Date Received: 2022-12-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. CB/LNBRYANT XXXX CCBXXXX XXXX CB/VICSCRT XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 33020
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have two issues with this bank that goes into the quality of Comenity Bank 's ( " the bank '' ) internal controls : ( XXXX ) I rendered a payment of the statement balance via my bank 's bill payer account. Even though the payment was delivered last week, the bank alleges non receipt while all of the other accounts had their payments applied properly. I was forced to reissue the payment and have my issuing bank stop payment ( fee of {$35.00} ) and reverse the payment. ( 2 ) Comenity acquired my XXXX XXXX account from XXXX XXXX XXXX. Although the bank alleges that the card had been issued, it was shown that this had not occurred - requiring a reissuance.
Company Response:
State: VA
Zip: XXXXX
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 rewards from credit card
Consumer Complaint: I have a credit card called IKEA Visa Credit Card issued by Comenity Bank and I receive {$15.00} reward certificates from the bank every time that much rewards are accumulated. These certificates can be redeemed at IKEA against the purchases made at the store or online. Few months ago, I received XXXX reward certificates of {$15.00} each, total {$30.00} in XXXX separate statements dated XX/XX/2022 and XX/XX/2022. On XX/XX/2022, I went to IKEA store at XXXX, CA to redeem both the reward certificates and discovered that the statements could not be redeemed since the XXXXKEA point of sale system was getting error when the certificates were scanned. When the issues was borough to the attention of the IKEA store manager, she mentioned that they are experiencing an issue with Comenity Bank 's rewards system hence my rewards could not be redeemed at that point. The store manager asked me to contact Comenity Bank to resolve the issue. I contacted Comenity Bank about this issue after a few days of my visit to IKEA. I called the bank as well as sent them a message from their website on XX/XX/2022 explaining the issue I am facing with redeeming the rewards. The bank responded with following message : " We implemented a system update due to which some functions are temporarily disrupted. We are temporarily unable to see some account information and help with certain things. '' The bank did not give me any definite date on which the issue with their system will be resolved. So, I waited patiently and contacted them again on XX/XX/2022 since I did not hear back from them in the mean time. The bank responded with following message : " We are still working to resolve the reward issue that is impacting your account. Once this issue has been corrected, your rewards will be updated accordingly. Unfortunately, there is no time frame regarding when this issue will be fixed. '' After this I waited patiently again and called the bank on XX/XX/2022. I was able to talk to a customer support representative who failed to resolve the issue after investigating it for approximately XXXX mins and disconnected the call abruptly. I called them again talked to another customer support representative for around XXXX who said he wants to reissue me the {$30.00} rewards but the system he is working on does not give him that option. When insisted that I want this problem to solved today, he them transferred my call to his supervisor. The supervisor never answered the call and my issue remained unresolved after almost 5 months. This is not the first time I have faced issue with the Comenity Bank service and their rewards system and I fear that they don't want to resolve my issue and take away my {$30.00} rewards.
Company Response:
State: CA
Zip: 93103
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Comenity Bank - XXXX XXXX Rewards XXXX They failed to properly apply a {$820.00} payment. My bank XXXX XXXX XXXX XXXX XXXX and I have provided the elecontronic transfer thru bill pay. I have repeatedly contacted Comenity they deny saying never had previous calls never received requested information. XXXX has replided 3 times to an address Comenity provided. Still no credit and no refund this has been on going for 5 months see documents. Comenity has no record of the phone calls or the requests or the written documentation. They have no email and no fax #. They are defrauding me of the payment.
Company Response:
State: CA
Zip: 92024
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: 2022-12-01
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: Comenity is not reporting to any of the credit bureaus since XXXX for a lot of people. After looking up this issue online- they are either giving people a blanketed this is a system update response or, after being escalated and pushed, they give in and update the persons records. After sending them a message saying that I would like for them to update my payment records, they only gave me the blanketed response with no sign of a solution. My balance for this card has dropped drastically and I would like for that to be reflected correctly. Ive also seen in online forums that this bank, as a retaliatory response, decreases the credit limit for people who complain. Not sure if that part is true, but its a worthwhile mention.
Company Response:
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: need a balance sheet stating payments made to charged off account and also the current balance of the account and status on company letterhead
Company Response:
State: GA
Zip: 31721
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I went to Comenity Banks web site and redeemed XXXX points and I should have received two XXXX gift cards. I did this back on XX/XX/2022 and I have called several times to get an update on the cards. Today I was given a different XXXX to call and I called them and then they gave me another XXXX number to call and they could not help me. So then I made one more call to Comenity Bank and was placed on hold and then hug up on. I ordered these gift cards so that I could have them in time for the holidays. It shows on there web page that they have deducted XXXX points from my total but I have not received the gift cards as of today.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: They advertise that I would get 6 months with no interest on any charges over {$250.00} that I make with the XXXX purchase and I have called several times to get this fixed as it is going on for over 45 days and they have not resolved the issue.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a XXXX XXXX Credit Card through Comenity Capital. My account is up to date, I requested a credit limit increase and thats when I was informed that my account had been closed 3 months ago. I was never notified, not even by mail. I have called multiple times to pay my bill and ask questions never was I informed the account was even closed! My account was closed due to XXXX XXXX ending. On my current credit report it is showing for the last 3 months that I am passed due but that is entirely not the case I have Paid all 3 months way ahead of time and over the minimum payment. I have reached out to Comenty for some answers and they are telling me I have to reach out to my credit bureau for answers. I am seeing all over their facebook page that this is an issue and I really want some answers. I dont think its fair that people are getting reported on their credit score for past due payments, and their credit history being taken away now that this card program is closing. They are a terrible company and I have had issues with them and their business since day XXXX and their are thousands of other people that have the same issue. I believe they scam people. I have had the card for 2 years and of those 2 years I have had to correct their mistakes at least 9 times that I can remember. They have issued payments onto my account that I have not consented to or granted access to. I have had to be refunded numerous times because they take out double what I paid. They Have reported me to the credit bureau quite a few times for being passed due because my due date was the XXXX of the month and because it comes out through my account I guess they dont receive the actual money for 1-2 business days, so then they give me a late fee and report it as late. Just yesterday XXXX I noticed a random payment on my account for {$100.00}. It stated " XXXX XXXX OH XXXX XXXX, '' and was listed as pending. I called about this and the man on the phone told me he didnt know what it was and that he wasnt seeing it. He had to put me on hold like 5 times and could never actually answer my question and basically told me he couldnt help me and it was an error.
Company Response:
State: AR
Zip: 72209
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed numerous hard inquiries on my report that I had no knowledge of and would like to get these hard inquiries removed from my account, thank you. Companies involved include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX.
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A