Date Received: 2022-11-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I found out about this alleged debt when I received a call from a debt collector stating they are calling with Comenity Bank/Ikea . I filed a dispute and told them I never opened an account with this bank and company. I am being harassed by phone calls and have yet to hear a response for my dispute. I have attached and FTC Identity Report to my complaint.
Company Response:
State: VA
Zip: 22312
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Comenity removed my online account access when I closed my XXXX XXXX credit card account. I can no longer make payments online. They will only accept payments on my account by mail or by phone. There is a fee for making a payment by phone.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
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: Thank you for your response to my XX/XX/XXXX complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX that was submitted through the portal. After careful review of your response to my complaint, I am still denying all allegations by you. In your letter, you stated that An investigation of this matter indicates you became the servicer of account ending in XXXX on behalf of purchaser XXXX XXXX, XXXX ( XXXX XXXX ) on XXXX XXXX, however the letter that you attached to your response in the portal with the CFPB states that the account was purchased on XX/XX/XXXX. This letter has a date in the top right hand corner of XX/XX/XXXX. I never received any correspondence from Commenity Bank ending in XXXX regarding this matter. You contend that the account originated on XX/XX/XXXX, however the statements provided begin with XX/XX/XXXX. You claim to have purchased the account on XX/XX/XXXX, but your response, includes a statement for XX/XX/XXXX from Commenity Bank regarding this account. In your next contention, you stated you became the servicer of the account ending XXXX on XX/XX/XXXX, however the letter that you attached from Commenity Bank ending in XXXX that as of XX/XX/XXXX you were the new owner of the account. The date this letter was sent is displayed in the top corner as XX/XX/XXXX, however your attachments included a statement from XX/XX/XXXX. For account ending in XXXX you state you became the account servicer on XX/XX/XXXX, and this information originated from Commenity Bank with account ending XXXX. According to the letter from Commenity Bank that you attached to your response, as of XX/XX/XXXX, you were the new owner of the account. This letter has a date of XX/XX/XXXX. You claim the account originated in on XX/XX/XXXX, however the statements only go back to XX/XX/XXXX. You attached a Trial Judgment to your response however, this judgment was never served on me. Also, your judgment does not indicate which account this is for. I pulled the case history from the XXXX XXXX XXXX XXXX, and there was never any service of this XXXX. I also noticed that there was a hearing listed on XX/XX/XXXX, but there is no Notice of Hearing filed for this date. How can someone appear for a case if they were never placed on notice? An Application to the court for an order and notice of any hearing thereon, not presented during a hearing or trial, must be served upon all other parties not less than XXXX days before the time specified for the hearing, unless otherwise unless provided by these rules or shortened by the court XXXX. XXXX XXXX. XXXX XXXX. I also have not received any copies of any of the pleadings that were filed in this case. Nothing was mailed to me or served on me by the XXXX or your counsel. If it was, then please provide the certified mail return receipt. You state that the service numbers have changed, and you have record of all of this, however, record was never submitted to me, nor was any original account information which I repeatedly asked for. You purchased account number XXXX provided by Commenity Bank ending XXXX and state the account originated on XX/XX/XXXX. As stated previously, you have yet to provide any original account information, which I have once again repeatedly asked for. You claim to have purchased this account on XX/XX/XXXX, however the letter you attached shows you became the owner of this account on XX/XX/XXXX. The date of this letter is for XX/XX/XXXX. The letter shows XXXX different balances. Once again, the statements have issues as well. A copy of this letter and corresponding evidence has been submitted to the CFPB and the Texas Attorney Generals office. I encourage you to remove all accounts at once or face legal action against you. You have not provided accurate information and your evidence along with the letter you submitted to the CFPB shows this. I will move to have the Judgment thrown out due to a violation of due process. A copy of this letter will be sent Certified Mail Return Request Receipt to the address on the attached letter that you submitted. The statute of limitations has also run out on all negatively reporting commenity bank accounts on my report so I ask that these be removed as well.
Company Response:
State: TX
Zip: 78717
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have had a XXXX credit card with Comenity bank now under bread financial. I have been unable to use the card itself for 4 months. They state it is system issues. I was told to not pay on the balance until they get this fixed. They have not gotten this fixed and keep postponing when I can use my account. I no longer can do anything with this account other than pay the late fees which have accumulated. I have had a open credit limit on this account and the account has been in good standing up until their system issues. Due to their system issues this is impacting my credit and the use of their issued credit card. Any customer service representative just asks me if I want to close the account instead of proving a resolution.
Company Response:
State: OH
Zip: 44116
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have been the victim of identity theft in XXXX and XXXX. I have had multiple attempts of fraudulent activity using my stolen identity to open credit cards, XXXX accounts, checking accounts and had my phone number remotely stolen. I have still an unresolved hard inquiry still showing on my credit reports that are affecting my credit score and I would like this removed. XX/XX/XXXX - Comenity Bank, XXXX XXXX XXXX fraudulent attempt to open a credit card at XXXX XXXX department store. I have never been to a XXXX XXXX department store in my life, nor have I tried to open an account with them. I did dispute this inquiry with Comenity Bank and they did confirm this was unauthorized. They sent a letter confirming this fraudulent activity on XX/XX/XXXX and they wrote they would notify all credit bureaus. However, XXXX and XXXX still have not removed this hard inquiry and both requested I fill a dispute with FTC.gov. I have tried multiple times as well this year to contact XXXX XXXX directly as well but they do not answer their phone calls.
Company Response:
State: CA
Zip: 95356
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: 2022-11-09
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I had {$1200.00} worth of XXXX XXXX in XX/XX/2022. The dentist offered me interest free financing if paid off within XXXX mos, through Smile XXXX/Comenity. My credit score is up in the XXXX 's, and always pay my bills on time, so I was approved. I got my first bill, which showed XXXX XXXX interest, but a monthly " service charge '' of {$14.00}, which amounts to XXXX XXXX or {$89.00} if paid off in the XXXX mos. I was not told there would be a monthly service charge for this credit card when I signed up for it. This sounds like a proverbial " bait and switch '' tactic and should be against the law. The consumer should be advised about the " service charges '' in advance and given the opportunity to refuse the credit card on those grounds, and make other arrangements for payment.
Company Response:
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Upon checking my credit report, I notice an account from Comenity BankXXXX that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2022, ( See Attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus ( See Attached ), along with my incident report ( See Attached ), asking them to verify or remove the negative report on my credit report that Comenity Bank/XXXX were reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you for help me with this matter.
Company Response:
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX, OH XXXX Re : Closed account ending in XXXX, Active account ending in XXXX In XX/XX/XXXX I misplaced my BJs credit card ending in XXXX, and closed the account. In XX/XX/XXXX I paid my active card ending in XXXX. You credited my closed account for my payment hence the credit balance. I called customer service and was told the monies would be moved to the active account and the late fees would be waived. It has been 2 months, I stopped using the XXXX account. You never transferred the payments to the active account, you have charged me {$60.00} in late fees and interest. What do we need to do to correct this? Thank you, After this letter they moved the credit from the closed account to the open account but they left the late fees, interest and charged a membership renewal to the active card. I sent them a letter saying I do not want to renew, I am not using the card and I want a credit for the late fees and interest. They called today to say they are putting me in collections. I have tried calling and was told everything has to be in writing at this point. I am in my XXXX and would like to have my record clean before I die. This card is linked to a BJs wholesale club membership I do not want the card or the membership. I just want out of this relationship.
Company Response:
State: NY
Zip: 10541
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX 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 any purpose.
Company Response:
State: OK
Zip: 73072
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was in XXXX XXXX from XXXX and XXXX XXXX is collecting on a Victoria secret credit card on my credit. This is fraud from identity theft. I have not opened authorized or signed for this debt. Please remove it immediately and stop violating my rights
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A