Date Received: 2022-12-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Commenity bank has not reported my payments since XXXX of this year. I paid the card off on XX/XX/2022 but it still shows a balance on all the reporting agencies.
Company Response:
State: NY
Zip: 12020
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: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a credit card with Comenity Caesars reward visa, I paid my monthly statement on XX/XX/22. on XX/XX/22 I noticed that XXXX was taken from my bank as a payment to said credit card. when I called, I was informed that a letter had been sent to me on XX/XX/22 ( 2days earlier ) ; and that I had agreed to pay XXXX, I have received no such letter or agreed to pay an amount that I do not have available at the bank, I had already made my monthly payment of XXXX on XX/XX/22 why would I make another payment the same month. they always say that the conversations are recorded, I have not been offered to listen to any conversation that I allegedly agreed to. I want this credit card company investigated ; I can not be the only one they have done this to especially around the XXXX. this is a total fraud.
Company Response:
State: NC
Zip: 275XX
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: 2022-12-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The IKEA Project credit card company refused to explain how they allocate my payments to the three promotional purchases outstanding which each have a different ending date on the promotional interest rates. I have three promotional purchase balances and one of which is set to expire on XX/XX/XXXX. After the expiration, that remaining balance will be charged interest. I am trying to avoid paying interest on that balance and have even sent in additional payments to be applied to that upcoming ending balance. The company when asked to explain how they determine how my payment of {$300.00} ( which is above the minimum due ) is applied to each balance, I am told they do not know how those are done and can not explain to me that I just have to keep making payments until the promotional balance is paid. I am not able to apply extra payments directly to a promotional balance. I have called many times and they are simply refusing to help or even give me guidance other than just to send extra payments in and then call in and request that money is applied, however the operators are not able to give an up to date remaining balance on accounts until the statement closes, so there is no way to know how much to allocate to each account. Today the company has disconnected my calls with them twice as I was trying to resolve this again. I call today, XX/XX/XXXX at XXXX cst for XXXX minutes and was disconnected, I called again on XX/XX/XXXX at XXXX and was disconnected after XXXX minutes on the line. I have not recieved a call back and I am still uncertain if any additional payments above the minimum due will be applied to the most current ending promotional balance. I should have control over applying payments to promotional balances especially those due to expire soon. My statements do not show the minimum due on each promotional balance, the statement just shows a minimum due on the account as a whole. There is not a way to understand how the company allocates the additional payments above the due amount to the remaining promotional balances. When calls are made to teh company to understand and clarify, the calls are meant with aggressive representative and calls are then disconnected purposely.
Company Response:
State: TX
Zip: 787XX
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: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Commenity Bank has contacted several individuals of my family, including extended family, in regards to credit card debt owed and on at least 3 occasions disclosed specific information in regards to the debt. On XX/XX/XXXX Commenity contacted my sister and gave her specific information on my debts owed and disclosed that there was a balance of {$4000.00}. It is believed that they were under the impression that it was my wife they were speaking to as they only used " XXXX '' and our last name. Regardless, my wife is not authorized for information on this account either. I am the sole owner of the debt. This is the second time Commenity has corresponded with my sister and has given specific information ; however, the first date was not documented by me personally but it is believed to be in the XXXX timeframe. They have also contacted my step father as well. Both of those individuals had disclosed balances and personal information in regards to my account.
Company Response:
State: IN
Zip: 47274
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Previous complaint filed XXXX and was resolved but they charged back the interest again. I have been paying all the purchases balances in full from XXXX, this is when they had a problem with their payments processing, the XXXX payment made was adjusted in XXXX but Interest charges were adjusted last month due to complaint filed. But they charged the interest again, calling them did not help and they want me to file written complaint again. Please help.
Company Response:
State: GA
Zip: 30004
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 States I have the rights to privacy. 15 USC 1681 Section 604 A Section 2 : UT also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response:
State: NY
Zip: 13501
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
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: Subject : Inaccurate information on Credit Reports To resolve my complaint with 3 Credit Bureaus with fair resolutions, I mailed a Good Will letter to XXXX, XXXX and XXXX on XX/XX/XXXX and XXXX XXXX XXXX to update my credit report, keep my accounts in good standing, and fix any delinquent late payments, inaccurate information including derogatory remarks, unverifiable/outdated, and incomplete items/information including removing transferred and third party sold accounts. One discrepancy is ( along with several ) is the different numbers of open/closed accounts on all the Credit Bureaus XXXX XXXX, XXXX and XXXX. Each Good Will letter to all three credit Bureaus was sent with the same information. Below is the Finance Company and Credit Data Corporation with Company names, dates and credit report information : On XXXX XXXX XXXX XXXX Credit Report ( XXXX Score XXXX ) ( Credit Score XXXX ) XX/XX/XXXX From XXXX XXXX XXXX XXXX is showing past due and have derogatory remarks but account was removed. 100 % Payment history is excellent with no Hard Inquires. My Credit Cards use rating is excellent with XXXX balance and credit age 10 months. Low impact on open and closed accounts. 22 accounts. On XXXX XXXX - XXXX Credit Report ( XXXX Score XXXX ) ( Credit score XXXX ) XX/XX/XXXX there are derogatory remarks and in collections from XXXX XXXX original creditor XXXX XXXX XXXX {$610.00} opened XXXX ( not in collections and no derogatory remarks on XXXX credit report ). XXXX XXXX XXXX XXXX removed with no derogatory remarks on XX/XX/XXXX XXXX XXXX XXXX. Number of accounts 37. 100 % Payment history excellent Credit card use rating is excellent with XXXX balance on credit card usage but credit age 10 months. Zero Hard inquiries. On XXXX ( XXXX XXXXcore XXXX ) XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX original creditor Comenity Capital Bank collection account showing in dept collection {$1700.00}. That account was removed from XXXX and XXXX credit report between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX credit card credit limit {$300.00} was paid on time with no past due amount. XXXX XXXX original creditor XXXX XXXX XXXX date opened XX/XX/XXXX high balance {$840.00}, ( but on XXXX report balance {$610.00} opened XXXX. XXXX Closed accounts. Please correspond and update all inaccurate information accordingly, Thanks.
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose.
Company Response:
State: SC
Zip: 29045
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Good Morning, I have a Caesars rewards Visa card with Comenity bank " The bank is a subsidiary of Bread Financial '' Customer Care Address. Comenity Bank XXXX XXXX XXXX. XXXX, OH XXXX I had a balance of XXXX on my card however, I've paid the entire balance as of XXXX XXXX That said, Comenity bank has not reported my credit since XX/XX/2022. I had several attempt to contact and ask them via phone why it wasn't reported but customer service always mentioned that they can't do anything about it. Following phone contacts with no results, I've sent messages to the customer service asking them to remove it but they responded back to me to call the customer service which was a loop of poor consumer relations and mishandling of the case. When I got a car loan in XX/XX/2022 this credit balance lowered my credit score and caused a higher interest rate. Fair credit reporting act 15 U.S.C. 1681-1681x clearly states that company should report credit in a timely manner. Appreciate your help on resolving this issue. Thank you, XXXX XXXX
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX Account Comenity Bank/NY & CO Acct XXXX XXXX and Comenity Bank/DavidsBridal Acct XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 : States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.
Company Response:
State: MD
Zip: 21001
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A