Date Received: 2023-01-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX a card was opened with ComenityCB/GoodsXXXX for {$3100.00}, I received the alert to my XXXX account and began to take proper measures to freeze my accounts. I am making this report and I will be making a police report and calling XXXX and XXXX to freeze as well. This account was not opened by me and it is fradulent.
Company Response:
State: CA
Zip: 91331
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I made an order from the XXXX place lasXXXX XXXX XXXX that was stolen from my front porch and captured by my ring door bell. I submitted a request for a dispute on the charges to the XXXX place XXXX XXXX The company was to notify Comenity Capital bank of the dispute. I have spoken many times to reps and supervisors at the bank who are very rude and condescending. I can not get my point across to them that they are billing for merchandise I never received. They send me in a vicious cycle back and forth between the bank and XXXX XXXX with no resolution. I really need your assistance at this point before I suffer a XXXX from the stress and my XXXX XXXX XXXX. I am a XXXX XXXX XXXX senior citizen caught in the middle, thank you!!
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I have paid my COMENITYCB/BJSCLUB in full last year. Now they are calling me for XXXX dollars
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Comenity Bank has taken over account from XXXX XXXX XXXX for XXXX XXXX. My account was closed with Bank XXXX XXXX so when the transfer happened i was not to be issued a card with Comenity. I have been trying since the conversion to get online access so I can easily monitor and manage my account balance. I have been made numerous calls to Comenity to get online access. They even one time send me an email with to give my my number, but the email was to a secure online portal on my account that I can not acces. I have been given a total of three different account numbers that do not allow me to register for online access. I want to have online access so I can set up automatic payments, monitor my account and make extra payments as I choose. The latest correspondence is a letter dated XX/XX/30 with an account number that I am to use to make payments, again not able to use to set up online access. I called, requested to be transferred to the US and talked to an XXXX who informed me this number is incorrect, the last 4 digits is correct, but the beginning is incorrect. She also informed me that I would never be able to have online access because my account is closed. When I told her that was unfair, she said I can't hear you and the call got disconnected.
Company Response:
State: OH
Zip: 457XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This small account was opened under my name and information by a minor. It was brought to my attention through a credit monitor service and I paid it off and the account was closed. It doesnt look good on my credit. Ii have attempted to get it removed and have received no help. Its handled I just would like it removed.
Company Response:
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
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: This is my second complaint for this card. I closed this card on XXXX due to fraud. On XX/XX/XXXX my card was charged XXXX separate times. Plus an interest charged resulting in {$3400.00}. This has caused my credit to drop again. I'm so fed up with this company my next step will be a lawyer. This company is ruining my credit!
Company Response:
State: NC
Zip: 28562
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have an unauthorized hard inquiry from comenity/ XXXX. I monitor my credit regularly, and as soon as I saw this I disputed it with XXXX and that did nothing. I also tried to call the company but keep getting transferred to a line that stays an hold for very extended periods of time. This is the phone number I called for the credit card company XXXX. XXXX was the only bureau where I didnt have my credit frozen, and I now do. I have not sought to open any credit cards or lines of credit in many years. This is absolutely not authorized by me.
Company Response:
State: OH
Zip: 44136
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There were two problems : 1. XXXX card sent to me in mail. I did not apply for the card. Resolution : Called XXXX XXXX. The card was cancelled. 2. XXXX XXXX application started in my name. XXXX ( Comenity ) sent me a letter asking me to confirm the opening of the account. Resolution : I called Comenity bank customer service and was forwarded to the account protection line. However, I was on hold a considerable amount of time and hung up. No one answered. There doesn't appear to be a way to resolve the issue through email either. I have placed a lock on my credit report, so hopefully, this will keep additional attempts to use my identity to open accounts.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have filed a dispute with Comenity Bank on XX/XX/XXXX. Dispute # XXXX. BJ 's Credit card. On Sunday, XX/XX/XXXX, I tried to use my card. It was declined at store. Came home to call customer service on XX/XX/XXXX. They indicated that my bill was no paid. I believed that my payment was lost in mail and agreed to pay bill immediately over the phone with current balance. I always pay my bills in full. Next day I went to my bank at XXXX XXXX XXXX to put a stop payment on check. At that time they indicated to me that the check was cashed by Comenity Bank on XX/XX/XXXX before due date. On XX/XX/XXXX, I called and filed dispute. On XX/XX/XXXX, I was told by Comenity Bank the only way to reach them was by mail. So I mailed them a letter with dispute # and account information explaining the situation. Also included copies of my bank statement and copy of the bank transaction detail that indicated check #, trace number, account #. Transaction #, Status, Queure/application, Description check payment to Comenity Card accounts. I have called several times since called Customer Service Dept. They keep saying that they have 90 days. Also indicated that we can not speak to anyone in the dispute department only mail. They have no information other than a dispute was filed and they did receive my letter on XX/XX/XXXX with the information I mailed. Only received XXXX letter from the Dispute department dated XX/XX/XXXX that they will notify me of the finding. Customer service is no help. It will be 90 days on Sunday, XX/XX/XXXX since I filed the dispute. As of today, have only XXXX correspondence from Comenity Bank dated XX/XX/XXXX. The last call I made was on XX/XX/XXXX -only spoke to Customer Service again. Asked for XXXX XXXXgot same answer they have 90 days. Asked as a consumer what can I do. They said nothing. Just have to wait or contact dispute department again by mail. I don't understand how a bank can keep your money for 90 days? When information was given to them that proved that they cashed check?
Company Response:
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX The above company is reporting an account on credit report that is not accurate and I have no knowledge of the account. Comenity/LandsEnd started reporting and account XX/XX/2022 with {$8200.00} limit with a $ XXXX balance with no payments. I have never opened this account and have always made payments on time 100 % of the time. Credit rating went from XXXX to XXXX. I work in finance and livelihood depends on maintaining my good credit rating. When disputed through XXXX only response received was Your account. Tried multiple times to dispute the account with XXXX themselves and try and get them to flag account however after countless calls waiting on hold for XXXX minutes to hours each time no one ever answers.
Company Response:
State: FL
Zip: 33813
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A