Date Received: 2022-10-24
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I have to used my comenity XXXX XXXX card in almost a year every fee months my card is being charged and assure fees are being added to purchases I did not make. I am opted to receive billing notifications but I havent reciprocated any of them and I keep getting late fees for purchases I did not make. Every month they double. I have called about this issue before and all the charges were disputed and I still had to pay a fee for something I did not use.
Company Response:
State: CA
Zip: 90003
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: Closing your account
Subissue: Can't close your account
Consumer Complaint: I closed acct. XX/XX/XXXX, they place another charge on card on XX/XX/XXXX, they will not answer phone all day.
Company Response:
State: NJ
Zip: 087XX
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: 2022-10-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid my entire account balance of {$900.00} with Comenity Bank ( Express Credit Card ) on XX/XX/2022. Their website was down most of the summer, and so I called that day to make my payment. Finally in XXXX their website was back up, and I was able to verify my payment went through and shows a {$0.00} balance. During this entire time frame Comenity Bank stopped reporting to the credit bureau, their last update shown is from mid XXXX. This has been dragging down my credit score for 5 months now. It should show a {$0.00} balance, and not have any late payments for this credit card because the month I received my statement for {$900.00}, I paid it off entirely that same month. In XXXX I reached out to Comenity by phone again to have this resolved, and was told the credit bureaus would have to sort it out. Comenity Bank now is ran by Bread Financial. Today I just submitted disputes with all three credit programs XXXX, XXXX, and XXXX. I really need this to be removed from my report immediately, as I am under background investigation for my new job, and do not want this to negatively impact me.
Company Response:
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was using a new XXXX credit card through Comenity Bank and had {$170.00} due XX/XX/2022, I paid the full amount of {$170.00} on XX/XX/XXXX. I then realized Id get a late fee for paying a week late so I called comenity bank the same day to ask if I could get my late fee of {$41.00} waived as it was my first time ever being late to a payment and I was away on vacation when I received the bill. The representative told me that was fine and assured me he cleared my balance and waived the late fee, I made sure to double check that my balance was XXXX and I was told that it was. Recently, I was receiving calls from comenity bank saying I had charges due, I called on XX/XX/XXXX to see what were the charges and the representative told me I had {$120.00} due from the initial late fee adding up as the months passed and I had no idea. I was speaking to a representative and he was going to waive the additional late fees, but then the call got dropped. Called back again and I explained my situation to another representative and he told me he had no record of anyone waiving a late fee, but he understood my situation and said I could just pay {$36.00} and he would waive the rest of the late fees. I agreed and paid the XXXX on XX/XX/XXXX. I see I indeed got charged the {$36.00} but wanted to make sure my balance is actually XXXX this time. I call to check and the balance is {$90.00} now, which means they did not waive these late fees and would have continued to pile on late fees. Every time I speak to someone they rush me away and assure me it is being handled when it is not. I messaged them on various platforms repeatedly and was told the changes would appear in a few days. On XX/XX/XXXX, I was connected to a supervisor finally, they told me that they actually can not waive late fees because XXXX doesnt allow that, then I was switched to another supervisor who then told me they did waive only {$30.00} on XX/XX/XXXX. I hadnt even gotten in contact with them before XX/XX/XXXX so that can not be true. They said they can not waive any more late fees and have no record/notes of any communications with me. They said I had to pay it. So then I paid the remaining {$90.00}, but this is not right. I was lied to repeatedly by more than 4 representatives telling me they waived my late fees and my balance was at XXXX. And they told me they canceled my credit card per my request, which the supervisor told me did not happen either! This bank is full of liars and thieves. Ive paid double of what I should have and wish I never signed up for this credit card. Im hoping to get a full refund on all these late fees because it is not my fault whatsoever that I was lied to and made to believe my balance was XXXX so they could keep charging late fees. The bank is overall shady and suspicious, I know theyre a real bank but they sure do seem like scammers and basically are.
Company Response:
State: NY
Zip: 11743
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: DISPUTED ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMENITY bANK XXXX XXXXXXXX I have been disputing the accounts since XX/XX/XXXX and XXXX failed to delete or remove the inaccurate accountS instead they keep changing information within the creditline, from date opned, amount owed, owner of account etc. TOTALLY INACCURATE CERTIFIED DISPUTES DATES XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX. The following are identifiable violations visibly reflected and can be proven by the actual credit reports presented as evidence. XXXX on XX/XX/XXXX removed credit line with XXXX XXXX AND XXXX XXXX XXXX, then re-age the debt from XX/XX/XXXX to XX/XX/XXXX and added XXXX XXXX a violation of the FDCPA and FCRA. Section 623 ( 5 ) ( A ). FALSE AND INACCURATE REPORTING JUST WRONG ACCOUNT INFORMATION See XXXX credit report number # XXXX dated XX/XX/XXXX and report # XXXX dated XX/XX/XXXX. Attached CREDIT REPORTS SHOWING FDCPA & FCRA VIOLATIONS AS CHARGED ( attached ) XX/XX/XXXX. # XXXX XXXX XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX. # XXXX XX/XX/XXXX # XXXX SPECIAL NOTE for Complaint against CRA XXXX It should be noted that since # XXXX student loan educational loan was initially inserted on plaintiff credit file the following SEVEN changes were made to the entry : 1. Changed from student loan educational loan TO unsecure loan 2. Changed from one year of ON-TIME payment TO no payments made 3. Changed from XXXX XXXXXXXX XXXX TO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removal of XXXX XXXX as original creditor 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( account open twice ) ALL THE ABOVE CHANGE CONSTITUTES INACCURATE FALSE AND MISLEADING CREDIT REPORTING FCRA SECTION 623 ( 5 ) ( a ) 605 ( C ) FDCPA SECTION 1692 ( e ) 1-2. Continuing to report inaccurate credit line is proof of : willful, negligently, wantonly causing damages to plaintiff. 1. Failure to validate a disputed debt FDCPA SECTION 809 ( b ) 2.Failure to report a disputed debt to CRA FDCPA SECTION 807 e ( 8 ) 3.Continue to report without validation FDCPA SECTION 809 ( b ) 4.Calling after hours FDCPA SECTION 805 ( A ) ( 1 ) 5.Using harassment and abuse threats FDCPA SECTION 806 6.False and misleading representations FDCPA SECTION 807e 7.Furnishing false and deceptive and misleading reporting FDCPA SECTION 812 8.Falsely furnishing false on-time payments to CRAs. SECTION 807.
Company Response:
State: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has continued to violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B A creditor may not treat a payment on a credit card account under open in consumer credit plan as late for any purpose.
Company Response:
State: WI
Zip: 53713
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have two credit cards through commenity bank, one with XXXX and one with XXXX Victoria Secret. Both cards are being paid on time or nothing is owed. I started recently receiving up to 20+ calls a day coming from various numbers with a XXXX area code. Example of numbers is XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX etc etc. As soon as I see this number I block it and then almost immediately it calls again with a new XXXX number. I googled a few of these numbers and each time it shows up as complaints people are making for robo calls and it says this is coming from Commenity Bank. The super weird part of this is that my account is in good standing and Im a good customer that always pays on time. I dont understand why they would be harassing me. Just so that this stops I made an extra payment today for {$40.00}. Regardless they are relentless and they are putting my son and I in jeopardy because we are experiencing XXXX XXXX and they are also calling from unknown numbers. The problem is that so does law enforcement. The calls are getting so out of hand that I have silenced unknown numbers. This means when law enforcement is trying to contact me as a victim of ongoing XXXX XXXX they cant get through because they also often use unknown numbers. I believe this robo calling is unlawful harassment and it needs to stop and is making my life as a victim of abuse and my childs even worse. This needs to stop.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter in the mail from Comenity Capital Bank thanking me the XXXX XXXX XXXX XXXX card application on XX/XX/2022. They wanted me to lift the security freeze so they could process the application. I did not apply for this credit card or any other line of credit. When I called Comenity Bank, they asked me to provide my name, date of birth and social security number. I refused. When they transferred me to their fraud department, they asked for verification. I gave them a number found on the letter which was their reference number and my address. The agent, named XXXX, insisted that I provide my DOB and social security number to proceed when I refused he told me to contact the credit bureaus. My credit is frozen on XXXX, XXXX and XXXX. I was not aware that there was a XXXX Consumer Assistance and XXXX XXXX XXXXXXXX XXXX Assistance XXXX I need to find out what additional steps do I need to make sure to protect my identity and credit. Your assistance is appreciated.
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: -XXXX XXXX 2022 paid {$37.00} to comenity with my XXXX XXXX XXXX account- have an account with credit karma that reports overdue payments for this card -I have been paying on the comenity account and should not be late- the comenity account is in an old last name, different from my current name. - I am using XXXX to monitor my XXXX XXXX- It has XXXX ID alerts- I have been changing emails and passwords to try to protect myself- I am worried my son may have been a target too- I reported the 34 ID thefts to XXXX XXXX sheriff - I had a {$.00} fraudulent charge from XXXX- I called them and it was fixed - it also came out of my XXXX XXXX XXXX account - I believe my XXXX email account was hacked because that is the main email reported on my XXXX - 34 companies including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and more are associated with my XXXX email account - some of the accounts associated I have no memory of opening and I do not believe I did open them.
Company Response:
State: MN
Zip: 559XX
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My credit card usage is incorrect and has been for months. Its showing I have {$130.00} balance which I do not. The balance has been XXXX since XXXX XXXX if I were to miss a payment it would be immediately reported. So my payments made on time should be as well. It looks like Im using much more of my credit limit than I actually am. Its negatively affecting my credit score. It has not been reported since XX/XX/2022. Ive been afraid to use the card again.
Company Response:
State: NY
Zip: 143XX
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A