Date Received: 2023-02-21
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Online access not working to maintain account and pay bill. Every attempt to change password fails and responds with theres a glitch, this problem has occurred for 3 months, I am unable to log in and make payments which led to me being late 30 days and hurting my credit
Company Response:
State: AZ
Zip: 85204
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Several addresses are on my file that I NEVER Lived at. I have disputed all of them but this address : XXXX XXXX XXXX XXXX XXXX, GA XXXX is linked to fraudulent accounts that I never opened including Comenity Bank XXXX I need this removed immediately. I have only lived at 2 addresses in the last 25 years. XXXX XXXXXXXX XXXX XXXX XXXX XXXX and my most recent address is XXXX XXXX XXXX XXXX ga XXXX since XXXXXXXX XXXX XXXX
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Good afternoon Sir/Ma'am, I sent the credit bureaus ( XXXX, XXXX and XXXX ) letters on XX/XX/2023 asking them to verify the debt on my report they have sent back stating that everything is verified correctly. XXXX is the only credit bureau that sent me back documents within the thirty day period with verification and XXXX sent an email. XXXX is still reporting inaccuracies and have yet to respond. My credit reports are still showing inaccuracies. By law 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have listed below the accounts name number and addresses. Name : CCB/ ULTA Account # : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CCB/ FE21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/XXXX my wife was on line using XXXX to transfer money from one account to another and had difficulty. she talked with a XXXX XXXX XXXX rep and eventually had her cancel the transaction. the rep was slow and put me on hold for extended periods of time. ( my wife filed a complaint about the rep and talked with someone on the phone from that bank on XX/XX/XXXX ). XX/XX/XXXX I received an alert from XXXX that a new credit card was set up in my name on XX/XX/XXXX. my wife researched this and canceled the card on XX/XX/XXXX. it was a Victoria secret card with comenity bank. XX/XX/XXXX. my wife called comenity and canceled the card after explaining everything to the phone rep and they were marking it as fraudulent and said they would be doing an investigation and would send me info. XX/XX/XXXX my wife froze all three credit approving agencies in my name. XX/XX/XXXX we received over {$570.00} in VS thong underwear. my wife called VS LOCALLY and was referred to their fraud dept. The person that ordered the items. called and had the mailing address changed to send items to an out of state address, XX/XX/XXXX wife called Comenity Bank and the card is closed and marked fraud as of XX/XX/XXXX, the rep could not see where any second order was placed. if change made on or after XX/XX/XXXX it should not ship since card was closed and marked fraud. I have been instructed to take items to local VS for credit and get a receipt, I have filed with XXXX XXXX, NC XXXX.
Company Response:
State:
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: 2023-02-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A credit inquiry was made through XXXX by Comenity Capital IKEA XXXX on XX/XX/23. I had this inquiry removed from my credit report. Another credit inquiry was made through XXXX by CCB Bread Cash Back on XX/XX/23. I'm currently in the process of having this inquiry removed, however XXXX requires an FTC fraud report number and a police report number to remove the inquiry. An identity verification occurred on XX/XX/23 through XXXX by Alliance Data. I found that 2 accounts were opened. One for a credit line of {$10000.00} and another for {$7500.00}. I had Alliance close both accounts. I have placed a freeze and fraud alert at all three credit bureaus.
Company Response:
State: AL
Zip: 36330
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a victim of a SSN breach in which a fraudster opened up multiple fraudulent accounts using my SSN with numerous creditors including : XXXX XXXX, XXXX, Comenity Capital, and XXXX XXXX. They then went delinquent on all of the accounts and my credit score was destroyed. The fraud occurred in XX/XX/2022. The only lead I have is that the address for the XXXX XXXX account was XXXX XXXX XXXX XXXX XXXX, TX XXXX and it was started on XX/XX/2022.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
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: After several months of Comenity bank ( aka Bread ) having issues with the updating system ( from XX/XX/2022 to Approximately XX/XX/2022 ) for all of their store cards and not reporting for several months, they were finally able to confirm my Overstock Card account was indeed still open, although it showed closed by the creditor on all 3 major credit bureaus. I then proceeded to dispute the information on my credit report with each bureau, not one ( results posted XX/XX/XXXX ), not two ( results posted XX/XX/XXXX ), but three times including requesting reinvestigation ( XX/XX/XXXX ) AND uploading current billing information which showed the status of the account as open, never having been closed, and used in the time it was reporting as closed. The results keep saying the account is updated to : closed by credit grantor which is UNTRUE. THEN when trying to at least add a statement to this fiasco until it is appropriately resolved, I am only able to select pre-worded statements by XXXX, none of which suit the situation. Therefore leaving me unable to at least note the account is still in fact OPEN. While this may have been as a result of data error from the creditor, it took me no more than a 10 minute phone-call to account services to verify that this account is in fact still open, so between investigators doing the same WITH A CURRENT BILL AS PROOF, there is no reason for these findings. As it is an account with perfect payment history and almost 7 years worth of history, showing it as closed by the creditor has caused undue harm to my credit score and credit worthiness. I have given XXXX MULTIPLE opportunities to fix the issue, it is obvious they do not even ATTEMPT to investigate. Through these actions my rights have been violated under FCRA policies and I fully intend to pursue remedies up to and including punitive damages against XXXX.
Company Response:
State: PA
Zip: 19401
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On or about XX/XX/22, Comenity Bank added a new account to my credit reports that list the credit card as a Bonton credit card. I have never had a Bonton credit card. This Bonton card is a duplicate of another commenity credit card called Carsons. Both account numbers end in XXXX and other data are mostly identical. Comenity removed the Carsons account from both my XXXX and XXXX reports leaving just Bonton. They have not removed either the XXXX or Bonton account from XXXX. This duplicate reporting resulted in a significant hit on my credit report. Additionally, Comenity provided data information on the Bonton reporting that is slightly different than the Carson reporting which results in a re-aging of the account and makes the Bonton account look like a new derogatory account thereby further hurting my score. I have disputed this via XXXX with Comenity confirming the Bonton account. Comenity verified the duplicate reporting which is amazing to me that both accounts can be verified when they are duplicates and report slightly different payment histories, months reviewed and activity designators. Additionally, Comenity added a current date to the Delinquency First Reported date which not only makes the duplicate reporting look as though it recently happened but is completely incorrect.
Company Response:
State: NC
Zip: 27834
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Around XXXX of XXXX I noticed Comenity bank was not reporting my account accurately ( not reporting payments ), I was able to use the card to make a purchase in XXXX, and then not again for 3 months. I contacted the creditor SEVERAL times by phone, first being told because I had a different address I was locked out of my account for a week, then told there were system errors throughout showing some accounts as closed and mine was one affected, I was even question as to whether or not I had closed the account because at that point in the rep 's system my account was showing closed. There were phonecalls made at least 7 times between XXXX XXXX as I was unable to use the account at all during this time to make any purchases, although I was able to verify the account had not been closed, rather this update " technical glitch '' somehow made my account unusable. Comenity KNEW it had a system error that was resulting in many accounts being reported incorrectly and not only didn't attempt to fix the issues with consumers ( I was given the run around, call back in 2 weeks, we're still working on it, our system update glitch remains unsolved 4 months later ) and unable to take advantage of any financing offers that required I specifically use this card ( the entire reason I got it ) but HAS NOT correctly updated accounts that have since been reported inaccurately even though they WERE AND ARE AWARE their system is the problem. Finally in late XXXX, early XXXX the issue had been fixed with MY account and I was able to use it again. When I asked in XXXX of XXXX for a letter of statements of the fact to send to all 3 credit bureaus ( as by now the account was reporting as closed as of XX/XX/XXXX ) I was told I had to write in to request that, and to just give it 30 days and it will clear itself out, well nearly 60 days later SOMEONE IN THERE KEEPS VERIFYING THE WRONG INFORMATION! I then proceeded to dispute the information on my credit report with each bureau ( several times ), and EACH INVESTIGATION returns as verified leaving me to believe either no investigation is happening or Comenity if STILL furnishing incorrect data FULLY AWARE of their own system error. While this may have been as a result of data error from the creditor, it took me no more than a 10 minute phone-call to account services to verify that this account is in fact still open, so between investigators doing the same WITH A CURRENT BILL AS PROOF, there is no reason for these findings. As it is an account with perfect payment history and almost 7 years worth of history, showing it as closed by the creditor has caused undue harm to my credit score and credit worthiness. I have given Comenity MULTIPLE opportunities and an exhaustive amount of time to fix the issue. Through these actions my rights have been violated under FCRA policies and I fully intend to pursue remedies up to and including punitive damages against Comenity
Company Response:
State: PA
Zip: 19401
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have been trying to redeem my credit card rewards for over two weeks now. I am trying to redeem for an XXXX gift card. However, the website will not let me do so. I have spoken to multiple individuals about this issue both at Comenity Bank and at XXXX. No one at Comenity Bank has been able to assist me with this issue.
Company Response:
State: KY
Zip: 40503
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A