Date Received: 2021-09-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX all debt to Comenity bank was found invalid and dismissed. Documents were forwarded to the company and credit bureaus from the XXXXrobate Court. Comenity bank continues to report wayfair, XXXX, etc as bad dent and all 3 of the bureau agencies have been no help.
Company Response:
State: AL
Zip: 36575
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: To : Consumer Financial Protection Bureau XX/XX/XXXX, Re : Comenity Bank ( Lane Bryant ) account On XX/XX/XXXX, I paid my Lane Bryant Comenity account in Full. Two days later, unknown to me Comenity Bank charged my account a {$2.00} service fee. Im not sure why. On XX/XX/XXXX my account had a balance of {$30.00} that included a XXXX late fee. I had not made any purchases using my Lane Bryant card. Today, XX/XX/XXXX, at XXXX XXXX. I reached out to the bank and questioned the billing issue. The XXXX male customer service supervisor yelled at me and said it was MY fault that I did not notice the fraudulent billing sooner. He corrected problem, but continued to say that some people cant be satisfied. He dismissed the fact that Comenity Bank negatively impacted my credit for 6 months. He felt very comfortable yelling at ME and blaming ME. Many of us who have Lane Bryant accounts are XXXX American women. This is bank is XXXX on XXXX people. You cant win, even with timely payments and a XXXX balance! The structural procedures and practices to keep XXXX people at an economic disadvantage, and destroy your credit are XXXX XXXX. This is a prime example. I am requesting a thorough investigation into the Predatory lending and billing practices of Comenity Bank. I am requesting that Comenity Bank correct my credit report and provide the highest available rating for the previous 9 months. I am requesting Comenity Bank send me a letter apologizing and documenting the corrections on my credit report back 9 months to all reporting agencies. I am requesting a reduction of my interest rate to 3 % for 5 years with {$5000.00} available credit. I am requesting a {$2000.00} gift card from Comenity Bank ( Lane Bryant ) for their XXXX XXXX. Respectfully,
Company Response:
State: TN
Zip: 38053
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit has been pulled fraudulently. Please remove inquiry
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX : I called and requested the amount to pay off account with XXXX XXXX XXXX Account : XXXX. I was told {$69.00}. I made two payments of {$35.00} and {$33.00}, to have a XXXX balance, according to an XXXX Customer Service Credit Representative. I am trying to secure a mortgage loan. So, I called to get the address to submit a Goodwill Adjustment letter for removal of late pays : XX/XX/XXXX and XX/XX/XXXX due to an injury and XXXX impacting my work status. I was informed of a {$30.00} past due amount that I was unaware of. XX/XX/XXXX : {$2.00} residual interest XX/XX/XXXX : {$2.00} late fee, {$2.00} interest charge XX/XX/XXXX : {$6.00} late fee, {$2.00} interest charge XX/XX/XXXX : {$14.00} late fee, {$2.00} interest charge. I was told that I needed to pay {$30.00} by the end of the day on XX/XX/XXXX. As of today, my balance is + {$0.00}. Apparently, I was mislead again with the amount due for pay off.
Company Response:
State: TX
Zip: 77049
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: There seems to be a practice among credit card grantors specifically XXXX XXXX and Comenity Bank in which they appear to be reviewing customers accounts and if their credit score is lower than when they first got approved, the Banks are just closing customers ' accounts and saying it is due to a report received from the credit bureau as if the customer 's credit is bad. I believe this practice is unfair especially if the customer 's account is in good standing with the credit bureaus! like mine! Within the last 120 days this happen to me twice. ComenityXXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/2021 and just recently XXXX XXXX XX/XX/2021. I just happen to get a credit alert from XXXX XXXX today XX/XX/2021 that my account with XXXX XXXX was closed. I got one on Comenity around XX/XX/2021. When I called to inquire as to why ( same with Comenity ) they refuse to reopen my account. Both of my accounts were in good standing! I have a 15 page document detailing my interaction with Comenity that I have been dying to share online. With XXXX, I wasn't about to go through what I went through with Comenity. I simply told them I am going to file a complaint and sue them. I'm waiting on the same letter Comenity sent me which I received in the mail 3 weeks after my account was closed, ( See attached Letter and that information was not even correct with what the credit bureaus actually had ) telling me basically after doing a review of my account I was no longer credit worthy! XXXX is going to be sending me, I guarantee you the same bureaucratic letter that Comenity sent me. There was no warning nor notification from Comenity nor XXXX prior to closing my accounts. Creditors closing my account like this is affecting my credit and has caused my score to drop and they don't seem to care. THIS HAS TO STOP. They can't just do this to customers. I was about to make a purchase for my grandkids when I learned my accounts were closed. Do you have any idea how embarrassing and heartbreaking that is? And I didn't have another card available at the time to use. This will affect my ability to purchase a house and car which I was preparing to do within the next 45-60 days! Creditors closing my accounts looks like I did something wrong or that I am a credit risk! and I am not! If this has happened to anyone else, please report it and if you reported it before and nothing was done, report it again. This practice must stop! We must file a class action suit against these banks. These banks are the grantor of almost all the credit cards that are issued in the credit card industry. Go to these links and you will be shocked how many companies issue their credit cards through XXXX and Comenity ; https : //comenity.com/search? XXXX % XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; And this is how they treat their customers? It shouldn't be.
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There currently an account with XXXX/Comenity/XXXX/XXXX that is reporting in error on my credit files that does not belong to me/ At this time, I have requested for the company to provide me information regarding the account and validation of it belonging to me. As of XXXX they have failed to do so.
Company Response:
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a call in 2018 about a debt I was supposed to have. I told them this is not mine. Please provide documentation on this debt. I got a few papers from the original company who,, I assume held the debt. I spoke to them a few months later telling them I did not get anything stating I owed them money. They put numerous bad marks on my credit. They told me they would continue until I paid it. I again called them just today,, they told me to file a police report on something from back 4 years ago. And also told me today they will continue to post it on my credit report. Which will not allow me to buy a home or a car. I just want it off my report. I did not have this credit card or account.
Company Response:
State: FL
Zip: 33908
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The XXXX Credit Bureau is reporting inaccurate information on COMENITY CAPITAL/HSN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Bureau is reporting inaccurate information on COMENITYBANK/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened a credit card account with Comenity Bank/Wayfair in XX/XX/XXXX. I am experiencing an issue getting a payment applied to my account balance, getting Comenity to acknowledge the payment, and Comenity 's failure to provide access to 24 months of statements as stated on their website. My payments are due on the XXXX of each month. On XX/XX/XXXX, a payment for XXXX 's bill was sent to Comenity bank in the amount of {$540.00}. They received it on XX/XX/XXXX. That payment, which was above the minimum payment amount, has not been credited to my balance as of XXXX XX/XX/XXXX. In order to avoid being late, I had to make an additional payment of {$67.00} on XX/XX/XXXX because Comenity Bank failed to credit my first payment. I have received conflicting statements from Comenity 's customer service representatives. Some believe it should have posted already while others state " it could take awhile ''. Meanwhile, Comenity bank is benefitting from charging me interest on the higher balance. Further, when viewing statements online, Comenity bank states that customers can view up to 24 months of statements online, however, they do not provide customers with the option to view statements prior to XXXX. Comenity bank has not provided access to XXXX statements.
Company Response:
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A