Date Received: 2022-11-08
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: I have tried to get an error fixed 3 times and XXXX has failed to address the issue in all responses. Comenity express is showing late payments. I did not have a single late payment with this account. There was en error in processing from the bank that had nothing to do with me.
Company Response:
State: TX
Zip: 79905
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have on several occasions reached out to ask this company to verify a debt, they claim belongs to me as me and my son have the same name. He is a junior and I am senior. Thye continue to say its verified and I ask for something to prove this. I have yet to receive anything from them. Please send something verifying that this account belongs to me or remove it from all my credit reports. Please do not continue to ignore this request. I dont want something on my credit report that doesnt belong to meet and continues to hurt my credit. Account XXXX
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: After spending an hour on the phone today, XX/XX/XXXX with three different Comenity Bank associates, I was rudely treated and was told that they could not do anything. I had called them to find out why they raised the interest rate on a closed credit card account. They said they have the right to do so. They can do whatever they want. Since the account is closed, they never notified me. But, on the billing statement ( I still have a balance that is being paid ), I noticed in the fine print on the statement that the interest rate was higher than ever before. I referred them to the Credit Card Act of 2009 that President Obama signed into law. It considers the closed account balance as a " Protected Balance '', one in which the prevailing interest rate at the time of the account closure will be in effect. This law was passed to protect consumers like myself. In dealing with this Credit card company : Comenity Bank, I found that they will not protect their customers and willing change their internal procedures to squeeze their customers for more money than they are allowed to demand from them. The Bank is unwilling to follow the laws of my state and the federal government and their customer service representatives are unaware of them. I had to make them aware of the laws because they were not even familiar with them. However, they stated no one at the Bank had the authority to change the interest rate back to the frozen rate. I am making a formal complaint and want some action. Thank you.
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: In mid XXXX, a little more than XXXX weeks before my payment was due ( and end of a promotional finance period ), I started an online balance transfer process from my XXXX XXXX Bank and XXXX XXXX XXXX account ( they partner with XXXX XXXX ) to my account at XXXX XXXX XXXX ( they partner with Comenity Capital Bank ) in the amount of {$12000.00} ( that would have paid off my balance ). At the end of XXXX, I contacted XXXX when I noticed that a XXXX balance transfer I did several days later ( also from XXXX XXXX but to another company ) had been processed before my one with XXXX. At that point they said that payment hadn't been received yet and I kind of forgot about it as I was going on vacation. On XX/XX/XXXX, I received a phone call from XXXX saying that payment hadn't been received. In several phone calls with XXXX XXXX and XXXX, we worked out that the first check ( that had to be mailed, XXXX doesn't accept electronic transfers from XXXX for some ungodly reason ) would be cancelled and a new one issued, and that a promise to pay was made with XXXX for {$12000.00}. It was established that any deferred interest that accrues could be discussed once payment was received. After verifying the correct mailing address and account info, a check was supposed to be issued soon. For some reason, a check wasn't issued by XXXX until XX/XX/XXXX or XXXX. It was posted to my XXXX account on XX/XX/XXXX. After several phone calls the morning of the XX/XX/XXXX to XXXX, they are refusing to work with me on the deferred interest charges ( of about {$1200.00} ). I have XXXX late payments in my credit history and I believe I have acted in good faith. The checks I wrote for the previous XXXX payments I made to XXXX had no issue being received/processed in the approximately XXXX weeks I get between receiving my statement and payment being due. There is XXXX reason to think it should take more time for a balance transfer between XXXX financial institutions in 2022. As a note, I only have billing statements from XXXX. XXXX and XXXX have the recorded phone calls. I have no other paperwork to provide.
Company Response:
State: IN
Zip: 47803
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In my attempt to raise my credit score ( and get a home loan ) I discovered that Comenity Bank/Bread Financial had not reported my account payments or balance to any credit Bureau in over 5 months. It appears the last report they submitted was at the beginning of XXXX. It was in fact, just after a missed payment, leading to a drop in my score of over XXXX points. Since then I have worked diligently to pay off the remaining balance of the account ( currently {$0.00} ). But the account still shows up on my credit report with an outstanding balance of nearly {$4000.00}. I reached out to their Customer service call center and recieved no assistance. XXXX, the XXXX memeber that I spoke with, attempted to find and send me an official letter stating the current standing of my account. I never recieved that letter. Next I reached out through their online message center, where I clearly outlined the situation. XXXX XXXX, the representative that responded, completely dodged my request and said that they are not able to report the information because of a " recent system update ''. Call to Comenity XXXX XXXX XXXX XXXX XXXXXXXX, XXXX minutes, no result. Email to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, response unsatisfactory. Call to CFPB - XXXX XXXX, XXXX XXXX Directed me to this complaint system, very helpful.
Company Response:
State: MD
Zip: 21043
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
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: My balance has not been updated since XXXX. It has ruined my credit score and my ability to get a good mortgage. It takes weeks for a response and people in customer service XXXX XXXX XXXX XXXX. It's been a nightmare. I'm thinking about getting a lawyer at this point. It's unfair. Bread Financial doesn't give a damn about its customers.
Company Response:
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2022, XXXX XXXX XXXX abruptly switched my XXXX credit card accounts to Comenity Bank, with their parent company being Bread Financial. New cards were alleged to have been sent on that date. Today, XX/XX/2022, I have not received the original cards that were said to have been sent, nor the " replacement '' cards the bank promised were sent on XX/XX/2022. Instead, over 2 dozen phone calls, emails, tweets to Bread Financial and Comenity have been met with failed explanations, nasty rude behavior by their CS agents, claims of call backs that don't come or come and leave me stuck calling back the trunk line. Now, I've received a hard copy statement for one account to my home, and an email statement as well, but no cards. This is happening to many but I need help please.
Company Response:
State: CA
Zip: 91326
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX changed credit card company XXXX Bank XXXX XXXX to Comenity Bank. I have a life insurance policy from XXXX and I did not want another card so I tried to decline and they are trying to bill me before the new card even got charged with Life insurance premium with late fees and interest. after I had already paid XXXX Bank XXXX XXXX and my pre existing XXXX bank card.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I closed my account with children place /comenity bank in early 2021 I had a XXXX balance with them. They charged me interest and late fees on a account that was supposed to be closed. Its now been almost 2 years and I have a XXXX + balance on a card that I havent made a purchase on. I talked to customer service and they didnt want to fix it.
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: it says according to my credit report that my balance has not been paid off., My balance has been paid off in XXXX for XXXX and is still showing. I am requesting the company to remove it immediately and show that my balance has been paid off.
Company Response:
State: WI
Zip: 53172
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A