning ( XX/XX/XXXX ) at XXXX I answered the call and let them know I would be getting a lawyer involved and to please stop contacting me. At XXXX they again called back and previously at XXXX one that I did not answer. Yesterday XX/XX/XXXX they called XXXX times and before that on Sunday XX/XX/XXXX 4 times in one day, XXXX, XXXX, XXXX and XXXX. This has been happening for several weeks and I know the laws, they are not allowed to call more than XXXX times in a XXXX day period. There was one day XX/XX/XXXXXXXX that they called at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. That in one day is XXXX times, which is over the XXXX times in a XXXX day period. This is beyond rediculous as I work several jobs and have children to tend to. I have all phone records to prove they are harrassing me on a daily basis by constantly calling.
Company Response:
State: NC
Zip: 27127
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid off collection and am being told that they wont report to credit until 45 days
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A