Date Received: 2022-12-03
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 privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666 B : 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: 12205
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act The Companies 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. 15 USC 1666B : A creditor may not treat a payment on a credit card account under am open end consumer credit plan as late fr purpose. 25
Company Response:
State: TX
Zip: 77515
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: act XXXX Account # XXXX, 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. 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: MD
Zip: 20784
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I am unable to obtain my statements for XXXX, XXXX, XXXX and XX/XX/XXXX XXXX via the online account center for my Comenity Bank/Bread XXXX XXXX XXXX XXXX credit card account. I have requested assistance via secure messaging and phone with no resolution. My initial request was made on XX/XX/. They are unable to explain why these statements are not available online and they refuse to email me my statements. They have stated they can only provide my statement copies via regular mail but I have yet to receive my statements. Why do they send me emails each month stating my most recent statement is available online when it is not? Isnt this providing false information? I should have access to my statements via the online account center at all times.
Company Response:
State: IN
Zip: 46260
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: After getting an annual membership fee for a BJ 's card, I tried to find my credit card I realized I don't have one. I don't remember ever having it. I tried to call BJ 's to ask about it and cancel the membership but, because I didn't have the credit card number, I couldn't get through the voice prompts. I tried several times over a month. I've probably spent 5 hours on the phone over the course of 2 months, just trying to get through to someone. I finally, reluctantly paid the late fee in the next bill because I hadn't been able to talk to anyone about it. I kept on trying to get through to BJ 's to tell them I needed to cancel their card, and my membership. It took several more days until I spoke with someone from another country who assured me it was cancelled, and I didn't have to pay anything more. I just got another late fee from BJ 's. I still can't talk to anyone because I don't have the credit card #. Again, I've talked to people in another country who have passed me on to the wrong place twice and I waited another 1 hr. I am frustrated and refuse to pay another late fee for a card I don't have, and was told was cancelled, and which I already paid one late fee for. I am fed up and angry that I can't talk to a human. I will never deal with BJ 'S again. I want any late fee reports from BJ 's or Comenity bank removed due to this impossible situation.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Comentiy Bank/Bread Financial has failed to submit updates to all three credit bureaus since XX/XX/2022. I have made on-time monthly payments since XXXX, even with the system outage, and those payments are not being reported. My credit limit was increased and that has not been reported either. I brought this to the attention of the company 's customer service in XXXX, but not only did it go ignored, but they also directed me to reach out to the bureaus myself. It is not the responsibility of the consumer to report their own accounts to the credit bureaus so clearly there is a disconnect somewhere.
Company Response:
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid {$750.00} to Ulta-Comenity in and around XXXX XX/XX/2022 and they LOST the payments. Had proof from my bank it was sent. One day I get 2 statements from Ulta and one has a {$750.00} XXXX XXXX XXXX is my current Ulta account. They credited my OLD acct ( which should hv been closed ) they can't FIND my old acct if I call. They settled it in XXXX but NOW I GOT ANOTHET TWO BILLING STATEMENTS and now they say I owe {$350.00} on my old account.. if I call? THEY CAN NOT FIND THE OLD ACCT. I get told to call, email... theyll fix it..its not fixed and I need you to step in.
Company Response:
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Comenity Bank, through XXXX, has not been reporting to the credit bureau 's since XXXX. Attempts to contact them only results in canned responses with no assurance that this will be corrected anytime soon. Multiple customers are facing the same issue.They need to be held accountable to not reporting which is causing customers to not have updated information to the credit bureaus which effects everyone 's scores.
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had/have accounts with Comenity Bank for years. These accounts have been closed for a couple of years and I have been paying off the debt. Earlier in this year I noticed the accounts were reopened and stated that I had available usage which has affected my credit. Anytime that I apply for anything it shows that these accounts are opened. I learned that Comenity Bank updated their system and the accounts reopened. The accounts that I am referring to are ( Victoria Secret, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Wayfair, XXXX XXXX XXXX XXXX XXXX. ) I do not want them to stop communicating with me but I want them to update my credit report immediately. I have filed disputes with the credit bureau and I have also contacted Comenity and nothing has worked. I want it fixed immediately because it is affecting my credit.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: This complaint against Comenity Bank ( who now think they can distance themselves from their massive issues by changing their name to Bread XXXX ) is due to the fact that even though I paid all the valid charges of this account and shut off the cards associated with it, they are holding my bank account information hostage in their system. I am unable to delete my bank account information because they have posted fraudulent pending charges from XX/XX/XXXX XXXX and XX/XX/ for over {$8000.00}. These are charges that were already been paid on time and in full. I contacted them several times by phone and through their message system, since the beginning of XXXX XXXX Their agent XXXX, promised that these fraudulent charges, that suddenly reappeared in my account, would be removed within two days ( that date of removal would be XX/XX/ ). As of today, the fraudulent charges remain stuck in pending and have not been removed. Because they will not correct this, it is preventing me from deleting my bank account information from their system. I am not leaving my account with my current bank account information in it for them to steal my money. Since their IT upgrade in XXXX XXXX their systems are a train wreck and they have continued to compound the problems by falsely promising resolutions within two business days and fail to do anything to resolve these issues.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A