Date Received: 2022-09-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I recently took a look at my consumer report and I was extremely confused. In accordance with the Fair Credit Reporting Act, COMENITY BANK has violated my rights. - 15 USC 1666b states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason I was never late on this account. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my consumer report.
Company Response:
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Ordered two pair of boots and two pair of sleepers from XXXX '' XXXX catalogue company on XX/XX/XXXX in the amount of {$220.00}. Received my order XX/XX/XXXX and returned two pair of boots and one pair of sleepers on XX/XX/XXXX. XXXX '' XXXX return department verified to me on XX/XX/XXXX, the two pair of boot items had been received. On XX/XX/XXXX the return department verified the one pair of slippers had been received. Payment of {$26.00} was sent for the one pair of slippers kept on XX/XX/XXXX. I have made dozens of phone calls and have spoken to at least a dozen different people and departments between XX/XX/XXXX until present time. I am still receiving statements that I owe for all XXXX items. My bills now include late fees and interest fees in the amount of {$300.00}, and I have been sent to collections through Comenity Bank XXXX. I am at a lost of what to do next, therefore I am seeking your help in rectifying my situation.
Company Response:
State: IL
Zip: 60188
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone tried to open a store credit card under my name on XX/XX/2022 at Comenity Capital Bank. Application reference number XXXX.
Company Response:
State: CA
Zip: 94947
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Locked my account for transactions as well as for existing re-occurring transactions on website and transactions were allowed to post. I called the the XXXX XXXX XXXX XXXX and the lady I spoke to didn't understand why the transactions went through. She said she reset the card and nothing would be able to post. I paid that bill, but was reassured that nothing else would post as long as my card was locked. Once again I receive a bill. I call again on XX/XX/XXXX to complain and tell them to close my card. I was on the phone for sometime with the lady, because she didn't understand how the transactions posted. She kept asking if I was sure I wanted to close my account. I stated yes severely times, and I asked for a conformation letter, which I never received. Thank goodness I never signed up for estatements or I probably wouldn't of notice charges went through again on XX/XX/XXXX and XX/XX/XXXX. I called again as well as sent messages through their website. I asked for this to be escalated as well as a formal complaint be submitted. I wanted to know how transactions post to a closed account. I was once again answered with an apology from someone as baffled as I was. I was told that they did see that my account had been closed and they didn't know how a transaction posted to a closed account. I thought this would of been cleared up ASAP, but no. On XX/XX/XXXX another transaction went through. So, again I message and called which takes a bit of time to actually get to talk to someone. Again I asked to talk to a supervisor and ask that person to go back through my calls as well as the messages that I sent. I was met with another apology and told that they would put through disputes. I again asked for a confirmation letter be sent out on my account being closed on XX/XX/XXXX. I still have not receive. Charges still on account.
Company Response:
State: IL
Zip: 610XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Bank issued credit cards for XXXX XXXX customers. The accounts were either sold to Bread Financial or Comenity Bank changed its name to Bread Financial in XX/XX/2022. At that time my account was fully paid off, and all accounts were closed to new purchases. It appears that they have stopped reporting to credit agencies, as all three show a balance of over {$3000.00} for my account. They agree it is XXXX.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made an electronic payment to XXXX on XX/XX/2022 in the amount of {$1000.00}, to pay my balance in full, but the payment was never applied. Despite providing proof of electronic transmission, their investigation determined a payment was never received, and they are threatening to report me to collections. The bank has confirmed the payment was made. In addition to the original balance, there are now additional fees ( late fees and interest ) they say I am responsible for. I am unable to get in touch with anyone via phone to resolve this issue, and have only been able to communicate via their messaging portal. I also sent a certified letter over a month ago, and received no response.
Company Response:
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX has been sending me collection letters for a past due amount of approximately {$430.00}, that I do not owe. This is a bill from many years ago- approximately 6 or 7 years.They are saying ( when I called them ) that the bill is from a store ( XXXXXXXX XXXX / Comenity Bank ) that is no longer in business. 1 ) I paid the bill -that was approximately {$120.00} years ago at my local XXXXXXXX XXXX store. 2 ) No -- I do not have a receipt now as it has been many years. 3 ) I offered to pay the original amount just to get it off my credit report but that was refused by XXXX XXXX.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 1 Remaining Negative Account. Account Name : XXXX Account Number : XXXX
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a XXXX credit card through Comenity bank. I have purchased upwards of $ XXXX $ XXXX of purchases on it since XXXX. I have not received any reward points on any of my purchases since XXXX. I have tried to call them and email them numerous times. They have not been able to help me. It has been ridiculous that we are at month 3 without receiving those rewards.
Company Response:
State: MO
Zip: 63122
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, COMENITYCBXXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX bankruptcy discharged Reference number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A