Date Received: 2023-02-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Starting in XXXX I couldn't use my card. When calling customer service they said their system upgrade caused issues. Since then ( roughly six months ) they have reported my account closed - I confirmed with their rep it is not. This caused a big drop in my credit score. They refuse to issue my card, which is now expired. I've asked numerous times why and they continue to say " system upgrade issues ''. They have no reason to close my account and it shows open online ( see documentation ). A large company should not be messing with peoples credit like this. It's very strange.
Company Response:
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Identity theft protection or other monitoring services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: Date XXXX Comenity bank sent me a letter stating I applied for an XXXX XXXX account I never applied for such an account I called comenity bank who did no help me locate the letter they sent me I need help so no further accounts are attempted
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Not sure debt is owed.
Company Response:
State: OH
Zip: 44125
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a Comenity Bank credit card through Victoria Secret and Comenity denied me due to credit worthiness from XXXX which is a consumer reporting agency. According to 12 car 1002.6 & 15 use 1691 states that applicant means any and not in the faith of credit worthiness. XX/XX/XXXX, I received my adverse action letter and on XXXX XXXX I responded to the adverse action letter and they received it and sent it back without responding and giving me my credit card. They are discriminating against me.
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX of 2022, I repeatedly attempted to pay my Victorias Secret credit card bill with Comenity bank on their online app/portal. I continued to get an error, and therefore was unable to pay my bill. I have screenshots to back this up. I then attempted to use the online chat, which also did not work. I was charged a {$30.00} late fee, with other interest. I always pay all my bills on time and IN FULL. The companys faulty system made it unable to do so this time. I emailed repeatedly, and never received a response. I filled out a XXXX complaint, and was told that the business will mail me a letter with their findings. I have still yet to receive such letter. Note that XXXX has NUMEROUS complaints on XXXX website, and all responses I see claim that they will mail a letter. I wonder how many consumers actually received a letter? XXXX should not ignore their customers and charge them for their failures. It should be very simple to reverse a late fee that was their own fault instead of claiming theyll mail a letter that never gets sent.
Company Response:
State: RI
Zip: 02905
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: When I went to check my credit, I noticed that I had 3 unfamiliar inquiries on my credit report. I quickly called the XXXX XXXX XXXX, and they confirmed that there had been 2 applications and 1 open account. Then in the mail, later, I found another application that was denied. Someone is trying to get credit cards in my name, and I believe it is my mother or her husband. The places they went to were in the area for where they live. ( around XXXX, TX ) This isn't the first time that this has happened to me either, the same thing happened in XXXX, and I filed a report as well. And then also they had a collections in my name years back. I have the application that was supposedly signed in XXXX, TX XX/XX/XXXX, but I was in XXXX XXXX, taking a flight to XXXX early that morning. This resulted in a bill of collections for {$1300.00}. This is ridiculous. Please see below the recent frauds in my name. XXXX XX/XX/XXXX- ComenityBank / XXXX- application made in store XX/XX/XXXX - ComenityBank / XXXX -application made in store XX/XX/XXXX - ComenityBank / XXXX - account opened XX/XX/XXXX XXXX XXXX / XXXX XXXX - Letter in the mail saying my application was denied Also, especially, during the XX/XX/XXXX frauds, I work offshore and could not have been able to go into a store. and the XX/XX/XXXX XXXX, I was just flying back on land to XXXX, LA at around XXXX and took a hotshot to my house through my company. The Comenity Bank representative was able to confirm that the stores were in XXXX, TX and XXXX, TX. I worked with XXXX and XXXX to put a freeze on my account. there has to be something done about these people trying to open credit cards in my name.
Company Response:
State: LA
Zip: 70126
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023 I received an alert of a hard inquiry from COMENITYCAPITALXXXX. I do not recognize this company. I did not apply for any products. I did not give anyone permission to use my personal information to apply for any products. I tried to dispute this hard inquiry through XXXX and they have not resolved my issue and it is still on my credit report.
Company Response:
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I got the XXXX credit card issued through Comenity Bank which is actually Bread Financial since they were bought out. However, the rebranding they claimed has never happened. But, they had an attractive rewards program with the card which was the ultimate decision maker for me. I have over {$75.00} worth of rewards that Ive never been able to use. They have never showed in my account and when they appear magically on a statement that their credit department sends after I threaten legal action, the rewards code never ever works. Either the system doesnt accept it or it says they have already been used. I was patient enough when I received the first letter over a year ago stating they were revamping their rewards system and would have the correct amounts applied very quickly Apparently this is something that has been going on for at least three years from other complaints Ive read about the exact same thing. When I talk to XXXX the say contact Comenity. Then Comenity says contact XXXX. Its absolutely ridiculous. I have never missed a payment but, I am sue those rewards per their own legal binding contract. I never ever know if their site will be working or not. So many times I have tried to go on there and it says the system is under maintenance or the web page is not valid. Their customer service or should I say kackbthereof is horrid. The people are so rude and clueless. I have gotten the same generic blanket responses when I ask specific questions. Now, I paid my account off and then they add a {$2.00} charge. Surely this isnt legal. My payments have always been made early. I contacted them in regards to this as well. Funny enough, they havent responded. Ive kept my legal obligation by paying my bill and they need to keep theirs. This isnt a new issue. People have complained all over the internet about the very sake things. Now, I did file a complaint with the XXXX and Comenity gives a generic response of researching my claim and then contacting be once they have. This is going back to the first of XXXX.And, still I get no information at all. I understand that response is merely a tactic so the XXXX will close the case. Ive had to go back now to the XXXX and am trying to find out exactly why a case would be closed when companies give XXXX detail. The XXXX should be accountable for their actions or lack there of. There is no sense in having to go over and over this again and again. Whats funny is that in my last rewards correspondence, they gage me amounts if rewards I had. I think they are intentionally defrauding consumers by giving them false information such as rewards dollars tgat cant be used. What they are doing is misleading people for their own gain. People spend money on the XXXX card for the rewards yet they never get them. Comenity just keeps all the profit which is fraud. This isnt acceptable nor tolerable. Im going to end up suing Comenity because of this.Rikes apparently dont apply to then. They would be calling my phone non stop if I were ever late on a payment. They need to be held accountable abd this has to stop. If you dont investigate this thoroughly like they are hoping no one will and have them answer truthfully, l, then it will just get worse and worse.
Company Response:
State: TN
Zip: 376XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is regarding the Ulta Ultimate Redwards Credit Card, handled by Comenity XXXX XXXX. I paid my full balance off in XXXX on XX/XX/XXXX & the balance left on the account was {$150.00}. I owed {$0.00} after this payment. I noticed i received something in the mail in XXXX & it said i owed {$14.00}, which i could not understand why, yet i did pay this full payment on XX/XX/XXXX. After this payment of {$14.00} was made, it showed a {$0.00} statement balanced owed. I have screen shots of both of these payments reflecting i Paid in full. When i got more letters in the mail about a delinquent payment, I contacted Comenity. After speaking with a rep today, she could not tell me with full confidence why I even had to pay the {$14.00} balance, when I had previously paid my full balance of {$150.00} in XXXX, not using my card SINCE XXXX. She confirmed this is a {$0.00} annual fee credit card type & mentioned it seemed these payments were pulling from the original {$14.00} I paid in XXXX being " late, '' even though I am fully aware the late payments that are paid in full do not reflect on the end of the month statement. I reported this through XXXX XXXX but if the XXXX points that was unjustly removed from my credit score are not correctly added back to the account in a timely manner, I will have to get lawyers involved. Reporting this to this bureau to follow suite & I understand this is apart of the process I must follow, in the case that I must file a lawsuit. I will allow this agency to correct this mistake but if by XX/XX/XXXX this has not been corrected I will take full action against this corrupt crediting agency for falsely marking my credited payment as delinquent.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the FAIR CREDIT REPORTING ACT this creditor 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 written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Company Response:
State: AL
Zip: 35211
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A