Date Received: 2022-11-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have sent multiple requests through the secure message center to receive a paper statement and bill They continue to tell me that if I don't have a balance there will BE NO STATEMENT. The website says its available online but it is not. I NEED MY PAPER STATMENT FOR BANKING PURPOSES. I have requested the same by phone and I'm told they can send it it. NOTHING
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/2022, I opened an account with XXXX XXXX COMENITY BANK to pay off a Engagement ring monthly. My credit shot down XXXX points. I owed {$1000.00} to begin with and now only owe {$460.00}. I have made on time payments every month, paying more than I owed every month. My credit score is not reflecting this since they are not reporting to the credit bureau. I need my credit score to reflect my on time payments to comenity bank.
Company Response:
State: TX
Zip: 77539
Submitted Via: Web
Date Sent: 2022-11-05
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: Discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX XXXX and XXXX credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX credit bureau are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor CB/AVENUE XXXX XXXX XXXX XXXX XX/XX/2015 Balance : {$0.00}
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Comenity Bank Unfairly closed my accounts now i ask them to remove those closed accounts from my credit and they are refusing to remove it. This is negatively affecting my credit score. I'm asking them please to remove these accounts that they refuse to reopen from my credit.
Company Response:
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: An XX/XX/XXXX payment to Comenity Bank was not applied correctly and as a result compounding interest + late fee was assesssed. The current total of fees and interest is below. XXXX XXXX Statement XXXX XXXX Statement XXXX XXXX Statement XXXX ( late fee ) XXXX Statement -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX total I sent the following message to their customer service on XX/XX/XXXX : XXXX XXXX XXXX returned funds to my account due to the payment on XX/XX/XXXX being REFUSED by Comenity Bank. In reviewing the billpay information for Comenity, I discovered that the account that is listed is no longer current. The number listed was the original account number when the account was opened. On or about XX/XX/XXXX, the account number changed. Regardless, Comenity Bank continued to accept the payment for exactly 6 years. For the month of XXXX this year, your system refused the payment. My response to this situation is this. If your bank no longer accepts payment for this account number, particularly after a period of 6 years, it is your responsibility as an upstanding business to notify the consumer in writing. I received no communication either through US Mail or via email of the update in policy. I submitted proof of payment from my bank that the payment was made on XX/XX/XXXX. They have yet to resolve and continue to assess interest.
Company Response:
State: VA
Zip: 20155
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Trouble using your card
Subissue: Account sold or transferred to another company
Consumer Complaint: We received notice on XX/XX/22 that our XXXX credit card would no longer be serviced by XXXX XXXX XXXX, We were never notified of this change even though, looking on line, it was transferred to Comenity Bank on XX/XX/22. I was first aware of this when I tried to use my card and it was denied, Since I have excellent credit I started to investigate and couldn't get any information by trying to log into XXXX and couldn't. After several days of trying we received the notice from XXXX. I finally reached someone at Comenity where I was told I could log on and pay my bill. Since we NEVER received new cards that would be impossible because we have NO IDEA what the account is. This seems like a SCAM - what bank does business like this? In addition to Comenity bank, XXXX and XXXX should be accountable for explaining to their customers this XXXX up.
Company Response:
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Multiple times since XXXX of 2022 I have been reaching out to XXXX XXXX to get assistance in resetting my online password, since each time I attempted it myself online I was given an error message. Whenever I called, the representatives only gave me a link to the home page and were unable to provide me further assitance. They even said that they were having " intermittent '' issues with the site and that there was nothing further they could do. I have had my bills for this card set to XXXX, so that I would go paperless and receive statements. This caused me to be unable to receive my statements, thus making me unable to see my transactions for accuracy, know when my bill was due, and then via the online portal properly schedule a payment. Today I have received a notice from the company that my card has been closed, yet the only reason this has happened is because I have not had access to my account since XXXX and have attempted to rectify the issue multiple times. I am now worried about the impact on my credit score this will have, since prior to this issue i have been making payments on time and consistently.
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Comenity Bank has not updated the activity occurring on my XXXXXXXX XXXX credit card since XX/XX/2022. As such the balance information is incorrect. Customer service indicated in XX/XX/2022 that it would be updated in 45 days. It still is not updated. My current balance is {$0.00}. I've had to file disputes with all 3 credit reports as well.
Company Response:
State: CO
Zip: 80112
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I'd like to start by saying this is XXXX XXXX and I am representing myself and my credit report in a whole. The Arizona Usury law clearly states that it limits interest rates at XXXX XXXX That If a bank or lending institution charges more than this interest rate, it will incur penalties. You claim this account that is on my report now, had a limit of {$1000.00}. Your balance per letter attached to my last claim was {$1900.00} which is well over the XXXX XXXX Arizona law limits per year. Also, your reporting states I owe {$1900.00} on XXXX, but {$1900.00} from what you've provided to me and the CFPB, per their records and mine. This is a clear violation as if the reporting is even off by a XXXX it invalidates the debt. Thus, for these XXXX reasons, the debt has to be deleted per my rights as a United states citizen.
Company Response:
State: AZ
Zip: 85033
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Received letter in the mail, stating that my Bread XXXX account application was on hold, due to my credit freezes blocking its processing. I have not applied for a Bread XXXX account, nor do I have any idea what that company is about. I called the bank listed on the letter ( Comenity ), and have been on hold for more than 30 minutes. I have no idea if they will ever answer the call or give me any useful info on this possible fraud.
Company Response:
State: VA
Zip: 22655
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A