Date Received: 2022-09-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: for the last year and a half I been dealing with this situation with Commenity credit card company.I have written letters and they continue to say 15-45 days we will help and resolve this issue pending investigation with no response from the company, I have requested phone calls and emails from them and they continue to disregard.
Company Response:
State: WI
Zip: 53172
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Comenity Bank is violating 15 USC by failing to mark my credit reports as disputed within 30 days of receiving my written dispute. They have also failed to provide me with complete and accurate investigation results. I am requesting that Comenity Bank remove all negative tradelines they are reporting under my social security number to the credit bureaus.
Company Response:
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: As I was browsing the Victoria 's Secret website, an offer for a pre-approved mastercard popped up. I accepted the offer. Today, the card came and it is a store card - not a mastercard. I have cancelled the card. This is a bait and switch to deceive people into accepting a store card that they do not want.
Company Response:
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
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: On XX/XX/XXXX I accidentally made a double payment on my XXXX XXXX Credit Card. The week of XX/XX/XXXX, I called customer service to request a refund on the overpayment. They acknowledged my request and informed me that I will receive a check with my refund within 14 business days. 14 business days passed and there was no sign of a refund. I called customer service and they recognized that no check had been sent in error. They apologized, and said that I should see a refund in 7 business days. On XX/XX/XXXX, my overpayment was credited against my account ( returning it back to a XXXX balance ) I waited until the week of XX/XX/XXXX for the check. Nothing had showed up, so once more I called customer service. Again, they apologized and recognized that no check or deposit had ever been initiated for some mysterious reason. The representative did not explain why, but told me they would escalate this issue and I should have my refund within 14 business days. 14 business days passed without any sign of my refund. Once more, I contacted customer service on XX/XX/XXXX and they informed me that I needed to wait another 24 business days to receive my refund ; however, when I called a different representative, this agent told me that a check was actually in the mail for me and I should receive it by XX/XX/XXXX. It is now XX/XX/XXXX and I have no sign of the check. It has now been over 55 business days since I made this refund request.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been past-due on my payments with the Commenity company. I had a Victorias Secret card through them that I resolved. I opened a XXXX card, but only ever used it once. After I got behind on my payments, I closed the card. I have been receiving upwards of 15 calls a day, some back to back, from commenity and unknown numbers. I know for a fact it is this company attempting to contact me. I have blocked all numbers associated with this company, but am still receiving calls from unknown numbers. I happened to answer a couple of times, and was told they were calling from commenity. I am being harassed daily, and have been for the past year, as I held previous accounts through them. I owe very little to them, and even told them I was facing hardship due to COVID. All accounts with them are closed, and I plan on resolving what I owe them, but this harassment is ridiculous.
Company Response:
State: CO
Zip: 80521
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
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 complaint is directed towards Bread Financial who has recently taken over for Comenity Bank. On XX/XX/XXXX my XXXX XXXX credit card was closed. I have proof of this in writing from Comenity Bank. I was directed to pay off the balance and to destroy the credit card. The closed account is even reflected with the credit bureaus. I have made my payments every month since and all payments have been made on time. My last payment was made XX/XX/XXXX bringing the balance to {$0.00}. I should not have had any further charges since this account was deemed closed. On XX/XX/XXXX, I was charged a {$2.00} interest fee on my closed account that officially had a balance of {$0.00}. I contacted Bread Financial customer service regarding this interest fee on my closed account. I was on the phone for 34 minutes, got nowhere, and waited only to be hung up on. I know other customers have had problems with these interest fees on a {$0.00} balance as well only to not realize it because they considered their card to be paid off. They were then slapped with a late fee. I am not going to keep playing this game every month. It is a form of stealing from customers. This account will have been closed for almost two years and my last payment on XX/XX/XXXX should have been the last interaction with Bread Financial. It amazes me that with all the complaints filed against Bread Financial that they are still getting away with this behavior towards customers. Unfortunately, I have another store credit card that has been transferred to this company as well which I will be closing once the balance is paid off and dread having to go through this process all over again. This is extremely poor customer service and IT IS stealing from customers. Please take care of this issue.
Company Response:
State: VT
Zip: 051XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/XXXX Attention : XXXX, XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX. My name is XXXX XXXX I was born XX/XX/XXXX. There are several accounts on my credit report that I did not open. These accounts were open prior to me reaching the age of XXXXyears old. Each time they are disputed on my credit report, or I call your agencies you refuse to remove them. I did not open these accounts, nor did I charge the products on these accounts. I was underage at the time. I am also XXXX with an XXXX XXXX and XXXX XXXX I read at a XXXX XXXX XXXX often needing assistance from others to complete paperwork. Please remove those accounts from my credit report immediately. I did not open these accounts nor charged any products on these accounts. These accounts remain on my credit report as bad debts or closed accounts and should be removed in their entirety. Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX ( XXXX ) XXXX
Company Response:
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I currently have an Ulta store account. I have never changed the process and how I made my payments to them. Ive never opened a second account, Ive always just had one account with XXXX. Two months ago for some reason they credited my payment to a different account and sent me two different statements showing both my current account and the closed account with now a - {$40.00} in the balance. Meaning that I over paid by {$40.00} on an account that doesnt exist. Ive talk to Ultas customer service to try to remedy this and get my {$40.00} back. I show my bill pay as successfully sending XXXX a payment. I have a statement from XXXX showing that they have a closed account with me that has a {$40.00} balance in it that is owed to me. Yet I can not get anyone at XXXX to refund that money.
Company Response:
State: WA
Zip: 99205
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I called Bread Savings XXXX on XX/XX/22 to close my CD and open new CD at the current rate. I was told that they would have to transfer the funds to an external account. Then I would need to open a new account and transfer the funds back. On XX/XX/22, I again called Bread Savings because the funds had not been transferred. I was told it would be done that day. On XX/XX/22, I again called Bread Savings because the funds have still not been transferred. I was told that the funds were supposed to have been transferred on XX/XX/22. That is almost a week ago and still not done. The rep said he asked for someone to call me back regarding this issue. I asked him if there was anything else I could do to get my money and he had no suggestions.
Company Response:
State: TX
Zip: 75771
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XXXX credit card, Comenity bank. I called to close the account on XXXX/XXXX/22. I paid off the less than {$10.00} balance at the same time, meaning the account should have been completely closed. That was over a month ago, and the card still shows active on the company 's website. It still shows a credit limit and an available credit amount. It also shows a XXXX credit because they overcharged me when I paid off the card. I've since called back twice to again demand they close the account. Each time, they refuse to let me speak with a supervisor and assure me the account is closed. They ignore my questions about why the website shows the card is still open. I'm still getting " your statement is ready '' emails. Out of curiosity, I clicked on the " request a credit limit increase '' on the site, to see if *that* would show the card closed, but it actually says I currently have an active request for a credit increase. I closed the card because this bank is sneaky about when and how it posts things like finance charges, manipulating things so they can add late fees ( they post the finance charge to the account *after* you pay the balance off, so you have a {$1.00} balance you didn't know about then they hit you with a late fee the next month on that {$1.00} balance you didn't know you had. ) I can't keep checking this card every month just in case they sneak a charge onto it that will cause me fees and hurt my credit. I need them to actually close this account -- they can not legally force a person to keep a credit card with a zero balance open.
Company Response:
State: OH
Zip: 43302
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A