Date Received: 2022-08-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My XXXX extra points account has been enrolled in a debt management plan for 2 years. XXXX XXXX XXXX paid the payment in XXXX on XX/XX/XXXX. As of XX/XX/XXXX I was charged a late fee. I paid the account off on XX/XX/XXXX. XX/XX/XXXX I received a new statement with the last bit of interest and a late fee that should have never been assed. I call in and they tell me to call the debt management department. I call them and they tell me I'm not in a plan and I have to call the normal number. Their secure messages have not been answered and I have no way to talk to someone. I just want the late fee removed so I can pay the XXXX $ in interest and complete my obligations. I am getting no where.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Comenity Bank This account continues to appear on my XXXX Credit Report. It is not my account. This account is in someone else 's name. The name its under is XXXX XXXX. My name is XXXX XXXX I've tried to sort this out with the company and with credit bureaus and XXXX and XXXX have removed this account from my credit bureaus but XXXX and Comenity Bank have still continued on. I am asking kindly, for the removal of this invalid account from my credit reports. All of them ... this includes XXXX. Thank you.
Company Response:
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My original debt was sold to third party company ( XXXX ) XXXX XXXX XXXX, it was paid off in as required by the company on XX/XX/2021 for the full amount. Acct number # XXXX reflecting on XXXX, XXXX and XXXX XXXX I wish this account to be removed off of my credit report from all 3 bureaus as it violates my privacy rights as per 15. U.S.C1681 section 602 A. As per 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. I also have proof of payments made to the company which has been sent to all parties before this complaint is being submitted.
Company Response:
State: CA
Zip: 92591
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have received over 20 calls in the last week. They call before XXXX. I've spoken with two representatives and let them know my husband and I are in the process of filing bankruptcy and that we are receiving over 5 calls a day, sometimes back to back.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I submitted a payment to arrive by XX/XX/XXXX, from my bank XXXX XXXX XXXX XXXX ). XXXX XXXX XXXXXXXX confirmed delivery of electronic check : XXXX XXXX XXXX This was processed. However, Comenity Bank/Bread Financial did NOT credit my account with the payment of {$420.00}. I called on XX/XX/2022 to redress the situation. They said they'd flag my account, waive the late fees, interest charges. As of today, XX/XX/XXXX, they still have not done that. I have also submitted a second payment on XX/XX/2022 which was processed on XX/XX/XXXX and has not been credited to my account with Comenity. That was for {$500.00}, XXXX # XXXX They then applied late charges for non-payment ( {$40.00} ) plus interest charges ( {$8.00} ) as XX/XX/XXXX. XX/XX/XXXX : They have also prevented me from making any new purchases at this point ( which is problematic for shopping at XXXXXXXX XXXX ). Comenity also opened a new line of credit under their Victoria 's SecretXXXX XXXX XXXX however, I did not give authorization nor permission. Fortunately the balance is XXXX. Their customer fraud team sent me the new card with accompanying information " they suspect fraudulent activity and that I need to submit additional documentation '' however they were the ones who opened the line of credit on my behalf.
Company Response:
State: MA
Zip: 02184
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: In early XXXX of XXXX, I received a statement from Comenity Bank indicating a balance of {$160.00}, including a late fee of {$75.00} and interest charges of {$4.00}, but the statement does not contain information on any purchase. Additionally, the statement does not have a header and doesn't show any retailer name. I called Comenity Bank on XX/XX/XXXX to inquiry the charges and informed them that I have not received any statements recently and this is the first time I am seeing the charges. They indicated the purchase was for XXXX XXXX and agreed to waive the late fee, but refused to waive the interest charges. I asked to speak to a supervisor and they dropped my call two different times. I called a third time and the customer service person transferred me before I even finished my sentence. I have sent in a payment of {$91.00} on XX/XX/XXXX, which includes my purchase amount of {$86.00} and the interest payment of of {$4.00}. I have also requested them to close the account. Given the circumstances and the fact that I did not receive any statement until a payment is due, I believe their practice is unfair and violated me as a consumer.
Company Response:
State: OK
Zip: 74133
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed that a new credit card from Comenity Bank XXXX XXXX has been opened up in my name a few weeks ago. The person who opened the account sent {$1200.00} already and maxed out the credit card and defaulted the payments. Upon contacting the Comenity Bank they told me they will start investigating. They called me up today to tell me they do not think its a fraud because " someone paid the bill ''. Upon further inspection the Comenity Bank rep told me that someone opened up an account in my name on XX/XX/2022. On XX/XX/2022 around XXXXXXXX XXXX XXXX XXXX, a guy identifying himself as XXXX XXXX called Comenity Bank and told them that he is my husband and that I had authorized him for this account. He then spent {$1200.00} on that credit card but also somehow managed to make a small payment. The Comenity Bank account that was created under my name had the last 4 digits XXXX. He also assigned an email " XXXX '' with this account. The address provided by the person who opened up the account -- XXXX, XXXX XXXX, XXXX XXXX, TX, XXXX -- is not an address where I have ever lived or been to. The bank closed the investigation I asked them to conduct because they believed a " fraud would not make a payment with a checking account ''. Please help me with this. I am single, live alone, never been married. Whoever opened up an account under my name and is using my identity is a fraud.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity Bank has made numerous repeated daily calls from XXXX since Tuesday XX/XX/2022 violating Reg. F 1006.14 ( b ) ( XXXX XXXX. Below is the breakdown of the call log : Tuesday XXXX/XXXXXXXX - XXXX calls ( XXXX, XXXX ) MST Wednesday XX/XX/2022 - XXXX calls ( XXXX, XXXX, XXXX, XXXX, XXXX ) MST Thursday XX/XX/2022 - XXXX calls ( XXXX, XXXX, XXXX, XXXX, XXXX ) MST Friday XX/XX/2022 - XXXX calls so far today at XXXX and XXXX MST
Company Response:
State: AZ
Zip: 85338
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Getting the loan
Subissue:
Consumer Complaint: I, the consumer and natural person was denied credit by Comenity Capital Bank when I applied for {$11000.00} for a dental procedure with XXXX XXXX XXXX I, the consumer entered into XXXX credit transactions with Comenity Capital Bank that took place on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The transactions was of no benefit to me. That action was a willful act to disregard 15 U.S. Code 1602p. This is solid proof of the unauthorized use of my credit card by Comenity Capital Bank. My credit card was charged directly by your company with willful intent to deny me of my right and defraud me of the money obtained through this transaction. As the cardholder my credit card was used to apply for credit. Each time I was denied my right to credit which is unlawful. I, the consumer exercised my right to credit in good faith and was discriminated against without the proper explanation. According to the Dodd-Frank Act amendments creditors are required to provide applicants with written valuations developed in connection with all credit applications. Comenity Capital Bank did not adhere to the ECOA or provide the consumer with where they got the information from that caused the illegal denial.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid my credit card off in full XXXX day late. I asked to please close the credit card since this is the only card I have to pay off each time I use. All my other cards are automatically deducted from my banking accounts. Since I asked for the account to be closed the representative became angry and did not close the account and I received a {$70.00} interest charge. I called and told them this is completely unreasonable and they said if I kept the account open they would remove the charge. I did not agree and asked them to remove the charge and close the account. I just spoke to them again months later and the account is still open and the balance is now {$330.00} all in interest charges. They told me they are send this to attorneys and I am going to be sued.
Company Response:
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A