Date Received: 2022-09-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am writing to dispute an issue with Comenity Bank in regards to a credit card account that has been inaccessbile for months. I received emails notifying me that a payment is due, however, the system won't let me in because the phone number or website has not been working for months and in addition they are erroneously charged late fees for months. I have called the Customer Support number and inaccessible to customers I would like this corrected, late charges refunded as soonest possible and be able to speak to an agent to close the account as well.
Company Response:
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2022-09-14
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: COMENITY BANK canceled some credit card debts in XXXX, and sent 1099 to the IRS for XXXX. The cards were closed, and the transaction ended in XXXX. I have been calling, and writing to them. I never received a reply, and need them to correct it. I now owe the IRS close to {$5000.00}, and am a XXXX XXXX My main income is Social Security, and my rent just went up by {$100.00}. I have spent hours on the phone, and was told to get a lawyer. I can not afford to hire an attorney, and don't really need one for this issue. Comenity can fix it, and make a mistake. I need COMENITY BANK to resend 1099 to the IRS for XXXX, and NOT XXXX. I have the documents to prove the case was settled in XXXX, and not XXXX.
Company Response:
State: FL
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: 2022-09-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Clear violation of law on my consumer report
Company Response:
State: AL
Zip: 36869
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of fraud and have inaccurate reportings. Someone is using my information. COMENITYCAPITALBANK/ULTA Reported XXXX XXXX. XXXX XXXX + {$680.00} Needs Attention COMENITYCAPITALBANKXXXX Reported : XXXX. XXXXXXXX XXXX + {$680.00}
Company Response:
State: CA
Zip: 92324
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Comenity Bank has NOT reported any of credit cards account information to any of the three major credit bureaus in more than 90 days ( Over three months ) their last reporting was in early XXXX and this is negatively impacting my credit score, since i have been consistently making payments to lower my balances and as of XXXX all of my five accounts with Comenity bank had been paid in full. However, as of today XX/XX/15 has yet to be reported to the credit bureaus. When I contacted them they couldn't even provide a reasonable ( if any ) excurse at all as of why they have failed to report to the credit bureaus. My responsibility lies in paying these bills every month. Theirs is to report to the agencies. I been doing my part why haven't day?
Company Response:
State: NY
Zip: 10471
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have answered their harassing calls and called them. I have ordered from them in the past but always paid immediately via XXXX. I never charged anything. I had to block their calls. They called many times a day. Today I received a written bill. I called them but was not happy with their response. They asked for more info than I was willing to give. The bill they sent refers to an account number allegedly XXXX numbers long but they only printed the last XXXX numbers. It looks like this ****, ****, XXXX At first the calls identified as comenity bank. Never heard of them. After many calls they finally said it was from XXXX XXXX. I repeatedly told them this is not my bill.
Company Response:
State: PA
Zip: 19061
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid off a balance to a credit card company 6 days late. I called them and asked them to remove the late fee and they told me they could not remove it due to it being a closed account. First of all the account is showing as an open account and I have an available balance. They then charged me another late fee and interest on the previous late fee, I called them again and they offered to remove one late fee, now had they done this with the first late fee none of this would be happening. They are adding a late fee every month and interest on the late fees. The credit card is for a store that does not even exist anymore.
Company Response:
State: PA
Zip: 158XX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Our Telephone calls, emails, letters. Don't have all dates but our letters dated XX/XX/XXXX and today XXXXXXXX XXXX. Company responded to our emails and telephone calls with form letters dated XX/XX/XXXX and XX/XX/XXXX and with email XX/XX/2022. Last letter recross dated XX/XX/2022 saying they are correct. I can provide copies by mail.
Company Response:
State: PA
Zip: 15102
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: XXXX Online Set up of {$2500.00} CD account seemed to complete normally. However, I received an email saying that the bank did not approve my new CD opening. I believe the bank may be trying to renege on the advertised rate by disallowing the new account. I asked for an explanation for the denial and was not answered. For the record I have many other CDs in several other banks all across the country. My credit score is over XXXX.
Company Response:
State: FL
Zip: 34238
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A