Date Received: 2022-07-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In mid XXXX I went to put gas but my card was declined, thought maybe it was froze because I used it out of town a couple days prior. Go online to review my account and I can not log in, so I call the number on the back of the card and no one answers. This same problem has been going on for nearly a month now with no resolution in site besides some canned answers from a XXXX bot. This is going to effect my credit score which I have working hard to improve. This is all with Bread Financial and Comenity Bank.
Company Response:
State: CO
Zip: 80229
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I tried to pay off my remaining balance for my XXXX store card in XXXX. I saw the amount leave my bank and I assumed that it was taken care of. Now, when I look for proof that the payment was successful ; Im unable to find anything. Not only that, but now Im being charged a late fee and my credit score has been affected. Ive worked so XXXX hard to improve my credit score and now my life is being ruined by this company. I cant even access my account to make a payment!
Company Response:
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been trying to log into my account since XX/XX/XXXX and have not been able to. I keep receiving an error message that my account is closed. My account was closed XXXX XXXX, however, I was still able to log in and make payments, see statements, etc. I am now no longer able to log into my user portal and make payments and see statements because I am haulted at the " account closed '' screen. If my account is closed, and I am unable to make a payment, I would like Comenity to erase my account balance before it reports as delinquent to my credit reports. Every time I call customer service to inquire about my account, I either get disconnected or the representative can not locate my account. I am also unable to make a payment via phone because it can not locate my account. This is a nightmare! I have made good faith efforts to log in. I have attached a screenshot of the error page that I land on after entering in my username/password.
Company Response:
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Notice of my demand to opt-out of sharing my credit worthiness was received by XXXX XXXX XXXX XXXX COMENITY CAPITAL on XX/XX/XXXX via USPS Certified mail # XXXX after I noticed that my identifying information was being used fraudulently. As of XX/XX/XXXX, COMENITY CAPITAL has failed to respond and abide by its privacy policy and the laws set forth by congress regarding consumers ' right to privacy and nonpublic personal information. COMENITY CAPITAL is willfully and knowingly violating its obligation to respect the privacy of personal, and non-public information in regards to rights for a consumer. They have ignored my opt-out notice and are still disclosing my personal information to third-party companies to which I dont consent. They are invading my God-given inalienable right to privacy. My nonpublic personal and or private information is not to be shared without my willful consent or XXXX XXXX permission which I dont grant them or any Affiliates to share. By having the alleged account number XXXX furnished on my consumer reports. they are defaming my character and it has caused me mental stress. Im severely stressed over the fact that I'm losing sleep, I cant sleep at night knowing that my rights are being violated willfully and knowingly. Losing sleep has taken an adverse toll on my work performance I have lost wages and compensation by the stress that this corporation has caused against me. By COMENITY CAPITAL reporting my nonpublic information regarding my persons creditworthiness to Consumer Reporting Agencies, it is creating further damages. I have demanded that they cease to share any credit worthiness information using my identity information with any third-party affiliates or non-affiliates promptly which they have willfully ignored. According to Title 15 of United State Code subsection 6801, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Under Title 15 of the United State Code, COMMENITY CAPITAL violates subsection 1681b section 604 by furnishing information on my consumer report without a permissible purpose. As COMENITY CAPITAL, being a financial institution, it is its duty to honor consumers ' right to privacy by following the regulations congress has set forth for financial institutions to respect consumers ' right to privacy and to limit the sharing of information to affiliates. If theres any consent that may have been given that granted COMENITY CAPTIAL the opportunity to furnish my credit worthiness to third parties or affiliates, this is letter is a formal notice that I revoke consent and opt-out. As COMENITY CAPITAL and Consumer Reporting Agencies are financial institutions subject to the Gramm Leach Bliley Act they shall be liable if they choose to continue to violate 15 U.S. Code 6821 knowingly and intentionally and shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both pursuant to 15 U.S Code 6823. I'm demanding my non-public information regarding my credit worthiness shall not be shared with any third party or affiliates of your financial institution. I am informing all recipients that any continuation of my creditworthiness or non public perosnal information of the alleged COMENITY CAPITAL account XXXX to be furnished to my consumer reports or your affiliates in any derivative thereof shall constitute a breach of my right to privacy and fraudulent use of my identifiying information. I allege that any continuation of my nonpublic personal information regarding any form of creditworthiness by COMENITY CAPITAL account XXXXwill constitute a conspiracy against my rights granted to me God, regulated by Congres, and deprivation of my rights as a consumer with willful intent by all recipients of this complaint. Therefore you have been notified of my demand to opt of sharing my credit worthiness regarding the account XXXX with COMENITY CAPITAL and I demand a quick removal of this account from all consumer reporting database within 5 Business days whereas I was never provided any notification that the information was being reported negatively to any third party or a reasonable way to opt due to the fact that this account is a result of fraud. A copy of an Identity theft report and USPS tracking of the initial letter is attached within
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Received first bill in XXXX for BJ 's Mastercard new account. Lost the bill, forgot to pay it. Got my second bill in XXXX with interest because of the XXXX bill I missed. Paid the balance in full. Received XXXX 's bill with interest added. Called the CC company figuring it was a mistake, but they said it was more interest from XXXX. I said that bill was paid in full, but they refused to remove it so I paid it and canceled the card. What can you do to make this right?
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am unable to log into, pay, or negotiate this account. Apparently, comenity bank is experiencing a nationwide system failure/glitch that is preventing consumers from logging into their accounts. However, I keep receiving " late/past due '' emails and have another incoming payment due in a few days. Whenever I call their customer service department, I keep being told to " Call back later because of a system update/ outage. '' I have been told this same thing for weeks now every time i call. I do not know what else to do? Furthermore, the loan amount in question ( {$4100.00} and change ) is incorrect. I have only received treatment ( 2 ) treatements that should have only totalled {$400.00}, from Comenity Bank 's provider, XXXX XXXX. Althought the balane was brought down to about {$2100.00} and change, this is still too excessive considering I only received 2 hair/wash/groom appointments that should have only costed me about {$200.00}. Lastly, I never received an itemized receipt detailing the charges of only the 2 treatments i received at XXXX
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My XXXX XXXX has been declined when I attempt to use it since at least XX/XX/XXXX or so. During the same time, I haven't been able to log in on their website or get through to a person on the phone. I attempted to pay my bill using XXXX at one point when it worked, but the payment doesn't seem to have left my bank account and XXXX no longer works. I was able to log in online once, saw that my balance was way off, then it kicked me out when I tried to view transactions.
Company Response:
State: MO
Zip: 64114
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Fraudulent XXXX card application submitted with Comenity Capital Bank. Contacted the fraud department and currently do not have record of the application. Inquiry is currently showing on my credit report.
Company Response:
State: TX
Zip: 77035
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a store credit card with both XXXX XXXX XXXX XXXX which is handed by Comenity Bank. They supposedly did a system update on their web site about a month or so ago XXXX 2022, which I was not able to even access my account during that time. I called the customer service number provided and all it is was a recording saying to to call back at a later time and then it would hang up. I tried several more times for days after, and always got the same recording and hang up. In the meantime, I got a email saying my automatic payment information is no longer valid and my banking information needs to be updated, so automatic payments can not be processed, even though none of my banking information has changed. I went to the web site for both cards and updated it, even though nothing had changed, and it still did not accept my payment. After over an hour of messing around on their web page, I was able to get my XXXX payment to go through. I went to both pages, re-signed up for automatic payments, and waited to see if my Women Within account would be paid on XX/XX/XXXX, and it was not. I tried to manually pay, and it said it went through, but there is no refection of that on my account. Last month, XX/XX/2022, I had to manually pay, which also took four days to achieve, and they charged me a late fee, even though it was an issue with their web site and I tried everything in my power to make my payment. It was due XX/XX/XXXX and I was not able to get the payment to work until XX/XX/XXXX. I have tried to contact them via their web site and all it is as an automated response. I called the phone number, several times again, and it now says I am " not the authorized account holder '' and will not allow me to even find out my balance online. I am not sure how they can determine if I am the authorized account holder when all I did was enter my account number. I did send a message to the Comenity Bank XXXX page, but have not had a response yet. The XXXX page is the only place they have had anyone from that company respond to the numerous complaints about their service on their posts. I do not want their incompetence and lack of customer service effect my credit score.
Company Response:
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On Friday XX/XX/2022 I attempted to make my payment to Comenity ( AKA- Bread Financial ) for a XXXXXXXX XXXX XXXX credit card on their website where I have successfully made payments before. I was unable to login with my normal login information that had been used the month previous. Then I tried to login using the " Easy Pay '', because there was a header on the website that said " Easy Pay '' was working and they apologized for the inconvenience on the outage. The " Easy Pay '' did not work either. I then proceeded to call their customer service phone number. It asked for my social security number then stated it would transfer me. It transferred me to a pre-recorded message that stated they were not currently available and were aware of the issues making a payment. I then looked around on their FAQ page on the website and it stated they would waive late fees between XX/XX/XXXX and XX/XX/XXXX I believe. They have my contact information on file and never once sent an e-mail blast or a letter that they were experiencing technical difficulties. They apparently had this issue for at least 3 weeks! Unacceptable behavior from a financial institution!
Company Response:
State: MO
Zip: 647XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A