Date Received: 2023-03-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I spoke with a representative today at Comenity Bank for my Torrid Credit Card. They helped me with a hardship plan for my credit card and states now I will be in good standing. Due to the CARES Act, I would like Comenity Bank to remove the 30 day late payment from my credit report.
Company Response:
State: IL
Zip: 60174
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XX/XX/23 I was offered 30 % off my first order to apply for a card at XXXX XXXX XXXX XXXXXXXX. I made the application and nothing happened. No denial, no approval and no 30 % came off the total. I called the company and told them to cancel the order and to cancel my credit card application. Today I got a text saying I was behind on my payment. I called the number and they said they couldn't help me that they were comenity bank and I needed to call the store. I called the store and they said I needed to call the bank. This went on for a few hours and now I'm here. I never got the merchandise, I never got the card or the statement and I never got the 30 % off the order they say I received. No one there can help me and I have no info to give you because as far as I know I have no account with them.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
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, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response:
State: TN
Zip: 38002
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I had a credit card that was fraudulently opened in my name and charges were consumed. I was informed through the credit bureau that their was a hit on my credit from it and that's why I'm disputing this as fast as possible so I can get my credit back to where it was. I'm also trying to buy a home when this all happened and it has slowed me from purchasing a home
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am submitting this complaint because of a Hard Inquiry on my Credit Report by Comenity Bank for a XXXX credit card on XX/XX/2022. ( Appears as COMENITYCAPITAL/XXXX ) XXXX I have NEVER applied for a XXXX credit card, therefore, the hard inquiry by Comenity Bank is totally unauthorized. I reached out to Comenity Bank and they denied the inquiry stating, " they are unable to explain my credit report ''. They advised me to contact XXXX directly. XXXX confirmed the inquiry and advised me to file a complaint and send copies of the complaint to them to have the hard inquiry removed from my credit report.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
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 an account with Comenity Capital Bank sometime in XX/XX/2022. I received my first statement in XXXX and paid off the balance of {$360.00} on XX/XX/2022. But they also charged me the next day XX/XX/2022 for {$360.00}. See Exhibit # 1 on our bank statement attached. I have called this company twice and was told that my payment had been returned. No-one could tell my how or why. I tried to explain that this was a debit transaction and there was no way that could happen. It did not matter. If you look at my account balances at this time, my account was never close to being in the negative. My wife also works for XXXX XXXX XXXX XXXX XXXX. My account have NEVER been negative. After we received no help from their customer service reps, my wife spoke to her employer ( SLFCU ) and filed a dispute. We received a provisional credit XX/XX/2022 of {$360.00}. See Exhibit # XXXX on my bank statement. On XX/XX/2022, I received a check from Comenity Capital Bank for $ XXXXWhy? if we had returned a check to them? My wife let her employer know the dispute had been settled and that I had received a check from Comenity Capital Bank. XXXX reversed the provisional credit of {$360.00} on XX/XX/2022. See Exhibit # XXXX of my bank account. I deposited the check from Comenity Capital Bank on XX/XX/XXXX. See Exhibit # XXXX. We should be paid off now right? Nope. The next statement I received now says i owe them {$360.00} plus a {$30.00} returned check fee. I don't owe them ANYTHING and no-one will listen to me when I call or even try to help me. I have paid my last two minimum payments so they don't report bogus information on me. I want this closed. I want my two {$30.00} payments that I made for XXXX and XXXX and I want the XXXXwo {$9.00} I was charged for the two payments I made that I do now owe. I want this card closed and to never hear from this company again.
Company Response:
State: NM
Zip: 87121
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Good morning, this issue is with comenity bank, XXXX XXXX XXXX XXXX card in my name ending in XXXX. The problem is, every month without fail I send my payment and it's never credited until after I make an electronic payment, as if they are purposely not depositing the check to run up late fees. For example, on XX/XX/XXXX I sent a check to them due XX/XX/XXXX, still as of now not credited to my account. I don't have this issue with any other company I deal with. But this is always a problem and they can't always blame the post office. Other companies I can mail across the country and it's credited in XXXX days, but this one doesn't go half as far and this happens every month. And I really don't want to hear their form letter response about paying other ways.i choose to pay this way and it's never a problem with any other company but it always is here. Thank you for your help with this matter.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: XXXX. XX/XX/2022 I receive email " Your payment is due on XX/XX/2022 {$30.00} Due Date XX/XX/2022 Current Balance {$37.00} '' 2. Some day in the same month, I called Comenity Bank customer care to report the fraudulent account. It took me several days to find a person to speak to. The first call goes to general customer care where they already assume you are a customer, so they asked me questions like last 4 digit of SSN, my number and my address. I told them that I have never applied for this credit card and I am calling to report this account as id theft. By this time, I had already give the customer care guy my address. he said I don't have the card because there is no address on the account. To which I replied that's not the problem, I have not opened this account. Despite this, he took my address from me and added it to the fraudulent account. Nonetheless, no physical credit card was sent to my address even if they thought my account was legit. 3. XXXX, I called them again, took me 1 hour to speak to the general customer care, the lady then transferred me to account security and the call immediately got cut. Now I went through another 1 hour of waiting on the toll free number to get connected. In vain, virtually impossible. 4. I didn't see any accounts on my credit report either till this time, so I didn't panic. 5. XX/XX/XXXX I see a new account on my credit report so I panicked. I was outside USA. I came back and called them to report the fraud account on XXXX of XX/XX/XXXX. This time I called them in the night around XXXX on XXXX XXXX, I clearly remember, finally reached account security pretty quick. The lady reported the account and said debt will be removed and reported to credit bureau sooner next month. This was also the first time they sent me the statement at my address for the first time. I had never received any paper statement before ever in last 8 months. I think Comenity should provide proof if they have sent anything at my address, mail or credit card. I bet none was sent. 7. After this day I relaxed that I sorted everything out. I got no calls no mails from Comenity, mind it, I wasn't told that I am liable for any debt in this call. 8. XX/XX/XXXX I checked my credit score which still hadn't changed. Now I was angry so I raised a dispute with credit bureau, which resulted in account being validated in my name since everything matched including address. Remember address was provided by me in XXXX when I called to report the account, so it was fraudulently added by Comenity staff despite me calling to report the account as identity theft. Comenity should provide proof of address update CFBP. Comenity should also provide audit log of calls from my account, and the transcript. Comenity should provide proof of physical credit card sent to my address, and usage of this credit card. Comenity should provide any other credit card activity. 9. I called them again XXXX first week as I was traveling, This time it took me 1 and a half hours to reach Account Security. The lady told me that now I owe XXXX dollars approx and she can't do anything and it must be paid by me because I raised Dispute with XXXX and they found me responsible. To which I replied, they found me responsible because you legitimized my account by adding the address provided by me to a fraudulently opened account. She didn't listen to me instead she yelled at me as to why I reported the account so late on XXXX XXXX, that means she lied despite having access to call logs. Comenity should provide transcript of this call too. Anyway she strong-armed me to pay XXXX dollars and I agreed because I was held hostage to my credit score. Also, during this period I didn't receive any communication from them that the fine on this account was accumulating and I owed and debt until I called.
Company Response:
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a balance of {$92.00} on my XX/XX/XXXXXXXX bill. I paid this in full, i mailed the check 5 days prior to the due date although they didn't process it for several days after ( converted to ACH so I can't get a copy of the item from my bank. ) When I saw my XXXX bill, I tried to call but was unable to reach any one. I did call in XXXX but the person I talked to was very hard to understand, foreign accent. I asked to speak with her supervisor and was placed on hold for over 30 minutes then the phone disconnected. I then sent a message through their web site but did not get a response. On XX/XX/XXXXXXXX I mailed a letter to the address listed for disputes on the bill and did not get any response. I sent a message on XX/XX/XXXXXXXX to the customer service section on their website and received message that they would research the issue and in the mean time would not charge late fees or report late payments to the credit reporting agencies. In XXXX, I was trying to shop for new car and homeowners insurance and found out that XXXX is in fact reporting me as late payments. This is the only negative line in my credit report. I now have received a bill from XXXX showing my balance of {$190.00} which is ALL fees. I have made NO purchases so these are fees in a XXXX balance.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A new account was opened on XX/XX/2023 under my info, this is fraud as I didn't apply for this account. Account name CCB/XXXX Date open XX/XX/2023 Credit {$400.00} I immediately looked up this account by name and it turn out to be XXXX. I reached out to them XX/XX/2023 @ XXXX on phone number XXXX. A XXXX XXXX answered me. During this call she stated that this account was fraud. I don't feel conferrable with this call as she didn't afford a solution to this problem. I have since put a freeze on all Three Bureau Credit Report and file a report as such.
Company Response:
State: NM
Zip: 87121
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A