Date Received: 2022-10-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2022, I submitted a payment to Comenity bank on my BJs MasterCard to pay my outstanding credit card bill in full -- as I do every month. Comenity lost this payment in their system and was unable to correct their error until XX/XX/2022 ( yes, that's 98 days later ), despite dozens of phone calls and documentary proof of my payment submitted by me. Throughout this ordeal, I continued to make payments in full each month to cover all of my purchases from the previous billing cycle. I asked Comenity to hold off on applying any late fees or finance charges to my account while they searched for my lost payment. Comenity refused. Instead, Comenity applied the following charges : XXXX, {$30.00} late fee and {$39.00} finance charge ; XXXX, {$47.00} finance charge ; XXXX, {$43.00} finance charge ; and XXXX, {$30.00} finance charge. This is a total of {$190.00} in improper and baseless charges. After finally locating my payment, Comenity refunded only {$53.00} to my account : the {$30.00} late fee ; a {$22.00} finance charge refund backdated to XX/XX/XXXX ; and a {$0.00} finance charge refund backdated to XX/XX/XXXX. Comenity still owes me a refund of {$130.00} in improper fees.
Company Response:
State: NY
Zip: 10562
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Please note that the minimum payment is due on XX/XX/2022 and the amount is XXXX. I made a partial payment of XXXX on XX/XX/2022 to apply to account and will pay the balance of the min payment before the XX/XX/2022. I spoke to a representative last week to confirm this transaction. Here are the number of times they have called me just today already. here ae the times, XXXX, XXXX, XXXX, XXXX, and that's just today and its only XXXX. I have an injury so im unable to work but is still making payments. I called and spoke to a representative XXXX and told her that I already spoke to someone regarding this payment. I informed her that it was illegal for her to call so many times during the day and that was harassment. She told me she had the right to call and that she will call because I failed to pay the minimum amount. The representative then placed me on hold with music and left me online.
Company Response:
State: NY
Zip: 10451
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: My name, address, phone number and social security number are being used to apply for a XXXX XXXX XXXX XXXX. The application was denied. The email attached to this application is XXXX. That is not my email. The application was opened on XX/XX/2022. I was finally able to track down a person at XXXX XXXX who had a copy of the application. He told me about the above email. The application number is XXXX. In XXXX of this year someone opened a XXXX XXXX XXXXXXXX XXXX from XXXX XXXX XXXX and charged {$1200.00} and never paid it. This is how I found out that someone was using my personal information. XXXX has closed that account finally. Because of these XXXX incidents, I have frozen my credit reports.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Bank is billing me for purchase that was returned and I was credited for. I have been sending them letters and copies of credit received from account but they continue to bill me. They added interest onto amount that was credited. The bank calls me several times a day and night. Harassing is out of control. Such fraud going on. Account : comenity bank - XXXX Amt. billed : XXXX of which XXXX is late charge
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I haven't had a new purchase in XXXX months. On XX/XX/2022, I received a statement that I ower {$180.00} on a balance of {$0.00}. I called customer service and they agreed to retract the balance. On XX/XX/2022, I received another statement that I owed a balance of {$370.00}. I am incredibly frustrated with Bread Financial. This is the second claim I've opened with CFPB and I hope that the Bureau opens a serious investigation into this financial organization.
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
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: On XXXX XXXX I called Victoria Secret to request the buyer of the alleged debt regarding XXXX # XXXX. I spoke with XXXX, he works in the dispute Dep and can be reach @ XXXX Ext XXXX. XXXX could not locate this account and was not aware of the debt nor the buyer, he also allowed me to record our conversation which I would like to include in this complaint, he agrees that no detailed information is listed on my consumer report. The following item is inaccurate and negatively effecting my credit. I called XXXX immediately. I asked for verification of debt or a judgment and was told that word of mouth from any company is excepted as validation of debt and that they could not send me anything in writing. XXXX has not properly investigated this account. Both of these companies are committing fraud willingly and knowingly. It is my understanding that under law you have 30 days from receipt of this letter to verify this item. it should be understood that failure to do so constitutes reason to immediately delete this item from my credit report { FCRA 15 USC section 1681 ( 5 ) ( A ). You may send an updated copy of my credit report to the correct address listed on my report. According to the provisions of 15 USC 1681j, there should be no charge for this notification.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX HAS BOUGHT A DEBT THAT HAS BEEN PAID FROM VICTORIA SECRET AND NOW HAS SOLD THE DEBT TO ANOTHER COLLECTIONS AGENCY! Victoria secret, XXXX XXXX XXXX AND XXXX XXXX XXXX HAS BEEN CALLING, SENDING LETTERS, and reporting to agencys on my XXXX file.
Company Response:
State: PA
Zip: 15239
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: Beginning on XX/XX/XXXX of the year XXXX till the current, My accounts at Cominity Bank- bjs ending in XXXX, case # XXXX. Along with an XXXX account with a case # XXXX. Both accounts have been in fraudulent use with multiple unauthorized transactions starting from and around accounts opening. I believe my cards were stolen and has been in use since, and all transactions on the accounts are unauthorized and are a result of fraudulent activities
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Company is calling nonstop from business and restricted numbers. Tried calling to see why and was told well we probably arent the only debt collectors calling you, we do nothing to violate your rights
Company Response:
State: IN
Zip: 46142
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
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 had a Wayfair card some years ago. At some point, Wayfair discontinued their card, but Comenity bank took over and looks like they created accounts for everyone who had a Wayfair account. I do not recollect activating my new Comenity account. I called Comenity and one of their associates confirmed that somehow my account got activated. Someone used my card for fraudulent purchases in XXXX. I was located in XXXX at the time. Subsequently I moved to XXXX XXXX and then on to XXXX. While in XXXX, I received a bill for purchases I did not make. Their customer service reps also made several calls to me to ask me to pay for the bills. I made several calls to Comenity and after long wait times sometimes exceeding 40 minutes, they opened a fraud investigation into this. Subsequently I kept receiving bills for payment and calls and each time I called them to ensure I was not being charged for these fraudulent purchases. Each time they assured me that the investigation was underway. Then today I received another bill from them for late payment charges and a call from their customer service. I'm not confident this company is acting in good faith. During my calls with them their fraud department did tell me that other customers were also impacted by this issue. So this issue seems to be more wide spread.
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A