Date Received: 2023-03-20
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Per case XXXX XXXX XXXX did issue a card, but they issued it to the wrong name. I called in and spoke with XXXX on XX/XX/2023 at XXXX PT ( case id XXXX ) who cancelled and reissued the card to the correct name, we both spelled it out on the phone phonetically. Today two new cards arrived, one for my self though a new card was never requested for my self. The second card also again arrived in the wrong name. The card is still unusable as it has been issued twice in the wrong name.
Company Response:
State: WA
Zip: 98201
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: 2023-03-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2022, I received a note from XXXX XXXX XXXX that my credit report was accessed by Comenity/Ulta fraudulently to open up a credit card in my name without my consent. I contacted Comenity to flag this account for fraud, and they mentioned that the person who opened the credit card provided the wrong birth date and phone number, yet was still provided approval for the credit card and subsequent purchases, which amounted to about 650 . I have since locked and frozen my credit at the various credit reporting agencies. Comenity is currently investigating this issue, with an eta for resolution in 90 days.
Company Response:
State: CA
Zip: 95125
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Victoria Secret CC Charge Off states I owe {$1200.00} I never opened this card it is not mines or have no knowledge of this.
Company Response:
State: IA
Zip: 52804
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 was paid
Consumer Complaint: On XX/XX/2018 Credit Card Comenity BankXXXX & XXXX XXXX was legally paid in full for less than the full balance. This was a promise to be removed from all 3 Credit Report Bureaus which they have not.
Company Response:
State: IA
Zip: 52804
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/23 I mailed a letter to the creditor and XXXX to opt out of non-affiliated third party reporting and sharing my non public information. I informed the creditor, Comenity Bank that I was never informed of my rights of disclosure and I had the option to opt out when starting a banking relationship with them. I have not received a correspondence yet from either party.
Company Response:
State: NJ
Zip: 08902
Submitted Via: Web
Date Sent: 2023-03-21
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 result of identity theft
Consumer Complaint: XXXX transferred over my in house card with them to a Commenity Credit Card without my knowledge. Almost 3 years later there was fraud on this card with purchases in XXXX. I contacted Commenity and they assured me they would take care of it. I have had countless calls trying to collect the debt. I have asked them to transfer me to their fraud department and when I get someone they tell me they will put me on hold and then hang up on me
Company Response:
State: AL
Zip: 35811
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account ( XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX offered by Comenity Capital Bank ), has violated my rights. 15 USC 1681 Section 602 - states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 - also states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B - states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/XXXX a payment of {$190.00} was made to BJs Comenity account # XXXX from my XXXX bill pay/checking account. XX/XX/XXXX my BJs card was declined I called Comenity ( XXXX ) and was told they didnt receive the XXXX payment. I immediately authorized a payment of {$260.00} from my XXXX account. I checked my account with BJs and realized the XXXX payments were not credited to my account. I closed the account and filed a fraud complaint. XX/XX/XXXX a payment of {$250.00} was made from my XXXX account to BJs Comenity XX/XX/XXXX the XX/XX/XXXX payment was not credited to my Comenity account this error was added to my complaint. I received three letters stating that they were investigating my complaint. XX/XX/XXXX I met with the vice president of my local XXXX and asked for help. She called Comenity and they hung up on her. She wrote a letter to Comenity stating that the three amounts I was disputing were paid. XX/XX/XXXX Comenity wrote requesting a copy of my banking details from 30 days after the payments processed and a letter from my bank XX/XX/XXXX XXXX XXXX wrote another letter with my banking details. XX/XX/XXXX Comenity sent a letter that stating : On XX/XX/XXXX you filed a fraud dispute on the above BJS WHOLESALE MASTERCARD credit account with us. After our thorough investigation of the claim we have concluded that you are not responsible for the disputed balance amount on the BJS WHOLESALE MASTERCARD credit card account. In addition, we have submitted a request to the three national credit reporting agencies to remove this account from your credit bureau report if applicable. Please allow 30 to 45 days for the update to occur. XXXX XXXX I received correspondence from Comenity stating : On XXXX XXXX you filed a fraud dispute on the above BJS WHOLESALE MASTERCARD credit card account with us. After our thorough investigation of the claim we have concluded that you are not responsible for the disputed balance amount on the BJS WHOLESALE MASTERCARD credit card account. In addition, we have submitted a request to the three national credit reporting agencies to remove this account from your credit bureau report if applicable. Please allow 30 to 45 days for the update to occur. XX/XX/XXXX I received this correspondence from Comenity stating : Thank you for contacting Comenity Capital Bank. As the bank that issues your BJS WHOLESALE MASTERCARD credit card account. After reviewing our records, we can confirm receipt of the following payment {$240.00} on XX/XX/XXXX. We credited this payment to your account. Your current balance is {$0.00}. XX/XX/XXXX I called Comenity and was told BJs accounts were now handled by XXXX XXXX. I called XXXX XXXX and was told this dispute was the responsibility of Comenity.
Company Response:
State: RI
Zip: 02905
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I noticed on my credit report that a card was opened fraudulently in my name. The card on my report is titled " comenitycapital/XXXX '' and has already racked up a balance of {$4000.00} against the {$4000.00} limit. I have nothing to do with this card and did not open this or authorize it myself.
Company Response:
State: OH
Zip: 43054
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: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I received in XX/XX/XXXX a refund check from Comenity Bank for my ( now closed ) XXXX credit card account ( XXXX sent a notice over a year ago that they were no longer accepting purchases using their credit card ). The check was in the amount of {$340.00} and there was no explanation of what the refund was for. I cashed the check and then on XX/XX/XXXX, I get a bill saying that I owe this amount and the explanation was " XX/XX/XXXX Misposted Payment ''. I called the bank and was told to send a letter, which is attached hereto. That amount sounded familiar and I realized that it was the same dollar amount that was disputed in a claim filed with you against the bank by my mother, XXXX XXXX. That amount was paid 2 days earlier than due ( per her bank statement ), but yet the bank ( which had taken over the XXXX credit card accounts from XXXX XXXX XXXX in XX/XX/XXXX ) added interest and penalties to her next monthly bill. I do not have the bill ( s ) showing where my {$340.00} came from and requested same in my letter. I was told it would take up to 90 days to resolve this matter. In the meantime, they have on record that I am disputing it so that there will be no interest or penalties incurred.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A