Date Received: 2022-10-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4a section 2 also states a Consumer Reporting Agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX refuses to do anything, I have even called and talked to someone and explained I can not make payments to Comenity and neither can hundreds if not thousands of others and XXXX states there is nothing they can do and will continue to enable Comenity to report us as delinquent over 3 months. Is anyone overseeing a bank that has had a systment shutdown since XXXX and credit reporting agencies that favor companies over individuals! I don't understand how these complaints can go unsolved. Why are we being punished with lower credit scores when Comenity is at fault, because we can't make payments! Also, on XX/XX/2022 Comenity sent this reply in regards to complaint XXXX : We previously responded to correspondence regarding this same matter with our letter dated XX/XX/2022. We verified we're reporting the account correctly to the credit reporting agencies. We're required by law to report factual information. The account terms are explained in the Credit Card Agreement. When payments aren't received, are made for less than the minimum required, or are received after the due date cutoff time, the account will become past due, and may be reported to the credit reporting agencies. As a result of our system updates, a hard inquiry was inadvertently added to the credit report. We requested the credit reporting agencies remove the hard inquiry. It may take up to 45 days for the credit reporting agencies to update their records. While conducting scheduled system updates, we have limited ability to access account information and service accounts. Additionally, our representatives may not be accessible and online account access is temporarily suspended. We are in the process of addressing outstanding technical issues and restoring full service functionality. Account information is fully protected while we work on completing the system updates.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Comenity Bank has not reported correctly since XXXX. For 4 months nothing was updated. Numerous online messages and complaints were sent in. They have done nothing but have an excuse of a new website. Then all of a sudden, about 6 weeks ago, they decided to report a random amount in the middle of a statement cycle. Thus my credit lost XXXX points because of this. They refuse to fix or acknowledge they reported this random amount when indeed my balance was and has been XXXX every statement cut-off. I pay this card in full monthly and have for years. Right now, for XXXX weeks they are showing a balance of over XXXX. Now today, they are showing XXXX and my payment isn't even due till the XXXX. They reported a random amount again today, XX/XX/22 I want my correct amount fixed and reported and for this never to stress me out again.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Yes, good evening I'm inquiring some information on account of my little girls identification documents came up missing a few years back and then so did my own identification... Here we are years later, I've renewed my identity card and it has already been miss in action, so I would love to know if my XXXX. XXXX daughters identity has been used in any matter at this point because know my has for a fact. Only because I use to be the only person at my age to be in existence in XXXX and now there's XXXX of me... I believe that to be a issue at this point...
Company Response:
State: CA
Zip: 93727
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XXXX XXXX says the the cut off time for payment is XXXX. Every other store card or credit card, the end of the day is considered midnight. I do not understand that? Last time I was flying in, no internet and they said they can not remove the fees. The end of the day is midnight, so late fees should not be charge if the payment is made at XXXX on the same date. It really crazy!! Thanks, XXXX XXXX Any payments submitted after XXXXXXXX XXXX. XXXX on your due date will be applied to your account the following day, incurring a late fee. We have credited the late fee of {$41.00} to your account as a one-time courtesy. You can expect to see the credit applied to your account in XXXX business days. Please make sure that we receive your full minimum payment by your scheduled due date to avoid any further late fees.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: For the last few months I pay my credit card bill, the payment processes, the money is removed from my account, then I get my statement. My statement shows that my payment was returned, then i get charged a return chk fee for {$41.00}, a late fee of up to {$41.00} and the money is not returned. I also pay by debit card normally, if there is no money in the account, the payment would decline. I also noticed my birthday was changed from XXXX to XXXX. I went to XXXX in person to update this but, this can only be corrected by phone or e mail. I messaged them, no luck, I tried to call, The line just beeps. I also noticed a different account number which I also called and messaged about. I was given credit for my payment and fees last month. When I received my new bill it had be reversed back. As fast as I can correct my info it is sabotaged. i pay on time attempting to improve my credit, the company says to contact the card issuer, the card issuer says contact the place that took your payment. Im being sent in circles, even if the prob is temp resolved, Its only a matter of time before everyting I correct goes right back to where I started. This also happens on other accounts. This is unfair, how can I ever improve credit in a situation like this. I opened the account ending in XXXX in person with valid ID how can a birthday get changed? This problem is happening with all of my accounts, not just XXXX. I also have credit monitoring accounts being created and paid for, also freezing my credit under an account that isn't mine. Currently XXXX has an account in my name with a credit freeze, thats not actually an account I created or can access, I did write to them since I cant get thought to them by phone. This also is making it hard to refi my house. Im literally being taken from, then charged for it then add interest. This makes it impossible to improve my credit and impossible to get ahead on bills. This is just the beginning of issues. I do not think it is the company directly, I think someone has control or access that should not. I also had a UBI that I was unaware of and an ISO which is patent, I dont know if this may be related to my issues but im getting copy right infringement strikes and have never actually recieved any legal paper document or a response to what exactly im infringing, Making it hard to appeal because I dont know what exactly to appeal or who to adress the appeal to or what url was involved. Also I have been confirmed a victim of identity theft! I dont know how Ill ever get that under control when I cant even control a credit card account! The card I am using is my card, i recieve my paychecks on this card. It is a XXXX all access card with XXXX bank. My employer is XXXX ( XXXX XXXX XXXX XXXX wa. ), the direct deposit appears from volume services!
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: At the end of XXXX I paid off my Victorias Secret credit card. To date no difference has been reported to any credit reporting agency. I called the company XX/XX/XXXX. Comenity - the bank that holds the credit card acknowledged they did know about the problem and asked if they could send me a letter that it was paid off. Getting a letter doesnt raise my credit score. I was waiting for a certain score to then apply for something else but I wanted this to show as paid in full first. It is now XX/XX/XXXX its been over 90 days and there has been no resolution. I was going to go on social media and complain to Comenity but it appears Im not alone with massive issues by other credit holders.
Company Response:
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
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, my wife 's purse was stolen. We reported the theft to our credit card companies, and let them know that any charges from XX/XX/XXXX on were fraudulent, unauthorized charges, and that we had a police report for proof of the theft. All creditors, with the exception of Commenity/My BJs Perks card, promptly removed the fraudulent charges and mailed us replacement cards. We called Commenity on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to follow up in the status. Twice we were told they couldn't access the account, as they were having company wide issues, and that they would report the fraud, remove the charges, and send us new cards once they were able to access our account. Finally, on the last call, we were told that they were able to access our account, that they would mail us our new cards ( only received one card ), and that the fraud team would look into the report and remove the charges. When asked what to do about the charges on our account, as the due date was approaching, we were told to pay only our charges, or pay the entire amount ( fraudulent charges included ) and request a reimbursement. We have still not heard back about the unauthorized charges, and they are still on our account a month and a half later.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My credit card has been paid off in full since XXXX and my credit card is still reporting the balance thats been on the card since XXXX.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XXXX my Sony XXXX XXXX switched from XXXX XXXX to comenity as the card company. I have always had my card on autopay and upon the switch I dutifully set up autopay with the new company. The autopayment did not occur despite email confirmation that it was setup. I contacted comenity, the new company, as soon as I realized the issue. I was charged a late payment and interest. After confirming the error on their end they cancelled the late payment charge but never refunded my interest. Fast forward to XX/XX/XXXX when their website went down. I could not make a payment and was nervous because of the previous issue. I set up a payment in the alternative way they recommended but ultimately was charged twice. Fortunately I was able to get the overpayment back but ever since that time I have not received any reward points despite still using the card regularly and paying on time. The company says only that they will fix it soon but it has been 3 months + since I have received any rewards and the company will not give a date for when the reward points will be credited. Also after the web update all of my old secure messages about the issue became unavailable.
Company Response:
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A