Date Received: 2022-07-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My name and information were used fraudulently with Comenity Bank the account was opened on XX/XX/2018.
Company Response:
State: MO
Zip: 641XX
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: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have recently been informed that there is negative information reported by Comenitycapitalb in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing This is not my account on XX/XX/2022.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a bill from XXXX in regard to a credit card that I did not open. This was a fraudulent activity. I did not open the card with them and have reported the fraud to XXXX, XXXX and XXXX. I attempted to call all of the XXXX contact numbers on the bill to dispute the card but when i was connected to the virtual machine it told me to call later. All of this happened on XX/XX/22.
Company Response:
State: OH
Zip: 44012
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: 2022-07-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Its been three weeks and I have been trying to log into my account and pay my bill they arent answering there phones still cant get on and now its going against my credit this is bread financial under comenity
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: i wanted to pay my payment for victoria secret credit card by call and on the commenity bank easy pay but their system has been down for more than two weeks and im afraid it will affect my credit score tho they said it shouldnt.
Company Response:
State: TX
Zip: 76105
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I received my latest credit card statement from XXXX XXXX which appears to be affiliated with Comenity Bank. For the past year or so I have had a check sent from my HSA provider to XXXX to pay off the monthly bill since this line of credit was opened for a XXXX XXXX XXXX Everything had been going fine besides a few late charges because every now and again they wouldn't receive the check in time even though it was sent the same time every month but this last check for the month of XXXX sent out on the 1st of the month from XXXX, my HSA provider, was never received or applied to the account. Now when I call and finally got through to a customer service representative, they could not locate the check even after I provided a check number and date it was sent out. The rep insisted I give him my banking info instead to make up for the missed payment in XXXX. We went back and forth trying to resolve my issue, I never gave my bank info, and the call ended with the rep saying he was going to transfer me to his manager and then disconnecting the call only to call back and get the same message I had for the past 1-2 weeks saying try back they are having prolonged system maintenance. Now this contact was made on XX/XX/2022, and that was the first time I had a chance to speak with anyone OR login to my online account due to what they are labeling system maintenance which it very well could be. But for about 1-2weeks I had no way to check my balance, speak with a rep or fix this now accrued late fee. I tried calling back today XX/XX/XXXX, and the message is still there that they are experiencing prolonged maintenance and now the website is even back down, and I am unable to access any part of my account. My XXXX HSA check has been sent and I have notified XXXX of my issue but have no way at this time of knowing whether this is a one-time mistake on XXXX part or if I need to cancel all future payments. I have no way of contacting XXXX and am worried the late fees will keep getting racked up and start affecting my credit score. Can someone please advise on how to proceed? Thank you,
Company Response:
State: IA
Zip: 51503
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In late XXXX, I received my paper credit card billing statement for the Victoria 's Secret store credit card issued by Comenity. The total amount that was due was {$27.00}. I have excellent credit and pay off my credit card balances without the accrual of interest. This card has been no exception since I opened it over 17 years ago. I issued a check payment for {$27.00} on XX/XX/2022 and mailed it to the required address along with the payment stub that accompanied my credit card bill. This payment was sent out a day or two after the preparation of the check. However, for some reason, this payment was not processed until XX/XX/2022. Because the bill was due on XX/XX/2022, Comenity charged me a late fee of {$27.00} on XX/XX/2022 and a minimum interest charge on XX/XX/2022. When I received my XXXX billing statement that should have had a {$0.00} balance on Thursday, XX/XX/XXXX, I called Comenity to complain about the late fees and interest charges as this was not the first time they failed to timely process a mailed in payment and to get the accrued fees removed. However, I could not speak to anyone as the voice recording stated that their were undergoing a system upgrade and to call back at a later time because they were aware of the issues that this system upgrade has caused. Since XX/XX/XXXX, I called on Saturday, XX/XX/XXXX and Wednesday, XX/XX/XXXX, and still have not been able to speak to anyone about my account. I can not even login to my account online to file a complaint due to the system upgrade. I never had any issues with this credit card prior to Comenity taking over this account as the issuing creditor. I closed all other store credit cards that were transferred to or issued by Comenity for the consistent issues I have had with them as a creditor. However, I can not close this account due to the impact it would have on my credit history given that this credit card has been opened the longest. What is more, I understand the implications of failing to timely pay on a credit card as I am an attorney who has had financial institutions and debt collectors as clients and have filed lawsuits against debtors for their delinquent debt on those institutions ' behalf. It is unacceptable for a creditor to refuse to take calls directly from a debtor, especially given the impact of a negative tradeline it would have on my credit report. It is also unacceptable for a creditor to fail to timely process payments when they are received, and it is a consistent issue with Comenity.
Company Response:
State: CA
Zip: 94002
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I recently opened an ALL rewards card ( issued by the clothing store Ann Taylor, but can be used anywhere -- it's a mastercard ) and it is part of Comenity Bank. Since I received the card more than a week ago, the Comenity Bank portal is down and there is no way to log in and when you call there is no customer service to speak to. I have done some research online and many other people are having this issue ( they manage cards for a variety of stores like Ikea, Ulta, XXXX XXXX, etc. ). I can't pay my bill because there is no way to do it ( although I have the funds and would like to! ) and I am also worried about how this might affect my credit score -- including after all is said and done and I want to close this account because it is not worth the headache. Comenity has been claiming that this is " planned system update that took longer than expected '' but no scheduled maintenance takes this long and blocks thousands ( millions? ) of customers out of their accounts for over a week and counting. They have not been forthcoming or proactive with any information -- and what they do share is vague, patchwork, and unhelpful -- if it is even true. The one and only time they reached out was XX/XX/XXXX via email. I have not heard from them since then. I am worried my XXXX is part of some data breach or something worse, but we have been kept in the dark. Thanks so much.
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This account XXXX XXXX was transferred to XXXX without notifying me , which is in violation of my rights. It seems that the bureaus and the creditors disregarded my several complaints and letters requesting for the validation and proof of this alleged account.
Company Response:
State: CA
Zip: 92081
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have not been provided with my account number so I am unable to use their online platform for making a payment. I called their customer service line and all phone numbers that I could locate on their website and on the papers that I received from them, in an effort to obtain my account number so that I could proceed with paying the bill. Their phone line is inactive ; a recording comes on stating that they are working on getting their customer service back in running order. It is ridiculous that I have not been given what I need from the company in order to be the responsible credit card holder that I am. In my efforts to contact them, I can not fix their error. Online, I can not access my username or any information without the account number. There is no other way to access my account online. I want to be reimbursed for any and all fees and interest charged to my account.
Company Response:
State: LA
Zip: 70114
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A