Date Received: 2023-03-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed the following information below contained in the attached files with XXXX, XXXX, AND XXXX and up until this day, these accounts are still reporting inaccurately on my credit file. * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMENITY/XXXX XXXXXXXX I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. XXXX, XXXX AND XXXX has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/, I was notified that payments had not been done after I had set up automatic withdrawals from my credit union. When I called the credit card reps I informed them that no payments had been taken out of my account to verify my routing numbers since the credit card did not have the correct info I proved the same routing info multiple times. The credit card that I had with XXXX XXXX XXXXXXXX became XXXX. I again related the information that all of my information was being entered incorrectly I was told that a letter would be sent in to adjust the late fees, On XXXX XXXX I again followed up and was only given a transferred to another representative. The phone was disconnected. On XXXXXXXX XXXX I followed up again on my request to have this credit be corrected since my car loan was declined due to this late fee report showing on my credit report. Again I was given this number to customer service at XXXX ( XXXX ) XXXX When I called this number there is no answer and it automatically disconnects you. Please assist me in getting this corrected as I am working so hard to repair this account.
Company Response:
State: CA
Zip: 90032
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Comenity / Bread Financial Please see complaint # XXXX SUBMITTED ON XX/XX/2022. 1. In response to first complaint ( above ) Comenity / Bread Financial sent me a letter from XXXX XXXX XXXX XXXX ) on XX/XX/XXXX credited my account IN FULL bringing account balance to XXXX. This letter is included in attachment. 2. " XXXX XXXX Customer Advocacy '' can not be reached and is believed to nor exist. 3. Comenity continues to bill me for penalties and charges 4. Comenity has submitted has submitted ( and continues to so so ) negative credit reports and has damaged my credit rating XXXX. Comenity fails to cease charges and penalties during this dispute XXXX. Incompetent customer service seems to acceptable for Comenity / Bread Financial
Company Response:
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
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: Comenity bank apparently took over servicing for XXXX XXXX XXXXXXXX XXXX XXXX XXXX accounts. I was not notified of this and only discovered it when some autopayments I had scheduled to be paid with my XXXX XXXX XXXX credit card were rejected because that account had been closed without my knowledge. When I was able to discover that Comenity had taken over I contacted them and began the process to get the Comenity card. I did receive the Comenity card but haven't activated it ; so nobody has that card number and it can't be used. Before I even received that card I received a bill from Comenity with charges that were invalid and had never been paid to anyone. Those charges were paid with the XXXX XXXX XXXX card previous to Comenity 's involvement and I paid the XXXX XXXX XXXXXXXX bill for those charges- I have proof. I began communicating with Comenity and opened a dispute with them on XX/XX/XXXX which they acknowledged in writing. The letter acknowledging the dispute committed not to add late fees or finance charges or report a delinquency to the credit bureaus during the dispute process. They have actually done all of that. I've made at least 8 phone calls to Comenity and sent several messages through their secure message center to get this resolved. After another phone call on XX/XX/XXXX, I was told that it would be escalated. I finally received a letter from Comenity requesting information on XX/XX/XXXX. I replied with that information via certified mail. They received that on XX/XX/XXXX. The next day their collections department called me. After explaining the problem ( again ), I was transferred to the Customer Care team ( again ) and was told the dispute would be escalated for the 2nd time. The issue is that Comenity added not only the original invalid charges, but also 15 more charges for the same vendors that they didn't pay. I have documented proof that those vendors never received any payment from Comenity. In fact, Comenity has never paid anyone on my behalf. I believe that there was a problem with the " transfer '' from XXXX XXXX XXXX ; but Comenity has refused to acknowledge that or to remove the erroneous charges.
Company Response:
State: WA
Zip: 98201
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, I enrolled into Victoria Secret ( Comenity Bank ( Now Beard Financial ) hardship program due to a financial hardship. Once I enrolled in this program my account past due balance was brought to current and the account remain open and active. The active hardship on my account was scheduled to end in XX/XX/XXXX. In XX/XX/XXXX, I notice that XXXX reported my Victoria Secret account closed on XX/XX/XXXX. In which was inaccurate because I made all my payments on time and the account was still active. Over the past months, I have confirmed with Victoria Secret that my account was active, and payments were applied accurately each month. However, from XX/XX/XXXX to today I have repeatedly contacted XXXX, sent them letter to provide proof, as well as completed online disputes and they refused to update my credit report to reflect the accurate account status. This negative reporting has affected my credit reporting and credit score tremendously and they refuse to help me each time I call them. I have advised them this account was never closed and to update my account to show this credit card is still open. As of today XX/XX/XXXX, I have paid the total balance off and the credit card is still open and active. If I wanted to, I could use the card in any Victoria Secret or XXXX XXXX XXXX XXXX store with no issues. I contacted XXXX today and spoke with a representative regarding this ongoing issue. The representative gave me the same run around and said the account was closed and the information being reported was correct. This is not true and not accurate. This is very frustrating and time consuming because my account is open and fine with the creditor but the credit bureau refuses to do their job to fix their mistake. Please help me resolve this issue and fix my credit report.
Company Response:
State: TX
Zip: 76006
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Comenity XXXX XXXX XXXX XXXX billed me twice in one month ( XX/XX/2023 ). This is illegal. The second bill is for a different and increased amount. The excessive billing is done in retaliation for submitting a complaint to the Financial Protection Bureau ( CFPB ) and to communicate that Comenity intends to act in a spiteful manner to the customer along with defiance to the CFPB and relevant law. Harassment. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I already submitted copies of my related receipt and bill with the previous XX/XX/ complaint to the CFPB about Comenity Capital Bank.
Company Response:
State: TX
Zip: 77065
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I, Consumer XXXX XXXX am filing this complaint against XXXX and XXXX XXXX XXXX for inaccurate reporting of the account. Please see attached for more information.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Several attempts have been made to pay in full and close account of victoria secret credit account manage by comenity bank, the first being on XXXX when I was verbally told the account was paid in full and the account would be closed. a payment of XXXX was also made on XXXX on XXXX a minimum interest charge on a balance that was supposed too be XXXX occured. This resulted in XXXX more late fees, and XXXX minimum interest charges over the next few months on an account that had assumingly been paid in full and closed. on XXXX Comenity bank acknowledged the confusion and credited back XXXX $ worth of late fees to my account, and again was supposed to close the account. Today, my husband and I contacted Comenity bank again and there was an outstanding balance of XXXX XXXX This was paid and again the account was asked to be closed ( however it still remains active ). There seems to be a late fee/minimum interest charge that we can not seem to get out of. Also we have been reported to the credit agencies for balances unpaid for the late fee/minimum interest re-entry syndrome. This re entry syndrome also occured on XXXX.
Company Response:
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: On XX/XX/2023, Comenity responded stated they will be correcting my reporting information within 45 days. To date, this information has not been corrected. Please advise.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am being accessed several late fees from Catherines women 's apparel XXXX for a XXXX XXXX for {$21.00} that I returned on XX/XX/2022. I have received phone calls and bills regarding late fees for this XXXX XXXX that I returned. The first late fee was assessed on XX/XX/2022. And the fees and phone calls have increased. For your convenience, I have attached a copy of the billing statement in question. Catherines has harassed me with phone calls and bills for the past 6 months. In XXXX, I broke down and agreed to pay {$2.00} to resolve the matter. A few days later, I received a letter of resolution from Catherines. I was willing to pay them their requested {$2.00} to have matter resolved and have peace in my life. Last week, I began receiving collection phone calls and a bill again claiming I now owe them {$210.00}!!! I do not owe Catherines any money. The company is having severe financial problems, they've closed all their brick and mortar stores so they are trying to scam money off of me. Under no circumstances will I ever purchase anything from Catherines catalog anymore! Please help me. I have been harassed for a non-existent " debt '' since XXXX, 2022 via phone and snail mail. Will you look into this matter? Thank you for your assistance, XXXX XXXX XXXX cell
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A