Date Received: 2022-09-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XX/XX/2022 I received an offer for a {$100.00} statement credit after {$500.00} in purchases during my first 90 days with Comenity. I satisfied the requirement by XX/XX/2022 but never received the {$100.00} credit.
Company Response:
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX 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 XXXXXXXX has violated my rights. In accordance with the Fair Credit Reporting Act, 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 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 # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX # 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: 48375
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XX/XX/XXXX Comenity Bank/Wayfair XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX RE : Comenity Bank/Wayfair and XXXX XXXX XXXX XXXX I am writing to dispute the following information that appears on my XXXX, XXXX, and XXXX consumer report : Dispute : Account Number or other information to identify account : XXXX {$920.00} Comenity Bank/Wayfair XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Explanation of item being disputed : On or around XX/XX/XXXX, I initiated a purchase through Wayfair for a daybed. When I received the daybed, I was not able to piece it together as different parts of different sets were sent. The smell coming off the set was also intolerable. It smelled like dead animal. I phoned the company and spoke with a customer service representative about the process for returning the furniture, as I was not able to piece the bed together or decontaminate from the horrid smell. I was advised to throw away or donate the pieces. I was assured no fees would be charged to my account. ( Ultimately the whole mismatched set had to be thrown away. ) Included are photos of the different pieces that were sent. I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate and verifiable and you must complete this investigation within 30 days of receipt of this letter. I am promised accuracy in my credit report based on federal law. Under 15USC-1681 all unverified or incorrect information must be promptly removed-within 30 days of receipt of this letter. After you have finished my request, send me a copy of my credit report reflecting PERMANENT removal from my report. Update payment history to be paid as agreed, never late, and in good standing. Thank you for your assistance.
Company Response:
State: NM
Zip: 88201
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I requested this account and credit card to be closed on XX/XX/2022 after paying the final balance owed. I continued receiving billing statements from Comenity Bank for this credit card. Once again, I called and explained that this account should have been closed in XXXX of 2022 and the agent assured me that the account was closed. I did a dispute on my credit report to have this account removed because it is still reporting as open and that I am in default with payments. The account remains on my credit report.
Company Response:
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
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: My card was issued by Comenity Capital Bank on behalf of XXXX 's XXXX XXXX. On XXXX XXXX XXXX I was notified by the banks fraud department that there was unauthorized purchase on one of my cards ( I have two cards, one for me and the other for my wife. They both have different numbers ). The card affected was my wife 's card. When I responded to bank 's text with a " NO '' that it was not my purchase they told me that the charge will be removed, and the card will be blocked, and the new card will be sent within 7 to 10 days. That was well over a month ago. I contacted the bank and their fraud deportment several times, and the only response I got was, that they can not access my account therefor they can't resolve the problem, and can't take off that fraudulent charge. I logged on my account the other day ( yes I can get on my account ), and that charge still on my statement and they are charging me interest on that amount, because I did not pay it last month. Please help me resolve this, the bank is of no help, and now I don't trust them at all.
Company Response:
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: On XX/XX/XXXX XXXX XXXX, my personal bank, informed me that my account number with Comenity Bank ( Express ) had changed. I reached out to Express for details surrounding the change that same day and have been getting the runaround ever since. I have spoken to supervisors at Comenity Bank 4 times and each of those four times, been given different information. The first time I was told that the account had switched to a 16 digit format, and a new card was ordered. Comenity was unwilling to explain how XXXX notified me of the change before they did at this point. At this point I opened a case with the Better Business Bureau ( XX/XX/XXXX ), which went ignored by Comenity Bank. When the new card came, it came with a 9 digit account number. I called Comenity back and was told, that the account number should not have changed to a 16-digit number. Comenity was still unwilling to explain how PNC notified me of an account number change, specifically since my account number should never have changed. Then, on XX/XX/XXXX I received yet another new card, with yet another 9 digit account number. This time when I called Comenity to find out what was happening, I was told that the account should in fact be 16 digits long, and that they had no idea how or why I kept getting 9-digit cards. The supervisor at this point told me that I was notified of the change on the statements that I had been receiving. However, Comenity did not cut any statements for me since XXXX, since I keep a XXXX balance and have not used the account since then. Finally, I received a call from Comenity, also on XX/XX/XXXX, from what I believe to be the Complaint Management Teams, because I have made so many complaints to Express about the issue since the beginning. The final person that I spoke to, told me that a 9-digit account number was in fact correct and that she would be working to get to the bottom of all the differing information I have received to this point. This is not acceptable, how can consumers trust in Comenity if they can not even answer simple questions or keep things straight. How was PNC notified of the change before I was? Why was I given different answers from each person I spoke to? What should my account number be? Is there a way to close out the account- which is my oldest credit line- without it negatively impacting my credit score?
Company Response:
State: NJ
Zip: 07202
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Payment has been deducted from my checking account but not credited, causing fraudulent interest charges.
Company Response:
State: NJ
Zip: 07731
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX I took my daughter to XXXX 's and at check out was offered a store card. I was approved and the balance of was charged to my account. 2 weeks later, I had not received anything from them, no card, no statement, so I called, and they said they had the correct address and I should receive the card and statement within a few days. 2 weeks later, still nothing. I call back and I tell the girl I have to pay the balance because I don't want it hitting my credit and she is able to pull up the account with my ss # and let me make a payment. That was in XX/XX/XXXX. Today I get a phone call saying I owe {$65.00} dollars. I call and they tell me it's late fees because when I paid the bill I paid {$0.00} cents less than what I owned. I still haven't received a statement or a card from them, so I asked them to close the account and remove the fees because why would I not pay XXXX cents knowing it would cost me so much more and a bad hit on my credit. I have many credit cards. I always pay them on time. I even have several other accounts with comenity bank which is who services XXXX XXXX XXXXXXXX XXXX store cards. They can look at my history and easily see that this is not my fault.
Company Response:
State: MS
Zip: 395XX
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: 2022-09-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My bank mailed Comenity - XXXX XXXX XXXX XXXX XXXX check number XXXX on XX/XX/22 and XXXX from Comenity ( ID XXXX ) said they still haven't received it and how would I like to make the past due minimum payment of {$160.00}. I said I'm not past due and that I send XXXX XXXX monthly payments and this is the second time Comenity said I didn't mail a payment. I have good credit and this has become a monthly job calling them which is ridiculous. They actually cashed a previous check and deposited it in a Bank of America account and asked me to prove that I made the payment. So here we go again. Yes, I have proof that my bank sent the payment. I asked to speak with a supervisor XXXX XXXX XXXX. I asked for an email address so I can have proof of all this going back and forth and nonsense. There is no email or direct number. This company has no accountability whatsoever. She only provided me with a XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I said what happened with my automatic payment that was setup on XX/XX/22? She said let me check. No, you didn't set up automatic billing. I said yes, I did. I even have an email confirmation and I was afraid the check and automatic billing would cross and I would have {$600.00} coming out of my account. She said you could set that up now and you can write a letter to the XXXX XXXX XXXX : your prior check. I have absolutely no problems with my other credit cards and believe this is one big scam to hit me with late fees and high interest rates after the introductory period passes. I have proof of everything. Thank you, XXXX XXXX
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account COMENITY BANK/VCTRSSEC, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for d purpose.
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A