Date Received: 2023-03-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On the evening of XXXX XX/XX/2023 I received a credit card statement in the US mail from XXXX/Comenity Bank stating I owe them {$1000.00} for a purchase made on XX/XX/2023 at XXXX XXXX XXXX XXXX XXXX, NC. I live in XXXX XXXX, MD. I do not have nor have I ever applied for a credit card from XXXX and I've never been to XXXX, NC. I've reported this fraudulent incident to XXXX, Comenity Bank, and all three credit reporting bureaus. The incident is currently under investigation with Comenity Bank ( the credit issuer ). I have also filed a report with the XXXX XXXX Department ( report # XXXX ). In the report I asked the PD to please contact the XXXX store in XXXX XXXX to ascertain who made the transaction on XX/XX/2023 for {$1000.00} via a credit card under my name.
Company Response:
State: MD
Zip: 21042
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The inquiries on my credit report auras are XXXX XXXX XXXX XXXX XXXX XXXX did not unauthorized report
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/23 & XX/XX/23, I formally requested verification of two said late payments from Victoria Secret that are incorrectly reporting, & verification of alleged collections on my report from XXXX XXXX, & XXXX XXXX. None of these 3 companies provided proof of late payments or proof of validation for alleged collections, nor did they send a follow up on their investigation for either request. Due to failure and compliance with my request for investigation, I demand for these items to be removed as I have been more than patient regarding investigation processes and times.
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I was enticed to sign up for the XXXX XXXX because their website advertises that if approved, you can use the card same day either online or in store and get a 25 % discount on your purchase. 25 % off your first card purchase at XXXX today is at the top of list of benefits. So I applied and was approved instantly and given a {$4000.00} credit limit. A temporary digital card was added to my online wallet, and the website automatically set it as my default payment type. However, their system will not allow me to complete my purchase. It throws an error code that something is wrong with the card. After many multiple calls, online chat and even a store visit, a supervisor at the bank provider for XXXX credit card told me that the temporary card can not be used on the brand of product I am trying to buy. They told me to wait for the physical card. I went back and read the full disclaimer on the website ( https : //www.sephora.com/creditcard ) and there is nothing stating that the instant credit/temporary card would not be able to be used on certain brands, or otherwise. I feel that I have been misled by XXXX and baited to apply for their credit card under misleading pretenses. I could have purchased the product I want from multiple other stores, but I purposely close XXXX because of this credit card claim. Now I have to wait for the physical card to come in the mailthis was not stated on their website and had I known, I would have not applied for the card. I would have purchased the product elsewhere. I feel XXXX should be held accountable for misleading marketing about the ability to use the card immediately. It is not true in some scenarios, and they are baiting consumers.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I originally opened this account in XXXX of XXXX and never received the first billing statement so when I did it was already past my due date so I called them to talk about the issue and I sent them a check for the full amount with a late fee. I paid through XXXX XXXX Bill Pay on XX/XX/XXXX and Ulta Comenity on XXXX but when I spoke to them around XX/XX/XXXX to see if they got the check they told me NO and to place a stop pay on the check which I did and after I did that they deposited the check and when I called them they told me they had the check since XXXX. So they would credit me the XXXX late fee and it would show a credit but the statement obviously got all reversed again because my bank wouldn't clear the check so now there's another new late fee causing my bill to go to XXXX due to Ulta, Comenity telling me the check was lost. So I then paid in full the new amount just to be done. There have been no new charges since the first charge of about XXXX roughly. They are applying the checks after the due date and admitted to having the check on XXXX which the bill was not due until the XXXX of them month. I should have a XXXX balance now but last month there was a XXXX cent charge from interest from the late fees they should have removed but never did. I called again in XXXX saying there was a balance again of XXXX and what do we need to do because I call every month to square this up with you and somehow I accrue another late fee. The lady said if I paid the XXXX interest charge she would clear the XXXX and swore to me the statement I'd get in XXXX would be {$0.00}. Well, the statement came and it's for {$80.00}. They never took the XXXX off like promised and then charged me another XXXX late fee. They keep saying they aren't holding checks but my bank statement is showing it's sent through bill pay on a certain date the statement with the credit card is showing they are not applying the payment for around 2 weeks. I went in and paid online in XXXX to make sure this was cleared up and she promised should would take the late fee off but now in XXXX they reversed that late fee and added another one so it's XXXX. I purchased XXXX item for XXXX and I've now had to pay XXXX total for that one item because they aren't doing what they say and charging more fees. I've had to call every month since XXXX to get this fixed with empty promises of what they are gon na do. So today XX/XX/XXXX I just went in and paid the XXXX late fees on late fees that I was told they were removing just to be done!!!! I can't do it anymore and they are by far the worst company and seems a bit fraudulent. I have a great credit and they also told me this would not be reported to the bureaus but that was a lie to ... .they reported late payments on my credit. I'd like an investigation and a complaint filed on this matter because every month I tried to fix this but they fell short of what they told me. XX/XX/XXXX Ulta Card {$190.00} ... XXXX XX/XX/XXXX Check Cleared XX/XX/XXXX Ulta Card {$170.00} ... XXXX XX/XX/XXXX Stop/Return on XX/XX/XXXX they gave me a late fee for XXXX when the payment wasn't even due until the XXXX. I made the XXXX payment online on their site this time and the lady said she would make sure the XXXX was reversed and watch the account apply the XXXX when it showed up. The XXXX was XXXX day late and she told me should go in and reverse it to ensure there was a XXXX balance in XXXX but it's not there's two more late fees. I called today to discuss with them and they now were rude telling me they don't do that and I've used up 1-2 chances but those were used up due to their mistakes on not applying my original payment on time when they received the check on XXXX. It's crazy how I get numerous stories from each person I talk to and having to go through the process since XXXX is now getting beyond irritating that I felt I needed to file a complaint. Latest Transactions ( Statement XX/XX/XXXX - Today ) Date Description Amount XX/XX/XXXX Scheduled Scheduled {$80.00} XX/XX/XXXX LATE FEE DEBIT {$41.00} XX/XX/XXXX PAYMENT - THANK YOU - {$3.00} XX/XX/XXXX LATE FEE {$40.00} XX/XX/XXXX *FINANCE CHARGE* PURCHASES REFUND - {$0.00} XX/XX/XXXX REFUND OF LATE FEES - {$41.00} Review All Transactions
Company Response:
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Bread financial is supposed to resolve billing issues before 90 days. My issue started and I complained in XXXX of 2022. Its been almost a year I want my all my accounts w Comenity/ Bread Financial CLOSED. And I want all fees and interest charged to me REFUNDED since no employee of Bread or Comenity could access this account ending in XXXX so I was never able to even pay it off until they figured out the mess they caused.
Company Response:
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: My XXXX XXXX Account is closed at my request and the interest fees fluctuate and has increased which defeats the purpose of closing the account to pay it off and keep it closed once paid in full.
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been called nonstop from XXXX XXXX XXXX plus the main number at least 10 times a day over one missed payment for weeks now. I will be logging in to fix whatever billing issue there is, but calling me at the peak of dawn AND from private numbers while I am at work CONSTANTLY is borderline harassment. I have never had any other credit card agency do this to this extent before. Insane.
Company Response:
State: LA
Zip: 70809
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: the credit bureaus in question stated that my account was thorougthly and properly investigated althoagh how is this possible with the date of last activity being inaccurate and the date of account was reported inaccurately. this is clear violation of my rights and is grounds for removal I have informed the bureaus that a consumer reporting agency can not furnish account without written consent and instruction under 15 u.s.c.1681 section 604 a section 2. also as a reminder i also have right to privacy which has een made clear to the bureaus under 15 u, s.c 1681 section 602 a. the credit bureaus have surpassed the allowable time frame 30 days to complete my investigation.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The person in the store where I bought items, used my personal information to open the credit card. I have never received that credit card neither use it. The Comenity bank where the account was opened start calling me. I told them it is not me who use that card. I did not want it would affect my credit score and I paid the balance. They said it is XXXX now and ai asked to close my account. Later on I saw that account is still opened and it is balance again. I called the bank again and they said it was late fee and the interest I did not pay. I paid it again and asked them again to close the account but it is still on my credit score report. I called them again but they do not do anything.
Company Response:
State: WA
Zip: 98023
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A