Date Received: 2023-01-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have XXXX retail cards through Comenity bank, XXXX for XXXX and XXXX for XXXX XXXX XXXX. I normally pay the balance of these cards in full monthly when I receive a statement or notice payment is due. On both of these accounts, I had not received a statement or notification of payment due or even payment is late notice in over 4 months. I am enrolled in paperless statement so I should have received it via XXXX mail. XXXX weeks ago, I finally got a message saying 'we need to talk '' and when I called, I was told my accounts were both past due and excessive late fees had accrued, both commenity pay, now it is on my credit report, I have excellent credit and now these XXXX cards have damaged me. I paid both off because I got nowhere with customer service, especially the XXXX 's secret.card. I would like the late fees on XXXX XXXX XXXX XXXX account refunded to me and I want both XXXX pay derogatory reporting removed from my credit. I have worked too hard to keep my credit strong and this is unacceptable.
Company Response:
State: NH
Zip: XXXXX
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Lets start off with I shouldnt have to submit another CFPB complaint but here we are. I have a Comenity/Bread XXXX account that I havent been able to successfully log into since XXXX of 2022. I cant even get through on the phones. After my initial complaint I was led to believe late fees would be waived and no late reporting would happen with the credit bureaus. As of today, while filing this complaint I have XXXX late payments on my credit report from this company. They have completely turned around on what they said they would do and Im being penalized for their issues.
Company Response:
State: OH
Zip: 45005
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: 2023-01-09
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: A few months ago, either in XXXX or XXXX, I was emailed a statement by Comenity Bank that I had a balance. I tried to login online and see my statement, as I had done successfully numerous times in the past, but this time I was shown an error message that their website was not working and to try again later. I tried numerous other times throughout the month and was unable to view my statement. Then in XXXX I was emailed that I had a much higher balance, and again when I tried to login to view my statement I was unable to. I do not recall using this card over these previous months. I was then called by Comenity almost on a daily basis in the mornings to pay the amount. I could not answer because I was at work during this time. I tried to call Comenity multiple times when I was out of work, but my phone call was always disconnected before I could speak to someone. About a week ago, I was finally available answer Comenity Banks phone call one morning when they called since I was not busy at work. I asked them to send me a paper statement because I can not view the statement online and I do not recall making any purchases over the past few months. They said they would send a paper statement and I agreed to make a payment by the XX/XX/23 due date if I received the statement in time, and was able to verify that I had indeed made the purchases on the card. I have yet to receive a paper statement, I still can not access a statement online, and I still can not connect with a representative. In the meantime, my credit report and score are being unfairly and severely impacted.
Company Response:
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, Comenity BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: MD
Zip: 20879
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Credit card XXXX offered XXXX % interest rate on balance transfers for XXXX year. I did a balance transfer on XX/XX/XXXX in the amount of {$1700.00}. I was charged {$52.00} as a fee, making the total {$1800.00} as the total promotional balance that would need to be paid off by XX/XX/XXXX. Everything was fine until my XXXX statement in which I was charged a {$2.00} minimum inetrest fee. Every statement I was charged these {$2.00}. I had to e-mail, call, and fight to have these {$2.00} removed every single month beginining XX/XX/XXXX. Their explanation was that I had a remaining balance every month. My remaining balance was that of my promotinal balance. I did always manage to get the {$2.00} credited every month but it was an extreme hassle as they were not honoring the promotion given to me. On XXXX, they then charged me {$4.00} in interest. Once again, the only remaining balance that would be left on the account was the promotional balnce. All other purchases made during the billing cycle would be paid in full. I reached out regarding these {$4.00} and I was told that they would investigate and in the meantime I would not be responsible for the {$4.00}. However they went ahead and added that to my promotinal balance. I have now fully paid off the card 3 months ealry because I can not deal with anymore interest or fees being fraudalantly charged ; I am still owed the {$4.00}. They are liars and have made this a horrible experience and I am sure they do this to many of their customers.
Company Response:
State: FL
Zip: 33014
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/2022 I paid off the card. I called to get the current balance and while on the phone, paid the stated balance off. Lane Bryant continues to charge me and I cant understand their customer service reps. Every month since payoff they add more money to balance. My payoff per their credit card phone system needs to be honored. It should not be this XXXX to do the right thing.
Company Response:
State: TX
Zip: 78703
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I called XXXX XXXX Commenity bank to pay off account and close account and I asked for the full amount due. I paid the amount that was told to me and it should have been the end of it. I had not been late on any payments or delinquent. Then months later the company reported late charges and delinquency. I was furious as I had done my responsibility in paying this in full and had closed the account. As a result of this companys failure to keep proper records or inform me correct my credit report was inaccurate and negatively effected. I reached out to Commenity on 3 different occasions XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get this corrected I was told they were fixing this and that it would take 5-10 days to close the acct and show a XXXX balance but I had previously closed the account in XXXX when I paid the balance in full. Commenity also told me they had no control over what was reported to my credit report and to contact XXXX which I have and filed a dispute. This is unfair business practice and I should not be penalized for this company inaccurate reporting. I want them to correct their error immediately and take responsibility for the mistake. I pay all of my bills on time and this is the only mark on my report since my bankruptcy and I have worked very hard to rebuild my good standing with the credit bureau.
Company Response:
State: WA
Zip: 98664
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: 2023-01-09
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 added XXXX XXXX as an authorized user on the account ( XXXX ) in XXXX, on XX/XX/14 I confirmed she was added with the representative I spoke to. It is reporting to her credit report as an authorized user. When I spoke to the issuer today XXXX at XXXX XXXX speaking with XXXX they stated they are having issues adding authorized users, and that they are not reporting to the credit bureau, this is obviously incorrect so either they are misinformed, or lying.
Company Response:
State: WA
Zip: 98201
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
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 I have the right to privacy 15 US 1681 section 604A section 2 it also 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: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In my XXXX statement it clearly stated I needed to pay XXXX by XX/XX/XXXX to avoid any interest on my promotional balance. I paid {$510.00} on XX/XX/XXXX over the phone with XXXX of their representatives. Now my XXXX statement has interest of {$860.00}. I called their customer service and my calls were dropped multiple times.
Company Response:
State: IL
Zip: 60031
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A