Date Received: 2023-10-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I applied for a XXXX credit card when I made a purchase for about {$210.00}. Comenity Bank called me repeatedly on different numbers and using " private numbers '' multiple times a day starting on XX/XX/XXXX ( that I'm aware of ). On XX/XX/XXXX, I received one call from XXXX ; one call from XXXX, and twice using a " Private number '' for a total of 4 times on one day. On XX/XX/XXXX, I was called three times using a private number and one time using XXXX. During one call from a private number, I told them to stop calling me after they identified themselves as Comenity Bank. On XX/XX/XXXX, I was called one time using XXXX and two times using a Private Number, one time using XXXX, and two times using XXXX. On XX/XX/XXXX I received three calls from that last number, and today I received two calls from a private number and one call from XXXX. I repeated my request to stop calling me. I felt unduly harassed.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am submitting a compliment again Comenity bank for unfair practicing and wrongful charging of fees of my account, when it was their system that was having the issue when I was trying to log into my online account while I was out of town. As I normally don't pay online because of the early cut off period to make an online payment, I normally go into the local store to make my payment so that I am not late. But on XX/XX/XXXX between XXXX XXXX my time I was not able to access my account online to make payment because it was giving me a system error, so when I got home I tried logging into my account and was able to successfully make the make at about XXXX am ( my time ) of the full balance {$55.00}. Now Comenity bank has charged me a late fee of {$28.00} and when calling them twice on XX/XX/XXXX, their customer services leadership and fail to remove the late fee from my account in which I always pays my bill on time and never late. Now Comentiy bank has this one-fee waiver policy for XXXX XXXX XXXX so they claim is every 18 months. So they refuse to waive the late fee because of the XX/XX/XXXX credit they gave me XXXX ago, which has been verified and stated at that time there was a widely spread known system issue with customers not being able to make payments and access their account and Comenity Bank acknowledged that and agreed to waive ALL customers late fees from that time frame. Customers should not be punished by your system failures nor should they be penalized. That issue that was happening in XXXX should not go against a customer one-time fee waiver policy that Comenity bank has in place and nor should customers be subject to fees charged to their account when your system was the reason for their late payment. I have did a formal complaint on XX/XX/XXXX Reference # XXXX and did not heard anything as I requested from this complaint. So After filing XXXX complaint Comenity bank is still denying my request for the late fee removal and is failing to address all the proper cause of this, stating that their online system was working and to known it was not, cause I could not login. So the going back and forward with me ( the customer ) stating their system was not working for me to login and Comenity stating it was will be an ongoing battle to be proven, as Comenity Bank is failing to note their one-time fee waiver policy along with providing me with all the finding of my online account login attempts that was actually made, because Comenity bank is showing that the last time I login as of XXXX was XXXX XXXX and that is not correct, which also proves that their system has an issue if they are stating that my last long in as of XXXX was XX/XX/XXXX. Comenity bank needs to abide by their policies, and their policy is to allow a one-time courtesy fee waiver every XXXX, not considering the widely known system issue back in XX/XX/XXXX, that was affecting numerous customers not being able to access their online account.
Company Response:
State: TX
Zip: 77040
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I knew I have paid off all credit balance with comenity bank since XXXX. Then recently in XXXX when I decided to look for apartments it popped up that I am owing us {$270.00}. After enquiries from XXXX they said that I was owing comnety bank us {$1.00} and they have charged me late payment, which has accumulated my bill to XXXX. I believe this is not true and they never contacted me and I have never changed my address and phone contact.
Company Response:
State: OH
Zip: 43231
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair credit reporting act this creditor has violated my rights : Under 15 U.S. Code1681, SECTION 602 It states I have the right to privacy Under 15 U.S. Code 1681, 604A, section 2 A consumer reporting agency CAN NOT FURNISH An account without my written instructions. Under 15 U.S.C, 166B Which states A creditor may not treat a payment on a credit card account, Under and open on a consumer plan as late, for any purpose. XXXX XXXX XXXX has made 11 reports of late payments On MY credit report. This is covered under the above cited statues. I request the removal of said reporting as it negatively impacts my credit standing.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
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/23 a credit card was opened fraudulently under my name at XXXX. I contacted Comenity Bank when I received the statement in the mail to dispute as fraud. At the time, they told me other credit accounts were attempted to be opened under my name but declined. They then opened an investigation. On XX/XX/23 I received a collections call from Comenity regarding this account. When I told them that I disputed this account as fraudulent, they told me their investigation came back inconclusive due to the locality of the transactions and so the charges were deemed collectible. The charges made were across the states of NJ and NY, all not by me. The card was maxed out within a week or XXXX and I was only made aware of the card ever being opened when I received the first statement in the mail. I do not agree with the findings of Comenity Bank 's investigation and maintain that this is a fraudulent account and I never opened a credit card or authorized purchases at XXXX in any of the localities per the investigation report. I have requested a copy of Comenity Bank 's investigation report and am waiting to receive it.
Company Response:
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have already provided you with documents and reasons for my complaint. You just contacted the CC company, sent them my complaint and they provided the same answer that I was told when I contacted them. You acted as a MAIL Carrier and not investigated anything about the reason why I complained to you. My email address at the time was XXXX but that email account is closed. I just provided the email address so you could find my previous complaint. Now I need to know whom should I contact about the unfair practice of this credit card company? I thought you would be the one but got disappointed. Please advise as soon as possible! Thank you! XXXX
Company Response:
State: MO
Zip: 65201
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the FAIR CREDIT REPORTING ACT, this creditor has violated my rights under 15USC1681 SEC 602 states I have the right to privacy. 15 USC 1681 SEC 604 A SEC 2 consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166B, a creditor may not treat a payment late on an open credit card account. XX/XX/2019 late fees were attached.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I did not recieved a validation letter within 5 days of my debt being sold which is required by Florida law.
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to submit a formal complaint against Comenity Bank, specifically in connection with its association with XXXX XXXX, for ongoing violations of the Fair Credit Reporting Act ( FCRA ). This complaint is based on the recent findings in my consumer credit reports from the credit reporting agencies XXXX, XXXX, and XXXX, which indicate that Comenity Bank 's information is being reported in a manner that blatantly contravenes FCRA regulations. The specific account in question is as follows : XXXX. XXXX XXXX Account # XXXX Despite having raised concerns in the past and having emphasized the importance of adhering to consumer rights and FCRA regulations, it is disheartening to note that Comenity Bank continues to report information in a manner that raises significant doubts about its compliance with the FCRA. The crux of my concerns lies in the classification of my line of credit with your institution as " utilization '' and the categorization of my payment history/status with your company as transactions on my consumer reports. I firmly believe, based on the relevant legal provisions, that Comenity Bank is unlawfully reporting this information on my consumer reports. I draw your attention to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), which explicitly states : " 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. '' The law clearly and unequivocally states that information related to transactions or experiences between the consumer ( myself ) and the person ( Comenity Bank ) making the report should not be included on consumer credit reports. Utilization represents an experience with the line of credit extended between the consumer ( myself ) and your company, and payment history or status inherently involves transactions between the consumer ( myself ) and the person ( Comenity Bank ) making the report. Therefore, both of these aspects should not be reported on my consumer credit reports. By reporting this information on all of my consumer reports, Comenity Bank appears to be in flagrant violation of the FCRA ( 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ). This not only jeopardizes the accuracy and fairness of my credit reports but also undermines the consumer rights and protections guaranteed under the FCRA. I hereby request that the Consumer Financial Protection Bureau conducts a thorough and comprehensive investigation into this matter and takes all necessary actions against Comenity Bank for its repeated and ongoing violations of the FCRA. My intention is to ensure that the FCRA regulations are upheld and that consumers like myself are afforded the protections and rights they are entitled to. Enclosed with this complaint, you will find copies of my consumer credit reports, highlighting the problematic information. Thank you for your prompt attention to this issue. I trust that your intervention will help rectify this situation and uphold the principles of fair and accurate credit reporting as mandated by the FCRA.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602 states, i have the right to privacy. 15 USC 1681 Section 604A, section 2 it also sates a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as Late, for any purpose.
Company Response:
State: WA
Zip: 99301
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A