Date Received: 2023-01-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have a XXXX XXXX XXXX XXXX that is in good standing and all payments have been paid on time and the full amount. XXXX XXXX XXXX Comenity Bank, now Bread XXXX ) reported that I had settled the account with the credit bureaus. This is inaccurate I did not settle this account, it is current and in good standing. When I tried to get help from XXXX XXXX credit card customer service they would not give me any assurances that they would correct the reporting.
Company Response:
State: CO
Zip: 80108
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On the date of XX/XX/XXXX, I checked my credit report as I normally do monthly. I noticed that i had inquiries appearing on my credit report that I was unaware of. I reached out to the credit reporting companies and was told to file a police report, in which I did and faxed it over. Unfortunately this issue has not been resolved. I have once again listed the inquiries that appear. XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33430
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I lost my card and report it together with unrecognized charges of {$190.00} on XXXX Company worker assured me that the charges will be immediately removed and investigation initiated. Also she told me that i will receive the letter with confirmation and instructions regarding this dispute. I still did not receive any and charges still not removed. I called company again ( XXXX ) and asked them for explanation. They lied to me again, saying that system had a glitch but they will remove it immediately and send me a letter. Of course as of today ( XXXX ) charges still there and no letter received ( see attached screenshot ). I have date and time as the names and confirmation ( ticket number ) of those conversations. This company ( Comenity Bank XXXX XXXX XXXX ) also stole my rewards money and when I made complaint ( XXXX ) they gave you willfully false statement that they need 60 days to respond. this company commit a fraud and trying to drag the time to put customers in trouble with credit bureau and other institutions.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: i Initially receive the offer for the card at XXXX XXXX so i applied for a discount everything was fine at first this was in XXXX of XXXX i then waited to receive a bill or the card in the mail so i would be able to pay my balace of XXXX dollars i funded on the card. in early XXXX i got my first phone call from cominety bank i picked up the phone and they hung up right after the phone was answered i get about XXXX of these types of calls per day since the first occasion. i tried to call their numbers but the same issue i check the mail daily for a bill or card to log onto their online portal to no aval. Around XXXX XX/XX/XXXX i was finally able to get in contact with the company they wanted me to give my debit card information over the phone to one of their employees i refused due to security concerns and they told me my balance was now well over XXXX dollars and they would be sending it to collections soon i just want to pay this original balance and be done with this predatory company.
Company Response:
State: WA
Zip: 98383
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The entity, Comenity Bank, is the servicing custodian for in this case, the XXXX XXXX issued under the XXXX XXXX marketing banner. I made a wire transfer to them which as their paperless statement indicated was processed on XX/XX/XXXX, well within the timeframe set forth for the due date. However, after perusal of my XX/XX/2023 closing date statement, I see where the computer has accepted my payment, charged a late, returned check, AND a REFUND check charge. Also, my grand total of fees charged for the year is not {$90.00}, but rather 30 dollars. Even after intervening on my behalf, their reticence to hear my interrogatory led me to seek a more studied advocate.
Company Response:
State: SC
Zip: 294XX
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: I received a letter in the mail on XX/XX/23 about a recent application that I did not apply for from Capital Comenity Bank. I have tried calling for 2 days and no one will answer the phone.
Company Response:
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Called Comenity Bank regarding a XXXX yearly fee for a card they administer for XXXX XXXX XXXX XXXXXXXX. I called approximately XXXX weeks before the due date ( XX/XX/23 ) to request that the card be canceled. I subsequently received a letter from Comenity bank stating that the XXXX XXXX XXXX XXXX XXXX had been closed. They also state in this letter that my current balance is XXXX, and you will continue to receive monthly billing statements until any balance is paid in full. This is an annual fee for a card that is now closed. They basically threaten to ruin my credit- listing all the credit reporting agencies as intimidation. Please keep in mind that I canceled the card prior to the due date on my statement.
Company Response:
State: NY
Zip: 11731
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with monetary relief
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: complaint about an unsolicited credit card in my name this card is from the bank Comenity Capital Bank / XXXX XXXX was requested on XX/XX/XXXX and the card arrived XX/XX/XXXX to my address the amount of the credit is $ XXXXCall the company to report the fraud with the account protection department they canceled the account and reported the fraud They also checked if there was another account under my name but they did not find anything, according to them they had not used the credit line yet, the person who served me suggested this FTC site to report fraud on my credit.
Company Response:
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Threaten to/sued me for a debt I wasnt informed of. Threatening to harm my credit and impact it to harm my daily life which caused stress and XXXX
Company Response:
State: LA
Zip: 70805
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: In XXXX XXXX I placed an order with XXXX and paid balance in full in XX/XX/XXXX through their online system and the balance showed that it was paid in full. Since then, I placed an order purchasing goods through XXXX in XX/XX/XXXX online and was not told there was a XXXX outstanding finance balance on my account. I was reported to the credit bureau that I was delinquent in XX/XX/XXXX. On XX/XX/XXXX I received a text message to contact Comenity Bank and immediately called them and paid the supposed outstanding balance. This is an error of communication on XXXX and Comenity Bank and should not negatively impact my credit report. In good faith, Comenity should relinquish their negative report which has negatively impacted by credit score. As a result of lack of communication from XXXX and XXXX Bank, I have closed my account through XXXX.
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A