Date Received: 2022-07-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been trying to access my online account with Comenity Bank for the past 3 weeks and I have no way to access my account. I've tried to log in every single day for the past 3 weeks and nothing!!!!!! I have tried to call the number on the back of my card it just tells me to call back later and disconnects my call. There is no option to speak to a live agent! when I do log in online it is telling me my account has been closed. This is ridiculous!!
Company Response:
State: PA
Zip: 17603
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX credit card ( Comenity Bank ) merged w Bread Financial and since then have not received 3 payments of mine totally {$750.00}. I've called EIGHT times. They hang up n tell you to call back... even trying to close the card for fraud they won't allow it. My bank, XXXX XXXX XXXX did a search and has proof it was paid and even gv me a previous card # for them to check. They state they can not find 3 payments and are charging me interest. XX/XX/XXXX {$350.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00}
Company Response:
State: IL
Zip: 60431
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: 2022-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I purchased a coat from XXXX in XXXX. I received the coat in early XXXX, the coat was not what I ordered, it didn't fit correctly, so I packaged it back up, took to Post Office and sent it back. I called a week later to see if they received back, and they verified with me the coat was received back by them. I started receiving a bill for payment and after enormous phone calls to rectify the issue with comenity bank and XXXX, I discovered my account was in collections. I had already closed my account. I AM NOT PAYING THEM FOR A PURCHASE THAT WAS RETURNED.!!!
Company Response:
State: TX
Zip: 75165
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: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have a XXXX branded credit card with Comenity ( Bread XXXX ). For almost XXXX weeks now, you can not login and can not call them to make payments. Sometimes their easy pay system works to pay bills, which I think I did successfully. My issue now is that I can't call to cancel the card. They hang up the phones instantly. Their XXXX support says to call but it does not work. Many can not use their cards or even report a stolen card or fraud. This company has been extremely negligent and poses a huge security concern to many Americans. They need to be investigated.
Company Response:
State: CT
Zip: 06484
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: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: For some time I have wanted to pay the XXXX XXXX XXXX XXXX ( Comenity Bank XXXX for several reasons : XXXX ) Difficulty paying online from my bank XXXX ) Harassment by constant calls XXXX ) Very high interest rates and charges. On XX/XX/XXXX, I called the telephone system and was informed that my total debt was {$120.00} and I decided to pay it all to get out of this XXXX Last week I received an account statement with a debt of {$44.00} and when I call on Sunday, XX/XX/XXXX, the system informs me that it was {$85.00} ( XXXX and XXXX ). The court date told me that it was XX/XX/XXXX, so I don't understand why they don't check the debt data until that day, nor considering that I haven't used the XXXX in a long time. The payment date was the XXXX, because it was difficult to achieve, since you have to have about 30 minutes to pay, it was not the only date that I had to pay late. The amount of the charges that they included is greater than the minimum payment of the XXXX, so that way they have been charging money to my Card without my knowledge or authorization. For my purposes, pay the entire debt on XX/XX/XXXX. I received constant calls from Comenity Bank, at different times and several times a day, which I assumed was to offer me another XXXX. Normally, I don't receive calls that they don't have on record, so I don't receive them. The only way I could find out about the unauthorized charges to my XXXX was a delayed account statement until last week, otherwise they would continue charging their services, that is why I am making this complaint, because I want my balance to be cleared like I left on XX/XX/XXXX and not knowing more about Comenity Bank. In the same way, I hope that this does not affect my credit history, since I am a very responsible person since I have 3 additional XXXX that I use responsibly.
Company Response:
State: AL
Zip: 36067
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: 2022-07-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: The fraud was done at Virginia XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I brought a recent credit card statement for my bank card on XX/XX/XXXX. On XX/XX/XXXX there were charges to my card in the amount of for {$98.00}. My bank card was charged {$98.00} six times. My bank statement was scanned in the XXXX XXXX XXXX XXXX system and immediately returned to me. The hacking occurred either internally or externally in the XXXX XXXX XXXX XXXX data base. I was there from XXXX XXXX to XXXX. I was seen at XXXX, I have not made any purchases in the credit card since XX/XX/XXXX.
Company Response:
State: VA
Zip: 220XX
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: 2022-07-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is in regards to a Victoria 's Secret/Commenity Bank Card that was paid in full ( {$430.00} ) & closed with a XXXX Balance on XX/XX/XXXX. Two months later I was charged {$4.00} interest on XX/XX/XXXX, which, I disputed and they told me I had to pay it because it was leftover interest. So, I paid it and still confirmed that the account was still closed and it would not incur any more charges. Again, two months later I was charged {$29.00} interest on XX/XX/XXXX. Now I am getting completely annoyed. I called in to customer service again and was told it was required and that once it was paid it would completely settle the account. I reluctantly paid it again, and, again, confirmed that the account was closed and would not incur anymore charges. He we are again, 2 months later, and I receive a bill of {$8.00} of interest. I have been trying to call commenity bank and they have a recording of phone systems being down. I was also enrolled in XXXX XXXXXXXX without my knowledge. This is extremely frustrating and unprofessional. They are fraudulently charging me as a punishment for paying my account in full and closing my account on XX/XX/XXXX. I have screenshots of my payments and have proof that I have closed the account. I am tired of them taking advantage of a consumer like me with no reason other than to try to milk me for more money after closing my account. Any assistance in this matter would be greatly appreciated. Thanks!
Company Response:
State: CT
Zip: 06810
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. COMENITYBANK/VICTORIA XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I XXXX XXXX XXXXLING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Company Response:
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Comenity bank holds the balance on my Wayfair card. I have XXXX access to my account. When I log in, it incorrectly tells me my account is closed. The customer service agent stated that my account was recently moved to XXXX ( it was not moved to XXXX, I never opted to take a new Wayfair account with XXXX when they took over ) So I once again had to take another hour to sit on hold hoping someone would answer their phone. They dont respond to messages, the customer service number is a joke. Ive sat on hold for hours only to be disconnected, played a message that their updated system is having issues or somebody answers and does NOT help or even speak English close enough to understand. They ban access to make a payment online or on the automated number and then have the nerve to charge {$9.00} for one of their customer service agents to make a payment for me from my checking account. My payment was due earlier in the month and there is no way to receive help on this matter. I have never missed a payment or been late with a payment. Im concerned they will be reporting me as late to the credit bureaus and charging more late fees and interest.
Company Response:
State: MN
Zip: 56303
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2021 I got an alert I had a inquiry on my XXXX account. I'm so confused because I did not give anyone any permission to run my credit. ( ComenityCapital/XXXX ) Address XXXX XXXX XXXX XXXX Ohio XXXX
Company Response:
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A