Date Received: 2022-09-28
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: Despite multiple attempts to remedy my issue, the company Comenity Capital Bank operating as Comenity , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone XXXX has not reported my account information accurately. They have given multiple reasons for this negligence. This lack of reporting accurate balance information has caused an adverse action to my personal well being as I'm in the process of purchasing a home. I have filed a complaint with the FL department of agriculture and consumer services. Comenity advised me I would receive a satisfaction of balance message in my inbox from Comenity Rewards but I instead received an error message. Attached you will see the failure to produce any information from this company.
Company Response:
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received 3 debt collection letters from XXXX XXXX XXXX XXXX for debts that were not mine. I called on XX/XX/XXXX and told the agent that those were not my debts and that they have the wrong XXXX XXXX. The agent asked me for my date of birth and the last 4 numbers of my social security number. I refused to give my personal information. I was told that they can not help me if they can't verify my account and they hung up. I called again only to get the same request for my personal information. I went to XXXX just in case the letter was a scam. I chatted with XXXX XXXX of XXXX XXXX XXXX and told her that the debt was not mine. Again, after 2 hours of communication with them and government agencies, I was told that I have to give my personal information including my phone number to verify the accounts, which are from 3 different banks that issued credit cards. I called Comenity Bank, which is one of the issuers, and they could only pull up my one account I have in excellent standing. Finally, after speaking with government agencies, where one suggested I send a certified letter stating that those are not my debts and not to contact me again, I called XXXX for the third time. I spoke to XXXX XXXX, who asked for my personal information, which I refused for the 4th time. I told him that the letter threatens to report the unpaid debt to the credit bureaus, so XXXX has to have the social security number in order to make the report and he won't get any personal information from me, not even my phone number. He finally gave me the last 4 of the person 's social security number XXXX and that XXXX XXXX opened the account with Comenity Capital Bank, XXXX in XXXX, had it a year, made a phone purchase with XXXX and defaulted on the payments XX/XX/XXXX. He also mentioned a couple of other purchases. I told him that it was not my account and neither were the other 2. He said that he would take my address off the list, but I don't believe him. I had this problem with XXXX in the past where I made a report on this same website. I am exhausted. It is unfair that I have to do anything if it is not my debt and I want everyone to be aware.
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: COMENITYCAPITALXXXX had an inquiry on my account via XXXX XXXX that I did not authorize
Company Response:
State: PA
Zip: 18301
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: 2022-09-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is an issue im having with my BJ 's credit card from comenity bank. Very long story, when originally opening the account around late XXXX i received 2 different cards both under my name, since i'm XX/XX/XXXXthere i went and asked if theres anything i should do and I was told to just activate one and leave the other which is what i did, ever since that day I opened an online account to manage my card and it would come up under the other account number, called a couple of days after this to see if the issue could get fixed, was told they are updating their systems and i would be able to have my issue sorted XX/XX/XXXX or after. Called middle of XXXX to see if it could be fixed, had online account deleted and remade still with the same issue, used their easypay feature to make a payment on the card i was using ( also on the easypay page would come up as the other account number instead of the one being used ) made a payment for the XXXX of XXXX about a month ahead. Come the XXXX of XXXX when payment was due i check the account and the payment has gone to the blank account that i have not activated or used. Called them for a refund and to pay off the bill once again. Thought this went smoothly and called a couple of hours later to make sure everything was gon na go through and was told the payment was never processed and that the refund also wasn't put through. This other person did push the refund through and also take the payment which did go through in the future, unfortunately to the same blank account when i was told it would pay off the correct one. Called this morning about getting another refund and finally paying it off and this person helped with the refund and the payment and assured it would go through to the correct account but that i'm still waiting for. They also very kindly credited me the late fee that was added for my " missed payment '' .Very frustrating issue to deal with that nobody can fix apparently and its been going on for about 3 months now and i very much dont want to have any issues with my credit so i'm looking to get some help.
Company Response:
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had a Victoria 's Secret credit card. I was issued an Ulta credit card. I had decided I had little to no use for the Ulta credit card. I called the phone number on the back of the Ulta credit card to close this account. Ulta 's issuing bank is Comenity Bank. I had tried repeatedly to make a purchase at XXXX XXXX XXXX XXXX using my Victoria 's Secret credit card. My purchase was repeatedly denied. After being continually denied I became very frustrated. Thinking that the problem was XXXX XXXX XXXX XXXX website i called them and placed my order with a representative ; once again, my order was declined. I then called the phone number on the back of the Victoria 's Secret credit card to confirm that their card could still be used at XXXX XXXX XXXX XXXX. I also verified my credit limit. Keep in mind a lot of time had passed. Now I called the number on the back of the Victoria 's Secret credit card to speak with a representative to find out what was causing these repeated failures to make a purchase. Victoria 's Secret issuing bank is Comenity ; the same bank as Ulta credit card. I was informed that my Victoria 's Secret credit card had been closed ; by me! I told the representative that there was a mistake ; I would NEVER close my Victoria 's Secret credit card. The representative started reviewing my account. I had told her that I had closed a Ulta credit card. After some discussion the representative then noticed that Comenity Bank is the issuing bank for both Victoria 's Secret and Ulta credit cards. The day that I had called to close the Ulta credit card, the representative had in error closed my Victoria 's Secret credit card. I told the representative that I wanted my Victoria 's Secret credit card back! I was told it was too late I needed to do this much sooner. But I had not known that this is what was causing all my problems. She told me to apply for a new Victoria 's Secret credit card. I did not close my account! A representative of Comenity Bank had closed my account. I was in great standing with my Victoria 's Secret credit card, my entire balance was paid in full. I made all my payments on time. I receive various member rewards for the length of time I had my Victoria 's Secret credit card. I should not have to start all over. This is Comenity Banks error and Comenity Bank should fix this error. I had submitted this complaint XX/XX/2022 it should not take this much time to correct a mistake that they caused. I have missed many, many sales at both Victoria 's Secret and XXXX XXXX XXXX XXXX. Simply reissue my Victoria 's Secret credit card! I am frustrated, I am angry! My original complaint number is : XXXX. I do intend to take this further if I am not restored to my original position. Sincerely, XXXX XXXX
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
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 un 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states 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 a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
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: Problem with Wayfair store credit card, issued by Comenity Bank. This credit card was paid off in full and the card was closed by the creditor as a direct result of them ending their business relationship with each other. I have tried for two years and countless times to get my refund of a mattress that was returned in XXXX of XXXX. The returned item and the refund was approved by Wayfair in XXXX of XXXX. After several phone calls and email correspondence with Wayfair I was told that Wayfair sent the refund check directly to Comenity Bank in the amount of {$210.00} on XX/XX/XXXX of XXXX. I was told to contact Comenity Bank directly to get them to issue a refund check to me. I called Comenity Bank once again and spoke to a supervisor. The supervisor said my account balance is XXXX dollars and they show no credit on the closed account. I have proof of the correspondence with Wayfair and I am attaching it to this complaint. Out of good faith I paid off the Comenity Bank credit card in full despite the refund still owed to me. The original Wayfair order number associated with this matter is order # XXXX.
Company Response:
State: NY
Zip: 11784
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened an account with Comenity BankXXXX XXXX XXXX XX/XX/XXXX. I have been making payments in store in amounts typically in excess of the minimum due while I was on a differed interest plan. I learned in XXXX 2022 that my account was closed without my knowledge. Since then, the attempts I have made to continue payments are not successful. I have reached out by phone to the number on the back of my card. While on the phone, I get transferred to a so-called debt resolution department which is nothing more than a voicemail box. The account in question is still reporting to my credit reports. It has also come to my attention that there was an inaccurate out of state address that was added to my account since my application was approved according to the XXXX XXXX, IA XXXX XXXX. The call center for Comenity disagrees.
Company Response:
State: IA
Zip: 506XX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 ( the date our payment balance was due ) we attempted to pay our XXXX XXXX balance of {$1300.00} online. The website contributed to give an error message that said, Were unable to process your request at this time. Please call our customer care team at XXXX. Not being able to call due to our schedule park schedule, we attempted to log on again that evening. When it didnt go through we attempted to pay online each day until it finally went through on XX/XX/XXXX. We then incurred a late fee of {$37.00}, which doubled to {$62.00}. When we again attempted to pay this fee online the same error message came through. Today I finally called and was hung up on, then when I called back was told that I should have gone to a XXXX XXXX store to pay in person, which is unworkable as we live far from the store. When I called back a third time to pay over the phone, I was told by the recording that I would incur an additional {$9.00} fee to process payment over the phone, which is outrageous. I then proceeded forward and was disconnected again. This company is literally scamming people by preventing us to pay our bill and forcing us to pay late fees that we can not even process because their system does not allow it. I am filing this complaint to report this company and to reverse these late charges. This is only one of a handful of issues we have encountered with this company and we simply want to pay our account balance so we never have to do business with this company again.
Company Response:
State: NY
Zip: 108XX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this credit has violated my rights under 12 USC 1681 section 6 o 2 states I have the rights to privacy 15 USC 1681 section 6 0 4a and section 2 it 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 late for any purpose
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A