Date Received: 2023-12-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid my balance in full after interest in fees were assessed. The company then added additional interests and fees that were not actually residual interest since the balance had been XXXX well after the payment was made and the balance was brought to XXXX. When inquiring with the company if they had the correct billing address and email address I was told they had an email address I've never provided. When I mentioned that my account may have been hacked or there is an internal error regarding the balance I was spoken over and nothing was resolved. The current company representatives do not seem to be aware of legal requirements for credit card companies and claim they had no way to put in a fraud report.
Company Response:
State: MD
Zip: 21218
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My XXXX statement for my XXXX account shows the remaining balance of {$520.00} as of XX/XX/XXXX. On XX/XX/XXXX, I submitted payment in full ( {$520.00} ) leaving the balance of XXXX. However, in my XXXX statement I now owe and additional {$9.00}, which is due XX/XX/2024. How do I have an additional balance when the balance is paid in full? I don't feel this is correct and I should not have to pay it.
Company Response:
State: IL
Zip: 60452
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: Bread Financial ( BF or the institution ) has not provided any evidence of compliance, or demonstrated of key controls and a compliance framework established to comply with all applicable laws and regulations. Furthermore, the institution did NOT comply with the applicable laws and regulations when opening CD deposit accounts in my name in XX/XX/XXXX. As evidence, unlike multiple other digital banks Ive dealt with, the institution did neither email new customers of the key terms and conditions nor provide an agreement with the details of the deposit contract at the inception of the CD deposit. Having information somewhere on the institutions generic and broad website is not in line with the spirit of the laws and regulations, and the institution can not claim that it complied with the applicable laws and regulations. Period. Once again, in accordance with Rule 12 CFR 1030.4, the institution is required to provide initial disclosures before an account is opened or a service provided, whichever is earlier. BFs response received on XX/XX/XXXX to my complaint is simply unfactual and a wrongful response, merely claiming compliance with no evidence. Furthermore, a so-called review of potential security concerns and/or irregular activity has nothing to do with the customers actions or activity. The suspension has been imposed almost XXXX weeks since the institution intentionally fabricated a story to restrict or discourage customer complaints. In conclusion, in addition to the non-compliance issue, this institution apparently has an integrity issue. The institution 's integrity issue has been clearly revealed through sneaky non-compliance at account opening, unfactual responses with false information on officially raised CFPB customer complaints, fearlessly perpetuating lies, and suddenly bringing up a security issue for this particular individual account without reason for weeks. In addition to my initial complaints about the non-compliance issue, I am encountering more issues with this institution and will have to report to more regulators, eventually seeking resolution through the court if not resolved via filing issues with regulators.
Company Response:
State: NJ
Zip: 07650
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are inquiries on my report that I did not authorize and I am also not associated with. I have sent in letters to these companies and their responses were all the same, they stated that someone submitted something online with them and that whoever that person was authorized them. This is messing with my credit score bad and i would like help in having them removed. I never signed any paperwork saying that they were clear to run a credit check on me.
Company Response:
State: ND
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2023, three days after my escalation, the institution notified me that it had suddenly suspended my CD accounts without providing valid reasons amid my complaints and escalation of the issues. See the full text message from the institution. A so-called " review of potential security concerns and/or irregular activity '' is unrelated to the customer 's actions. It appears the suspension was imposed almost three weeks ago intentionally to discourage or restrict customer complaints. I am requesting Bread Financial to promptly lift the suspension on my CD accounts without valid reason. If this is not done, I will have no choice but to escalate the matter to higher regulators.
Company Response:
State: NJ
Zip: 07650
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX Comenity Bank for Victoria secret started reporting a new closed account. It has the exact same open date, charge off status, credit limit, close date ... ect the only difference is it has a different account number. The one that belonged to me was number XXXX. The new second account ends in XXXX. I called comenity and they said in the system it shows I never had the account ending in XXXX. I was then told they can't do anything because there isn't an account to fix. I asked for an email or phone number to their credit reporting office and they said neither exist. I can only send a letter through the post office and wait. I don't want to wait it hurt my credit immensely. I filed a dispute through the reporting companies and they said it would remain on my credit. I have even paid the collection through XXXX for the charge off that was my responsibility.
Company Response:
State: KY
Zip: 40245
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
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 XXXX XXXX XXXX I went to the XXXXXXXX XXXX in XXXX, New Jersey to get gasoline. Self-service is not permitted in New Jersey ; the attendant must pump the gasoline. I handed my Comenity AAA Travel Advantage credit card to the attendant, who pumped {$27.00} worth of gasoline. After the attendant pumped the gasoline, he gave me a receipt. I neglected to notice, however, that he did not return my credit card. As this is a credit card that I use almost exclusively for gasoline, I did not notice that the credit card was missing until XX/XX/XXXX, when I next needed fuel. That day, I logged into my Comenity account and saw that on XX/XX/XXXX, an additional charge of {$24.00} had been made at that same XXXXXXXX XXXX. That {$24.00} charge was unauthorized. Additionally, on XX/XX/XXXX, three more unauthorized charges of {$46.00}, {$20.00}, and {$38.00} had been made at that same XXXXXXXX XXXX for a total of {$120.00} in unauthorized charges. I then filed a police report with the XXXX Police Department on XX/XX/XXXX, and also filed a fraud report with Comenity, where I identified the XXXX fraudulent charges. On XX/XX/XXXX, XXXX Police informed me that it had arrested the attendant ( XXXX XXXX ) ( XXXX XXXX XXXX ) for theft of credit cards and theft by deception. XXXX XXXX is due in court in XX/XX/XXXX. I informed Comenity 's fraud department of these developments. Although Comenity originally removed the four fraudulent charges, it re-inserted them on XX/XX/XXXX, as I discovered on XX/XX/XXXX. On XX/XX/XXXX, I spoke at length to Comenity 's fraud department, who told me that although it would investigate further, such investigation would take at least 2-3 weeks, and the fraudulent charges would remain on my account in the meantime. On XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) stating that it could not identify any evidence to support a fraud claim -- which surprised me, considering that I had previously given them the police report number, as well as the name of the person who had been arrested. I want the {$120.00} to be taken off of my account immediately. In view of the many conversations I have had with Comenity ( with no success yet ), I feel compelled to file this report. It appears that Comenity did no investigation before denying my fraud claim without explanation.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I do not know exact dates, but I can say the following. First time I charged something on the card I went online the date of the first payment was due and then saw that if a customer pays after XXXX XXXX, the bill is considered late. I was not award of that, so I talked to XXXX and they agreed to remove the late charge. It appeared to be removed but then I discovered so small change wasn't removed. AND then another late charge was assessed. I wasn't aware of that charge. Thinking my balance was XXXX $ I charged a blouse for a little over {$31.00}. Thinking to get ahead of the payment I went to the store in person and paid {$15.00}. I was then totally shocked, since I paid the {$15.00} dollars before the payment due date. I called to see what was going on, and they said that I didn't pay the minimum. I wasn't aware of a minimum and hadn't seen the bill before I made the payment. I requested this be removed, I was told it would be removed, but it was never removed. Now there are over {$120.00} in late charges for a blouse that started out to be a little over {$31.00}
Company Response:
State: AZ
Zip: 85379
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I refinanced my house in XXXX. The title company mailed a check in the amount of {$2500.00} on XX/XX/XXXX to XXXXComenity Bank to pay my account off. In XXXX, after I continued to receive calls to make a payment, I submitted a dispute with XXXXComenity which included a copy of the check that was cashed. I received a letter from Comenity dated XX/XX/XXXX stating that it could take up to 90 days to complete the investigation. I have not received any further communication. I called them on XX/XX/XXXX and was told that my dispute was closed and that I now owe them {$3100.00}. My credit report is showing this as a late and unpaid account which lowers my score and makes my insurance and other things more expensive.
Company Response:
State: WA
Zip: 98837
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I lost my XXXX credit card and missed a payment in XXXX. It was reported to the credit reports buereas. After that I made all the payments fully made the account to XXXX and never used the credit card since XX/XX/2023. After that I have seen a small amount about XXXX dollar l on the credit with late payment notice reported to credit bureau in XXXX again even though I never used the credit card. I called the XXXX customers service they said it was mistake and help it fixed. Yet again in XXXX this year it happened again which was XXXX dollar and started increasing to XXXX and then XXXX $ by month of XXXX I called them again today and they said they were going to fix it. This closed by XXXX points on my credit card. I am trying to get a loan for my car and it's now impossible to even get approved.
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A