Date Received: 2023-09-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Balance has been paid off but still shows on my credit report
Company Response:
State: WI
Zip: 53216
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account ending in XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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: FL
Zip: 33563
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: I received a call from XXXX claiming they were from an attorney 's office and they were calling to collect a debt from a Victoria Secret account that was opened. I currently do not owe or own a Victoria Secret account, so clearly this was an attempt for scam and/or fraud.
Company Response:
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
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: XX/XX/XXXX, Approximately {$270.00} was the original charge, Ulta Beauty XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX I am disputing this charge because of the following situation. Both because of the terrible service I received from Ulta Beauty AND Comenity Bank servicing this line of credit. I had my original appointment for cut and balayage color on Friday at XXXX. The appointment lasted 5 hours and I left with a color far different than what I requested and lines where the dyed edges zigzagged jagged all around my head, not like a balayage I have ever had or what I asked for, nor did she give me the cut I asked for, she actually refused to. I came back the next day, Saturday XX/XX/XXXX at XXXX to see the same hair stylist to give her the opportunity to fix it. I was there for another 4 hours. She straightened the dyed edge lines, but at that point I had a diagonal line edge around my head, instead of a blend down the way a balayage is supposed to go and the color was still not the right color. After a few days, I came back into the store and spoke with the manager there to request my money back. She convinced me to try another fix with a master stylist form another store. I dont have the date of that appointment in my calender, but I went in for another XXXX hours about a week later with a different stylist and after working with my hair and trying a few things, she said that the previous stylist had damaged my hair so that it would no longer hold color and she would not be able to get it to the red that I wanted ( what I always have done ). She got the balayage blended although it had to be higher than I wanted it, but at least that was better. Finally, in a day or two, I received a call from a master stylist specializing in red hair from another Ulta store who said that she would be able to get the red that I wanted back into my hair despite what the last stylist said and what the first stylist had done. So, on XX/XX/XXXX at XXXX, I met with XXXX at a store far from where I live for a 3 hour appointment to try to get the color right. She was able to get the color closer to what I wanted, but not exactly. And about 2 weeks after the appointment, the color had faded almost to blond, because my hair could not hold the color, and still has not been able to hold any color since then when I try to have it dyed, so my long hair has been ruined. So, I wasted a total of 15 hours of my time and {$80.00} in tips to the stylists at this point for their time and effort, for my hair to be left ruined. After I was tired of trying to reconcile this with Ulta, I decided just to pay the charge because I didnt want to deal with it anymore, but I knew after all those tips, I would have to make payments on the balance, so I waited for my statements, which never came from Comenity. So I downloaded the app to pay there ( I had an Ulta card in the past and was able to make payment to my card through the app in the past ), but because I didnt have a card and never got a statement, I didnt know my account number, so I couldnt log into the app. After about 3 months, I finally got a call from Comenity Bank and was able to request a new card so I could have my full account number and use the app to pay ( and made a payment by phone at that time ). I was not made aware that I had already started accruing late fees. Once my card arrived, I still was not able to log into the app or online because they had changed my account number and sent me a card with the wrong account number on it and when I called to get help, no one could assist me, they told me that I could continue to pay when I received the monthly calls from Comenity, so I continued to do that for several months, not realizing that I was only getting calls from Comenity AFTER my payments were already late and I had already been charged a late fee. In XXXX, when I got my call and asked how much I had left because I figured I should only have had about {$50.00} left to pay and I was going to pay it off, they told me my balance was {$380.00}, and I was dumbfounded. When I learned that I had been charged late fees of {$40.00} every single month for several months and knowing that I have already paid for more than my service was worth, the Comenity representative encouraged me to file a dispute for the entire charge. She said I have to dispute this charge, because the representative said she would not be able to reverse all of the late fees. And what a surprise it was to hear that I COULD NOT pay over that app after all of these months talking to people on the phone trying to get help logging in so that I could pay and NO ONE had told me this before then. There is absolutely no way that I will be paying {$380.00} more for a service that I never should have paid for in the first place. Especially not to a bank that has provided such awful customer service. After the first dispute, I received no correspondence from Comenity Bank until a couple of months later when I got a call to collect payment again. That representative told me that the dispute had been closed because they did not get information they requested from me. I never received any request of information from them. This representative filed a new dispute for me over the phone, and told me I will get follow up emails in this regard. I never received these emails and after about a month, started receiving late payment calls again. The next representative told me that they could not file disputes for me over the phone ( even thought the last representative did ). I also found out during a later call with my XXXX XXXX financial advisor on the call, that all correspondence was going to my messages online, at the account which I never registered because it required an account number which I only had the incorrect number. They told me they were expediting to me a new card so that I can log in online to see the messages regarding the information they needed to file the dispute. I just found out from XXXX today XX/XX/XXXX that they never sent me a card because they were not allowed to do so because my account was too far past due. XXXX is now telling me that I must pay {$100.00} to get my card current in order to be able to receive an actual card in the mail so that I can log in and file a dispute. I will not pay them more money than I owe. Now they are just telling me that they are noting I am refusing to pay them so they can further dock my credit. My credit score went from XXXX to XXXX and all of my other creditors lowered my limits, thus increasing my payments which is not throwing me into financial hardship. I need to file a complaint against Comenity Bank for allowing my balance to skyrocket without notifying me, giving me no recourse to make on time payments, like I usually do, providing terrible miscommunication and no help over these last 10 months, in fact making this situation ten times worse.
Company Response:
State: MI
Zip: 48326
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I have a credit card with Comenity Bank ( XXXX ) that I have had for many years. The credit limit is over XXXX ; however, I paid it off and have not used it in years. To that end, I received a msg from my XXXX bank that I had a 30 day late on my CC so I called Comenity to see if there was a fraud situation, because I do not use that card. They said no your O Rewards auto charged for {$19.00}. I explained to them that I opted out of that program and not sure why this keeps hitting. They then looked at the notes and took the charge off and said I was right. I was told the mark would be removed automatically however now been told O Rewards and Commenity do not communicate and even though O Rewards removed the charge for their mistake this was never communicated to Comenity, thus bad marks ( twice ) on my credit. The same issue happened again and I again got on the phone for over an hour but was basically chasing my tail and could not receive any help or customer service. They dont even have an email I can submit a complaint to. I am pleading to have the bad marks off my credit as I am a business owner and can not have two late charges like this. I can be reached XXXX. Thank you for reviewing this matter.
Company Response:
State: CA
Zip: 92596
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This account and inquiry are not mine they was made without my permission, consent. Inquiry and account Comenity Bank / Victorias Secret Account. Opened : XX/XX/2023 Inquiry : XXXX XXXX is and are fraudulent and according to The Court FCRA this account violated my rights in many ways this account is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately thank you.
Company Response:
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
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: In XXXX or XXXX I got an alert from XXXX XXXX that I owed {$6500.00} to Comenity Bank. I called to see what happened thats when I was told a credit card in my name for XXXX was opened and charged for a XXXX. I have never received any cosmetic procedure other than a XXXX XXXX in XXXX that my insurance covered medically, and a XXXX XXXX XXXX XXXX in XXXX of XXXX that I paid for in full. I have been disputing this account every since I gained knowledge of it being opened. They didnt have my correct address on file, someone used an OLD ID of mine that was stolen and I provided a police report to confirm everything! I have never been to XXXX. I am a XXXX XXXX of XXXX, unemployed, and could never afford a {$6500.00} XXXX! I can submit photos of my body XXXX to futher show proof! Please remove this out of my name! I have been fighting to get this removed for years! I only have 3 credit cards under comenity!! Victoria Secret, XXXX, and Childrens Place and I pay those faithfully every month even with applying for hardship I still make the payments! You can compare my ID to the one the company sent it doesnt match!!! You all didnt have my correct information until I called to provide it so that further states my claim of this isnt me who did this!!!
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
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: In XXXX of XXXX I got a loan from XXXX XXXX to consolidate some credit cards, one of those credit cards being Comenity Bank/Bread financial . XXXX XXXX has record that Comenity Bank/Bread financial 's payment was paid in full, processed and cleared on XX/XX/2023. CB/BF states they have not received payment. A XXXX XXXX representative and I spoke to a Manager named XXXX at Comenity Bank/ Bread financial on Friday to try to locate the payment. One of the managers we spoke with before XXXX stated that the dispute and billing department do not accept in bound calls and stated that the dispute I had opened in XXXX had been closed ; even though the dispute has not been resolved. XXXX stated they needed a transmittal number and an ACH information form, which I sent Friday. I have called CB/BF and spoke with at least 3 managers over the last several months and have explained how the payment was made via secure messages on their website, and this was the first time this information had been requested. I also recieved correspondence requiring my account that had incorrect information in it. CB/BF has informed me they have closed the dispute without resolving the lost payment issue, they are charging me late fees and interest. They were paid XXXX and that payment was processed and cleared on XX/XX/2023. I am paying my loan to XXXX for this account and since CB/BF can not locate the payment, which is not the fault of myself, they want me to start paying payment to them even though.the dispute regarding payment has not been resolved. I have been fighting with them since XXXX of this year on this matter. XXXX suspects that the payment went onto someone else 's account, even though it was through an electronic payment with all of the credit card information on it. I feel as though someone at CB/BF has found a way to steal from their customers.
Company Response:
State: AR
Zip: 72762
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Hi Sir/Mam, Back in XXXX of this year, while shopping at XXXX, XXXX was being informed about a deal/offer that I would receive that would allow me to get a discount on my purchase. The way this was communicated to me, my understanding was that I was going to be opening up a store-specific card ( not a credit card ) something that stores like XXXX XXXX XXXX etc provide. So as a customer I feel extremely deceived since there was miscommunication/false advertising on the store 's front to lure me into opening an account that I wasn't even aware of. On top of that, I never received a physical card, something which I wasn't even actively tracking down since I had no idea that this 'credit card ' account was set up in the first place. I'm someone who takes pride in my credit score and has never had an account that was not in good standing. So, I was taken aback and sat in utter disbelief when I checked my credit score recently and realized that my sXXXX card has gone delinquent without my knowledge. This has really taken a toll on me ( and my XXXX XXXX ) since in this country, your credit score is everything! I'm someone who's had had a credit score of XXXX for the longest time and now for that to be taken away for something that I wasn't even aware of is extremely malicious and unfair. Upon this realization, I called Comenity and asked why I haven't received my physical credit card and they said they have sent one but then why have I not received it? I also went above and beyond and made a full payment of the amount ( and some interest ) that I owed on the credit card ( that I had no idea I had ) because I don't want my credit score to take another hit while I investigate and escalate this matter further. But to my surprise, they didn't even send me an email confirmation of the payment when I asked them several times to do so ( according to them, that's just not possible!! ). I just don't understand this behavior!! First of all, I was deceived as a customer and then I still went ahead and took ownership of whatever I could and paid the amount in full and there's still no email confirmation from their end! I'm just really frustrated because I would never not pay my card, that's something against my ethics and I'm financially capable to be able to pay off my cards. But because this was something that was set forth in the pretense of fall advertising, I wasn't aware of the existence of this credit card. Overall, I just don't think it's fair for my credit score to take such a major hit without my fault. I would sincerely appreciate any help I can get to get this addressed appropriately and disputed off of my credit history. I have noticed in other comments/reviews by other consumers that XXXX has a track record of doing this so looks like this is a broader problem and should be addressed as such so other consumers don't get impacted by similar issues! Please refer to the links below ( I have also attached some screenshots of similar complaints from other customers ). https : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX? XXXX Thanks in advance for looking into this matter. Your help is truly appreciated! Sincerely, XXXX XXXX ( Married name ) XXXX XXXX ( Maiden name )
Company Response:
State: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
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 had nothing but problems with payment on your account, the issue appearing to be on your end. The last 3 times I have paid my bill in full through my XXXX XXXX bill pay, you call me stating you did not receive payment. Then I get bills showing two payments received and one returned. The last time this happened, I closed the account. My phone log indicates I called you at XXXX XXXX on XX/XX/XXXXXXXX for the first issue ; at XXXX XXXX. on XX/XX/XXXXXXXX for the second, and this last purchase indicates calls from me to you on XXXX, XX/XX/XXXX, at XXXX XXXX., follow up calls on Tuesday, XX/XX/XXXX, at XXXX XXXX, XX/XX/XXXX at XXXX XXXX., and today, XX/XX/XXXX at XXXX XXXX. Name : XXXX XXXX XXXX Account # : XXXX Dollar Amount : {$62.00} Description of Problem : This last purchase, I received the bill for {$220.00} and processed the payment through my XXXX XXXX bill pay with payment being mailed XX/XX/XXXX. I received a call XX/XX/XXXXXXXX stating payment had not been received. I was moving that day and did not have access to my info. I called back on XX/XX/XXXXXXXX and made a payment by phone for {$220.00} and I called the bank to stop payment ( however, it had cleared the bank ). I then received my bill ending XX/XX/XXXXXXXX indicating my original payment was posted by you on XX/XX/XXXXXXXX and charging me a {$30.00} late fee. I called XX/XX/XXXXXXXX contesting this late fee. However, I was told that I had a credit of {$190.00}. I requested a refund of that credit and was told it would happen within a 30-day period. I then received my statement ending XXXX XX/XX/XXXXXXXX indicating payment of {$220.00} received XX/XX/XXXX, and returned payment of {$220.00} on the same XX/XX/XXXX. The statement then indicates a returned check charge dated XX/XX/XXXX and a minimum interest charge of {$2.00}. There should be no charge as I was advised on XX/XX/XXXXXXXX that I had a credit of {$190.00}. Therefore, there is no interest to be charged. And the fact that you hit me up, yet again, for a duplicate payment by phone, and then have to refund it should not cost me anything. I contest these charges. I requested you to close the account in XXXX because of the shenanigans with the processing of payments. Please reverse all charges for returned payment and late fees as they are not due to my lack of response, but rather your mishandling or inability to timely process payments. I further demand that all negative reporting to credit unions be removed
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A