Date Received: 2023-01-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Someone opened an account under my name through comenity bank with a charge of XXXX something dollars
Company Response:
State: NY
Zip: 14226
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Upon checking my credit report, I noticed that {$5500.00} credit usage was applied on my credit report. Creditor name is COMENITYBKXXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I never apply or attempted to apply. I reported it to XXXX XXXX XXXX Also, I called the Comenity Customer Care ( XXXX ) on XX/XX/23, but unable to reach them due to long waiting time over the phone.
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged late fees on a Land 's End credit card account managed by Comenity Capital Bank because they had not received payment for a previous bill. So I called the company and told them my bank 's ( XXXX XXXX ) bill pay had sent the payment XXXX days before the bill was due ( XXXX XXXX ) and that I could send them a copy of the transaction. They agreed to waive the late fees and I paid the bill over the phone by giving them my checking account numbers ( XXXX XXXX ). I then cancelled the initial check which we all assumed had been somehow lost. I then got another bill with a returned check fee ( {$30.00} with interest ). When I called the company and talked to a supervisor he told be they had received the check XXXX XXXX, a full month after it had been sent by XXXX and that due to certain banking regulations the returned check fee couldn't be waived. From my perspective there seems to be XXXX dubious practices here by the company : ( 1 ) they said they didn't receive my check in the mail for over a MONTH after it was sent by my bank ( and then they tried to deposit it AFTER I had paid my account in full ) and ( 2 ) they couldn't waive the returned check fee due to certain banking regulations that apparently apply only to Comenity. The latter was their response when I told them XXXX was willing to credit my checking account for the returned check fee. I did file a complaint with the XXXX in XXXX, OH, which is where Comenity 's headquarters are located. That site indicates some XXXX complaints have been filed against the bank in the past XXXX years, resulting in the bank receiving the lowest possible accreditation rating ( F ) from the XXXX So I don't really think Comenity cares anymore and that someone, somewhere needs to protect consumers by either getting them out of the credit business or fining them, or both.
Company Response:
State: IL
Zip: 61761
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I sent a {$2000.00} payment on XX/XX/XXXX to Commenity Bank for my XXXX Mastercard that did not post to my account until XX/XX/XXXX. I called the company on XX/XX/XXXX and they claimed they never received a payment. I then sent a payment for over {$4000.00} to pay off the card and sent it certified mail. The first payment then hit on XX/XX/XXXX, almost a full month after I sent it. I then checked my certified mail receipt and found that the company had received it on XX/XX/XXXX. They did not post the payment until the 10th, collecting more interest. I immediately called and ask for a refund and explained the situation. They said they would issue a refund but it could take up to 15 days. I also said I wanted a refund of the interest charged since they didn't post either when they were received. They submitted a investigation and sent me something that said they confirmed it was received on the XXXX which is not true. At that time they said they would send my refund but it would take another 15 days. I spoke with a supervisor, XXXX, just now and it still has not even been issued. I have proof of receipt and they have been holding my {$2000.00} for almost a month.
Company Response:
State: NC
Zip: 28401
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A hard inquiry was made on my credit report on XX/XX/ by XXXX XXXX which I did not authorize. On my credit report it shows that a credit card was opened on XX/XX/ which I did not authorize. Account info Account name XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XXXX Status Open/Never late. Status updated XXXX XXXX Balance {$4300.00} Balance updated XX/XX/ Recent payment $ 0 Monthly payment {$44.00} Credit limit {$4300.00} Highest balance {$4300.00} Terms NA Contact info Phone number None provided Address XXXX XXXX XXXX XXXX XXXX XXXX Since no phone number is provided, I was unable to call them. I've reached out to XXXX to report this fraudulent activity and they recommended that I file a report online.
Company Response:
State: VA
Zip: 20152
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I accidentally missed a payment on my Torrid store credit card. I received a call from someone collecting for Commenity/Bread Financial XXXX The caller 's behavior was unprofessional and more importantly violated FDCPA. FDCPA violation details : The caller did not identify himself by name or that he was collecting a debt. Did not tell me he was calling on a recorded line. Did not verify any personal information other than saying my first name and waiting for me to respond to it. He then stated the balance due and my checking account information without any verification. His lack of professionalism made me uncomfortable and I declined to make a payment with him and instead scheduled a payment on the website. Follow up attempt with the company details : I called the company directly to address the issue. First person I spoke with pressured me to divulge details of the payments I scheduled on the website ( 1 for the same day to bring the account current and 1 for the due date for the regular monthly payment ). He stated he couldn't see the payments scheduled. I explained they were scheduled and I was calling to get information about the call I had received and that is what I wanted to discuss at this time. Rep transferred me to a supervisor who was very nice and knowledgable but explained she needed to get me to a higher level escalation team because FDCPA violations are out of her purview. There was no one available, so we left it at she'll have someone call me back.
Company Response:
State: OH
Zip: 44095
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Comenity bank continues to harass me even though I have an open complaint with your office. They are supposed to resolve the issue but continue to leave me harassing messages to pay them, please help!!
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the three bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation, they have yet to respond to me and continue to reject removing these false entries from my credit record.
Company Response:
State: FL
Zip: 34743
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Dear CCB/CHILDRENS PLACE ; I was shocked when I reviewed my credit report and found late payments on the dates below : IN 2022. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly COVID-19, and being XXXX with XXXX, XXXX XXXX XXXX XXXX XXXX lately, and loss of XXXX, etc. My only thought is that my monthly statement did not get to me.
Company Response:
State: MA
Zip: 02121
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have been attempting to use my Express store credit card issued by Comenity Bank for several months now, both in-store and online. Each time the card is declined. I have called Comenity Bank many times. The first time, I was told that the card needed to be replaced because it used 9 digits as the card number and they were replacing the card and account with a 12 digit number and a new card would be sent to me. After several weeks and not receiving a card, a called again and was told that there was a glitch in the system and the card was not sent but they would be sending it out that day. After several more weeks without receiving a new card, I called again. This time I was told that the account was restricted. I was transferred several times. Finally, I was told that the only note on my account was to contact the credit bureaus with no other details. I contacted all three major bureaus via phone. Two of them had no idea what I was talking about. The third one said it looked like a different Comenity Bank card had an error as it said my balance was {$10000.00} more than the limit which shouldn't be possible. I filed a dispute. Several weeks later the company verified that it was an error ( there was no balance ). Again, this was a completely different account. Once I verified that it was corrected on the credit report, I called Comenity Bank again, again having to re-explain everything. I was told that no manger was available but that the account was still restricted with no notes as to why in their system. I have called 2 more time since then and each time I am told that there is no manager available or that the correct department is at lunch, and to call back after another 3 business days. I have now called more than a dozen times and am still no closer to getting a working card or account, or getting an explanation as to why my card/account number will not work. I have verified that the account is in good standing and that there is no balance both on the Express Comenity Bank website and on my credit reports. I have been told that I can not close the account because it is frozen due to the restriction and that I can not open a new account because I already have one open.
Company Response:
State: CO
Zip: 80817
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A