Date Received: 2022-07-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Re : Wayfair Credit Card opened with Comenity Bank I opened a Wayfair Credit Card account with Comenity Bank way back in XXXX. On XX/XX/XXXX, we received notification that Wayfair will now be serviced by XXXX instead of Comenity Bank. However, we can still manage our account balances with Comenity Bank. No new charges can be made unless we open a new account with XXXX. I did not do that and instead kept the old account as I was just making payments until the balance was paid off. I tried to make a payment yesterday on the Wayfair Comenity website. This payment is due today, XX/XX/XXXX. When I tried to log on, a message showed up stating that the account is closed and I should call customer service ( attached is the screenshot of the page ). I called the number and got a recorded message that gives me instructions to pay online, on the phone or mail it in. However none of the options work. The option for XXXX asks for the new account # which I don't have. This is not the original account number given when I opened the account. The new account number is the one established by XXXX. ( I did not open a new Wayfair account when they switched to XXXX ). I just kept paying the balance on the Comenity account. It also asks for the social security # which the system did not recognize I tried calling the new customer service number and the representative said that they only deal with the Wayfair XXXX accounts. I was on the phone with them for over 1.5 hrs and nobody could give me a phone number to call for the old Wayfair accounts. This company charges {$29.00} for any payment made after XXXX on the due date. I am afraid that I will continue to be charged the late fee or worse, reported to the Credit Burea if I don't continue to make payments on the balance. How will I be able to do that when I don't even know where and how to pay? Please advise.
Company Response:
State: VA
Zip: 20120
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Comenity Bank and Bread Financial website has been down for over a week and I can't access my account online. I tried calling the Customer service number listed on the back of the card XXXX XXXX XXXX and that line doesn't work
Company Response:
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: FROM XX/XX/2022 Been trying to fix my credit with no results. Multiple requests of disputes, investigations and re-invistigations have failed to fix the problem as a result now I have an INCOMPLETE tradelines which includes x, unknown information because according to XXXX the furnisher does not know the information disputed. I have tried to communicate with the furnisher in multiple occasions via different channels of communications all with no results. The furnisher has refused to provide the information disputed and the representatives are unqualified or unable to verify any information due to being in a remote location outside if the United Sates or in other occasions employees working remotely with limited resources to escalate or transfer calls to the correct party. Most recently I called and spent over an hour with no results, nobody knows where the information disputed is. In addition, the certified letter I sent with signature required, the representative checked the company 's directory and advised the person who signed the certified letter return receipt is not in the employee rooster. Both parties in concert have done anything to provide a fair, accurate, error free tradeline. I have exhausted all efforts and seek assistance enforcing my consumer rights.
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have contacted Comenity 3 times. The 1st time I called was last week to let them know that several charges on my comenity credit card was NOT me! An agent name XXXX said a complaint was filled and that it will be investigated. He also said someone stole my credit card info when swiping at a store.. Someone stole my credit card info and made purchases totaling in {$800.00}!! I have been calling comenity this week and all calls go straight to a voice massage and the call gets disconnected! since the complaint made last week I have also lost access to my account!
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In accordance with a Fair Credit Reporting Act [ CB/NY & CO CB/VICSCRT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states I have right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: PA
Zip: 187XX
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Issues with CRA and Furnisher lack of cooperation in the production requested in support of the verified and ACCURATE reporting to the XXXX. Dispute my efforts of disputing directly with furnisher and failed attempts to obtain accurate reporting in trade line seeking your assistance with the enforcement of the violations committed against my consumer rights to accurate, complete, errors free reporting in my credit report. I have exhausted all ways of communications with furnisher, no response, giving me the run around. Most recently, exhibits attached spent over an hour on the phone with a representative from Comenity, who forced to provide my full social security # after providing the full account #. Moreover, limited and untrained, unqualified points of contacts located in XXXX and limited information from employees working from home, useless escaltions of my issue with no results. The last written correspondence sent via cert mail, was signed by an employee who is no where under the directory of the company. Last week, contacted XXXX directly and was advised that if the furnisher does not the information then they put X because they can not verified. Lack of cooperation from both parties. Both companies operating in concert violating my consumers rights to fair reporting.
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Comenity bank/express sold of my debt to an outside company closed my account and charged it off, unfortunately for them the next day i received a loan to repair my credit and I paid the credit company that bought my debt in full what was owed. Comenity bank apparently did not like this and is putting derogatory marks on my credit and doing hard pulls of my credit to put bad hits on my report. neither of the 3 credit reporting companys are doing anything. the account was closed and then paid off, why can they still report late payments pull my report and add derogatory remarks. its there fault for selling my debt a day too early and all this petty childish demeanor over a mere {$550.00}. I would like it to stop so i can carry on trying to fix my youthful credit and get that account taken off my report all together.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX
Company Response:
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I received a text claiming it was from Comenity about a possible fraudulent charge to my credit card account ( I have a XXXX with them ) in the amount of {$97.00}, for XXXX XXXX XXXX. I didn't call the number in the text message because I wasn't sure it was from them ; I called the number on the back of my credit card. I also checked my account online, and didn't see that charge pending. I spoke to a rep, who told me that he could see the amount pending on his end and that he'd reverse the charges and send me a new card so that the current one couldn't be used again. On XX/XX/XXXX, I checked my Comenity account online and saw a charge for {$96.00}, with the description XXXX XXXX XXXX XXXX NY. I called again and explained to another rep that I hadn't made that charge ( I haven't charged anything to this card since XX/XX/XXXX, as I'm trying to pay it off ). The rep told me my card had been blocked since XXXX so no more charges could be made ( I assume the {$96.00} was charged around the same time as the other one ). She said she'd lift the {$96.00} charge while the claim was investigated and that it would take up to 90 days to finish the investigation process. After that, I went to check my account online, to see if they'd reversed the charges, and due to a technical glitch, I can't log on to check anything. This comes after numerous calls that went to a recorded message that their office was " temporarily closed '' and dealing with their website being down. At this point, since I can't check anything online and I just called, only to be told their office is " temporarily closed '' yet again, I don't know what's going on with my account. Prior to their so-called update to their site, I had no issues with fraudulent charges, and suddenly I do, so it seems their " update '' probably coincided with a hack, leaving customers ' data vulnerable.
Company Response:
State: FL
Zip: 32224
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have a credit card with Comneity Bank called XXXX Credit Card. There website has been down at least 6 weeks. You have no idea when a payment is due on the account. I called in this past month and they took the payment over the phone, a day after the due date. I just called in and asked that they verify that my bills are digital because I am in the process of moving. I was told that I have to go online and make the request. Keep in mind that their website is down. What do I do as a consumer with this?
Company Response:
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A