Date Received: 2022-09-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of identity theft/mail fraud on XX/XX/2021. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position.
Company Response:
State: CA
Zip: 95621
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Comenity Bank for XXXX has claimed since XX/XX/2022 that they have been going through a system update. Said update has caused errors trying to make payments as well as no statements generating. I have not received a monthly statement since XX/XX/2022 and no one knows when the " system update '' is going to be finished or fixed or whatever is going on with it. Blatantly not sending statements to your consumers is a major problem. Not having a working system to make payments is a major problem. Telling your consumers that you do not know when it will be fixed when it's going on month 4 is a major problem.
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I made a purchase using my Comenity XXXX XXXX XXXX XXXX credit card for an amount of {$3700.00}. My balance was {$0.00} before this purchase. On XX/XX/XXXX, I made a payment for {$3700.00} to my Comenity account. My account on Comenity shows a {$0.00} balance. However, the account still shows as having that balance on my credit reports, and this is severely impacting my credit score. Multiple message on the Comenity account centers and phone calls have done nothing to resolve this issue which has been pending for over 3 months now.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I can not cancel my XXXX XXXX XXXX XXXX credit card. I have called and emailed the credit card company directly requesting my account be closed. They do not answer calls, I was sent to an automated system and opted to cancel my account yet the account remains open. The company continues to charge {$2.00} account fees each month. I've contacted the business for which I got the card in the first place ( XXXX & XXXX ) and they said they can not help me and have nothing to do with the credit card company that they work with.
Company Response:
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is a complaint on the Children 's Place Rewards Store credit card. I had a balance of {$260.00} that was due on XX/XX/XXXX, I paid off the balance on XX/XX/XXXX in the amount of {$260.00} ( 18 days before my due date, no residual interest ). For the next month, my balance should have been {$0.00} but they charged me an interest of {$2.00} on a {$0.00} balance, including a charge of {$0.00} for account protection ( Account XXXX which I have no confirmation of signing up for ). In fact, I have an email stating that I am not signed up for it. Regardless, based on their guidelines for Account XXXX, you are not to be charged when there is a {$0.00} balance. Then late fees and more finance charges were added in the total of {$6.00}, which I paid of on XX/XX/XXXX. The next month in XXXX I have a finance charge on my statement again, including late fees and charges for account XXXX. The same charges were added and I once again paid it off on XX/XX/XXXX. Please note I closed the account on XX/XX/XXXX XXXX received a confirmation letter from them. At that time, I asked about the charges and they agreed they would remove them. To this day, I am still getting calls to pay what is supposedly owed even though I explained I have already cleared my balance and asked why they are charging interest or finance fees, adding account XXXX charges and late fees on a {$0.00} balance. Today I called Comenity Bank, and they gave me the run-around, placing me on several long-holds several times. I asked to speak to a manager or supervisor since I had already resolved this issue in XXXX. In the end, they alleged the system was not working and to call back. If I pay this balance which is now around $ XXXX, I fear they will forward a finance charge on a paid balance of {$0.00} again and this cycle will continue and will never be paid/cleared. I feel this is consumer/credit card fraud. All charges should be transparent at the time you have to pay your bill so that a customer can pay off their balance and there are no surprises after you think you have paid off your bill. And lastly, a finance charge should not be charged on a {$0.00} balance.
Company Response:
State: CA
Zip: 91103
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: XXXX XXXX XXXX XXXX comenity store credit card : I purchased a XXXX XXXX in XXXX. They billed me for XXXX @ {$130.00} and another exact charge is pending on my account accruing interest. I have emailed them and they either do not answer or they do and direct me to call customer service, I do and they tell me it will be taken care of and it is still there. I asked to speak with a manager and they told me it would do no good.
Company Response:
State: CA
Zip: 95350
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
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 am disputing multiple charges on my The Children 's place may place rewards credit card Which is a Comenity Bank owned company ( recently switched to Bread Financial ) Multiple unauthorized purchases were made between XX/XX/2022 and XX/XX/2022. XX/XX/2022 Interest Charge On Purchases {$23.00} XX/XX/2022 LATE FEE {$30.00} XX/XX/2022 PURCHASE {$260.00} XX/XX/2022 PURCHASE {$220.00} XX/XX/2022 PURCHASE {$230.00} XX/XX/2022 PURCHASE {$250.00} I did not make these purchases and I do not know where they came from. There are not even any purchases on my store account which I find odd. I spoke to XXXX on XX/XX/2022 Who opened a case # XXXX, I was told it could take 90 days for it to be resolved, which I understand since this is not the first time I have had to file reports of fraudulent activity. However, I am being charged late Fee and interest charges which is unfair. Along with the multiple calls everyday and now text messages stating I owe money The Total amount as on XXXX XX/XX/2022 is {$1000.00} This also will most likely affect my Excellent Credit Score Rating, which I worked so hard to get back up into good standings. I can be reached by email XXXX I do not answer my phone for unknown numbers anymore after being harrassed by debt Collectors. Thank you for your time in this manner, XXXX XXXX
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: comenity bank state to XXXX on complaint ID # XXXX on XXXX responded didn't agree to delete the account by comenity bank/XXXX {$330.00} XXXX XXXX XXXXwhen comenity bank stated to the c.f.p.b.complaint ID # XXXX on XX/XX/22, Non-monetary relief of the accounts of comenity bank XXXX account ending # XXXX plus XXXX and comenity bankXXXX accounts ending # XXXX plus XXXX those are federal forgiven debts and both comenity bank and XXXX have over looked the I.R.S. and the federal trade commission rules on reporting reporting federal forgiven debts, the letter that comenity bank sent to me to up date the accounts above and the statement stated to the c.f.p.b. is sent by certified mail.to c.f.p.b.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX data breech frad victim and agencies and companies illegally reporting negative information Negative information from fraud needs to be removed : Never late, fraud XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Condition : Paid ID fraud XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Condition : Derogatory Derogatory Balance : {$3700.00} {$3700.00} Type : Credit Card Pay Status : Collection/Chargeoff Collection/Chargeoff unkown XXXX XXXX XXXX XXXX XXXX Account # : XXXX Condition : Derogatory Balance : {$2100.00} Type : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX High Balance : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance : XXXX Condition : XX/XX/XXXX Responsibility : Individual
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account COMENITY BANK/XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/2016 was incurred due to fraudulent charges, which according to VISA/ Mastercard Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. COMENITY BANKXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2016
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A