Date Received: 2022-11-14
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: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened the XXXX XXXX XXXX- with Comenity Bank. As part of the offer- you are supposed to receive 4 % cash back on your purchases to be redeemed only at XXXX. The rewards only last a certain amount of time. I had XXXX $ that was supposed to expire on XX/XX/2022. However when I tried to redeem my rewards on XX/XX/2022 - my balance was XXXX XXXX The bank had technical issues that week/weekend was the reason I was told. I have been calling and emailing for over 4 months to try to get this issue resolved. Many times I have had my calls disconnected. This is the worst Credit Card Company/Store Card - it is unfortunately a poor reflection on XXXX as they are chosen to use them and do not offer any customer support to solve the problems caused with their Companys chose CC Banking establishment .
Company Response:
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have had a XXXX credit card with comenity bank for over XXXX years. I misplaced the card during a move to a new home that was then renovated for a year during Covid. I did not use the card during that time frame. I logged into the account on XX/XX/XXXX and reviewed my available balance which was {$1400.00} with no issues Account ending in XXXX. I attempted to request a new card through the online secure message system and I was informed my account was closed on XX/XX/XXXX and told to reapply for another. Not only that the day after on XX/XX/XXXX I attempted to login to my account only to discover an error message detailing that the login information I input was invalid as if the account no longer existed. I contacted customer service via phone XXXX times and the automated system hung up on me each time after verifying the last four digits of my social. I suspect foul play. This is outrageous and unethical for a number of reasons. I regularly used the card and paid for my balance in full. I have never been late, or missed a payment, I generally kept a {$0.00} balance on the card after using it. I provided good business to comenity bank in good faith for years, for comenity to engage in a business practice that would negatively impact my ability to qualify for new credit and retain credit at reasonable rates is bad business. All of the good previous history I have on this credit card has been negated! I now also have no access to previous records. And reapplying would be another hard inquiry on my credit which would consequently negatively impact my XXXX XXXX. I would like to speak with someone about reopening my account.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a credit card with XXXX XXXX XXXX through XXXX. The card account was transferred to Comenity Bank without my knowledge or permission. They said they sent a letter to my address but I did not receive it. They sent an email today saying I needed to activate a credit card - which I did not request - and that was the first I knew that this happened. I can no longer access the account through XXXX XXXX XXXX the online access says they do not recognize the account. The card issued by Comenity is being used but not by me as there was a transaction on the card in XX/XX/2022. When I requested a physical address from Comenity to send a certified, return receipt requested letter, they refused to give me a physical address. They said they only have a XXXX XXXX XXXX
Company Response:
State: CO
Zip: 811XX
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
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: Account : XXXX XXXX This account has never had any late payments made by me. I have always had this account on autopay to take atleast the minium payment. I have not been in any sort of financial troubles. The current company is not the company that reported that missed payment. My account was sold to this company. I asked the furnishing company, XXXX, XXXX and XXXX to provide me valid proof of a 30 day late payment. All these companies simply responeded by saying the account is valid and reporting accurately. I submitted a compalint back in XXXX of XXXX and the furnishing company just responded by saying the account is reporting accurate. I have also disputed with all 3 credit bureaus. 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: MI
Zip: 48152
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: CB/Carson 's has stated over several months that the account has been properly investigate and updated but how is this possible if the account is reporting inaccurate high balance, inaccurate date of last activity, and inaccurate payment history. This is ground for removal this also violates my rights under FCRA 15 U.S.C 1681 section 602 A. I have the right to privacy
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX Bank - torrid credit card. They have not reported any account changes since XX/XX/2022. I have since paid off the account, and my report is still reflecting a high balance of around {$2300.00}. My balance is now at {$200.00}. It has impacted my ability to gain financing with other lenders. I have reached out to Commenity and they state that they will update my account in 1 to 2 billing cycles, but it still has not happened. It has been almost 6 months and I don't know how to get them to comply.
Company Response:
State: NM
Zip: 87120
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Excessive fees
Subissue:
Consumer Complaint: several months ago i made a payment to pay off the balance on my XXXX XXXX credit card and have it closed. account number XXXX. the card is not used, and has not been used since. they never closed the card and the fee are up around XXXX now on a credit limit of XXXX. the company will not close the card, or reverse the charges and i have refused to give them any more money on an account that should have been closed and isn't used. i have gotten nowhere and my credit is being affected by this now. i don't know where else to turn. please help me
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i called the creditor that bought the debt that i discovered in XX/XX/2022, they refused to investigate as they did not believe it was identity theft, cant get the closed deragatory account off of my credit report.
Company Response:
State: NY
Zip: 10002
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My statement was {$75.00} due on XX/XX/22. I paid debt in full {$75.00} on XX/XX/22, a full 12 days prior to the date on the statement. Comenity bank says that daily interest accrues, but that is an unfair and fraudulent practice because the balance due which would have any accruals/fees is paid on or before the statement due date. For a {$2.00} interest charge, they harassed me by phone call and messages, taking repeated hits against my credit score, adding late fees and interest each month when there was no balance left to pay. I " took care '' of it with them on XX/XX/22 by allowing them to debit my account {$2.00} and absolving any other charges.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A