Date Received: 2023-11-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never open this account the name on the account is not mine. I received this card in the mail, but NEVER used it. This has dropped my credit score almost XXXX points
Company Response:
State: AL
Zip: 35640
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a Commenity credit card that I payed off the balance and closed in 2021. The company XXXX XXXX insists that I owe {$210.00} that I need to pay. Commenity can not " find '' my account because it's closed. Yet I am still getting emails and calls from XXXX XXXX insisting I pay the money " owed '' though they can not tell me what the money is for ( other than that it was owed to Commenity and they now own that debt ). Attempts at clearing this up with both companies ( Commenity and XXXX XXXX ) have not accomplished anything. Please help.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
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 am writing to complain about the practices of Comenity Bank, owned by Bread Financial, which issues consumer credit cards for XXXX, Talbots, and other retailers. 1 ) I opened a Talbots store credit card sometime in XXXX per Comenity 's records, when I was residing at Address # XXXX. Despite multiple requests in writing and via telephone, I never received the card. I have spoken to numerous customer service representatives over the years who apologize and commit to sending me a card, but I have still never received a card. 2 ) In XX/XX/XXXX, I moved to Address # XXXX. 3 ) At some point in the last few months, someone apparently made a purchase at a Talbots either using the card I have never received, or by claiming they were me. Talbots apparently allows people to make credit purchases without presenting the card, which is an incredibly poor security practice. I suspect they do this because Comenity regularly doesn't mail cards to people. 4 ) Comenity has been harassing me for months over this purchase, despite never sending me a Talbots credit card after approval and claiming it has been sent.
Company Response:
State: NC
Zip: 28787
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I have a XXXX credit card account. I had purchased a computer with an interest fee of 0 % for the first year. I carefully calculated my payments and the computer was to be paid off prior to the interest fees. I had autopay set up for $ XXXX payments. At the end of XXXX i received an email stating they were selling my account, and access would be restricted. I called XXXX at that time, to make sure my last payemnt ( {$97.00} ) would not be charged late, or if the autopay would still work, etc. I was told no late fees are charged, and as soon as I got the letter stating the account was changed, to login, and make sure all was in order. I received the letter around XX/XX/XXXX. It stated that I had incurred interest of {$280.00} because I did not pay my promotional purchase off in time. I reached out to the creditor, and was told that there is nothing they can do, as I did not pay my promotion off in time. My promotional balace would have been paid off in time had they NOT SOLD my creidt account, and restricted my access to the account while the transfer was occuring. Even if you can not assit, I would like others to be warned of the predatory manuever of creditors, as this is totally unfair. Thank you.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I made a purchase at a jewelry store on vacation in XXXX, Florida. I was asked to open a Diamonds International Credit Card with no interest to make the purchase. There had been NO explanation to the promotion offered or the details with the merchant. I paid my monthly payment every month on time online. My last payment, made on time on XX/XX/XXXX was made online. I tried to review my APR with some searching. It was not easy online on the Diamonds International website and the information was not clear in view. I could not open any previous statements with ease as my paper statements were unavailable at the time. The online statements were simply unavailable, unable to open. I was unaware of the APR and the promotional time period would be expiring because it was not visible on the online pages of the Diamonds International online statement. The full balance of {$2200.00} was in BOLD type along with my credit line amount and minimal payment due. Promotional information was NOT visible or available. On XX/XX/XXXX, I opened mXXXX XXXX XXXX XXXX XXXX account online to make a payment. To my surprise, {$1900.00} in compoundable interest was posted to my account on XX/XX/XXXX, with no notable warning, expression or reasonable announcement on this online portal. I called customer service on XX/XX/XXXX at Diamonds International for information and to request the charges be removed on my account. I had consistently made my on time payment. I had made a complaint that the promotional information was NOT clearly posted online and they said NO, they could not reverse the charges. I offered to pay my bill in full if he would kindly remove the charges for the interest and he still said NO. I mentioned to the representative that I had a very sick husband that had suffered COVID as well as a secondary illness that has made him continually sick for over a year and he still would not offer to help me. Upon the second time calling customer service on XX/XX/XXXX I requested for a second time for the charges to be removed due to the company 's lack of information offered online. I was told NO for the second day in a row and that I will need to pay the full amount of the new bill for a total of {$4100.00}. I asked for a concession and to please remove the compounded interest as I was NOT informed of the upcoming promotional charges and times this promo had expired. She explained to me if I had called within 72 hours of my due date on XX/XX/XXXX, Diamonds International and Comenity Bank could have reversed the interest added to my account and removed it. I explained this was stated NO WHERE on the online statement. The customer service representative then stated there were plenty of announcements on my paper bills that had been mailed to me. I explained due to my husband 's severe XXXX related diagnosis and his illness for the past 18 months, I was traveling with him for treatments and had not received any of this information or read any of this information. I explained he had been sick for a long period of time, out of work and unable to function. I offered to pay my balance in full, if she could provide me with a credit to the compounded interest of {$1900.00} The customer service representative would not offer to help me in this situation, that included a Covid hardship, or transfer me to supervisor to offer a logical resolution. I told her the information for promotional periods was not made clear on their payment portal website and it was very misleading for me to be told some of the details of the agreement with COMENITY bank that applied to me that was NOT clearly written on the online website while I made my payments in the past. The only information offered in BOLD face type was my credit line, my balance and when my minimal payment was due. My other larger bank credit cards have this information clearly posted for consumers to read, specifically WHEN a promotional period is ending. Diamonds International and COMENITY Capital Bank and Bread Financial are confusing consumers by NOT posting the proper information on their websites and payment portals to provide consumers with the knowledge and power to make sound financial decisions. I was not offered any help with my bill from a XXXX hardship we were experiencing in my family.
Company Response:
State: CT
Zip: 06877
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I reviewed my two last statement and they have been issued with out list the list of detail purchase. they just have a general amount charge in the statements. I requested the credit card to send me a detail information to verified my purchases because look for me as some one made fraudulent purchases online. Also I made a police report. I continue making my normal monthly payments to the credit card however I did not understand why the balance is not showing the payment I made in the last four ( 4 ) ) months.
Company Response:
State: FL
Zip: 33428
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Commenity Bank forced me to process my payment a day later than when I was making my payment. I tried to make a payment at XXXX on the payment due date. The system was forcing me to input the following date. I called the company to make the payment over the phone and willing to pay a {$9.00} fee even though I was making the payment on the due date. They told me that it was past XXXX and could not process today. They will charge me a {$30.00} late fee, report late on my credit all because they input an arbitrary time of XXXX for payments. All other online payments have until XXXX on the day it is due. XXXX has consistently had bad business billing practices. CFPB is doing nothing to correct this. I don't believe you will take any action as a result of this complaint.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Commenity Bank has continued to call over and over every day. Today they have called 7 times between XXXX and XXXX. I answered twice and said i'm at work and to stop calling but instead they just call from a different number. I completely forgot about the payment and intend to pay the bill in full when I get paid but the harassment is out of control and for a bill that is under {$250.00}. I've also received 2 text messages today as well. And if you try to call them back they can't help you if you don't know your account number even though they've called you a ton of times to bug you.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: ALL XXXX CREDIT BREAU SHOW INQUIRES THAT I DID NOT REQUEST, I NEED THEM DELETED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 78223
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
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: XXXX Small charges made to credit card by unknown firm then XXXX $ XXXX charges from same source. I filed a complaint and and asked if there was another name behind the initial the XXXX charges. The bank could not answer that question so they asked me to call the phone # which no one answered so I searched the XXXX # and found it number used by scammers and originated in XXXX. Then another XXXX charges appeared on the credit card and I restated I didn't know any firm by the name charging my credit card. I then received email " Cancellation Notification '' from another source by a different name that stated my subscription status has been recently updated and any ongoing or all future charge have been cancelled as per your request. '' Must have received sample back and notice product wasn't wanted. Bank sending payment requests while I sent all the info and no response to certified letter with document and emails telling them they had data /documents to review. I notice on my phone XXXX XXXX XXXX has been calling XXXX times a day but not leaving a message on the answering machine also have received several statement past due notices. In XXXX email I notified the bank I owe nothing but they owe me about {$450.00} to cancel all the charges plus the {$200.00} payment I made while waiting on their response to my correspondence. I consider the bank to be partaking in credit card fraud by not properly investigating the fraud claim and intend to file a XXXX XXXX with the FBI with a criminal charge complaint of actively participating in a fraud scam. Not enough room to detail the XXXX page letter sent the bank with pages of documentation.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A