Date Received: 2022-07-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I've been trying to call through to make a payment for over a month now. Apparently there is an outrage with their phone systems that's been ongoing for weeks. I don't have an online account set up for payments and I can not create one because I don't have my account number. I've been trying to call every number I can possibly find to obtain that info I need. Their hold times are ridiculous just to get hung up on after 30+ minutes. I'm reading other complaints of people who can not get into their online payment portals. There's other complaints of fraudulent charges, late fees and negative credit reporting. I have great credit and want to keep it that way. Their lack of communication with their customers is completely unacceptable.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Hello, A message was passed to me regarding a phone call to phone number XXXX. They called on XX/XX/2022. From phone number XXXX EXT XXXX Female debt collector who would not leave her name, left a message on a voicemail with a 3rd party and then spoke to unauthorized and unverified XXXX party, verbally threatened " if XXXX does not call me back by XXXX tonight, I'm turning this over to my lawyer. This is regarding her XXXX Credit Card account ''. When 3rd party asked her name, she said " M '' sound but could not understand what her name was, as though she purposely muffled the phone. 3rd party asked again, debt collector gave the same " M '' sound then muffled the phone. Please investigate this debt collector as I feel she is using unfair and bully tactics that violate the CFPB and FTC. I can be reached at XXXX, my name is XXXX XXXX. Email preferred, XXXX Thanks, XXXX
Company Response:
State: NY
Zip: 14150
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have attempted to contact Wayfair Credit ( Comenity Bank ) on multiple dates in the month of XXXX. The website would not allow payments, the website provided a variety of error messages. I also called their customer service number numerous times and was on hold for over two hours without an answer. Their automated service would allow for payments but would require an additional charge of {$9.00}. I signed up for emailed statements over a year ago, so statements would normally be emailed to me. However, no statement was sent to me for the due date in XXXX. The last statement I received was in XXXX for the month of XXXX. On XXXX XXXX at XXXX XXXX, I received a call from a number XXXX who stated they were Comenity Customer Service . I advised them that the statement for XXXX was never sent to me and I had been attempting to contact them for over three weeks. They related that I could pay over the phone, but I requested a copy of my missing statement, correction on my account to reflect that payments were unable to be made due to their system error and a new credit card which they still had not provided. The agent related that they had system wide issues. I was then placed on hold by the agent whom never returned to the call. I called the number back, and the automated system stated they were closed for the day. I am requesting correction to my credit report to removal any past due statements, updated credit card statements, and requiring the company to provide a new card as well. This payment has not been able to be submitted due to no fault of my own, as I was advised the company was sold to Bread Financial and their websites are having issues.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I've been trying to pay my New York and Company bill on line and over the phone. when I go on line to pay my bill and submit my information for easy pay to pay my bill, it says " we're sorry. a technical glitch ocurred and your request could not be completed. please try again ''. when I try to pay over the phone there is not response. I've been waiting on phone for a least an hour and they don't respond. On the other hand it seems I get a sooner response when my payment its already pass do and I have to pay the late fee which is {$41.00} more than my actual pay which is {$37.00}. I hope I could find some help on this matter. Thank you in advance. They also change my credit card number and never receive the new card which its also an issue for me to pay my bill.
Company Response:
State: NJ
Zip: 07508
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am less that 30 days behind on payment due to husband switching jobs. Payment was due on XXXX of this month it is now XXXX of same month. They have called me XXXX times in the last 7 days with number listed in complaint and XXXX times with the number restricted ( yes same company, I answered the last call and they verified ). I could understand if I had a history of late payments. I do not. I could understand if I were over 30 days on my payment, but I am not and will be paying the entire amount of payment and the next payment upon husbands first check at new job on the XXXX.
Company Response:
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
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: BJ 's Master Card serviced by Comenity Bank ( Bread Financial ) since XX/XX/2022 can not access my account either on line or through a representaive at the bank. The Bank can not provide me with any details or send me a statement of the charges on my account. I am not able to make payments on the account either on line or by phone. Their response is they can see that my account is active but can not see any details. I have been calling them since XX/XX/2022 and can not get this resolved as they continue to tell me their nothing they can do to help me. Since I can not access my account I can not provdie any futher details.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have received several phone calls a day from Comenity Bank. As of XX/XX/22 I receive a minimum of 5 phone calls a day. They range from 3 - 10 minutes apart. to a couple of hours later. When I do answer the phone to state they need to stop calling so much ( especially since it's everyday I receive the XXXX phone calls ) they automatically hang up on me. XX/XX/22 - XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The list goes on and on
Company Response:
State: PA
Zip: 17404
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My XXXX Comenity XXXX has been declined each time I've tried to use it for the past several weeks. I have tried to contact the credit card company both by phone and by email. They do not answer the phone ; I wait on hold for over 30 minutes, and no one ever picks up. They do not respond to the messages I have sent. I can see on their social media pages that this is a problem being experienced by multiple consumers. It is unacceptable that there is no way to reach a person who can assist me.
Company Response:
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I have called the phone number listed ( XXXX ) at various times to limit sharing of personal information, however, I am not able to input my choices and am told to call back at another time. There is no clear way to limit sharing of my personal information at this time.
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Today I have received XXXX calls in total from Comenity Bank for my XXXX XXXX account. If I do not answer they call multiple times in XXXX hour and block their number. This is my XXXX complaint about these tactics they use. My first complaint was submitted XX/XX/22. The complaint id for this is XXXX. If they continue to harrass me I will be contacting a lawyer and submitting a complaint to the FTC, XXXX, and the Attorney General.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A