Date Received: 2022-10-31
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 if the problem and remove the unauthorized information from my consumer report
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: XXXX just switched banks to Comenity. On XX/XX/XXXX I called to find out where my new card was & was told that it would arrive on XX/XX/XXXX. I explained that we would be in XXXX then & was there any way to get it sooner. I was told NO. Yet they wanted me to give them a payment over the phone. I said I would pay when my card arrived & I actually have an account with them. We arrived home yesterday & we have a bill from them but no credit card. I called to find out what was happening & at first they told me I wasn't in their system. When I mentioned I had a bill from them I was asked to read the # 's off the bottom of the bill & suddenly they found me. I explained that our card never arrived. I was told they would reissue my card & it would be at least 2 more weeks before it arrives. I told her to please understand that until I have an actual card & account with them I am not making any payments.
Company Response:
State: RI
Zip: 02816
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am writing in reference to my two accounts from Comenity Bank regarding my BJs credit card account. I was sent a new credit card for my BJs reward account in XXXX of this year. I was a little confused as my original card was not expired or expiring. I called to activate the new card and disposed of the old one. At this time, I had a balance on my account of {$2000.00}. When I received my first statement after this, I saw that I had a balance of {$4100.00}. I was confused as I had not charged anything on my card, so I called the company. At this time, I was told that I had a credit of XXXX on my old account number even though I was being charged the same amount on my new account number. I inquired about having the charge reversed so that I would just owe the original {$2000.00} but on my new account number. I was assured that this would take place and I thought I would just have the balance that I owed on my new card. It seemed from these transactions that somehow within your company, people transferred my balance from the original account to the new account, but did it twice. So that is why I had double the amount of money owed even though I never charged this amount. However, fast forward to now, and I received another statement but this time with another charge for {$2000.00} ( this being twice I have been charged this amount added to my original balance ). This brought my new balance owed to {$6700.00}!! Again, I only should owe the original {$2000.00} at this point. The only other charge that I made over the last few months was for {$360.00} to XXXX XXXX XXXX. So, the only balance I should have on either account should be {$2400.00}. At this time, I had also been charged interest on this fraudulent amount and was given a late charge, even though I had automatic payments set up with my original account. I never asked for a new account and when I was given a new card, the two cards were not linked in my account. At this time, I still have a balance on my card of {$6700.00} even though I only should owe {$2400.00}. The company keeps telling me that " they are investigating the matter '' but during this time, they are charging me interest and late fees on this astronomical amount that I didn't even charge! Something went wrong internally in their company when they were trying to issue me a new card and now they are fraudulently charging me extra balances. I am asking for this to be resolved and for my original balance to be restored.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I made a purchase from the company XXXX with 18 months without interest that expired on XX/XX/2022. But before the date expired i spoke with someone from customer service and I asked her " if I did not pay my balance in full, what would happen? '' and she told me that they were going to charge me interest on the remaining balance.which for that time was about {$400.00} dollards. Y last balanced show that they charge me {$620.00} for due to expiration plan charge and I feel vetrayed by the person I spoke and the company because she works with XXXX
Company Response:
State: SC
Zip: 29720
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I purchased a couch through XXXX XXXX on XX/XX/2022. I applied for a credit card to purchase the couch. The credit card company is called Comenity. We were approved for {$1000.00} which covered the entire cost of the couch. Since XX/XX/XXXX, we have made ALL payments on time however, nothing has been reported to the credit bureau. When I look up my credit report, it shows that the line of credit is still being used at 100 %. That is not true because we have made payments on time every month. We called the company and the representative stated that As you know, the system had been down for 3 months. And that It is not their fault, its the credit bureaus fault. We paid another payment and nothing still has not been reported to the credit bureau, which is affecting my credit.
Company Response:
State: OH
Zip: 44708
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I am writing about an issue I have had with Comenity Bank. I have a Victoria Secret, Ulta, Express , & New York & Company card with them. Back in XXXX of this year I lost my job which caused me to require financial assistance so I called comenity to let them know. They transferred me to their Hardship Department which set me up on a payment plan with them. Since that date they have been automatically taking payments from my account. I have called them so many times to explain to them that my account is not being accurately reported to the credit bureaus. They dont believe me and will not help me. The representatives do not understand what I am asking for they will not help me in any capacity. I am on time with my payments and so far the only account which reflects this is Victoria Secret. Not only is this effecting my credit it has caused me to get denied for housing. Ive tried disputing it with the bureaus and they will not remove it. This is insane that they are allowed to do this when they are taking the money from my account each month automatic payments! Ive emailed their ceo their executive office no one will help me. As you can see from the screen shots the last time theyve updated their reporting for me was XXXX and XXXX of last year siting also that they havent gotten a payment since XXXX when they just withdrew a payment from me in XXXX! Please help me!!!
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX has not reported to XXXX and XXXX since XX/XX/2022 and XXXX on XX/XX/2022. I contacted the company this morning and spoke to the representative XXXX XXXX XXXX who stated they had a glitch in XXXX and turned off the reporting for all of their customers. As I explained to her, I could understand 30 days to fix a glitch but not four months on non reporting. She stated she was submitting the request so they can in turn report again. If I had not called and asked after reviewing my reports this would have been ongoing.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am receiving harassing phone calls that I have not made my BJ 's Comenity monthly credit card payment [ end of XXXX ). I have gone to bjs.com and clicked on link to 'Pay My BJs Perks Mastercard Credit Card Bill ' and am able to log in. After I log in, I see a message on their screen that says their website " Page not available. We are experiencing technical difficulties. Smaller letters below that headline reads 'This page timed out or can not be found. If you need immediate assistance, visit Comenity.com and search by brand name to find the Customer Care phone number for your credit card account. '' I did that as above, and it loops me back to this same page. I have reported this company ( Comenity Bank ). they are performing a very poor service. Everytime I try to make a payment, their website is down. They then make harassing phone calls even though I pay my bill via online 100 % of the time and am unable to do so because Comenity website is down. The last time I reported this- they reported my unpaid amount to XXXX, dropped my credit score, and I couldn't purchase a home when the interest rates were low. By the time XXXX investigated, the interest rates had escalated. Please have someone address the fact Comenity should be asked why their website is constantly down, and consumers should be reimbursed. I am not able to message them because their website is down. IF I wait on the phone, its a very long wait. This is customer abuse.
Company Response:
State: NY
Zip: 10708
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair credit and reporting act this creditor has violated my rights under 15 usc 1681 section 602 states i have the right to privacy. 15 usc 1681 section 604 a section 2 states a consumer reporting agency can not " FURNISH '' an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A