Date Received: 2022-10-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX by Comenity Capital Bank has not updated information with the credit bureaus since XXXX. I had made a major purchase in XXXX so it is showing a high balance on my account even though the account is now paid off. This is causing my credit utilization to appear much higher than it actually is, which is adversely affecting my credit score. I contacted Comenity and their response is that due to a failed system update in XXXX they have chosen not to report credit information at this time. If they are not going to provide updated information to the credit bureaus, the credit bureaus need to disregard the outdated information.
Company Response:
State: OH
Zip: 45011
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/22 I paid my full balance and requested the account be closed. On XX/XX/22 I received correspondence vial post mail from commenity forever 21 stating my account has been closed per my request and the balance on the account is XXXX. On XX/XX/22, the company charged me a minimum interest fee of XXXX, then charged a late fee of XXXX on XX/XX/22, and then charged another minimum interest fee of XXXX on XX/XX/22. When I reached out the company the response, I received was that is the policy, and I can pay the XXXX to avoid being charged further interest. This company never sent any communication about the initial minimum interest, only an email stating I had a balance due which was received on XX/XX/22.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: The XXXX card was processed by XXXX XXXX XXXX. Last month the processing was changed to a company called " Comenity ''. The card does NOT work everywhere. I was embarrassed at The XXXX XXXX XXXX XXXX XXXX and XXXX XXXX just in the last 2 days. Both XXXX and Comenity said that is the way the new card works. It is only working if the terminal of the vendor uses the " CHIP '' technology. This was never given as a warning to all customers, and I think it is a very bad customer service issue for all. Thanks for any assistance.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: In XXXX of XXXX I paid my account balance in full that was late. At that time I was told my account was closed and in good standing. In XXXX of XXXX I ran a credit report and see Im 90 days late and owe them XXXX XXXX I called and was told the new balance is XXXX XXXX I was told my account had been closed since XXXX but these are the account fees for each month plus late fees. I call back XX/XX/XXXX and was told now that the fees are from monthly XXXX $ Open account payments plus late fees plus return fees from a auto draft I never set up. The card was closed in XXXX with a full payment and still being charged. I have asked to speak with a supervisor on XX/XX/XXXX and no one answered after over a hour on hold. Before being transferred my only option was to pay XXXX $ on a card that had a XXXX $ balance in XXXX of XXXX and closed at that time.
Company Response:
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid {$9000.00} off My credit card bill bringing my balance to zero XX/XX/XXXX. It is now the end of XXXX, and this is still not been reported to my credit. I have sent two messages to comenity asking for them to report my balance to my credit. Both gave me nothing but generic information saying that it could take up to XXXX calendar days for my credit to be updated. It is now been well over 90 days, and there has been no updates.
Company Response:
State: NH
Zip: 03104
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XXXX I made a payment of {$880.00} to fully pay off my account. The money was taken out of my bank account and showed that I owed nothing on my credit card account. A week or so later I checked the account and it showed that I still owed that amount on the account. I called and sent messages to Comenity and they started an investigation. Everyone kept saying that it shows that the payment was made and I just happened to make the payment while their system was in transition and it would be figured out soon. After many calls, and many messages. They still have not fixed the problem. I have shared my bank statements and everything they may need. But nothing has expedited the process and I am still having to pay every month.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: In XXXX of this year, I opened a credit card account with XXXX ( Comenity capital bank which is now Bread Financial ). I purchased items but made a return in the amount of {$160.00} to XXXX which was never returned to my available credit. I went to the store where these were returned and they said that I needed to contact Bread/ Comenity credit card to make a dispute. This company has no direct email address and utilizes outsourced " customer Service '' agents to which I contacted multiple times. Each time, I'm assured that this transaction would be reflected on my next statement this has never happened nor was I given a proper dispute # that was promised via email. Additionally, I made a purchase ( online ) in XXXX in the Amount of {$68.00} which was never received although they said it was delivered. I have made multiple attempts to pay what I do owe online and each time, the website says I can not make a payment at this time and I have to call in. I have since accrued additional late fees and interest because of this and this has been reported to credit bureau. Please advise XXXX XXXX XXXX XXXX
Company Response:
State: SC
Zip: 29412
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: For the past three years I've been threatened with court from litigation companies for a debt that was paid. The first time I paid I was young and didn't save a copy that it was paid in full. Last year was contacted, paid AGAIN because I couldn't find the letter I needed. I did save this paid in full letter. This year was contacted again! This time I forwarded the pay in full letter to the litigation company. This is paid IN FULL and I was never contacted regarding the debt! For the 2nd time. I WANT MY ACCOUNT CLOSED AND TO NOT BE HARRASSED EVERY YEAR.
Company Response:
State: KS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: There are accounts still furnishing on my credit report as closed/charged off. Account needs to be removed and deleted from consumer report effectively immediately. I have a right to PRIVACY and a right to fair and equitable credit report. Under the definitions sections of the FCRA ( Fair Credit Reporting Act ) 15 usc 1681 a ( e ) defines the term " investigate consumer report '' ; which states the only way to verify information in a consumer report is to conduct personal interviews with neighbors, friends, or associates of the consumer. This definition also states such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. According to XXXX5 usc 1681 c- requirements relating to information contained in consumer reports. ( a ) information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. please check with FCRA starts at 15 usc 1681 Truth in Lending starts at 15 usc 1601 FDCPA starts at 15 usc 1692 all of the above backs me up as a consumer to delete all negative items.
Company Response:
State: GA
Zip: 30021
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Comenity Bank ( XXXX XXXX ). I have been charged late fees multiple times, even though I paid my bill on time. I am tired of Comenity Banks shyster business practices and decided to close my account. So I paid my balance online. Confirmed a {$0.00} balance. Made a phone call to Comenity, requested that the XXXX be closed ( you have to call them directly to close the account? ) So I sent screen shots of the XXXX balance and website comments to Comenity. Comenity sent a letter stating that I owe them {$90.00} even after I sent a screen shot of the XXXX balance.
Company Response:
State: AZ
Zip: 85750
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A