Date Received: 2022-08-02
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On July 17, while on vacation I went in to shop at a XXXX XXXX in XXXX XXXX, XXXX. It was a good shopping experience. I had no complaints. However, I was set up to apply for a card I did not want. I was under the impression I was applying for a rewards membership for a discount. At the end the cashier told me I had to take this up with the bank to cancel the application. Upon attempt to contact Comenity Bank, I had no luck speaking to an actual person. Come this week, when I was checking in on my scores on XXXX XXXX, I came to realize there is a hard inquiry on my report. This matters to me as I have been working to improve my scores. I again attempted to speak to a rep at Comenity Bank and after an hour wait, they said they couldn't help me. I would not agree to purchase a credit card for a store that is not located where I live. I'm not sure what can be done at this point, but I do not appreciate a hard inquiry on my credit report.
Company Response:
State: WA
Zip: 98944
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
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: Company refuses to answer any internal messages about my complaint. On XX/XX/2022 they reported that I had a balance of {$4800.00}. They published to my lender that I failed to make payments in XXXX. On XXXX XXXX Comenity failed to accurately reflect payment information and caused me to make a double payment, which overdrafted my account 3 times and caused late payments bills. I lost my RV loan and truck loan once again.
Company Response:
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been trying to get a hold of XXXX XXXX XXXX services, by Comenity bank for three weeks. Today was the first time my call was not disconnected automatically. The rep sent me a link by email but it still loads and loads and then says I can not login, their site says " sign in is not available at this time ''. How can I manage my account and pay my bill if your site does not allow it?
Company Response:
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XXXX, my mother, who lives at the same address, sent a letter to Comenity Bank, indicating that she wanted to close her XXXXXXXX XXXX Card. Unfortunately, we have sold our home since that time and are in temporary housing and we can not locate a copy of the letter. However, Comenity Bank should have a copy of the letter in their files. I have made some attempts to order through the XXXX website which were unsuccessful. I kept getting a Token mismatch error, which I thought was a website problem. Finally, a XXXX representative told me to call the credit card company. It took me a couple of weeks to do so due to the fact that I was in the middle of selling my house and vacating the premises. When I inquired of Comenity, they told me that my card was shut down. At that point, I knew that they had mixed up my mom 's request to shut down her card, and had shut down my card instead. I asked them to reopen my card. Comenity says they can't do this. I will have to reapply for a new card. I will lose all my status with XXXX ( free shipping, points status, etc. ) A new card is not the same as my old card. This is not apples to apples. This is Comenity 's mistake. My mom 's letter contained her name and credit card number. There is NO reason why my card should have been shut down. I have been a 15 year customer for Comenity. Also, my Mom 's account, is still open and she wanted it closed down. ( Now, I wish that I had realized Comenity 's mistake earlier, but I had a good deal going on in my personal life with selling and buying a house and moving from XXXX state to another. Comenity seems to blame this on me, because I should have notified them earlier. I think that is very poor customer service. ) I did talk to a nice manager, XXXX, today, but she was unable to offer any guarantee that the issue would be resolved favorably. This needs to go to an executive to be resolved, so I am filing the CFPB complaint.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The XXXX XXXX card by XXXX and through Bread financial, Comenity Bank is ridiculous. The website tries to get you to make a payment through " Easy Pay ''. However, agreeing to pay via " Easy Pay '' diverts you to a new page that is blank with only a button that reads " Exit ''. When I tried to call the company I had to stay on hold for 20 minutes. Just to pay my bill.
Company Response:
State: IL
Zip: 62901
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
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 have tried numerous times to dispute a charge made by a timeshare resort called XXXX. I've attached a detailed letter that was included in our dispute, but it obviously fell on deaf ears. However, let me give you a brief description of our issues. We were sold a " right to use '' timeshare by XXXX, which turned out to have multiple false pretenses. We never were interested in buying a timeshare until they started talking about additional benefits that came with it. First, was the XXXX website. They told us all hotel booking sites get 20 % or more of the hotel cost. By being a member of the XXXX website, we would get to bypass this markup and save 20 % or more on all hotels. This seemed like a good benefit given we travel frequently. Once we obtained our website credentials, we quickly realized none of what they said was true. Almost every area you look to book a hotel is full price and in very few areas there might be XXXX or XXXX hotels discounted. They made a gross overstatement on this. Second, was the XXXX XXXX membership. We were told we would have access to rent houses at any time all over the world for a fraction of the price. Again, once we obtained our website credentials, we quickly realized none of what they said was true again. There are very few houses on the website and the houses are rarely available. Once again, they made a gross overstatement on this. And third, the golf program. We were told we would have access to private courses for a reasonable price all around the world, included in our hometown of XXXX, XXXX XXXX play golf, so that seemed like good benefit as well. At this point the only thing we have seen on this is a list of courses in their sale office. We even called golf courses on their list, and they had never heard it. So basically, they sale you on all these so called " added benefits '' that turn out to be useless. Interval should not even allow a sham company like XXXX to use their credit card when they blatantly lie to consumers.
Company Response:
State: KY
Zip: 40245
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize hard inquiry on my report.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: My credit report has been impacted by negative information reported by the credit company ( Comenity ). I contacted Comenity to advise of past unemployment and opportunities for their hardship program. XXXX transferred my call to three different representatives. She advised my account met hardship guidelines. Once, I was able to get in touch with the hardship department. I was placed on hold for twenty minutes to verify my eligibility and process the request. Their system malfunctioned and the representative wasn't able to finalize the hardship request. I recorded the entire incident due to prior negative experiences. I refuse to continue to wait and be affected by Comenity 's lack of accountability and inefficiency. I need mediation with respect to this matter.
Company Response:
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Comenity Bank/ XXXX XXXX during my administrative process. A cease and desist was sent to them on XX/XX/2022 demanding they send an audit trail including the ledger, all accounting documents, transaction history, and account file. I also demand they remove the account they furnished on my consumer report I never gave written instructions to furnish Pursuant to 15 USC 1681b ( 2 ). Keep in mind non-compliance with my C & D will be documented and used as exhibits for knowingly and willfully violating federal law.
Company Response:
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: i set up payment plans these past 2 months with multiple accounts to avoid delinquency 's on my credit report and they have still managed to add delinquencies on my credit report which are hurting my credit also multiple inquiries that i have not approbed of are on my credit.
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A