Date Received: 2022-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I filed a complaint before threw CFPB. they presented paperwork that have an address that's not mine never have I resided there or been associated with, which is fraud!! They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!!
Company Response:
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone is putting their shipping address for purposes of using my store credit card for their own purposes. They are shopping on my credit card. I continue to delete their address and I got back the following day and check my account again and they put their address in their again. I contacted my store credit card companies and they reissued me a different credit card. However, they continue to do this. I don't have any resolve and I don't want to totally cancelling these store credit cards. With XXXX, XXXX, XXXX, XXXX XXXXXXXX Children 's Place and Victoria Secret Credit Cards. With Victoria Secret they changed my billing address to their own.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX has informed me on two occasions that Comenity Capital BankXXXX has performed hard inquiries on my credit report. I have not applied for any new credit with Comenity Capital Bank. The first hard inquiry occurred on XX/XX/XXXX and the second occurred on XX/XX/XXXX. My credit score has dropped XXXX points as a result of these excessive hard inquiries. I filed a dispute with XXXX after both incidents. The results were the same for both : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' I contacted XXXX to inquire how can these inquiries be factual since I never requested credit. Their explanation suggests that they take the creditor/companies word that the inquiries are factual. They suggested that I contact Comenity Capital Bank, which they referred to as XXXX, to ask them to send XXXX an electronic request to remove both inquiries. After trying to reach Comenity Capital Bank by phone unsuccessfully, I called XXXX back to get a better understanding of the dispute process. Once they finally admitted that their dispute process was essentially in favor of the creditor, XXXX suggested that I go to Identitytheft.gov to generate a letter of appeal and to fax the letter along with 2 pieces of ID to them in order to remove the inquiries from my credit report.
Company Response:
State: NJ
Zip: 08005
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: 2022-10-12
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have three accounts with Comenity ( Bread Financial ) that have not been accurately reported since XXXX of 2022. I have disputed this information with the credit bureaus and have yet to receive a response. It is showing I still have balances on these accounts impacting my score negatively. Today I have attempted to send a message and I keep getting an error saying there was a " glitch '' that my message couldn't be sent. One of the accounts has been closed since XX/XX/XXXX and they have not updated my report to reflect this either. Comenity also refuses to answer there phone lines it seems as I have waited hours multiple times to have this resolved.
Company Response:
State: WI
Zip: 54401
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
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: On XX/XX/XXXX I was taken to a website that I thought was for a breathing machine I just received. It ended up being a scam and charged my credit card XXXX and XXXX. These charges were pending for 7 days and when I called to let the credit card company know they told me I needed to wait until these amounts actually got charged to my account. They did charge to my account so I called the bank XX/XX/XXXX at XXXX a.m. and was on hold for about XXXX mins and I was speaking to someone outside of the USA. They transferred me to the USA and I waited on hold for another 30 minutes and spoke to a woman that said I would need to speak to customer care to dispute a charge. She transferred me and I was on hold for 2 hours. I hung up very frustrated. What kind of a corporation has their customers wait that long? Last night, XX/XX/XXXX while I was sleeping they left a message about some fraudulent activity on my account. I called XX/XX/XXXX at XXXX in the morning and got an animated voice stating that I was trying to make a purchase for XXXX at a computer store. It said to press 3 if this wasn't you and I did. It proceeded to transfer me and I waited about 15 minutes on hold and actually got the same person I spoke to in the morning. She said if I needed to make a dispute and cancel my card I would need to speak to customer care and proceeded to transfer me at XXXX and I was on hold for over an hour. I want to cancel this card!!!! I want my dispute completed, but most importantly I want this card canceled, please!!!! The credit card is BJ 's Mastercard through XXXXXXXX XXXX which I think is held through XXXX XXXX?
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A XXXX XXXX XXXX was added to my name without my knowledge I have called the company to dispute this and they said to have canceled the card I now have on my credit report the amount of {$380.00} The account was opened on XX/XX/2021 with out my knowledge. I have since closed the account twice. Last time was by disputing the account on XXXX
Company Response:
State: TX
Zip: 76107
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: ComenityXXXX allowed me the card of XXXX. I used XXXX of the card and they closed the card themselves. Also the comenity card which was way fair will not work with me. I have became unable to work and have begged them for a hardship program because I have applied for XXXX and they will not help me. I ask them to close the comenity card and theyve not yet done so and Ive paid and paid on this card and not getting anywhere. I read reviews on the XXXX page and the reviews are bad! I have ask and begged to the point I dont know what to do!
Company Response:
State: KY
Zip: 407XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
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: My XXXX XXXX cards were transferred from XXXXXXXX XXXX XXXX to Comenity on XX/XX/2022 through Bread XXXX On XX/XX/2022 there is a {$19.00} charge for Bread XXXX which I can only assume is an activation fee which I did not agree to nor authorize. I could not access my account on their website until XX/XX/2022 which is when I noticed the charge. When calling the company on XX/XX/2022, I was told that they could not tell me what the charge was for. I then requested that my 2 cards be cancelled and that my account be closed. The cards are still active and my account is still open.
Company Response:
State: NY
Zip: 14534
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I made two payments to Comenity Capital Bank. One payment for {$150.00} on XXXX XX/XX/22 sent from XXXX XXXX XXXX XXXX. Confirmation number XXXX. Second payment {$300.00} XX/XX/22. XXXX XXXX XXXX XXXX. Confirmation XXXX. These payments were not reflected on my statement. I have tried on numerous occassions to contact Comenity Bank but have had no satisfaction. The telephone number they gave me is not answered after two hours of wait time. Telephone number XXXX help in this matter will be appreciated. XXXX XXXX
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Applied for a Torrid store credit card with Comenity Bank on XX/XX/2022 and was approved for {$1300.00}. Never received card or statement, but can not get anyone on the phone, only hold music.
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A