Date Received: 2023-02-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX I receive an email from this breadfinancial aka Comenity bank with good XXXX rewards card open with {$400.00} Id never apply to this company Im out of the country dealing with a family emergency so I did try to contact the company and they saying I have to wait
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dispute hard inquiry Discovered that hard inquiry reported on my XXXX credit report made by COMENITYCAPITAL/XXXX on XXXX I have attempted to reach this company, but I was unsuccessful. I did not apply for any credit with COMENITYCAPITAL/XXXX, I dont know who this company is. I request this inquiry to be removed from my XXXX credit report.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Its been several times already that I try to make a payment online for my XXXX Credit card and I put in my login credentials and then theyll make me verify with a code and then takes me to a page that says the website is not working or not available? Then it says to contact Bread??? That theyre the new company in charge of the credit card, when I never got any notice in regards to this. Anyway, each time Ive tried to make an online payment Ive gotten this message. Ive been able to make a payment maybe 3 times??? Online. All the other times I was not able to and led to me getting late fees! Why didnt I call to try to make a payment? Oh I did, waited forever and got hung up on? I do not have the time to call in to make a simple payment, all my other payments are made via online/app. So I think its completely absurd and unfair that theyve charged me probably over {$100.00} of late fees in less than ONE year.
Company Response:
State: CA
Zip: 92870
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a credit card from Comenity bank- THE XXXX XXXX XXXX card. I did not request or open this account. It is a full on card with number, expiration and CV #. The letter said subject to credit approval. I checked my credit report and it did not show up. The next day I received a letter saying there was irregular activity on the account so it was suspended ( still - never activated by me ). Told me to call the fraud line XXXX. If they didn't hear from me it " may be permanently closeed ''. I called and was on hold a very long time. Gave up. Looked for another option - report on the site? email? nothing. I called again and was on hold over an hour with no identification of how long it would take. Then they disconnected me. I tried again and the same thing happened. Apparently there is no way to talk to them so I give up. I put a fraud alert on my credit report. I should not be spending hours of my time to remove this. Please CLOSE THIS ACCOUNT AND FIND OUT WHO IS TRYING TO FRAUDULANTLY OPEN AN ACCOUNT IN MY NAME!
Company Response:
State: IL
Zip: 60657
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: When my husband and I returned from visiting grandchildren last XXXX, we received 3 surprising pieces of mail. The first was a statement from XXXXComenity Bank dated XX/XX/XXXX, indicating a balance of {$620.00} for a credit card account for which I had never applied. The second mailing was the plastic credit card for this account, which I have never signed. The third mailing was from XXXX XXXX attempting to verify if I had actually applied for a new XXXX XXXX XXXX account that included my name and Social Security number. We easily resolved the situation with XXXX XXXX, and even sat down with a local bank manager who explained how my personal information may have been compromised and suggested how we can protect ourselves from possible identity theft in the future. By contrast, our dispute with Comenity Bank continues as we attempt to restore my " very good '' credit rating and remove delinquent charges from a credit card account for which I never applied. On XX/XX/XXXX, I called XXXX/Comenity to contest this application and was told the issue would be resolved in 90 days -- not so! Next, I immediately contacted XXXX, XXXX, and XXXX to establish security credit freezes. Fast forward to XX/XX/XXXX AND XXXX, XXXX, when I received 2 separate letters from Comenity Bank, with which we've never had any dealings, to have my credit freeze lifted so they could process my application for an " XXXX XXXX XXXX '' account, again, something for which I had not applied. Calling our local XXXX XXXX XXXX XXXX, I was advised to check our credit report to see who had been inquiring about our credit rating, and to update XXXX that another fraud attempt had been made. Then, on XX/XX/XXXX, XXXX advised us that my credit rating had dropped significantly and suggested we file a dispute with Comenity Bank, which we did on XX/XX/XXXX. Once again on XX/XX/XXXX, I got another fraud alert that Comenity Bank had " flagged '' my (? ) account " Charged off as bad debt '' -- supposedly explaining my lowered credit rating, according to the XXXX representative we spoke with on XX/XX/XXXX. Now I was advised to file a " police report '' of Identity Theft with the FTC. Obviously, not all financial institutions are as diligent as XXXX XXXX in verifying who is actually applying for credit cards/accounts. Comenity Bank has been nothing short of irresponsible in dealing with us, not even bothering to continue sending past-due statements since XXXX, XXXX, to alert us that the " bogus '' account was still active. As a result, my credit rating has suffered a drop of about 200 points, from a rating of " very good '' to " fair. ''
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received an alert from XXXX that there was a hard inquiry under my info for Bank / Credit Card Inquiry COMENITYCAPITAL/IKEAVC. I did not at any time make this application. Was on hold with ikea credit card fraud department for over an hour. No help provided. Just left on hold.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: PlayStation credit card issued by Comenity bank advertises a promotion for a {$50.00} PlayStation store card and free game credit up to {$75.00} on first purchase and {$500.00} spend respectively ; to be issued within 14 days of meeting requirements. Over 14 days after meeting requirements and Ive contacted Sony rewards customer service multiple times regarding the promotion but have not received any response, Im simply told the issue will be escalated, but after 10 days I havent received any communication. I have the emails detailing and confirming the promotion and the credit card statements showing Ive met the requirements and the dates on them.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On Wednesday, XX/XX/23 I checked my credit scoring and saw a new inquiry with XXXX, this caused my credit score to drop XXXX points. Most important I did not apply for this, nor did I apply for anything in the last 6 months at least. I contacted Comenity Capital/XXXX about this credit card application on XX/XX/23 and was notified they had nothing connected to my SSN or name. I then filed an online dispute with XXXX which they responded was legitimate on XX/XX/23. I then called Comenity Capital/XXXX back on XX/XX/23. They notified me I had nothing with them, and they could not give me any documentation since I had no account with them. I then contacted XXXX and spoke with them via phone on XX/XX/23 who stated they could not remove without documentation from Comenity. Now I'm in a situation where an inquiry is on my report which I didn't do and have no way to clear it.
Company Response:
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2023 Comenity Capital Bank - IKEA Visa Credit card I received an email from company above, XXXX, stating that they had received an application for a credit card in my name. They also pulled a hard inquiry against my credit. The e-mail stated I would be notified via mail in 10-14 days. I called Community Capital Bank and was eventually transferred to their fraud department. The representative hung up on me. I did not apply for this credit card and I do not do business with this bank.
Company Response:
State: SC
Zip: 29615
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was altered by my identity theft protection through XXXX XXXX that someone had opened an IKEA VISA card in my name. They ran my credit report. comenity capital ikeavc is the alert i received. I have attempted to contact the fraud department at the credit card company without any luck.
Company Response:
State: AZ
Zip: 85737
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A