Date Received: 2023-11-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My identity was stolen and so I have multiple police reports and a FTC report that proves that I didnt open an account with Comenity/ XXXX or XXXX XXXX XXXX They didnt have none of my correct information on file. Not my address. Not my phone number. Nothing. All they did was update it and verify it, but cant show me proof of verification. I literally sent so many different documents to prove it wasnt me and they ignored it and only update the information. These reports should not be on my credit file. These are fraudulent accounts and I took the proper steps to get it removed, so they shouldve been gone. Not updated.
Company Response:
State: NY
Zip: 13208
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I'm being Stalked by someone high up in government. I most recently began to gather proof of being stalked with credit card and credit reporting issues. Here 's an example of what they are and have done and here is the issue for this report. I opened a XXXX and company credit card around XXXX, XXXX. My closing date was XX/XX/XXXX. I received my first-time statement in the amount of {$110.00} with was legitimate charges. A week later, I go to pay my bill and it stated on-line that my balance was XXXX. I knew immediately that someone committed fraud on my account. I contacted the merchant and immediately they submitted a fraud investigation. On around XX/XX/XXXX the fraud charges where reversed and balance was corrected. The only statement that I have received with this company is one statement which was the correct amount of XXXX. My balance as of XX/XX/XXXX was {$1.00}. On XXXX XXXX it was reported to the credit bureaus that I had a balance of $ XXXXThey never reported the real statement balance of {$110.00} The fraudulent charges were even removed before they reported and it's not even time for me to receive a statement again because it does not close until XX/XX/XXXX. It took my credit score down XXXX points. You may say, oh no that's one instance. No, this has happened to me on several of my credit cards and loan accounts. My score was lowered on one of them because my balance decreases XXXX points because on one of my credit card balances went from {$1.00} to {$2.00}. yes, just a dollar. I have superb payment history. There are many more examples of this. Please contact me. T
Company Response:
State: TN
Zip: 38127
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Comidity Bank is storing my financial and banking information without my authorization and or approval. I asked that they remove my financial I formation and they refused.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: XXXX XXXX took back our timeshare in satisfaction of money owed to them in the amount of XXXX. But XXXX transfer our mortgage loan for the said timeshare to a third party financial services which is the Comenity bank. Comenity bank keep bugging us to pay. We wrote to Commenity bank that we do not owe the money anymore as XXXX took the timeshare back in satisfaction of money owed. Comenity bank told us they will investigate and will inform us of the result of the investigation. We never heard from comenity bank. The next thing we know, they turn us over to a collection agency. The collection agency is
Company Response:
State: MD
Zip: 21144
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The dentist stated the loan was denied for the implants. I never received any implants or services but was still charged. The account was closed but never removed from my credit. ComenityCBXXXX
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The letter that was attached in the last complaint... does not have an proper address and that's why I haven't received any notice from this company and whatever they said they are sending because the address they enclosed is wrong .... that's not my address.. the company XXXX 's closed down years ago i never opened an account with them.. I have my police report FTC report..
Company Response:
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was in the process of purchasing a home and needed to clear out credit card balances. My bank sent a check directly to Comenity bank Childrens Place to pay off my balance. The check was mailed out around XX/XX/XXXX. My bank has confirmed the check was endorsed by Comenity on the XXXX of XXXX. I have called customer service multiple times and continue to get the run around. I finally was able to file a dispute with them on XX/XX/2023 and they requested for me to submit proof. I sent a copy of the check and the endorsed copy. My bank also sent the same thing via USPS. Its been over XXXX weeks that I have tried to get a response from them as I submitted proof and continue to just get automated responses that they will need to investigate. Not sure what else they need to investigate when they received {$360.00} payment and never applied it to my account. I am really frustrated about this situation, i keep getting phone calls to make a payment as I am late on a payment, however they received my money and if it would have been applied to my account my balance would be {$0.00} right now. I need help as their customer service dept isnt helpful. I even filed a complaint with XXXX which provided your website.
Company Response:
State: VA
Zip: 23139
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: full beauty comenity aka bread financial. I had already submitted a compliant they responded but yet they sent a message thru to my full beauty account they were suspending my account due to the previous issue then they decreased my credit limit by XXXX wth. they aren't doing what they said they were doing this us crazy
Company Response:
State: AZ
Zip: 85635
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
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: ok XXXX comenity bank. in XXXX or XXXX they announce that the credit card program would close. so I ordered quite a few things. well in XXXX I called XXXX and told them I wanted to return stuff cuz I could not use them so I sent XXXX items back XXXX XXXX XXXX cost over XXXX XXXX XXXX XXXX XXXX cost over XXXX XXXX XXXX XXXX cost XXXX XXXX XXXX XXXX cost XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX another XXXX XXXX total XXXX well XXXX delivered it back to them and they have NEVER CREDITED my account. then I had let them know about being in Louisiana during hurricane at end of XXXX. but again as they have done with my other cards refused to work with me. comenity no longer has XXXX but yet I'm still paying on account. I have paid the payment every month XXXX and I dont know what they are doing with my payments. they aren't applying them to my account. in all accounts my credit score has dropped immensely due to comenkty Bank aka breadfinamcial is really messing up my credit. they closed everyone 's account approx in XXXX. so the limit that I should owe is roughly XXXX not XXXX like they said. they have charged me for late fees etc. plus they have messed up my credit. I have never been late with them for over 7 years but just today I saw on credit report they have reported me 30 days late There is no way
Company Response:
State: AZ
Zip: 85635
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 ( ComenityBank/Victoria ) XXXX 15 USC 1681 section 602 A 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 accounts without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A