Date Received: 2023-10-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted the company about the information being incorrect on XX/XX/2023. The representive informed me that the informationn had already been reported.
Company Response:
State: MI
Zip: 48213
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened an account some months back with XXXX XXXX XXXX. Their service was nearly flawless, and is not the subject of the complaint. On XX/XX/23, I received notice that XXXX XXXX was selling their accounts to Comenity XXXX XXXX. I was told that I would receive my new account # in the mail, and everything would switch over. I never received a new account number, except for a masked number that only showed the last XXXX digits. XXXX does not allow me to log on to their site to pay, view, or manage the account without having the full account number during registration. Comenity states in their messagine that they sent me my account number XX/XX/23. I have received nothing, and my XXXX XXXX XXXX has shown no missing letters that may have been sent by XXXX. I tried to log on to XXXX 's site to pay the bill XX/XX/23, and was rejected because I do not have the account number available. I then contacted the company by phone, and they said that they never sent an account number out. They stated that there were " Account technical problems '' that they needed me to contact them to fix. They now promise that this time they will send my account number, but state it will be XXXX weeks to receive it. In the meantime, I still can not access my account, and the bills are due. I do not believe that they have any intention of sending me my own account information, and are hoping that I will forget about them so that they may charge fees.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had a savings account with Breadsavings for at least a year and then I recently opened up a second account and made a funding of {$1200.00} and then an add'l {$100.00}. I did an external transfer through Bread Savings website for approximately $ XXXX in early XXXX. I recall seeing the funds in my 1st Bread account totaling {$20000.00} on XX/XX/XXXX but with that I saw my account was frozen. I contacted them and was told that I needed to send my statement proving the money came from my personal account. At that point, I realize that Breadsavings is not the financial institution for me. In the past, I have opened up an account and tried to do an external transfer of funds into that account but the bank immediately requested the copy of my statement of where the money was coming from before it hit my account. Bread Savings decided to wait until my money was in the account and then decided to freeze it and request my statement. Although I submitted my statement on XX/XX/XXXX, the freeze is still sitting on my account. I was told it would take approximately 3 to 5 days to remove that freeze which has come and gone. I would like to have access to my money so I can withdraw it out of Bread Savings. They are now ignoring me so I am asking for your help to get my money back. I earn every XXXX I have, I do not owe anyone except for a mortgage, I have an XXXX credit score, I purchased a car under a 5 year loan and next month will be my last payment at a 2 years and 8 month payoff. This is the person I am and I am truly upset that a bank feels it's okay to keep the money that I earned and treat me like I need to be under investigation. Please do not allow banks to keep a freeze on consumers accounts when it clearly shows the money came from the consumer account. This should be illegal.
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Struggling to pay your bill
Subissue: Filed for bankruptcy
Consumer Complaint: I need them to stop calling me harrassing me they call me 10 to 15 times everyday including weekends at any time. Please I need this to stop unfortunately I cant make payments I am struggling to stay afloat. i was making payments but I lost my job during covid and right now is making payment to card or paying my rent and putting food on the table for my family. These calls are driving me to desesperation. Please stop!
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
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: I have not purchased anything from XXXX in over 5+ years. Randomly in XXXX of XX/XX/2022, they started charging me {$2.00} every month in interest. I called and they refunded me these charges as they said it was in error. They continued billing me monthly. I disputed these charges with XXXX three times, which two were accepted and the last was not. I ended up paying the {$15.00} they said I owed in hopes to save my credit score and put an end to this, yet they are now at it again. They have reported on my credit report that I am late paying them, but however, I again don't owe them anything. My credit score is once again dropping because of this and it appears to be an ongoing issue as they are charging me again. My account with them ( CommenityBank/OVER ) is closed & it says so on my report. I have called - what is now XXXX XXXX, and don't get any sort of help or solutions. Note that XXXX is no longer their own company as they were bought by XXXX XXXX and XXXX. I have attached herewith the transaction/statements document for your reference. Thank you for your help!
Company Response:
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My childs father stole my info and was using it. I asked them to remove it through disputes they wouldnt so I have them my identity theft report and they still havent removed them
Company Response:
State: FL
Zip: 32571
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid my bill every month on time!! And I get a late fee every month!! I call every time to get it taken off and get no where!! Ive paid late fees just to pay my account anyway!! The people I have spoken to never get anything accomplished with my complaint!! I closed the account due to this reason and they said they cant take off the final late fee because account is closed!! Its closed because this company is a scam!!!! No other credit card doesnt receive an online payment late but this scam Caesars rewards credit card!!! This is a scam company and I will continue to get a late fee even though my account was paid in full with a previous late fee!!! I cant say it enough but this company should be sued for scamming people who pay their bill!!! I just want this account XXXX balance!!!!!!!!!!! Its already closed and Im not paying for a late fee that I was not late paying
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023 three payments of {$200.00} each were deducted from my checking account but only two of the payments were credited to my account. Unable to get thru by phone I emailed customer service and none of their responses made sense even though I had sent them proof from my bank account that the payments had been made. When I finally got thru to some one the phone they puled the proof that I had sent via email and handled the dispute telling me it would take 72 hours and that if I didnt hear back to contact them again. Upon contacting them after 72 hours I was told that a letter would be sent to me and that I would have to wait for that, the letter came today. Nothing on my account at their website, no decision from the person I spoke to, no decision via email. As stated in my attached letter their resolution doesn't make any sense as they stated that I requested a transfer from " the account ending in XXXX ''. I don't have an account ending in XXXX and would like that clarified as the insinuation is that they are transferring the payment from one of my accounts to another. This company has no idea what customer service is.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am upset that this company has put and HARD INQUIRY on my credit report & denied my application.And that alone in DISCRIMINATION and them denying me my own credit.That I applied forThis left my report in a default type of way and it is redline activityPlease make them remove this now.This has mentally cause me distress.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I contacted XXXX XXXX to purchase an appliance quote for a kitchen remodel. I was told by XXXX that they offer a 12 months no interest and also an additional rebate of 5 % through Commenity Bank which was approved by phone with XXXX. I had the entire balance in an account ready to pay off anytime form an equity line. I purchased XXXX in appliances in XXXX XXXX.The appliances were delivered over several months. I made regular auto payments of approx $ XXXX over the year and the balance was paid down to approx {$12000.00}. I called Commenity Bank in XXXX and spoke with a customer service person and said can you tell me when the 0 % interest ends. They told me XX/XX/. My response was ok I thought it was earlier it must be based on when all appliances were delivered. I then added it to my calendar and went on this morning to pay it off. I immediately saw a {$17000.00} balance. I noticed they added {$4300.00} in interest in one month ( XXXX and another {$400.00} last month with any warning, phone call, email or anything by mail. I was given a date of XXXX by phone. I fell taken advantage of, I feel scammed and that this is predator4y. The customer service person offered no help or resolution. I have had this money ready to pay off at anytime. I am a XXXX XXXX that has worked hard 7 days a week to put my daughter through her XXXX and a son with a XXXX XXXX. They have turned my dream of a kitchen remodel into a nightmare. I would love your help. Thank you. XXXX XXXX
Company Response:
State: CA
Zip: 92679
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A