Date Received: 2022-10-12
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 just received and activated a credit card that was sent to me because my credit card company was bought out by a new bankComenity. The XXXX XXXX XXXX card already has several fraudulent charges, all of which are titled XXXX XXXX and originate from OH. The charges pre-date my activation of the card. I tried locking my card online and the website says there is a glitch. I tried adding alerts to my card and it says there is a glitch with that too. Nothing I do on the website will save. I called customer service and they are unable to report fraud or send me a new card. The system wont work on their end either. Their recommendation was to call back in an hour. I have seen online that many people are having similar issues.
Company Response:
State: VA
Zip: 24153
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: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a fraudulent credit card from XXXX XXXX store thru Comenity Bank on XX/XX/22. The card was opened on XX/XX/22, the same day a fraudulent XXXX card was opened. The XXXX store is # XXXX in XXXX XXXXXXXX XXXX Someone charged {$620.00} on the card. I live in Florida, over XXXX miles away! I reported it to Comenity Bank XX/XX/22 and to the police XX/XX/22. Credit Bureaus said card was never sent thru them.
Company Response:
State: FL
Zip: 33445
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: 2022-10-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My complaint is filed against Comenity Bank, which is a part of Bread Financial, for failing to complete requests over the phone and reporting false late payments. In XXXX of XXXX, I got approved for a XXXX Credit Card. Throughout the next 6 months I used it and paid it off every month. In XXXX of XXXX, I had a balance of {$160.00} that I paid off over the phone with a representative. In XXXX of XXXX, I received a notification from XXXX XXXX that my credit score has dropped due to a late or missed payment which I was sure to be a mistake. I logged on to find it was my XXXX XXXX. I navigated to the Comenity Bank website and attempted to view my statements, but that part of the website wasnt ( and still isnt ) working. I was able to scroll back in my junk emails from them and find a notification displaying my statement from XX/XX/XXXX for {$2.00}. Up until this point I had never familiarized myself with residual interest, which is what a phone representative informed me this {$2.00} charge was. Since that was back in XXXX and it is now XXXX, that {$2.00} had accrued almost {$40.00} in late fees. I explained everything to the representative, and she told me she couldnt do anything because their systems were down and to call back Monday to get the late fees waived. On Monday, I called back and they were able to waive {$18.00} in late fees if I paid the remaining {$21.00}. I confirmed it would be paid off and asked the rep to close the account. She sounded upset and agreed. On XX/XX/XXXX, I received a letter in the mail disclosing that my account had been closed but there was an {$18.00} balance remaining, and to call and pay it. I called XX/XX/XXXX and the gentleman informed me that there is a {$77.00} balance on the account due to late fees that accrued from an unpaid balance. I asked him about my most recent payment, and he said it did not go through. At this point in time, I am unable to access any statements whatsoever because their website had been down for ( seemingly ) months. The representative told me he could waive fees to reduce the remaining amount to on my account to {$20.00}. Wrongly assuming this would be the end of my association with this company, I paid the {$20.00} and confirmed at least twice with him that the balance was completely taken care of. On XX/XX/XXXX I received a text from Comenity Bank notifying me of my XXXX balance. I called yet again and spoke to a woman who seemed to be empathetic toward my situation. After she put me on hold to take care of the balance, she came back on the line to tell me that she was sorry and I wouldnt have to worry about it again ; the balance was removed and my account is closed. On XX/XX/XXXX, due to the amount of distrust I now have with this bank, I called again and went through the automated system to reveal a balance of {$77.00} I am finally able to access their website and have attached screenshots of the payment history as well as my balance. There also seems to be a grayed out balance of {$97.00}, but I am not sure why its unavailable and {$20.00} higher than my current balance. I filed disputes with all three credit bureaus, which only resulted in the closure of the account, not the rectification of the balance or late or missing payment reports. In my research, I have found through consumer complaints to the XXXX XXXX XXXX as well as internet forums that many others have struggled with Comenity Bank in a similar manner. In XX/XX/XXXX, Comenity Bank paid {$8.00} XXXX to settle a Telephone Consumer Protection Act ( TCPA ) class action. In XX/XX/XXXX, the XXXX XXXX XXXX XXXX announced that it had ordered Comenity to pay nearly {$64.00} XXXX in civil money penalties and restitution for alleged deceptive advertising and marketing of credit card add-ons, in violation of Section 5 of the Federal Trade Commission Act. As of XXXX, there are two other pending lawsuits I can find with claims regarding the inoperability of their website and phone system. I am reaching out because I am unable to get through to this company. It is clear they have a history of dishonesty.
Company Response:
State: OK
Zip: 74112
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with monetary relief
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: I submitted this inquiry several times to the credit Bureau, requesting the creditor to send me documentation baring my signature, or delet this from my credit bureau.
Company Response:
State: CA
Zip: 92407
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have sent multiple payments to XXXX but they have not been properly posted to my account. My account has MORE LATE FEES and INTEREST than actual charges. I was NEVER receiving statements for the account and was only able to recently access my online portal. It is not right because I made the payments knowing what charges I made to my account, then there were late fees on top of that, and it has just become unbelievable and caused me so much pain and suffering.
Company Response:
State: AK
Zip: 999XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I explained it all in the previous box for what happened and how you are giving misinformation to companies about my XXXX personal credit that is absolutely incorrect.
Company Response:
State: MA
Zip: 01960
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 credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Open a loan with the XXXX XXXX the company they referred is Comentity BankXXXX they are reporting it as a credit card when its a set payment by reporting it as a credit card its saying I have 103 % maxed out my credit card I have no physical credit never had one with this company its a loan One of the biggest problems it has hurt me with my new credit cards interest rates and low credit score coatings me a lot in interest Im being charged because of the false reporting I spoke with them on the phone XX/XX/2022 they said its like a credit card once I explained I didnt have a physical card she transferred to two departments that had no clue what I was saying please help its destroying my credit
Company Response:
State: PA
Zip: 19380
Submitted Via: Web
Date Sent: 2022-10-27
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 paid off my Comenity card in XXXX and they are still showing the card as owing almost the full amount. This is negatively affecting my credit score and affecting me financially. I have called and exchanged correspondence in email. They said they would correct, but have not.
Company Response:
State: CA
Zip: 95831
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: 2022-10-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I reported a frudent charge I didn't recognize to XXXX XXXX Credit card for {$100.00}. The representative for this company told me not to pay on it until it is investigated. It's been a few months and now I have accrued {$78.00} in fees that I'm now told by another representative I must pay if I don't want to continue to pay more fees or interest while it is being investigated. I read on consumer ftc.gov that a fraudulent charge that is being investigated should not be charged additional interest. It's also been over 60 days I believe now since it happened and there's no resolve.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I was charged an annual fee of {$85.00} by Comenity Bank for a BJs club membership on my BJs club credit card. I had previously requested to cancel my BJs club membership as I had moved to a location where there was no store within driving distance. I received my statement in the mail and immediately called to question it. I was told it would be taken care of before the {$85.00} payment was due in early XXXX. It was not resolved by the day before the payment was due, so I paid the fee, not wanting a negative score on my credit report. I called Comenity multiple times to get this matter resolved. They finally issued me a credit, but only for {$55.00}. I asked why it was a partial refund, and no one could give me an answer. I attempted to dispute thru Mastercard, but they could not help as it was a buying club membership fee. I called Comenity again, and spoke with a supervisor who assured me the matter would be taken care of. This was in XXXX. A credit balance was placed on my account on XX/XX/XXXX, but was told the only way it could be released was if I cashed the {$55.00} check they previously sent. I cashed the check, and a week later, received notification that the credit that had been showing on my account was being deleted. I have been trying to deal with Comenity since XXXX. It is now XXXX. Please help me in recovering the additional money ( {$30.00} ) owed to me.
Company Response:
State: WV
Zip: 255XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A