Date Received: 2021-03-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The Comenity bank Wayfair credit card is reporting incorrect late payments on my credit bureau accounts. I have contacted them multiple times to resolve this and the payments are still showing incorrect. In XXXX of XXXX, they reported I had late payments on XX/XX/XXXX and XX/XX/XXXX. I reached out to them to correct this and they just moved the late payments to new dates. Currently, my reports show as follows : XXXX - XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - 30 days late XXXX - XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX - 30 days late XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - 30 days late As you can see these dates are all over the place and none of them are accurate. This account is closed and paid in full yet these false late payments are harming me and preventing me from getting approved for a home. I need help with having them remove these false lates from my credit reports asap.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX, and I am a XXXX XXXX woman. I live alone in XXXX XXXX, Idaho and survive on {$1000.00} a month in social security benefits. A friend helped me write this letter. On XX/XX/2020 I went to XXXX XXXX, located at XXXX XXXX XXXX XXXX , XXXX XXXX, ID XXXX, for a free examination and x-rays. By the time I left, they had charged me {$1600.00} for deep cleaning. I met with a front office employee of XXXX XXXX that day, but the conversation was confusing, rushed, and I felt pressured. She had me sign something that I did not understand, and only later discovered was a {$1400.00} loan from a company called Dental First Financing/Comenity. I have a mental condition that I take medication for ( which I disclosed on the XXXX Dental registration forms ) and I honestly did not realize what I was signing until I started receiving bills. If I knew my free visit was going to end up costing me over {$1600.00}, I never would have gone there. Under no circumstances would I have knowingly taken out a loan like this when I am barely making ends meet! Since late XX/XX/2020, I have tried several times to resolve this on my own by speaking to the office manager of XXXX XXXX, a woman named XXXX. I also disputed the bill with the finance company, but they still say I owe them money. I do not believe I should owe them anything because I did not know what I was signing. My XXXX, and the high-pressure environment at XXXX XXXX, made it impossible for me to understand what I got pushed into. I called the finance company again just recently and they wanted to charge me {$9.00} to speak to a higher up representative to get this resolved. This was so upsetting, I hung up on them. The emotional harm this experience has caused me is beyond words. I cry every time I think or speak of it. I feel like XXXX XXXX exploited me as an elder, violated my rights under the American with Disabilities Act, and failed to follow lending laws by not clearly informing me of what I was signing. I can not afford a lawyer and am asking that you please help me hold these people accountable. Thank you so much for your time and efforts on my behalf.
Company Response:
State: ID
Zip: 83814
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Comenity bank, branded as XXXX ( travel booking website ) upon consumer request was instructed to close a consumer account on XX/XX/XXXX. In fact, the account was not closed which allowed fraud to be perpetuated on XX/XX/XXXX and Comenity capitalized on that fraud through the imposition of late charges and interest fees. Upon consumer remediation efforts, Comenity was unable to explain how a closed account was permitted to be used for charges a month after the account was to be closed.
Company Response:
State: CO
Zip: 80112
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I opened a Wayfair Credit Card which is held by Comenity Bank. Upon opening the card I called and asked if the statements that I received would reflect the minimum monthly payments to pay the account off within the 0 % interest time frame. During that call I was told that they would. Today I opened my statement from Comenity Bank and there are {$500.00}. I called Comenity Bank and there is not 1 of the 5 people that I spoke to that A ) Explained the charges in the same fashion or B ) Were able to explain the charges at all and the fairness in which they were charged. I was referred to as a child, I was challenged to think like a consumer and be responsible and above all not given factual proof of said charges. I 100 % agree with the ability to profit on consumers, I do not agree with deception and unfair predatory treatment. When asked about their offerings for hardship during the pandemic I was advised to call after my due date without making a payment which would then incur a late fee? I was able to understand that Comenity opened 3 different promotional accounts under 1 main account and applied payments at their discretion instead of in the best fashion for the consumer.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I can only go back on my statement to XX/XX/XXXX through date. I spoke to a representative of XXXX XXXX on XX/XX/XXXX and the manager was only able to credit me 6 months back. I never signed up for this and it was discovered by my wife as she has taken over paying the bills. This is complete fraud, I never signed up for such a service. They tell me I have been paying this since XX/XX/XXXX. I want a full refund or I am going to continue to pursue this matter. I can not believe these people can get away with this. I am trying to resolve this matter before I retain an attorney.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. COMENITYCAPITALXX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX
Company Response:
State: IL
Zip: 60491
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Comenity Bank has attempted to pull my credit report on two occasions when I have purchased clothing from XXXX ( XX/XX/21 ) and XXXX to XXXX XX/XX/21. I did not apply for their card and I did not consent to them attempting to pull my credit. Nor do I have any lines of credit with them. This is fraudulent.
Company Response:
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I received a phone call from " XXXX from Comenity Bank '' ( number XXXX ) trying to recover a debt from my sister ( whom I do not live with nor have ever had shared financial accounts with ). This was extremely inappropriate and I believe illegal.
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have an XXXX XXXX XXXX credit card that is issued by Comenity. I received an alert from XXXX XXXX that the credit limit on one of my accounts was reduced. I had not been notified by anyone so I was not sure. I had to log into XXXX XXXX to find out which account it was. Once in XXXX XXXX I found out it was the XXXX XXXX Store card. I called customer service to find out why the credit limit was reduced and the representative could not tell me. Worried about how their change would effect my score and I wish to purchase home, I asked for it to be increased but then I cancelled the request all in the same call because I did not want them to pull my credit and I plan to close the card. I received an email from Comenity stating my request to increase my balance was denied due to information they received from credit reporting agencies. My score has gone up since I got this card and I never agreed to random credit inquires so I asked that that information was and the source of the information. I was told to call customer service. I called customer service again today. Speaking to someone is not even an option. When I finally did get someone he said he could not help me and transferred me where I was asked all my information again and the call was disconnected. This is the email I received : Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- your credit limit was reduced to a total of {$250.00} based on information provided to our Bank by the credit reporting agencies. This is what I read in the last message. What information provided by credit reporting agencies? Are you all running my credit on a regular basis? How are you getting this information? Was my credit run with the last request to increase? I CANCELED THE REQUEST FOR AN INCREASE I TOLD HER I DID NOT WANT THE INCREASE. I WAS LEFT ON HOLD AND I HAD TO GO BACK TO WORK.
Company Response:
State: TX
Zip: 77471
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Comenity Bank/Lane Bryant has violated all of my federally protected consumer credit rights. They closed my credit card account fraudulently, and without warning, or explanation. They fraudulently pulled my credit reports without my consent. I have been denied credit cards, and loans, due to them closing my account, and fraudulently putting inaccurate credit information on my credit reports. Pursuant to 15 USC 1692d, Comenity Bank/Lane Bryant has tarnished and abused my reputation with their fraudulent consumer reporting tactics. On XX/XX/2021 I sent them my Invoice for violations, Cease and Desist, Affidavit of Truth, and Exhibits via certified mail. They are attached in this complaint. I am currently waiting for their response/resolution.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A