Date Received: 2023-01-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Set up payment plan for outstanding balance and continued to receive calls from Comenity bank multiple times a day dating back to XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Also suspect calling from unknown caller several times a day.
Company Response:
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I am trying to get a statement as supporting documentation for my credit union to pay off this credit card. I have called to request the statement because the statements available to obtain are only until XX/XX/2022 and my bank needs a recent one. The rep at the credit card company said they dont have access to it due to them getting a new system. I spoke to a supervisor who put in a ticket to request the statement and I am still getting nowhere. They keep asking me to call for a payoff but my credit union needs a statement as supporting documentation.
Company Response:
State: MO
Zip: 63129
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I was offered an XXXX XXXX XXXX by Comenity bank in early XXXX. I carried a XXXX balance, never used the card. They charged a yearly membership fee of {$170.00} which I never authorized, and it was paid regardless, back in XXXX. Now the real problem. According to their website, the XXXX XXXX XXXX program ended in XXXX. Accordingly, I have no statements after XX/XX/XXXX. That was my last statement. But my account stayed open and they were charging {$2.00} per month fee. They have now just reported my account 60 days late on {$14.00} worth of fees. Even though my account has no statements since XXXX. Please see the website. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX program has ended, effective XX/XX/XXXX. Because of this, we are no longer accepting new applications for the XXXX XXXX XXXX program. Existing cardmembers will receive additional information about what this change means for your account. " I never used this store card, which had a credit line of {$10000.00}. Attached are the last statement posted on my account, and also transactions proving I paid full balance in XXXX. Then the {$2.00} fees they kept charging on an account that according to them had ended.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid off my Davids Bridal account in XXXX XXXX XXXX. It has since been closed. I called in XXXX because it was still showing in my credit report and they said it would be taken care of. It was not so I called again in XXXX and they said by the end of the month and it was not. I called again today and they just did not help me.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I got an alert on my credit report that my address has been changed and a XXXX credit card was used to make {$3600.00} in purchases from online that I never spent. The bank wouldnt give me any information. They did give me a phone number associated with my credit card and an email address that was changed using their website. Someone has my social security number and logged into my account changing all of my information to make these purchases. I never received a bill nor did I make purchases. I filed a police report and sent it to the bank. They still said it was my debt! I need help. Someone has my social security number
Company Response:
State: OH
Zip: 43147
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: A statement and payment were sent to Comenity Bank XXXX XXXX from XXXX, Texas to XXXX, Texas on XX/XX/2022 for {$160.00}. The payment was not processed until 6 days after it was considered past due on XX/XX/XXXX. The expected delivery for the payment was XX/XX/XXXX. Due to this late process of the payment, my account is not showing as past due. I contacted Comenity Bank to run an Off-cycle Report so my account shows as up to date, but they refused.
Company Response:
State: TX
Zip: 76209
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Got an email from XXXX XXXX saying a card had been added to my credit report. It is from Comenity Bank under XXXX Account # XXXX It was opened in XXXX of XXXX and charged XXXX to the card. I did not apply for the card nor have I shopped at XXXX XXXX I have disputed this with XXXX along with XXXX and XXXX XXXX advised me to go to ftc.gov and that lead me to you. I appreciate anything you can do to help me with this. It has dropped my credit by 160 points
Company Response:
State: TX
Zip: 76114
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2022, XXXX notified me that a creditor received a copy of my credit report, however I did not apply for credit. ComenityXXXX XXXX XXXX also sent a notice of denial to an address I have not used in over XXXX XXXX, using a last name that I haven't used since XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX who advised me to notify the FTC.
Company Response:
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
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: Complaint against Comenity Bank & Bread Financial : Purchase at XXXX XXXX was made on XX/XX/XXXX. Comenity Bank XXXX Bread Financial charged the wrong total amount and the wrong monthly payment, which amounts were also at variance with XXXX 's records. Visited XXXX stores several times and spoke with Comenity Bank/Bread Financial on the phone in the store during XXXX trying to resolve the issue to no avail, Called Comenity Bank/Bread Financial on XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX XXXX, and XX/XX/XXXX ( all in year XXXX ). Dispute case was opened internally by Comenity Bank/Bread financial in XX/XX/XXXX. According to Comenity Bank/Bread Financial staff who identified themselves as supervisors, specialists, and managers- as conveyed over the above listed phone calls- Comenity charged 4 different payment plans against one account and one purchase, resulting in an incorrect total account balance due and incorrect monthly payment. This information was supposedly not discovered by Comenity Bank/Bread Financial in late XXXX, all previous attempts they could not figure out why the amounts were incorrect. Each month I was assured that they had 'resolved ' the issue, the total amount charged to my account and the monthly minimum due both changed radically, even to the point of being charged more than XXXX above the purchase price paid at XXXX XXXX XXXX To date ( XX/XX/XXXX ), the minimum monthly payment still is not correct despite speaking with Comenity Bank/Bread financial supervisors, specialists, and managers multiple times. My dispute has had no resolution and all the agents I speak with indicate that the people handling the dispute are another department and they can not contact them realtime, nor transfer me to them for resolution, and they are very backed up, so there is nothing I can do but wait. It has been nearly 4 months with no contact from this so-called resolution department.
Company Response:
State: UT
Zip: 84044
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My credit report shows that XXXX points were taken off my credit score on XX/XX/2022, and the last company to run my credit score was XXXX XXXX XXXX XXXX in XXXX XXXX XXXX by a manager/salesman through Comenity bank and XXXX and I was denied the financial loan for XXXX rings. I recently got mail from XXXX of the Finance companies ( Comenity Bank ) stating that I was denied for Fraudulent behavior on my XXXX score, letter was dated XX/XX/2022 and my Alert for the XXXX was dropped on XX/XX/2022 per XXXX and XXXX Report. The last company before this occurrence was XXXX XXXX for a credit card I was approved for.This fraudulent activity can only be linked to XXXX XXXX Jewelry and Comenity bank and/or XXXX. Comenity bank report to XXXX. Me and my has been looking at out credit reports per all three credit bureaus and there are very weird companies and credit runs from around that time as well as, Comenity bank shows up on my wifes soft inquires on XX/XX/2022 and we only was introduced to that finance company on XX/XX/2022 At XXXX XXXX XXXX XXXX. A month after that first soft inquire was dated as. Comenity bank popped up twice on mine for that day XX/XX/2022 on my soft inquires. This Still has not justified the XXXX points taken out on XX/XX/2022. We have noticed alot of soft inquires from various companies on my wifes credit report per XXXX since then. In which per XXXX they have her social security number incorrect as well. We do believe ( not sure ) that this Fraudulent behavior does has to do with the manager/Salesman and the Comenity bank. I would like to open up an investigation on the behalf of this and pursue legal action for this behavior. The XXXX was the one that ran us for the loans, Comenity bank is showing odd behavior with there deny on me and ONLY being on my soft inquires as well as showing up on my wifes credit report a month before they were introduced to us and the XXXX points that are not justified, seeing how I was denied before the date XXXX reported and verified the points were taken off my credit score. Also, I would like to speak with an agent regarding this matter, due to the fact there is more information regarding this matter, personally. This is 100 % fraudulent behavior and needs to be handled!
Company Response:
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A