Date Received: 2022-10-11
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 have a credit card issued by " The Children 's Place '', which is overseen by Commenity Bank/Bread Financial . On Saturday, XX/XX/XXXX, I received an email stating I had a past due balance of {$6.00}. I checked my account with this card, and the online statement relfected I paid this account in full in on XX/XX/XXXX. However, I was charged a " minimum interest charge '' on XX/XX/XXXX, in the amount of {$2.00}. On XX/XX/XXXX, I was charged a " late fee '' of {$2.00}, and another {$2.00} again on XX/XX/XXXX for a " minimum interest charge '', and total of {$6.00}. I called the tollfree number and the representative with Commenity Bank/Bread Financial said `` no problem '' and would correct my account. However, these negative actions greatly affect my credit report rating. There in no way to contact someone with Commenity Bank/Bread Financial to express my concerns about the credit rating, as the telephone representatives are foreigners and do not understand when I try to express my concerns. I hold Commenity Bank/Bread Financial responsible for a fair credit report on my credit file and want it corrected immediately. As of today, XX/XX/XXXX, my account statement reflects a credit balance of negative {$8.00}. I dont understand I went from being past due of {$6.00} to a negative balance of {$8.00}.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Somebody opened a Victorias secret credit card under my name and is spending outrageous amount of money on that card. This person has spent a total of {$880.00} and it is ruining my life and credit score.
Company Response:
State: AZ
Zip: 85210
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act theis creditor has violated my rights under 15 USC 1681section 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 USCS 1666b 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: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Comenity Bank ( XXXX XXXX ) paid on time for 3 years, was on auto pay and paperless billing. Promotions internet rate was expiring. Called when I saw my payment went up. Spoke with supervisor. Told me I was within the grace period to pay off. Took my payment over the phone to close account. Account was never closed still charging me interest. Called numerous times. Supervisors keep telling me it will come off.it doesnt come off. They are ruining my credit. I refuse to pay.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: If you will notice this is the exact amount charged off by stage commenity I was under the impression it was gone n this is why I didnt recognize it. It didnt show and then it did again. I realized this yesterday when they called me up harrassing me and demanding me to stay in the line even after I made it clear I was entering my job my job is stressful enough without smart ellic men talking down to me This debt is OLD AND CHARGED OFF WHY THIS COMPANY IS HARRASSING ME NOW IS CROSSING THE LINE IN MY OPPINION IT SHOWED DOUBLE ON MY REPORT FOR AT LEAST a year or 2 for that alone it should be removed!
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have had a XXXX XXXX since XXXX. It has repeatedly been placed to another company over and over and over during the previous years and it has stayed alive on my report the whole time. Also, the Dept. of Ed. took my XXXX and XXXX tax returns which was about {$4000.00} and it has been at over {$3000.00} forever and even higher and I paid LOTS on it prior to stopping paying. If it's wrong for them to continue to keep my credit report reflecting owing that, then I'd like that to be addressed. I am waiting on full debt forgiveness, but still. I had tried to update my name and phone numbers, which I changed legally 2 yrs. ago and didn't realize I had to change it with the Dept. of Ed. and XXXX. How is it MY info, MY money, MY credit and MY acct. and I needed permission to update my legal name change with XXXX so I didn't have to see my former name splashed across emails and their home page for 2 yrs. after changing my name and gender? I don't particularly care for credit monitoring or reporting or anyone butting into my financials. I think it's highly intrusive and wrong. That's not what I'm writing about. I started a XXXX acct. when I moved from XXXX to XXXX XXXXn XXXX and kept it while living in XXXX I moved to XXXX in late XXXX and since there were no banks in XXXX for XXXX miles, I closed the acct. to get a local bank. I have no understanding of why me closing my acct. and taking back my money from my credit card acct. of {$1000.00} has me hearing about my acct. with them, esp. still, 4 yrs. later. It's ridiculous and that's MY business. Me closing my acct. had NOTHING to do with my credit report at all. It was a matter of convenience. I chose to open a secured credit card with them to improve my credit while I was paying my debt off in tandem. XXXX had fired me wrongfully for XXXXXXXX XXXXt in XXXX of XXXX because a guy who was jealous of my promotion in pay as a lead driver when I drove semi cross country and he flirted with me and I sent him a photo that he turned in to XXXX and they would not do anything but take it out on me and they treated me like XXXX XXXXXXXX for the entire 10 mths. plus that I worked for them. I fulfilled my contractural obligation to avoid having to pay my tuition and they didn't even sign my contract and then did nothing to warn me of their intentions, just had their atty. firm mail me and say I owe {$6500.00} and then it was on my credit report the entire time with all of my attempts to contact them and them admitting their mistake then doing nothing and ignoring me after that ... until I was added to a class action lawsuit and then they removed it. I am in another one with them that is pending currently. I have no knowledge of this COMENITYCAPITAL/XXXX either, which is new. I did not apply for a single thing. This is not me. The ONLY thing I have done was accidentally being overdraft for something and I took care of that the day after I found out about it. I know my debt and who it is to. This company in all CAPS has nothing to do with me to my knowledge and I am disputing it. I would have done this on XXXX but they seem to have removed that option. I have a XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and don't need the stress. Pleas help solve this. Thanks! XXXX XXXX
Company Response:
State: MN
Zip: 558XX
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: 2022-10-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My MasterCard was previously administered by XXXX XXXX and worked fine until it was taken over by Comenity at this URL : https : //d.comenity.net/XXXX I was promised {$100.00} cash back after spending {$500.00} and never received it, though I spent {$800.00} by XX/XX/2002. I also have XXXX Reward Points which I am unable to redeem for {$25.00}, despite many attempts, including today. Every effort leads to the Website freezing up. Moreover, Comenity misrepresented the offer of points earned, as they pay only 50 % compared to other banks. Their entire operation appears to be based on deceiving the customer. I have sent numerous emails to the company but they did nothing to remedy the problem.
Company Response:
State: WI
Zip: 53081
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I am writing to formally file a complaint against Comenity Capital Bank and the XXXX XXXX XXXX. They have repeatedly made broken promises and since then have continued to add late charges on top of late charges despite having paid the bill on time and having had multiple representatives promise to waive the late fees. If they had just done what they promised there would not be an issue and this matter would have been resolved. They appear to have a systemic problem at this company of promising consumers one thing and then not following through or documenting the call properly. They also by their own admission have had representatives violate my privacy and their rules by talking with my husband. It seems to be hit and miss on when they apply that standard. Then they turn around and make numerous collections attempts. How many consumers fall into this trap and just give in and pay them. These practices need to be investigated and stopped. I urge you to have them provide you the recordings of the phone calls identified in the documentation attached to prove that they promised to waive the late charges going all the way back to XX/XX/XXXX. Attached is the letter and addendum that was also sent to them directly.
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
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 credit card, On XX/XX/XXXX, an on time payment of XXXX was made and MY Error paid again on XX/XX/XXXX ... .Tried to have my card credited for XXXX but my calls and e-mails were ignored. . On XX/XX/11 Comenity charged my card XXXX again They're XXXX, so now there were XXXX charges that would need to be reversed!.. I spoke to a XXXX 's supervisor ( Comenity ) is linked with XXXX 's, who told me they were having many problems with them, and XXXX XXXX would soon be replacing them and I would soon receive a XXXX XXXXXXXX credit card, replacing Comenity bank 's, credit card.. I was given a XXXX XXXX phone number to try to resolve this problem This was accomplished. I have received the XXXX credits due me. To my surprise Comenity has once again included this XXXX in my balance! I have returned the current statement backing out this XXXX a late charge of XXXX and XXXX, XXXX interest charges for a total of XXXX I sent their recent statement indicating my balance was XXXX. I will not be using this card in the future, and await the XXXX XXXX replacement card... No further charges to this credit card will be made.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have been getting charged {$2.00} minimum interest charges after paying the account off on the due date. Starting back to XX/XX/XXXX. Due date for this account is the XXXX of every month. -- XX/XX/XXXX, payment made of {$37.00} -- XX/XX/XXXX, payment made of {$5.00} -- XX/XX/XXXX, charged {$2.00} minimum interest fee when account was paid off on XX/XX/XXXX. -- XX/XX/XXXX, payment made of {$16.00}. Account paid off. -- XX/XX/XXXX, charged {$2.00} minimum interest fee. I knew account was paid off so didn't bother to check my balance. -- XX/XX/XXXX, charged {$2.00} late fee. -- XX/XX/XXXX, payment of {$2.00}. -- XX/XX/XXXX, received a credit of {$2.00} as " small balance adjustment '' -- XX/XX/XXXX, payment made {$37.00} -- XX/XX/XXXX, charged {$2.00} interest fee. -- XX/XX/XXXX, payment of {$8.00}, account paid off. -- XX/XX/XXXX, charged {$2.00} minimum interest fee. Paid the {$2.00} on XX/XX/XXXX. -- XX/XX/XXXX : I paid off the account for {$67.00} on the exact due date. Received an email on XX/XX/XXXX that my minimum payment is {$2.00} for interest, due XX/XX/XXXX. Received an email XX/XX/XXXX saying my new balance due is {$6.00} ; Previous {$2.00} interest fee, {$2.00} late fee, and now an additional {$2.00} interest fee. Contacted Victoria Secret, representative stated that he could not waive the late fee of {$2.00} but would waive the total of {$4.00} for the interest fees. Representative explains that the {$2.00} is the interest being " Carried over for the next month '' but I paid the balance off on the due date, paid in full. The last several months, I just paid the {$2.00} because I didn't think anything of it but been catching on to this and the fact that they're charging people interest when the account is paid on the due date.
Company Response:
State: VA
Zip: 24012
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A