Date Received: 2022-07-09
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: wrong information
Company Response:
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: A promotional credit card offer through BJs was supposed to be issued back in XXXX. I never received the card. When I was contacted about a late payment, that is when I explained that I had not received the card nor used any service to have a bill. I was advised to call the store BJs have them reverse the charge, and then call commenity bank to have everything removed. A new card was supposed to be issued. I did not receive a new card nor did they correct the account. I advised that I did not want a replacement at this point and wanted the record cleared as they stated they would. All this time I thought it was corrected. I have called both BJs and commenity bank only to get the run around that their system is down and they can not see nor correct the record due to systems issues. This is negatively impacting my credit and is a disservice to me as a hardworking consumer, that has taken pride in ensuring I make timely payments. I am in the process of trying to buy a home. I have missed out on the opportunity recently because of this matter. In my research I see that Commenity Bank has numerous complaints about not posting payments, or posting incorrect information, etc. This is very stressful to see that others are having the same issue, with no response from the company. Im hoping you can assist me with having them remove this incorrect information immediately. I dont even know the full account number because they couldnt pull it up per all the representatives I spoke with he said to tell the next person if the system comes up XXXX.
Company Response:
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Commenity Bank allowed someone to open several accounts in my name and it has a negative impact on my credit. I did not open an XXXX, XXXX or a XXXX account and they send me a copy of purchases and payments that doesn't prove anything anyone can open an account as someone else that doesn't prove anything at all. I want hard proof that I open an account. I want a copy of my identification other than that commenity bank should have done their job and asked id questions before opening an account
Company Response:
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Please explain the following finance charges ( shown as of XXXX ) : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6.00} I also noted that your system moved the dates of the charges around for whatever weird reason so today XXXX I looked and see this order : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} First of all, for the month of XXXX I was NOT late ( I paid on the due date which was the XXXX of XXXX ). I have reached out ( via secured messages/online support ) several times regarding this, including a call with a rep who admitted that this was wrong and she would issue a credit. As of today, nothing was resolved. I will replace recurring charges on this card, pay off whatever the remaining correct balance and won't be using your product anymore. I will be sure to write a review about this experience on XXXX, XXXX XXXX XXXX, XXXX and all relevant review sites to warn consumers about you including relevant screenshots etc. to outline how awesome the user experience is.
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: The website for this company has been down for over a week or more due to a system upgrade. At first no access, then access to pay a bill only and finally when supposedly back up I can not login to my account. I have a login and password saved to my system so I have not forgotten or mistyped it. After two unsuccessful tries, I got locked out of the system. I said to go to a link provided and I did. I followed the instructions and tried to login and was still unsuccessful. I called customer service to get my account unlocked and was told that she could not help me and that i would have to wait two hours. I asked to speak to a supervisor and was put on an extended hold. The girl came back on and said she was still trying to reach one. I said neverminded because I can not wait on hold forever. It is important that I be able to access my account at all times to see the purchases and refund activity. I currently am in the process of remodeling my home and have returned several items and must ensure that the dollar amounts have been refunded properly. This is beyond acceptable business practice. This company should not be permitted to operate in this fashion.
Company Response:
State: AZ
Zip: 85020
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: 1. I did not receive rewards points for the past month. 2. My last payment on XX/XX/XXXX has not shown up yet on my account. I have spent approximately three hours on the phone with several customer service agents with no answer. I find it impossible to get a straight answer from anyone
Company Response:
State: NY
Zip: 11758
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Accordance with the Fair Reporting act XXXX Account, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: OH
Zip: 43615
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
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: Comenity bank card system is down. Credit card is being declined, no customer service, they will not answer phone. Fraudulent charges are appearing online. This has been going on for over a week, with no one to talk for help.
Company Response:
State: AL
Zip: 356XX
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Comenity Bank, Ultimate rewards mastercard. My account was frozen due to to unknown reason. I tried to call their customer service multiple times and only took me to the fraud department which was and is closed, unable to reach anyone. My auto pay got disrupted, after the card was frozen so I made a late payment and reached someone by pressing zeros and not entering my account number. They transferred me to the fraud dept which is still closed. Now I have a frozen account, a late payment, unsure if they will waive the fee and do not want that on my credit report. I can't reach anyone on the phone or via their online messages, only a closed fraud department. I am trying to buy a house and do not want this late payment on my account due to their XXXX. I also can not use my card and haven't been able to have it resolved for weeks.
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can furnish a account without my written instructions. 11.0K 15 USC 1666B : A creditor may nay treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Company Response:
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A