Date Received: 2024-01-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Comenity Capital Bank, part of Bread Financial, creates late fees by setting an arbitrary cut-off time to submit payments on your due date. The self-imposed time of XXXX XXXX is there for no reason other than to generate revenue for Comenity Capital Bank . At this point, my debt with them should have almost been paid off if it wasn't for this practice. I have never, NEVER, been late more than a day and that is only because of this arbitrary cut-off time, they have created. I have tried many times to work this out with them. They stonewall me at every turn, They claim the cut-off time is so they can take payments out the same day ... that has never happened. They take it out almost a week later in some cases the payment date. ( will attach proof, payment made on XXXX taken out on the XXXX ) In most places, the quickest turnaround time for payments between banks is XXXX day. With the way payments are made through FTP servers and text documents, Their argument that they have set a time limit of XXXX XXXX to make sure they get paid the same day is laughable. They have caused multiple late fees while I still have XXXX hours left on the due date to inflate their profits. For the record, they have made their money back almost in full at this point if not completely. They aren't out any money, there is no risk on their part.
Company Response:
State: MA
Zip: 01760
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I applied for a card during my checkout process at Victoria 's Secret. I was told there was a problem with my application but the cashier didn't know what the problem was. So I paid cash for my purchase. I received a letter in the mail stating that XXXX XXXX needed more information from me. I shredded the letter because I no longer wanted to receive credit with this creditor. I never received a card because I didn't comply by giving them the information requested. Then I started getting collection calls and turned into collections for a card I was never approved for and never received. I don't owe this debt or else I'd pay it!
Company Response:
State: TN
Zip: 37027
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: They are using my for information illegally by reporting my information to companys by law 15 U.S. Code of 1666b timing of payments.
Company Response:
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've noticed you have been reporting my information to the 3rd party credit bureaus which are on my credit report XXXX and I never gave you Consent to do so which is in violation, also you can not disclose my information unless you have given me an explanation on a non disclosure option to opt out which you have not done, according to The Federal Trade Commission. 15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Company Response:
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2024-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This card was paid in full & still showing as a negative closed card on my credit report. I am requesting to have this removed completely off my credit report.
Company Response:
State: TX
Zip: 77076
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
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: Hello. After review of my account I have identified unauthorized fraud transactions. I am XXXX XXXX to I can not call you. I can not locate my card at this time. Please NOTE I have just locked my card from further unauthorized use. Being XXXX XXXX customer service refused to assist me via secure email. They simply have told me to call in after I told them I can not call them. I locked the card and would like new cards issued. The bank can email me or send me a secure message.
Company Response:
State: FL
Zip: 33323
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX Comenity BankXXXX XXXX XXXX XXXX information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX Comenity Bank, XXXX XXXX XXXX to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau o f Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. There are also multiple violations of the Privacy Act of XXXX.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have disputed this creditor on XXXX, and XX/XX/XXXX. I requested bank transactions and proof that I was late with this creditor. The creditor has took over 30 days to update my account and perform an investigation. The creditor has illegally reaged my date late active XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX is missing date last active and is unverifiable. XXXX XXXX failed to do update my account and do a proper investigation. The creditor last reported on my account XX/XX/XXXX even though I have sent dispute on XX/XX/XXXX and XX/XX/XXXX. XXXX date is XX/XX/XXXX I have not received an update of a reinvestigation from the creditor and removed.
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' COMENITY BANK/AVENUE , the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, COMENITY BANK/AVENUE whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: CT
Zip: 06492
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' COMENITY BANK/LNBRYANT, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, COMENITY BANK/LNBRYANT whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response:
State: CT
Zip: 06492
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A