Date Received: 2022-09-20
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: XXXX XXXX Received YOUR response on my complaint. I still to this day have not received anything stating they denied the claim. I was told when I called in the complaint that not to pay the item and disregard the late fees and interest. I was confused on their reply, they did not even investigate the complaint. I called XXXX XXXX and was told they had not call on the charge. I have been as customer for more than 25 years on this card. It is great until you have a problem I had to mail in XXXX letters to XXXX different address and was told they never got them. on my XXXX call to the customer care ( a joke ) one person told me I need to do this on line. Which I did, I believe a total of 5 times and sent in all the information along with the reservation print out that states it is a free cancellation. They did not even call rXXXX or XXXX to find out why both charged a fee of XXXX. Within XXXX minutes of my booking I called rXXXX and was told to late so sorry. I then called COMENITY BANK and told them not to pay this amount, was told can't do this until it hits your bill. Call back in a few days ... which I did. This is when this bank turned XXXX and XXXX. I would like the information they received when they investigated this and the people they spoke with. This is not a BANK it's a loansharking operation. Their reviews should have already shut them down. Who will investigate them?? This amount needs to be removed from my closed account. The only call I received from the COMENITY BANK WAS FROM THEIR COLLECTION DEPT. HE HAD NO CLUE ABOUT THE PROBLEM AND COULD CARE LESS.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: ERRONEOUS CLOSING OF MY VICTORIA SECRETS ACCOUNT XXXX I recently called into Victoria Secrets to see if I owed anything this month for my credit card and to my shock and surprise I was told that my credit card was closed due to fraud. I never called and reported fraud on my Victoria Secrets card or to any of the credit bureaus concerning Victorias Secrets. This has hurt my credit score and my business I have a small business and I use the products from this company to fill my orders. I have spent a great deal of money with this company to be treated like this. I called on last week to speak with someone in the fraud department and they told me that they would escalate this to a manager and call me back. I have not heard back from a fraud manager or anyone. This has caused undue stress, with the uncertain future of my business. I have had this card for years. The credit bureaus are supposed to provide accurate reporting. Please forward this note to the attorney general in your state I am in the state of Texas so I can handle the Attorney General filing on this end. Consumers should not have to endure this type of anguish. Today I called Victorias Secret to speak with someone and the automated system hung up on me after I put my information in because it said that my account was closed. This is also embarrassing because it reads on my credit report that account was closed by creditor as if I dont pay my bills. This is defamation of character and an invasion of privacy. This error also violates the FCRA.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing in regards to the collection with XXXX XXXX. They are trying to collect {$940.00} for Comenity Bank / Boston Store. I spoke to them on XX/XX/22 and I requested an itemized bill. Also, Boston Store went out of business about 3 years ago. I spoke to a XXXX XXXX who said she would send verification. To this date, XX/XX/22, I have not received verification from them. I also called them again 2 weeks ago to request the verification. The representative argued with me and still has not sent proof that I owe this bill. I tried to dispute the item with XXXX and it came back saying that the case that the dispute investigation was done. I know I do not owe this bill. The collection agency has failed to provide me with proof. I want this to be removed from my credit record.
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My account has been paid off for 10-12 weeks. The company is still reporting a {$900.00} balance. The last reporting date by the company was XX/XX/2022. Ive contacted the company twice by phone and once by mail. Ive received a response via email that I must wait 45 days for resolution. Ive waited twice that time already. My credit score is XXXX and I dont think it will impact my score much. However, my concern is for the people- perhaps thousands- who are being negatively impacted by this. Having been in financial institution lending, I know all too well how many people have damaged credit resulting from lenders who cant generate a simple electronic report update.
Company Response:
State: MI
Zip: 49203
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Today 's date is XX/XX/2022. I paid off my balance of {$9600.00} on my XXXX XXXX on XX/XX/2022. As of today ( more than 3 months later ) XXXX has still not reported to the credit bureaus that I paid that amount and now have a XXXX balance on my account and this is affecting my credit score. I attempted to call XXXX to discuss this matter and was told that XXXX was not reporting to the credit bureaus at this time. I explained this was affecting my XXXX XXXX. I was then told I would be transferred to a billing specialist to discuss this matter further. After holding for 5 minutes for the billing specialist my call was then disconnected.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
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: 2 fraudulent charges were made on my credit card. I didn't make the purchases. In XXXX, XXXX I received a bill. I knew the charges were not made by me. I called the company and reported to the fraud department. They opened an investigation XX/XX/XXXX. I continue to receive calls from Comenity Bank collections ( weekly ). I explained charges are not mine and a fraud investigation is open.. I called fraud department back XX/XX/XXXX. Still not complete on investigation. I continue to receive calls from XXXX XXXX I've spent at minimum 5hours on the phone for this situation. Please help me. I need the harassing calls of collections to stop, I've never used this card, I should owe {$0.00} and I had the account closed immediately upon seeing the fraud charges early in XXXX. I am concerned this will be sent to collections, and I have not made any purchases on this account.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
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: I had reached out to my financial institution Comenity Bank now known as Bread Financial regarding a transaction that was placed on XX/XX/XXXX for the amount of {$710.00} from the merchant BJs as I had never gotten my package at first. Later on, it did show up but later than expected as I needed it for a gift for someone, so I had returned it back to the merchant on the XXXX of XXXX and it was delivered to the merchant warehouse on the XXXX of XXXX. However, the issue is that the merchant has yet to have refunded me for the transactional my account despite returning the merchandise to their warehouse. So, I'd reached out to my financial institution to update and clarify the situation and dispute to further reflect that I had never received a refund despite returning the merchandise. I had also first reached out to the merchant to attempt to remedy the issue and in regard to receiving a refund however they refused to assist me in any way and so I reached out to my bank, but the problem is now that my bank themselves are denying my claim despite clear proof was returned to the merchant and had recently reversed the transaction making me liable for merchandise I no longer have.
Company Response:
State: NY
Zip: 14206
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Bank subject to complaint is Comenity Bank. I applied for a line of credit for a credit card through their XXXX the XXXX of Jewelry Card. I was given the following reason for my rejection : " because you are under the age of majority ( the age to legally enter into a contract ) in PA, we are unable to extend credit to you at this time '' This is incorrect, as the age of majority is XXXX in PA, and i am XXXX XXXX XXXX. The notice I received had no contact information on how i can dispute the incorrect decision. I called Comenity 's main line, where the customer rep told me that there is nothing she can do and that the rejection notice was final. I asked for a supervisor, and she agreed but said " they will tell you the same thing ''. The supervisor transferred me to a new department, but the transfer led me to an automated message with no action to dispute the incorrect decision. I was told I could " write '' to the address on the letter, but given that my application was rejected under false pretenses and the need to take out a line of credit, The lack of contact points Comenity provides is not a good-faith effort, and it's plausible they reject applicants on false pretenses to hope they avoid going a tedious communication method. It's complete age discrimination I am facing here. I have more than enough income to supplement the credit i am asking for, and Comenity denied my application based off of false pretenses. When i informed them of this blatant error, I was given no choice to actively discuss why my application was denied. Its despicable.
Company Response:
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Comenity took over account from XXXX. This is the NFL Card, which is supposed to have a 6 months 0 % promotional rate on ticket purchases. They have NEVER applied the purchases to the promotional balance. This also causes my payments to be incorrectly applied every month to what appears to be current purchases, causing interest on the promotional balances that expire. I call every month, I have sent them a spreadsheet of how the account balance and payments should have been handled. I waste an hour every month ( I'm on the phone with them 36 minutes this month and on-hold ) and I'm sure I'm not the only person this has happened to. The other 'perk ' to this card is Rewards. They have not had the rewards balances available the entire time they have had this account ( this is on ALL NFL cards ). My only purchases on this card are my season tickets. They are being billed monthly, the same amount, from the Washington XXXX XXXX, XXXX MD. There is NOTHING else I could be buying from the Washington XXXX XXXX.
Company Response:
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I Have a hard inquiry on my report from a company I did not apply for.
Company Response:
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A