Date Received: 2022-12-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In early XXXX, my Comenity/BJs XXXX XXXX credit card was charged a {$50.00} fee for automatic membership renewal, which I did not want and had not agreed to. I visited BJs as soon as possible ( I was away XXXX XXXX until late XXXX ) and the customer service agent refunded the {$50.00} fee in cash. By then, Comenity/BJs had already added a late fee. I returned to BJs in early XXXX to have them correct this and was told that BJs would remove the renewal fee from the credit card and I was assured that Comenity would remove the late fee. Neither is the truth. I have contacted Comenity twice, to no avail, and now the balance is up to {$150.00}. The only progress I have made is to manage to close the credit card, but the late fees keep piling up. I recently regrettably on XX/XX/2022 sent Comenity a check for {$59.00} to cover the {$50.00} initial membership fee which BJs reimbursed, and {$9.00} for a late fee. I am concerned about the negative impact on my excellent credit record which would be a result of an action not initiated and not wanted ( automatic membership renewal ) by me. Please help!
Company Response:
State: PA
Zip: 18045
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with 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: On XX/XX/2022 I contacted Comenity Bank which takes care of account information for XXXX and other corporations. I reached out due to the fact that I could not make a purchase on XXXX XXXX website. I received an automatic message stating that I must contact Comenity to first validate my account. I called the provided number and spoke with a gentleman who stated that I just needed to update my information and then I would be able to make a purchase. He asked for my mailing address, my phone number, my account number, and the last XXXX of my SSN. He also asked for my income. I stated that I would update my income online. He endorsed that my account can only be validated if I provide my income. I provided him with my income. He then stated that he would need to do a soft credit pull in order to validate my account. I specifically asked him if it was a hard inquiry or soft inquiry. He stated that they do not perform hard inquiries and that I was a soft inquiry. I said that would be perfectly okay. Within XXXX minutes of ending the call, I receive XXXX emails from different credit bureaus stating that a hard inquiry has been performed. I called the same number back and asked to speak to a supervisor. The automatic prompt stated that the line would be transferred to a United States representative. I explained my concern to the supervisor and she stated that there was nothing that could be done and she was not sure why the gentleman would not know about the hard inquiry. She also informed me that my account was inactive and had to be reinstated. I was not told this information nor did I give Comenity Bank or XXXX XXXX permission to perform a hard credit inquiry into my credit report. I am writing because I would like my case to be investigated for illegal activity and to have the hard credit inquiry removed from my account.
Company Response:
State: OR
Zip: 97224
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: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: My payments and updated balance have not been reported by XXXX to any of the XXXX major credit bureaus, from XX/XX/2022 to present ( XX/XX/2022 ). Correspondence is attached below, and dated XX/XX/2022.
Company Response:
State: FL
Zip: 329XX
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 # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to my 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. 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: 11692
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting Act Comenity capital BankXXXX XXXX XXXX has violated my Rights. 15 U.S.C 1681 Sect 602 A states I have the right to privacy. 15 U.S.C. 1681 Sect 604 A Sect 2 it also states A consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1666 B states 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: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
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 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: MD
Zip: 210XX
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: 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 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: MD
Zip: 210XX
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: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XXXX XXXX. I went to the store to make a purchase and my card kept getting declined. I called the number on the back of my card to see what the issue was about after going back and forward for about XXXX, I was told they could not help me and that I would need to write a specific department to see what the issue was about. I paid for my items, not suing the credit card being declined and went home. Once at home I called again and was advised I was being recorded, I too recorded the conversation. The supervisor told me that the reason my account was restricted was because I sent a Cease and Desist to Comenity Bank. I explained I have a copy of the C & D dated XX/XX/2022 and that it clearly stated to C & D from sharing my personal non public information since I was never given the proper disclosures about permissible purpose and my right as a consumer to 'Opt Out ''. The C & D was never giving them instruction to not communicate with me as a consumer regarding this account. I was told by the supervisor that whenever they get a C & D they restrict the account/ block the consumer from using it. As I was Understanding, I stated to him '' so you are telling me that in retaliation to the C & D, commenity bank restricted my account from using my credit card, simply because I was asking commenity to respect my Privacy according to the law and not share my information '', he once more, confirmed it " yes we do that whenever we receive a C & D. I asked him to state his name for the record and he did, he then informed me he would submit a complaint on my behalf. I told him what the company did was unlawful and that I would be pursuing it legally. he provided a case number. XXXX I have copy of the letter sent to them and delivery proof of the C & D sent to them on XX/XX/2022, along with certified mail receipt tracking number. Fact : No prior notice or warning regarding the status of my account had been given, nor provided to me through any means of communication. The only letter I received from commenity stated that they received my correspondence and that they noted my account. I have that letter with me.
Company Response:
State: NV
Zip: 89014
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: 2022-12-06
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: My XXXX XXXX XXXX credit card that was administered by Comenity Bank- a service owned and part of Bread XXXX- has continually failed to provide accurate and timely monthly statements of my account. These monthly statements are required from a CFPB perspective and necessary for me to know balances owed, fees, interest etc.. and to remit payments. I've reached out to the company multiple times and even filed a complaint with the CFPB, and the company has failed to rectify the issue. To date I still do not have access to my current monthly statements. The company claims there was a temporary outtage due to a technical update, but that that has been completed now and their systems restored. This however is not the case, as I am providing a snapshot of what I see today showing I have NO statements provided or available to me since XXXX of 2022. No attempt to provide these in a timely fashion via mail or within my online profile without me having to contact customer service has been adhered too. Bread should be held liable and fined for non-compliance with these requirements and customers should be compensated for their time and frustration.
Company Response:
State: TX
Zip: 78209
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted Comenity/Victoria and to let them know they are still reporting inaccurate information on my credit report. They told me they no longer report to the credit report and I will need to dispute to remove the inaccurate off my credit myself. This account is reporting negative information to XXXX, XXXX and XXXX.
Company Response:
State: TX
Zip: 77520
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A