Date Received: 2023-04-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Good day. I reported to Comenity Bank ( Bread Financial ) on Tuesday, XX/XX/2023, XXXX XXXX that I noticed a FRAUDULENT CHARGE in the amount of {$130.00} dated XX/XX/2023 on my Arhaus Account. I contacted Arhaus Customer Service and was provided with the attached Lifetime Sales Report, wherein I made no such transaction. I had not been in the store on shopping online because I was recovering from two XXXX The Arhaus representative was surprised that Comenity directed me to contact them about a fraudulent charge. I have been repeatedly sending Comenity message and they have provided the following response with no action. Response : " Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. See the back of your statement for more information. We appreciate your patience. '' Kindly assist and see the attached.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
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 submitted a complaint to Comenity Bank/Victoria Secret regarding two ( 2 ) late payments reported on my consumer credit bureaus '. I contacted them on XX/XX/XXXX to file a hospitalization/disability claim and was redirected to the insurance provider XXXX XXXX. I submitted my claim and XXXX XXXX made the first payment on XX/XX/XXXX. Comenity Bank is, and continues to report my account delinquent as of XX/XX/XXXX. This is an error between the Comenity Bank and XXXX XXXX as there was no delay in payment on my part, so these late payments should be deleted. XXXX XXXX is reporting that they made the first payment on XX/XX/XXXX, subsequent payments on XX/XX/XXXX and a final payment on XX/XX/XXXX. I have since received proof of these payments from XXXX XXXX and have attached for your review.
Company Response:
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX XXXX XXXX phone XXXX Fax XXXX This people froze my XXXX XXXX acount for XXXX dollars that it was for my rent, and are asking for my bank information to take money out of my account for a credit card with Victoria Secret that is from 8 years almost nine years ago, they got, I tried to see if I can talk to them and I was told to fill out some paperwork and when I saw it it was they asking for my bank information my car information etc, I am not feeling comfortable with this and besides that credit is so old now it should be out of my record, please help, I need advice about how to handle this situation, thanks, my number is XXXX email XXXX XXXX
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
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: I opened a XXXX XXXX XXXX credit card at the store in order to make a tire purchase on XX/XX/XXXX. The agreement was a promotional 6 months 0 % interest thru Comenity Capital Bank. In XX/XX/XXXX Comenity immediately started charging me interest @ 25 % +. I contacted Comenity bank in writing in XX/XX/XXXX and received a confirmation of the dispute in writing dated XX/XX/XXXX. Comenity claims they can take up to 90 days to resolve a dispute. I went ahead and paid of the total charge ( the only charge ) made to this card totaling {$1100.00}, on XXXX XX/XX/XXXX. Since then Comenity continues to charge me interest, late fees, and send me statements. I called in XX/XX/XXXX for a resolution, no resolution. I called in XX/XX/XXXX, no resolution. I called on XX/XX/XXXX and no resolution was reached, instead the service person opened a new dispute dated XXXX XX/XX/XXXX. Now Comenity is claiming they are missing the original dispute from XXXX XXXX in XXXX I was able to " close this account '', however Comenity refuses to stop the late fees and interest accumulation. Now I, my family, and my acquaintances are getting collections calls from their collection division, and it is having a negative impact on my credit reports. There is no way to call their dispute division directly, multiple customer service persons have " sent them an e-mail '' and I have heard nothing. This is abusive! We are now 7 months hence from the original dispute, I have no one I can call, and no one will call me back. I am just watching me credit score drip downwards unless I pay them, currently, {$220.00} ( XXXX % of the original purchase price ). This is criminal abuse of customers! I have lost countless hours of time trying to resolve this credit card agreement, and there is no end in sight.
Company Response:
State: OK
Zip: 73703
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was told documents were verified. Ive asked several times see to proof of my sign signature on documents.
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2023-05-31
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: Account status incorrect
Consumer Complaint: Comenity Bank - Lane Bryant falsely reported that I was 60 days late with an account payment in XX/XX/XXXX. The account was paid off in XX/XX/XXXX. I have submitted 3 claims with XXXX at which point they said to contact creditor which is Commenity Bank. I have contacted Comenity Bank numerous times to 1 ) make sure they report a XXXX balance as of XX/XX/XXXX and 2 ) remove the derogatory payment status. Ive contacted them several times in XXXX XXXX XXXX XXXX XXXX and they keep giving me the run around in regards to the proper and effective procedures on how to contact them to initiate the process for them to remove the derogatory status. First they say they can take the request via phone, 1 month later they story changes to I need to file via their secure message center, now its I need to submit a letter in writing to request that they remove the late payment status. I have been following up with this creditor since XXXX of XXXX to ensure my account is order. Ive been a customer since XXXX but they are not being supportive in the process of removing the delinquent payment. Please help my credit score dropped XXXX points bc of this.
Company Response:
State: IL
Zip: 60148
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: This is the 2nd complaint that I am having to issue through The Consumer Financial Bureau. Comenity Bank issued me a rewards points refund check # XXXX on XX/XX/2023 in the amount of {$110.00}. I deposited the check into my bank and the check did not clear their bank. I also have a {$640.00} credit on my account from an overpayment with them that I would like returned as well.
Company Response:
State: CO
Zip: 810XX
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: in XXXX i tried to buy a house. the XXXX XXXXXXXX ran my credit and there were three pending accounts that were not paid. one with XXXX XXXX, second with XXXX XXXX, and the last one with Comenity Bank. the first two accounts were dropped because the loans were in XXXX, and XXXX. I contacted Comenity bank and mentioned about the identity theft, and they responded that I had " benefits from the purchases ''!! Comenity bank sold the debt to XXXX XXXX XXXX, and now they are suing me for the account i never opened or had any idea of existing. i would like this allegation to be deleted from my credit report immediately.
Company Response:
State: CA
Zip: 90650
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I never received a product or bill statements. Spoke with company and they started they would look into it i sent over all information i have to prove i never received the product, they told me they would place my account on hold and give me a follow up call or mail/email. A week later i started getting calls from a collections agency and also a voicemail stating if i didnt call back they had no other choice but to escalate the situation and also brought up and attorney Im guessing to scare me that i would be sued. I called them and they advised the company denied my request to look into my missing product. I am paying for a product i never received and i am still getting calls!
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: The companies keep calling before XXXX and after XXXX. I have let them know that the debts are not mine but they call over 20 times a day and threatening me.
Company Response:
State: MS
Zip: 39206
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A