Date Received: 2022-09-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2022 Someone in XXXX, Florida opened an XXXX XXXX store credit card account in my name using my Social security number and cell phone number. I received a bill in the mail from the credit card company. I contacted Comenity Bank who is the creditor for this store credit card and the XXXX XXXX store where the card was applied for to report fraud on this account.
Company Response:
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: The company misled me into adding XXXX XXXX XXXX, which is an insurance product that I did not know about and did not want.
Company Response:
State: AK
Zip: 999XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Account open without my permission or consent
Company Response:
State: MI
Zip: 48204
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I signed up for Invisalign treatment at a dental clinic called XXXX XXXX in XXXX, NY. I signed up for a payment plan at the clinic, but then I needed to sign a second set of forms before I could officially begin the Invisalign treatment. I contacted one of the clinic 's employees that has been handling my treatment process and told them that I wasn't ready to sign the second set of papers and that I wanted to put it on hold for the time being. My contact at the dental clinic agreed not to begin my Invisalign treatment. But then I started getting a multitude of calls from this company called Commenity Bank, up to 5 calls a day and deleted about 15 voicemails this week. I reached out to my contact at the clinic for assistanceo n the matter, but I'm not getting any response back from them.
Company Response:
State: NY
Zip: 10037
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act these creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
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: This is my second complaint. I received another bill today for the amount of {$21.00} which included late fee of XXXX and an interest charge for XXXX. The statement also indicates that previous finance charges and late fees were refunded, totaling XXXX. The account is closed and nothing further was charged after the {$5.00} on XX/XX/XXXX, however, Comenity failed to process my XXXX bill pay and a second {$5.00} bill payment until XXXX Their failure to process the first payment timely resulted in my overpayment and being continually harassed and charged late fees and interest charges for an amount that was paid timely and that they acknowledged receipt. Please end this continue harassment of bills and impact to my credit.
Company Response:
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I keep getting over 5 calls daily, today I get a message from my brother in law that he got a voicemail from the same company attempting to reach me, they have called me on weekends, holidays, outside of normal hours XXXX to XXXX. This company keeps harassing me. According to the consumer laws and regulations a company shall not call more then 7 times in a week span they are definitely going beyond that, pictures have been uploaded I can go ahead and provide a log from my phone company upon request!
Company Response:
State: TX
Zip: 75234
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have not received points from Sony rewards using a XXXX credit card since XX/XX/2022. Contacted Sony Rewards on XX/XX/2022 which was responded the issue needs to be addressed with Commenity Bank. Cotacted Commenity XX/XX/XXXX and XXXX, 2022 which was told my account will be updated as soon as possible. However, points have not shown for months and 2 weeks since contact and still no updates. The card is still being advertised that reward points will be given out for purchases, but no rewards are being issued.
Company Response:
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Got a card at IKEA ( Comenity Capital Bank ) for a kitchen project. I got the card for rewards towards a project that is nearly finished. I have had ~ {$200.00} rewards expire due to delays in production/shipping. Since I can't prepurchase items for my kitchen the rewards just defaulted. I received a statement from Comenity in XXXX with {$270.00} worth of coupons that I tried to use in the store in XXXX. They were all printed with the same PIN code and were unusable. I need to make another significant purchase to complete the project and the rewards are still not available to me. I have spoken with IKEA customer service that sent me back to Comenity ( who then sent me back to IKEA ) at least 10 times.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This account is not mine but is reflecting on my credit reports. Comenity/ Zales Acct # : XXXX Opened : XX/XX/2018 Amount : {$1800.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Comenity/ Zales any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Company Response:
State: FL
Zip: 33183
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A