Date Received: 2022-11-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The XXXX XXXX XXXXXXXX I sent a payment of almost {$1000.00} to Comenity Bank to pay off my credit card. When I check XXXX weeks later the payment still hadn't posted. I've been checking daily because it's such a large sum. It's still not posted though the funds have been removed from my account. The first time I called I was told they hadn't received my payment and I should make the payment by phone. I already sent a payment I'm not paying double. The last time I called, when I was speaking with the gentleman, he just hung up on me. Until Comenity Bank took over the XXXX credit cards there were no issues. Comenity Bank is a garbage institution I believe deliberately holds back payment so they can charge their customers a late fee.
Company Response:
State: WA
Zip: 98310
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I opened a credit card in the store XXXX and made a purchase of {$150.00}. I received the bill for this in the mail on or around XX/XX/XXXX and it was due XX/XX/XXXX. I immediately set them up in my billpay account and entered payment to be sent. This was processed in XXXX XXXX on XX/XX/XXXX to be delivered XX/XX/XXXX. Tracking on the payment shows the check was in XXXX on XX/XX/XXXX and XXXX, TX where was it's destination on XX/XX/XXXX. The due date was XXXX which was a Saturday. From the bank notes and tracking it appears the check was at the company by XX/XX/XXXX as the bank notes. XXXX processed the payment on Monday XXXX and sent me a late fee for {$30.00}. I tried to reach out by phone and email multiple times and explain this is not appropriate as even though they did not get me a bill out with lots of time I still paid immediately in full and on time and they for some reason did not process my payment prior to the due date. I got a scripted answer that said I am not eligible for a late fee wavier. I asked for a manager to call me but have not had that happen. I late got a call from a collector wanting {$37.00}. I explained again they seemingly held processing my payment or did it on the next business day and the fee was not fair and I wrote in for a manager to call. She had her supervisor get on the phone and tell me he would waive the {$7.00} and I could pay {$30.00}. I did not even know where the {$7.00} was coming from and had already stated I am disputing the {$30.00} late fee as I was not late. They now are sending me a statement for {$61.00}. I made a purchase of {$150.00}. I paid that in full and on time.
Company Response:
State: MD
Zip: 21043
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I use a Mastercard for BJ XXXX purchases. I paid my XXXX amount due twice on the card managed by Comenity Bank. I immediately contacted Comenity and they confirmed my duplicate payment through the transactions on my BJ Mastercard in the Comenity system and said I was due a refund of {$530.00} for the overpayment. I have contacted Comenity numerous times and have been advised that my claim for a refund was under investigation. I get periodic letters saying I need to furnish more information to support my claim when Comenity has already confirmed the overpayment and the Comenity credit card statement says if there is no activity on the account for 60 days, a check will be issued for the balance in my Mastercard account. The only transactions on my account since XXXX were Comenity charges for interest on purchases which is incorrect since the purchases were paid in XXXX and late payment fees which are also incorrect. It is now well past 60 days and I remain unpaid.
Company Response:
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
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: XX/XX/XXXX I disputed this account COMENITYCB/DAVIDSBRIDE Account number : [ XXXX ] here on CFPB again that was found on my credit report from loan officers that I had requested original proof of last year. I was told that this account is a Charge Off, however it's reporting that payments are still being made based on the payment history from XXXX. I then requested a reinvestigation in XXXX XXXX because I had found out the same thing was still on my credit report on XXXX XXXX ( in the midst of trying to get a mortgage loan ) that I wasn't aware of and/or thought were already removed/corrected. I requested for the account to be thourougly reinvestigated ( checking, updating, deleting, correcting the summary of each report from each of the 3 bureaus ). I sent it via certified mail on XXXX ( tracking number below ). It has again been more than 30 days and no letter from COMENITYCB/DAVIDSBRIDE stating if the CHARGE OFF was final or not. Not only that, but I found out recently that there's another account -> XXXX XXXX Account number [ XXXX ] who supposedly bought the debt from COMENITYCB/DAVIDSBRIDE XXXX which is being reported as an OPEN ACCOUNT. Which is illegal and against FCRA to try to collect payments for the SAME DEBT through 2 different accounts. Section 607 ( b ) of FCRA ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Consumer reporting agencies must Correct or Delete ANY inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. ( Credit report from XXXX XXXX *highlighted yellow* below ) versus ( Credit report from XXXX XXXX, XXXX *circled in black ink below ) Is still reporting the same inaccuracies for Account status, Terms, High Credit, Date Last reported, Date Last Active, and the 2 year payment history. All of which are violations and not reporting the same across all 3 bureaus. Unfortunately, I no longer have housing due to credit implications that has affected my credit score and history. As you will see my credit score has dropped tremendously even more within the last month because I've had to dispute over and over for the same problem. I'm requesting monetary relief and deletion at this point, because I've tried all I could. I will have the photo of both credit reports pulled on XXXX XXXX and XXXX XXXX in comparision showing that there was no thorough investigation done by COMENITYCB/DAVIDSBRIDE nor XXXX XXXX. Tracking numbers : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Company Response:
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a XXXX credit card balance for the month of XXXX on the XXXX. I scheduled that payment for the XXXX and they pulled it on the XXXX and charged a late fee ( {$37.00} ). To not have to deal with calling them about it, I scheduled the payment of that fee for the XXXX of XXXX. They didn't charge that until the XXXX of XXXX and charged a second fee ( bringing the balance to {$76.00} ). When I contacted the customer service department about this, they said it was an error on my end ( I am certain it wasn't ) and that I had to pay XXXX sets of late fees on a card that has not been used since XXXX and has no balance other than late fees. The representative was not helpful and when we said we would file a claim with the CFPB he offered to waive the most recent fee and that he would make a note in my file that the fee would be credited. He would not give me that in writing but just wanted me to pay the first fee. Eventually he escalated it to a second representative who made the same offer but was confused because the first representative didn't leave any notes as he told us. After she found the notes, she said they could offer to waive a {$37.00} late fee but I would still need to pay {$39.00} ( which is a late fee and finances charges ). The representative couldn't explain why that was the case, but that there wasn't anything more she could do. She offered to escalate it to her supervisor, put me on hold for close to XXXX minutes, and then hung up on me. Note : the account is under my maiden name.
Company Response:
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Credit card balance paid off XX/XX/22 and balance should have been reported to credit reporting agencies as XXXX. Contacted Comenity director XX/XX/22 and was told system updated taking place I would need to wait 2 billing cycles. Recontacted Comenity XX/XX/22 after bill cycles passed and information was still inaccurate. Ive contacted all 3 credit reporting agencies to report they have received false information from Comenity. Each one told me to wait 30 days for updates.
Company Response:
State: IL
Zip: 60525
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have disputed this information with the Credit Bureaus and denied my rights to a fair investigation. The creditor is inaccurately reporting as a XXXX XXXX on my Consumer Report but has reported to the IRS as a Write-Off. According to US Code 15 US 1681 ( e ) ( b ) and US Code 15 US 1681 S-2 ( a ) ( 1 ) ( a ), my rights as a consumer have been violated. This creditor is reporting this Income monthly on my credit report negatively yet Ive never received any information of a XXXX c documents of the write off or a validation in my investigation. Also, according to my recent reports, the reported closed dates have been altered since the original reporting date. This is conflicting with the Statute of Limitation denying me my rights to a fair opportunity of receiving an accurate report. In addition to this, the account is inaccurately reported as Past Due. This account is linked to an address that is foreign to me yet they still are reporting negatively to my Consumer Report.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
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: To whomever it may concern, The actions of Comenity Bank and the various agencies that have refused to address this manner are acting against XXXX XXXX XXXX XXXX. I am attaching additional documentation for my communications with Comenity Bank. You can see that they inferred that they would make a goodwill adjustment, despite the fact that there was never a missed payment to begin with and Comenity Bank has told me each time I call to write a letter or report to the credit bureau to get it fixed. Everyone who answers the phone apologizes and says that they don't have such authority. Please read attached correspondence that are screenshots from communication with Comenity Bank, as well as the previous dispute.
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: A former friend ( XXXX XXXX ) was added to this account as an authorized user. She has broken my trust, and I am removing her as an authorized user on accounts. When I sent a message in the secure credit line asking her to be removed as an authorized user, Comenity Bank instead closed y account entirely. Comenity Bank has caused untold amounts of distress from its negligence. I've had this account for over a decade in good standing, and this may also be retribution for my reporting that they falsely reported a late payment in violation of the Fair Credit Reporting Act. Please see attached documentation.
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was contacted about a debt that did not belong to me. I informed the company, I requested that the company open an investigation in XX/XX/2022, no one has gotten back to me. I asked the company what dates was the account opened, I was given two different dates. On both dates, I was at work. I asked what was charged, no one from the company could tell me. I have disputed this account a few times with no relief. This is not my account. Also, I never received any type of information about this account, besides them calling me for payment.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A