Date Received: 2022-12-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid my Torrid Credit Card balance to XXXX XX/XX/2022, to date the XXXX balance has not been reported to the credit bureaus. I called the company on XX/XX/XXXX to find out why and they told me they had a " system update '' that prevented the account from being reported properly and advised they would do a manual update in 2 days, as of this morning they card is still not reporting a XXXX balance. I've also had another XXXX balance statement generate since payment in full. If I was 30 days late, on day XXXX they would PROMPTLY be reporting my delinquency, I expect my payment in full to be reported JUST as promptly.
Company Response:
State: MS
Zip: 39208
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: My card was paid in full however the company refuses to update the credit bureau reflecting as such. They have reported balance increases but are not reporting decreases. I reached out requesting they show that I've paid and they said they have stopped reporting to the bureau. I paid my card off because I am trying to improve my credit but the refuse to update the report. There was never any information sent out detailing they would cease reporting. I believe it is unfair that creditors can report new debt immediately but then refuse to report payment history and updated/balance decreases. This is unfair to the consumer. In addition as a generalized statement creditors as a whole should be able to update account decreases immediately just like they can report increases..it should take months to reflect a paid in full balance. This is an unfair practice to the consumer.
Company Response:
State: TX
Zip: 75077
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a BJ 's Perks World XXXX through Commenity Bank. In XX/XX/2022, Commenity Bank performed what they referred to as a system upgrade. The card offers reward dollars for purchases and then it is supposed to appear on my BJ 's club account to be used in store. While the upgrade occurred, rewards are not appearing on my BJ 's in store club account. There is a message on Commenity bank rewards page that says the following : Were working hard to fix the rewards issues caused by our recent system update. Please know that this issue regarding your rewards program is temporary. We are committed to resolving this matter quickly and providing you with updated rewards information as soon as possible. Go to BJs.com/account/rewards to get your most accurate and up to date balance. I have been calling Commenity Bank as well at BJ 's member services since XX/XX/2022. I have recently been calling every four days since the beginning of XX/XX/2022. I have owed over {$230.00} in rewards and keep being assured it will be credited to my account in three business days. This has been going on for more than six months.
Company Response:
State: OH
Zip: 44708
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2022 I got emails to my work email account congratulating me on my new credit card that I did not apply for with XXXX, XXXX and Comenity Capitol. I contacted each lender, some have been more helpful than others. All have cancelled the accounts and applications, removed hard inquiries on my credit report and reported fraud but one, Comentiy. Put a freeze and fraud alters with all three credit reporting agencies, called my existing credit card companies, banks, and local police department. I plan on contacting the IRS, DMV and social security offices to help protect myself from future fraud. Not sure what else I can do to protect my identity.
Company Response:
State: CO
Zip: 813XX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I called XXXX requesting the following hard inquiries on my credit report that I DID NOT authorize be removed immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that I would have to have the companies remove them. Both company and creditor is sending me back and forth.
Company Response:
State: IL
Zip: 60477
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have several Commenity Bank accounts BJ NewYork and Compnay torrid Lane Bryant They did a computer upgrade or merger in XXXX or sometime near then they have yet to update consumer Credit file Ive called several times requesting my account info be update corrected.. I was told we are working to resolve, it will be next update, we are handling its now XXXX.. I still several accounts that are paid in full and Im showing a balance on my credit file .. as a consumer I should have to do a dispute to get my report updates the last update from commenity bank was in XXXX thats unacceptable
Company Response:
State: MI
Zip: 48207
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a dispute with Comenity Capital Bank on XX/XX/22. I recently received an incredibly vague letter from them on XX/XX/22 referencing the dispute in question. However, they failed to provide me with the Dispute ID associated with the investigation. I immediately reached out on XX/XX/22 to request this Dispute ID. It is now XX/XX/22, a full XXXX days after I initially requested the information and they have been giving me the run-around, even after multiple follow-ups. This is unacceptable. I need this information to track the progress of or provide evidence for the dispute. They keep telling me to call, but it was a failure on their part not to include it in the original letter, and I really dont want to sit on the phone for hours on end just to receive a piece of information they should have sent me. I have included a copy of the letter and sampling of the responses provided to me by Comenity Capital Banks XXXXXXXX XXXX XXXX XXXX.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Bank has not reported several of my credit cards to the credit bureau since XXXX of 2022 which has a big impact on my credit report because I paid off all 3 cards, but they are still reporting high balances. I emailed them in XXXX and they said it would be fixed soon but it's still not updated.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
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 disputed transaction on XXXX for {$4500.00} on XXXX. I have canceled this scheduled service and have reached out to the company for a refund. They have not responded nor have I been issued a refund. No service was rendered. I called to dispute and was told a dispute was initiated on XX/XX/XXXX and I was told the agent ID XXXX worked my account, but the dispute was closed on the same day of initiation by the contact rep. The agent I spoke with on XX/XX/XXXX says the dispute was initiated correctly but the same day they sent a letter to me requesting more info ( ref no. XXXX ) they closed the dispute noting that the company needed the reason for the dispute on XX/XX/XXXX and this agent identified as XXXX. To be clear I provided them with all of the details relative to the dispute over the phone. Per the rep I spoke with on XXXX this was done incorrectly and the dispute is rarely if ever closed on the same day. He believes there was an error and that the dispute was closed prior to the dispute being worked by the dispute department. My dispute was never investigated, they never reached out to the company to verify cancelation of services, or try to verify any of the data I had given them over the phone. I was further told that the reps could not initiate another dispute, because we are now 60 days outside of the transaction date. The rep also told me they have no record or document of my response to their request for more information which was sent in mid XXXX. I was told to go online to file a dispute, however there is no option for an online dispute. I was told to use the secure message portal to send a message, however the portal is not allowing my message to go through. I have to write another letter and send it registered mail to ensure they handle this properly. The company appears to be grossly negligent with their Reg E processing, making it extremely difficult for the consumer to be able to file a dispute, and follow up on a dispute or may contact with that department. I continue to receive calls from their collection department because my account is now showing delinquent, and they never issued a provisional credit nor did they conduct any type of due diligence to ensure my dispute was investigated, or put any holds on my account to cease collections or contact to collect while this was being investigated. Please help me resolve this issue as this is grossly negligent for a financial institution of this size.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2020 XXXX pulled my credit without my authorization. I am trying to get a pre-approval for a home loan and it showed up on my credit report. I remember they asked if I wanted a credit card and I declined. My maiden name is XXXX.
Company Response:
State: WA
Zip: 993XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A