Date Received: 2023-01-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I checked my XXXX XXXX account, and this Hard Inquiry on my XXXX report : " '' COMENITYCAPITAL/XXXX Reported : XXXX XXXX, XXXX {$0.00} In good standing Overview You're currently using XXXX XXXX of your account 's limit. Balance {$0.00} Credit limit $ 14300 Monthly payment No Info Opened XXXX XXXX, XXXX '' '' No Contact number on the Inquiry, only a mailing address, red flag to me, plus I did not apply for a card from them, so I looked it up online COMENITYCAPITAL/XXXX and called XXXX : They could not confirm my I had an account with Name, address or phone number. Ask me for the 16 digit card number, but I have not even received a card. I called XXXX, and they directed me to the FTC XXXX and that referred me to this website. I am not sure what to do? Please advise. Thank You!
Company Response:
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I opened this credit card in store in XXXX and never received it until i had called and they told me charges were made. They did a whole refund on everything and a new card was issued. However, I cut the card up immediately after recieving it never used it and yet charges are still being made through this account. Its completely jacked up my credit score and i dont know how else to go about this situation! Please help
Company Response:
State: MI
Zip: 48091
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: 2023-01-31
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: My mom XXXX at the end of XXXX and Ive been trying to rectify all the financial mess. I began getting multiple ( XXXX times per day ) calls from reps saying they were calling on behalf of Comenity and a Wayfair card account. It has been an absolute assault - calling from multiple numbers, multiple times per day, and having multiple representatives call multiple times per day to threaten me with legal action ( particularly from XXXX ) - it reached a fever pitch this month. Ive requested numerous times- XXXX numerous times and XXXX : XXXX, XXXX, the XXXX and the XXXX- for proof of debt and to stop being harassed. After requesting a proof of debt statement and requesting again to stop being harassed, I received a call on Tuesday XX/XX/XXXX and had a long conversation with an agent that called from the now blocked XXXX XXXX XXXX who identified herself as calling on behalf of Comenity and my wayfair card and using threatening language. I first asked this agent if the call was being recorded and she said yes and i asked her to make sure it was available for review as I was filing a complaint. I then asked her again to identify who she was calling on behalf of and she said Comenity bank re : my wayfair balance. I explained to her I had asked for a proof of debt statement and had told them multiple times I was being harassed by phone calls and threatening messages which I understood was a violation of fair debt practices. Additionally I told her I had requested a proof of debt statement about a Wayfair card and my understanding once that was requested debt collection calls were to discontinue. She argued with me saying she cant control what other agents do. I told her - well - I believe it is a law .. so, Id suggest to Comenity they follow the law if youre saying they dont. We hung up and I was called 4 more times that day from a variety of numbers stating it was Comenity on behalf of a past due Wayfair account and theyd be taking legal action and needed to get a lawyer if I didnt have one helping me.
Company Response:
State: TN
Zip: 37912
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: 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 under 15 USC 1681 section 602 states I have the right to privacy. Along with 15 USC 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: HI
Zip: 96818
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/23, I requested to transfer funds from my HighYieldSavingsAccount at Bread savings bank ( online ). The transfer was blocked by Bread citing security concerns. The message on their website requested me to call them. On XX/XX/23, I telephoned and clarified that the internet access was made using the XXXX, thus, it showed accesses were made from foreign countries but I was not traveling and it was just the XXXX. I was told that the issue was clarified and I could expect the transfer within 3-5 days. On XX/XX/23, one week later I still did not see the transfer. So, I called Bread and inquired. The messages show the transfer was received and should be processed within 1-3 days. On XX/XX/23, I still didnt see the transfer. I sent a message to Bread and inquired. Their rep replied that the transfer should be completed EOB on that day ( XX/XX/23 ). On XX/XX/23, I called Bread and requested a closing of this account due to the inability to move funds out of the account. The rep told me she would process the closing request and send out the funds to my linked account. On the same day, after the rep told me the closure of account and transfer of funds should take place, I saw a message requesting the verifying information on the bank account I requested the funds to be transferred to. I ca ll Bread again and told the rep I uploaded the requested information. She reviewed the bank information and told me that the uploaded document should satisfy the request and account should be closed and the funds should be transferred. But I still see the funds still sitting at Bread a ccount. Nothing has been done since XX/XX/23. They will not release my funds and close the account.
Company Response:
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: below companies accepted inquiries even my address was worng. Unrecognized credit inquires/ possible identity thief 1. XXXX XXXX XXXX a. Inquired onXXXX b. On record untilXXXX XXXXXXXX 2. XXXX XXXXXXXX a. Inquired onXXXX b. On record untilXXXX XXXX 3. COMENITYCAPITAL/OVRSTK a. Inquired onXXXX b. On record untiXXXX XXXXXXXX 4. XXXX XXXX XXXX a. Inquired onXXXX b. On record untilXXXX XXXX 5. XXXX a. Inquired onXXXX b. On record untilXXXX XXXX
Company Response:
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
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: Comenity bank has done nothing to resolve my issue which Ive been trying to get them to fix since XXXX. I have been unable to order anything using my overstock credit card. I was then informed by XXXX of the credit bureaus thats Comenity bank has closed my card but when I log into my overstock credit card as well as call the number in there back it states my account is active and open. I then asked customer service to send me out a new card after learning that the card that I have no longer works but shows active in their system. Then was told due to a system glitch they cant replace my card and they will have IT look into the issue. Okay that was a XXXX ago Everytime I call I get the run around and it draining and annoying. Just fix my credit report my account is NOT closed its clearly open with a XXXX credit limit and I am still waiting on a card. Also everytime I tried adding any authorized users the system would automatically remove then and when I call customer service for them to add it does the same in their end and theyre telling me they dont know why. Well overstock how about you actually do some investigating and fix this issue before this leads for a major lawsuit. Due to this error of my account showing closed my credit report has dropped over XXXX points! I dont want excuses I just want this fixed
Company Response:
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX, I received a suspicious email from XXXX XXXX XXXX XXXX XXXX ( XXXX ), a debt collector stating they were trying to collect on a Comenity Bank debt allegedly owed to XXXX. According to XXXX, an Express Card Account through Comenity Bank was sold to XXXX XXXX XXXX on XX/XX/XXXX. As a result, XXXX a debt collection company, would be collecting on and servicing my account. Per XXXX a Comenity Bank ( Express ) account was charged off on XX/XX/XXXX. However, according to my records, I received a credit card statement on XX/XX/XXXX, from Comenity indicating that a minimum payment of {$XXXX} was due on XX/XX/XXXX. A payment of {$XXXX} was made on XX/XX/XXXX. On XX/XX/XXXX, I logged into my Express Credit Card account through Comenity. I received the following message, " It's critical that you make a payment soon to prevent your account from being closed, charged off, and reported as a bad debt. We offer payment options that can restore your account to good standing, but it is critical that you set up a payment option immediately. '' I was provided several payment options, including making a stay payment of {$XXXX} to prevent further collection activity. I made this payment of {$XXXX} and received the following confirmation, " This is a confirmation of your one-time payment authorization made on XX/XX/XXXX to Comenity Bank XXXX Please save a copy of this for your records. Comenity Bank will apply this payment to your Express Credit Card account and, pending final authorization from your bank, a single XXXX electronic debit in the amount of {$XXXX} will be deducted from your bank account on XX/XX/XXXX. It XXXX take XXXX additional business days to complete the funds transfer. '' However, on XX/XX/XXXX, I received an email from XXXX indicating that my Express Credit Card account had been charged off on XX/XX/XXXX, and sold to XXXX on XX/XX/XXXX ( a day after the payment authorization of XX/XX/XXXX for the stay payment of {$XXXX} ). On XX/XX/XXXX, I logged into my Express Credit Card account through Comenity and again received the following message, " " It's critical that you make a payment soon to prevent your account from being closed, charged off, and reported as a bad debt. We offer payment options that can restore your account to good standing, but it is critical that you set up a payment option immediately. '' My options were to make a past-due payment of {$XXXX} or the minimum due of {$XXXX} on XX/XX/XXXX. I scheduled a payment of {$XXXX} to be deducted from my bank account on XX/XX/XXXX. I closed my Express Credit Card account on XX/XX/XXXX, due to the economic impact of XXXX and the difficulties I encountered with obtaining account protection benefits through XXXX XXXX A previous complaint was filed with CFPB against Comenity ( XXXX ) and the Account XXXX program. Last XX/XX/XXXX, I again encountered difficulty making payments through the Comenity website due to technical issues on their end.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was Notified the end of XX/XX/2022, that my zales account missed a months worth of payment in XX/XX/2022, which shouldnt have happened because I had The account in autopay, when I checked My bank acct the payment had successfully went through on my end. My emails showed that the payment went through but for some reason the credit card was showing missed after sending emails stating it had been paid! I have Bank transactions that show proof it was paid and deducted from my account! I have Been going back and forth with this company for over 6 months now about fixing this issue. They had a system upgrade which caused plenty of glitches to happens for a few months and this is clearly one of the issues. On my credit report its saying that I missed XXXX payment but then on another its stating I missed XXXX and XXXX was paid for. Both discrepancies are incorrect because they were both paid. Because of this my credit score has plummeted XXXX from a missed payment which is ridiculous! The company has yet to try and help solve this issue, they keep responding back saying they will get back with me soon, sorry for the delay. They keep asking for the same evidence to be sent over again and again. Its like they are hoping I will Leave it alone but I refuse To because this is not right! I am attaching all of my correspondence with this company to get this issue resolved properly.
Company Response:
State: CA
Zip: 90813
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: COMENITYCAPITALBANK/XXXX- Credit Limit {$12000.00} ( Opened XXXX XXXX ). I reported this as fraud. My identity was stolen. My name is XXXX XXXX XXXX And the address that is linked to this account, I have NEVER lived. Also I was XXXX from XXXX. I have documents to proved. I also have a signed and notorized affidavit confirming my identity and this account not being mines. I need it deleted of my reports. If you check the XXXX XXXX search website, you will see I was released from XXXX XX/XX/2022. XXXX # XXXX
Company Response:
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A