Date Received: 2022-12-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Comenity Bank XXXX Bread XXXX I have multiple store cards through this bank and I am unable to access any of them through the online portal. I cant see my statements ( I receive electronic statements only and I cant get in to change it back to paper ), I cant check for fraudulent charges, I cant pay my bills, I cant update my address, etc. I have at least 6 accounts managed by Comenity and I cant access any of them. This has been an ongoing sporadic issue since the migration from Comenity to Bread in XXXX of 2022. This is incredibly frustrating. Additionally, this bank has closed 3 store cards this year, for inactivity, with NO warning to me first ; this negatively impacted my credit. I need answers as to when I will be able to access my accounts again through the online portals. I even tried using the XXXX feature, which doesnt require you to login, and I still got an error. They make it impossible to pay them so they can charge late fees and more interest.
Company Response:
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a purchase at XXXX department store in XX/XX/2022 for {$82.00}. I paid the bill through my online bill pay with XXXX bank. XXXX cut the check and mailed the payment on XX/XX/2022. Comenity bank claims they didn't receive the payment until XX/XX/2022 which resulted in a {$29.00} late payment. I contacted comenity protesting such a large late fee and questioned whether they actually received it late. I received to satisfaction I reluctantly paid the late fee which was processed by XXXX and mailed XX/XX/2022. This time comenity claims to have received the check XX/XX/2022 resulting in another late fee of {$29.00}. I contacted comenity in writing and questioned why the delay in their processing the check from XXXX. They responded with the attached letter on XX/XX/2022. In the meantime they continue to charge late fees upon late fees. See attached printout. This is exactly why the CFPB is established for. This is not a matter of a consumer refusing or being able to pay a debt. It is a theft by an institution against a consumer.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received an email the morning of XX/XX/2022 from one of my credit unions stating that I have a new credit alert and that a new trade line has been opened in my name. I did Not open or authorize this! I tried signing into the link associated with the alert from XXXX XXXX who is affiliated with XXXX and they monitor my credit report and send me updates through my credit union. When I tried signing in, I was told that there were too many attempts and that I had to reset my password. That let me know that there was some possibility of someone else trying to access my account as well so I follow the prompts to change my password for the credit union. However the credit union and the Store credit card that Has the FRADULENT Trade line are not linked so I have no idea whats going on here its confusing and the next thing I did is started changing things like login information immediately and making phone calls. The store company that has the trade line is called XXXX XXXX and i dont know who is doing this because there is no track or trace of an inquiry. I do have a XXXX XXXX credit card and dont want to lose it so I just want the fraudsters to get off my credit with the trade line that I didnt authorize
Company Response:
State: IN
Zip: 475XX
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have sent a letter to all 4credit bureaus and XXXX, stating this debt has been paid in full since 2021.
Company Response:
State: MS
Zip: 39046
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
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: I submitted proof that debt was paid, but information has not been corrected on credit report or company. XXXX
Company Response:
State: MS
Zip: 39046
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have the following 2 credit cards that show large outstanding balances : The XXXX and XXXXXXXX XXXX XXXX XXXX Both of the companies have not reported since XX/XX/2022. I have called both of them several times to update the balances and they said that it was a computer glitch and it would be fixed within a week. The XXXX has a XXXX balance and XXXX XXXX XXXX XXXX has a {$900.00} balance. I filed a dispute with XXXX XXXX and it still has not been resolved. I am in the process of refinancing my house and its affecting my interest rate. Thank you in advance for any assistance you can provide. Its very frustrating!!
Company Response:
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in acoordance with the credit reporting act this creditor comenity bank account number XXXX violated my rights under 15 u.s.c 1681 section 602 i have the right to privacy. 15 u.s.c 1681 section 604 a section 2 states the consumer reporting agency can not furnish an account without my written instructions. Under 15 u.s.c 1666b a creditor may not treat a payment in a credit card account under an open and comsumer credit plan as late for any purpose. Update on all three credit agency bureau XXXX, XXXX and XXXX
Company Response:
State: FL
Zip: 33012
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
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: Pursuant to my previous two complaints filed here, Comenity Bank has most recently responded by urging me to send them a letter requesting the opening of a dispute. I have no intention of playing their games any further ; when I originally contacted them months ago my intention was to open a dispute. I had been under the impression that this was already resolved, until the events that prompted me to make my last complaint here to CFPB. I badly require assistance in this case, because every time I raise the issue with Comenity Bank they hand it to some new person who has no idea what is happening. All I know is that they lie to me and they stonewall the case. There was nothing that I ever did wrong, I have my outstanding credit card bill with them, I am a timely payer and have never missed a payment. They manufactured a problem and are now trying to cause me grief. Please! Please do something other than forwarding the complaints to that company ; they are not going to do anything other than to attempt to place further burdens upon me. I am severely XXXX and am an elderly man. I'm worried that this business is going to affect my future monthly payments.
Company Response:
State: IL
Zip: 61265
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXXXXXX XXXX XXXX service by Comenty Bank, My store card had no activity since XXXX, In XXXX of XXXX a membership fee of XXXX was billed to the account with no authorization from me. I have tried to resolve this issue with XXXX and the bank, but to no avail. My credit score has been reduce XXXX points because of their error. I am ruined.
Company Response:
State: CA
Zip: 90703
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I was just notified that my credit card is several months past due. I had it set up for auto pay with XXXX XXXX XXXX sold that card division to Commenity bank and My {$14.00} original purchase never got paid. Because the amount was so small and the bank was going through a conversion apparently it didn't get reported right away and was allowed to go several months past due and now is reporting on my credit as over 120 days late but this is the first i'm hearing about it from commenity bank and it never reported on my report as late before. I called in and spoke to a supervisor and he could see I had a perfect payment record before this happened. I paid the full amount while on the phone with him and he said to send a letter to the corporate office to see if they can have all those negative non payments removed and restore me to paid on time.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A