Date Received: 2023-04-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Late payment reported XX/XX/2023 XXXX XXXX XXXX XXXX account
Company Response:
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: after receiving the catherine 's credit card, I tried making a purchase, with the help of a customer service rep, discount codes weren't working, agent, then stated the orders had to be cancelled, and restarted, however, now that order appears to linger in my account, therefore, I have made several attempt to call customer service, to see if issue has been resolved, and for the entire months of XXXX and XXXX, I have only been getting the runaround, as to pending transactions. For instance today I call the number on the back of my credit card comenity bank, the automated service provides that I have my full XXXX available open to buy. So I proceed with an order online, after clicking on confirm checkout, there pops up a warning, that there's an issue and that my order can not be placed, contactact comenity bank to resolve the issue. Catherines customer service always referr me to comenity bank, because tyhey do not have access to the tools to fix the issue. Todays issue was the wesite doubled my order, but online only indicates the one, that I haven't even processed yet. I feel my catherines credit card needs to be closed and my information needs to be protected, from whatever is going here illegally.
Company Response:
State: TN
Zip: 37615
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I Disputed the accuracy of this account with credit bureaus multiple times to no help this account was placed in collections on XX/XX/XXXX it has been well past 7yrs account should have been removed from credit report account was updated in XXXX to reage the account which agency is illegal also reported a payment was made in XXXX of XXXX payment was never made please delete from credit report by default to accurately report item.
Company Response:
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I attended a timeshare presentation with XXXX XXXX on XX/XX/2023. I ended up purchasing the timeshare but declined their offer for credit on 2 occasions - once during the initial pitch and again while signing the contract. On XX/XX/2023 I received a letter dated XX/XX/2023 from Comenity Capital Bank stating a credit account account has been opened in my name. I contact both XXXX XXXX and Comenity Bank regarding the fraudulent opening of this credit account in my name.
Company Response:
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with then Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also stated a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I attempt to submit a dispute advising account does not belong to me to and account came back as accurate. Not sure what type of investigating they say were complete but im sure it was not done accurately. Actually alot of these disputes are not even investigated!
Company Response:
State: TX
Zip: 77087
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: LETTER TO COMENITY ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ) -- written XX/XX/XXXX : Re : ( Every-changing ) Late Fee Cut Off Times To Whom It May Concern : I am writing you today to express my frustration with your cut-off time policies and web site login pages. My life pre-covid, was also financially strained, and during that time, I was deeply grateful for the credit that you had accorded me through your brands XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I worked to try and cover those payments without late fees as best I could. I am a single mom with full custody. Before the lockdowns, I already had a lot to juggle, and would always find myself, late in the evening, during a few moments of calm and silence, sitting down to pay bills. This is always a last minute thing as gig work doesnt usually receive a set salary on a set date. With the XXXX lockdowns I found myself navigating more than ever before, with the kids remote learning or on awkward learning schedules, my own work schedule destroyed, clients not paying, many things falling through or being on hold, my unemployment benefits inexplicably rescinded ( still working through that ). During this time, I still found my evening time to see how much I could pull together to pay bills. That is when your company began what feels like an insidious campaign to crush debtors with late fees with your constantly changing cutoff times. I believe when I received my first cards with you, the time was XXXX. From there XXXX, then during the pandemic when Ive had less time than ever before, it became XXXX, and now XXXX? And for what reason? In a 24h world of moving money online, what could possibly be the explanation of changing your cut-off times ( OR EVEN HAVING THEM )? Not to mention that your apps have zero payment integration, and when redirected to another site, the loading and waiting is heavy and long. Or the fact that I cant receive any text/email reminders about payment due. Of course, I wish I could single handedly organize everything in my life, so that my expense account could easily accommodate my various payments, and that I could pay them a week or two in advance, as any good card holder should. But then, if that were the case, I probably wouldnt actually use or even need any credit cards, right? So now, to my horror, a simple XXXX XXXX transaction of {$69.00} has incurred over {$130.00} in late charges. If you were to check my login times, sometimes its a matter of seconds after the cut-off time. And this is what is most painful for me. Certainly if I simply forgot, or just dont have the money, sure, I deserve the late fee ( yet one so egregiously high -- I don't think so ). But attempting to pay, and missing the time, because I needed to pull over, my internet is being too slow ( like today, when your took XXXX minutes to load ), etc. is excruciating. I havent used my XXXX XXXX card since this summer, and hope to never use it again. Regarding the online logins : not only is my account *never* found on the date that the bill is due -- even after answering security questions -- my name has been changed to all caps. This tactic feels as though it is a conscious effort to make me late, as I have to wait for a confirmation email and set up the login all over again. All three accounts I have with you behave exactly the same. The fact that I can't even pay my card on the store app simply blows my mind.
Company Response:
State: OH
Zip: 44240
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have never done business with Comenity Bank and an account has gone on my credit report from Comenity Bank in collections.
Company Response:
State: TX
Zip: 77086
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid {$1000.00}, check # XXXX, dated XXXX. This check cleared my bank XX/XX/XXXX. I became aware the payment had not been credited in late XX/XX/XXXX when they declined a purchase. I called to try to resolve the missing payment. They sent me a letter dated XX/XX/XXXX stating they were researching the missing payment and to allow up to 90 days to complete their investigation. I called XXXX and spoke with XXXX, she was not able to assist me until my husband authorized me to speak about this account. I called back with my husband on XXXX My husband gave permanent permission for me to communicate with the bank on this account. We/I spoke with XXXX. She told me to submit a copy of the cancelled check on the website. Their webpage to submit documents popped up " page not available ''. I mailed a copy of the canceled check with a copy of their letter dated XX/XX/XXXX to XXXX XXXX XXXX, XXXX, OH XXXX ( the address on the letter ). On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, stating they received and credited my XX/XX/XXXX payment. This is NOT the payment they did not credit to my account. I checked the website. The missing {$1000.00} has not been credited to my account. I have spent 5 months trying to resolve a missing payment that I made 7 months ago. I expect them to credit the missing payment and the interest charged for the 7 months they had the payment and did not credit it.
Company Response:
State: CA
Zip: 91741
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I had a credit card with XXXX which was with Comenity Bank which I closed and was paying on the balance. The account was closed in XX/XX/XXXX. At some point it switch to Bread Financial, with no notice to me. Bread Fianancial decided to open the credit card account back up without my permission. I had absolutely no knowledge. I paid the balance in full in XX/XX/XXXX and never heard anything from them. Now in XXXX they send me a bill of {$47.00} and charging me money when the account was paid in full. It appears that at some point during the transfer they have done this to many customers and are now charging them. I tried to talk with their rude and unprofessional customer service but they only want to continue to charge me.This account was closed by me and I did not authorize for them to open it up. I had no idea that they even exist since no notice was ever sent to me.
Company Response:
State: NJ
Zip: 07103
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A