Date Received: 2022-10-15
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I continue to receive unfounded charges without any explanation on a card I closed and destroyed with documented proof of the closure ( Comenity Bank, XXXX XXXX ). Bread Financial/Comenity bank is unreachable at their customer service line and by their secure message center, saying messages are undeliverable, and yet they continue to send bills and late fees despite account closure and the account no longer even being active. I have a detailed record of closing this account after paying my final bill and receiving a refund I was owed by the company. Comenity continues to harass me, even upon closing the account and after I received my credit refund from them, which was the last thing that needed to happen before I closed the account. The company continues to harass me with a new charge of {$380.00} without stating what it is for and when it was made. The account was closed at the time they continued to send me charges, harassing me for payment. Upon account closure, I properly destroyed the card and had no automatic payments set up whatsoever to this card. The unfounded and unprecedented charge is for {$380.00} and NOWHERE on the bill tells me what it is for. AGAIN, this was sent to me after I had closed the account. I have written a handwritten letter disputing this charge, which they acknowledged by sending a letter back saying they were looking into it on XX/XX/2022, and yet I still receive bills requesting payment. I continue to be harassed by Comenity, receiving a most recent LATE FEE after not paying what is an UNFOUNDED charge. It is IMPOSSIBLE to reach customer service, and I am completely fed up with this creditor and find Comenity a CREDIT PREDATOR in every sense of the term. I have yet to receive a satisfactory response to my dispute and complaint and I have written documentation of closing the account after making my final payment of {$1000.00} on XX/XX/2022. I fear that this is going to eventually work against my high credit score which I have worked hard on if I continue to refuse payment. I also do not want to accrue any more late charges on this unfounded and predatory payment. Comenity is unreachable at their customer service line of XXXX, and in the times I have managed to stay on the line waiting for support for HOURS PLUS, they do not help and hang up on you. Secure messages are not being sent and I have documented proof of my attempts as well. They need to be shut down. I am happy to speak further about this case and need support as soon as possible. I am so grateful for your help. Thank you.
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
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: Comenity Bank took over the XXXX XXXX card from XXXX XXXX XXXX. There are now charges that read " XXXX XXXX XXXX '' in my transactions. They sent an email that said that the the XXXX XXXX XXXX will be explained on the statement showing what vendor they came from. And that they were from PRIOR purchases made on the original card that the original card holder hadn't disclosed the vendors yet. Well, when I log into my account, it shows XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXXY XXXX OH {$25.00} XX/XX/XXXX XXXX XXXX XXXX XXXX OH {$66.00} XX/XX/XXXX XXXX XXXX XXXX XXXX OH {$57.00} XX/XX/XXXX XXXX XXXX XXXX XXXX OH {$20.00} Here 's the challenge. 1. ALL previous transactions transferred over and listed okay. 2. When I look at my corresponding transactions on the originall XXXX XXXX XXXX XXXXXXXX account there are NO matching transactions. Not only that the last transaction from the XXXX XXXX XXXX XXXX was from XX/XX/XXXX. And Comenity went live on XX/XX/XXXX. So what are the charges from XX/XX/XXXX & XX/XX/XXXX? There only answer is that they are working on it? They have no discernable way to disclose the needed information that I need to discern if I made those purchases or not.
Company Response:
State: WA
Zip: 98312
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have called XXXX. I have never opened up a credit card with this company. This is for a purchase that was made on XX/XX/22 in the amount of XXXX in XXXX, NY
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX and XXXX Bank has violated my rights. Under [ 15 U.S.C. 1681 ] section 602, states I have the right to privacy. [ 15 U.S.C. 1681 ] section 604A section 2, it also states the consumer reporting agency can not furnish an account without my written instructions. Under [ 15 U.S.C. 1666B ] a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late, for any purpose.
Company Response:
State: CA
Zip: 93618
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 1.I have never had an account with this company CB/TORRID XXXX XXXX REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK/TORRID the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response:
State: TN
Zip: 37421
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Received a call at XXXX XXXX on XX/XX/XXXX from the collection department at Comenity Bank for my XXXX account. I am aware of the debt. I had not received a statement, nor the actual card for this account, which I explained to them in XXXX after they first called me. I have since received a copy of a statement and have set up a payment online. I told the person this when they called on XX/XX/XXXX. I also stated they are breaking the law contacting me at XXXX XXXX. The collector stated, well its XXXX where Im at, so are you saying you dont want to be contacted? I again said, you are breaking the law contacting me at XXXXXXXX XXXX The person apparently thinks its okay to call before XXXX XXXX, which is not.
Company Response:
State: AZ
Zip: 85213
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have had an issue with Comenity bank on 2 credit cards I have through them - 1 for Zales, and 1 for Torrid. since XXXX of 2022, no payment made for each month, made on time or before the due date has been reported to XXXX XXXX, XXXX or XXXX. in XXXX I made a XXXX payment to the Zales account, and a close to XXXX payment on Torrid, and paid both balances down to around 20 % of each. payments since then have also failed to be reported. I contacted Comenity directly several times, once i was transferred to a phone menu that only allowed me to request a credit report or to end the call - requesting an agent was responded with an unable to do so. I called back and was hung up on. a 3rd call, all the person said she could do was to send me a statement in the mail - when I mentioned that did not solve the issue with the info not being reported, she said she could not see my score - when I requested a supervisor, I was thanked for calling and disconnected. currently my wife and I are trying to get a mortgage for our 1st home, and all my my credit scores are severely impacted by Comenity 's lack of providing info to the 3 CB 's, and as such is jeopardizing our ability to purchase a house. they are unwilling to work with me or speak with me to work the details out, and I need help. the ironic slap in the face is, I got a letter in the mail from them stating that due to my credit score dropping, they were reducing the credit limit of the zales card to XXXX dollars- which is less than the current balance i paid it down to when the limit was XXXX originally. they have punished me for their own negligence and indifference, and is now going to hurt me again by dripping my credit limit and making it appear i am still over my limit.
Company Response:
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received notification from the credit bureaus about a collection that was reported by XXXX XXXX XXXX XXXX on XX/XX/XXXX with a status of seriously past due/ assigned to attorney, collection agency, or credit grantor and internal collection agency for a debt of {$440.00} and a balance updated in XX/XX/XXXX. No other contact is provided on the credit bureaus except for a Comenity Bank XXXX. I had a few accounts that were opened fraudulently in the past. I was a victim of Identity theft and provided an official statement about the crime with the FTC report # XXXX. A total of 10 accounts opened from XX/XX/XXXX with Comenity Bank. These accounts were opened fraudulently to obtain goods. I have mailed a dispute letter to the company today XX/XX/XXXX to the address on the credit bureaus XXXX XXXX XXXX XXXX PA XXXX, the XXXX, FTC & Massachusetts AG office XXXX Thank you!
Company Response:
State: MA
Zip: 01040
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Bank ( Bread Financial ) has not reported to credit agencies since XXXX. My last reported balance was nearly {$1200.00} and my current balance is XXXX. This is negatively impacting my credit score.
Company Response:
State: PA
Zip: 185XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Since XXXX of 2020 bjs has not been reporting my payments that have been made. This creditor has been paid in full and its not showing. Which affects my credit score
Company Response:
State: PA
Zip: 18951
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A