Date Received: 2022-11-14
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: to whom it may concern my name is XXXX XXXX. My address is XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. The last XXXX of my SS # XXXX and my XXXX is XXXX. My phone number is XXXX. I am currently writing this complaint because my forever XXXX credit card is not providing me my full benefits this card is supposed to offer. This card is supposed to offer an annual XXXX XXXX off on it anniversary day which mine is in XXXX of when the account is open and {$10.00} off for the coldholder birthday. Which mines is in XXXX. I havent received any of these benefits in the last XXXX years. I called customer service and asked about it and was advise their rewards system have been down so thats why I havent received these benefits and maybe XXXX received it next year. As a consumer the main reason for having this card is to enjoy the perks and benefits of what the card has to offer and if Im not receiving it what is my reason for using this card when their are thousands of other cards available? I also ask if anything else can be done or Accommodated and they advise me nothing else can be done. I feel like this is very unfair to the consumer because these things are promise as a term and condition of the card.
Company Response:
State: CA
Zip: 90712
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
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: The listed information reported on my credit report is reporting incorrect information in regards to my credit report.
Company Response:
State: LA
Zip: 70115
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Bread Financial and the XXXX XXXX XXXX has not reported my credit information with them to the bureaus since XXXX. I have contacted them many times and they keep sending the same canned response that they need two more months. I have given them 4. My balance has been paid since XXXX and yet it shows a large balance.
Company Response:
State: WI
Zip: 54956
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I made a min balance payment on XX/XX/22. My billing cycle ends on XX/XX/22. I had a promotional balance that expired XXXX. I paid the full promotional balance on XX/XX/22 online. I called the company to ensure that the payment I made was applied directly to pay off the promotional balance on XX/XX/22 and not the minimum payment that was due on XX/XX/22. I asked the lady more than once did she apply the payment towards the promotional balance and she assured me that it was and the promotional balance is paid off. A month later they charged me accrued interest stating that I did not make the minimum payment for that month of {$35.00}. The call was recorded and the rep confirmed that my payment was applied to the promotional balance on XX/XX/22. I am requesting a full refund of the accrued interest charge of over {$500.00}. On XX/XX/22 I was on the phone for XXXX hours and spoke to several people and no one would correct their mistake. The interest charge did not show up until my XXXX payment. The recording clearly states where the payment was applied. These are deceptive, abusive, and unfair practices.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I, a XXXX XXXX moved about {$26000.00} into bread savings on XX/XX/2022 in order to take advantage of the high yield savings. After waiting my XXXX hold for funds to be cleared, I decided to move {$1000.00} back into my funding account in order to pay some bills. I was then restricted when attempting to move the funds. I called customer service, and they told me that my account was opened recently and that I needed to wait the 9 days, yet it had been over 14 days. They then told me there was a security concern with my account and that was why they had a restriction on it. I then received instruction on how to life the restriction by sending in SSN card, government ID, and proof of ownership of the funding account. After doing so the account restriction still remained. After several attempts to contact the account restriction team, and ask what more needed to be done to lift the restriction and I was met with no solution. Instead I was told that the account was being closed per the account agreement. I attempted to ask why they were doing that, and they said that the information could not be given to me. I thought that it was my right to know of suspicious activity with my account, considering there was sensitive information shared on the encrypted chat ( ie SSN, drivers license. ) They then told me the money in my account would be transferred back to my funding account in 3-5 business days. This began around the end of XXXX. I can not get the exact date because my account keeps getting locked. I then called to get an update on the transfer after 5 business days and they told me it would appear in my funding account the following Monday. It is now the following Monday, and I sent a message to get another update because I need this money to live. I them received this message, " My apology for the delay. I do not see the transfer of your funds processing and the account is still rest [ r ] icted. '' The fact that this long promised transfer has not even been started and I have been heavily misled by many employees about the status of my savings and security of my funds. I have had no choice but to alert the CFPB, which brings me to here, XX/XX/2022. Over a month after my money was originally moved to the savings account.
Company Response:
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XXXX XXXX XXXX FRAUDULENT CHARgED MY CARD FALSELY MY CARD COMPANY IT NEW IS NOT SURE WHAT TO DO IN THE MEAN TIMES I AM OUT {$2000.00} My account was bought from XXXX XXXX XXXX and it was charged to them but they sold my account to Comenity and they are not sure what to do?????????
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I XXXX XXXX personal information has be stolen around the beginning of the year XXXX. During the beginning of XXXX I contacted XXXX while working as an private home healthcare provider. I was hospitalized and unable to work, or take care of myself, I required XXXX XXXX XXXX, same as I provided for my clients. the entire duration of my illiness I had no control over my personal information and was taken advantage of by various individuals, as an result of being near death, someone used my personal information to open fraudulent accounts, such as a personal loan, and a medical account that provides medical and cosmetics XXXX. I can not name names, do to the fact that I was in the hospital and under sedated. The result of the misuse of my personal information XXXX now a victim of identy theft and fraud, this is the second time that I have experience this, since XXXX when my information was apart of a data breach by XXXX XXXX. This has caused great discord and inconvenience to my life. This collections agency never provided any proof that the account belongs to me.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Reached out to CCBXXXX and they advised me that they will investigate the claim and will be in contact with the credit bureau XXXX The account is fraud and now they sold it to a debt collector without corresponding with me so I can receive the information. The account information is below : XXXX {$3200.00}
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are unauthorized businesses on my credit report.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Comenity Capital Bank/Zales Outlet Company has not reported/updated account balance fair or accurately since XXXX of 2022 for XXXX and XXXX of 2022 for XXXX & XXXX.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A