Date Received: 2023-09-15
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Comenity BankXXXX I owe $ XXXXcharged off XX/XX/2015
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
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: Comeity Bank is not honoring a valid identity theft claim on my account. They failed to do a full investigation meaning physical and digital. They deemed the account as belonging to me simply because the dentist office gave them my stole/fraudulent credentials meaning name address etc. No camera no evidence but they are saying I own the $ XXXX which is ridiculous I dont even live in nor near the area
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Comenity Bank/Express acct XXXX XXXX has violated my rights on XXXX XXXX 1 5 USC 1681 Section 602 states I have the right to privacy. 15USC 1981 Section 604A 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: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Comenity Bank/Ulta acct # XXXX has violated my rights on XXXX XXXX 15 USC 1681 Section 602 states I have the right to privacy. 15USC 1981 Section 604A 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: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Comenity Bank/forever21 acct # XXXX has violated my rights on Sept 2023 15 USC 1681 Section 602 states I have the right to privacy. 15USC 1981 Section 604A 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: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a XXXX store card held by Comenity Bank. I made a purchase online on XX/XX/2023 and used {$45.00} of credit card rewards to pay for my purchase. I then returned the item in store on XX/XX/XXXX ( receipt attached ) and the cashier processed the return and rang up the items I was buying in store. You can see on the receipt that the item cost {$60.00} and I was getting refunded {$15.00} with a line under that I used {$45.00} credit card rewards. The {$45.00} rewards was not processed on that receipt and nor was it returned to my credit card. I reached out to the company on XX/XX/XXXX stating that my {$45.00} in rewards was not credited back and was told it would be forwarded to the correct department. I did not hear back after XXXX weeks and reached out again on XX/XX/XXXX. They responded with something that had nothing to do with my question and then after another message exchange, I was told that a dispute was being opened for the missing {$45.00} ( message attached ). I never gave the okay or permission to open a dispute- which created a note on my credit reports. I believe this is illegal for them to act on my behalf for my credit. After many back and forth messages ( with some of my messages being completely ignored ), I was told on XX/XX/XXXX that {$45.00} in credit card rewards was added to my account on XX/XX/XXXX. I then went to my rewards section and did not see anything that supports this. Instead, I saw {$0.00} added on that date ( proof attached ). XXXX cents and XXXX dollars are XXXX very different things. I went back and forth again and they insisted the {$45.00} was credited back to me. They told me that they can open another dispute. In the middle of this, I have had XXXX {$10.00} rewards expire. Mainly because I have spent XXXX months trying to get my money back that they owe me! I went to use XXXX of the rewards on the day it was supposed to expire and it was not in my account to be used. I am not sure how something can expire on a day and not be available for use. This is false advertisement!
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts. I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible. Thank you for your prompt attention to this issue.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2023 and also prior dates Comenity Bank continues to call me multiple times with one day. I had explain to them that I recently had a family death ( my son passed away ) and that I am also gathering all my debts to fill bankruptcy. I told them to please stop calling me and that my lawyer will reach out to them soon. But, it seems to be they dont care. Here is their contact information : Comenity Bank contact # XXXX XXXX at XXXX ( XXXX ).
Company Response:
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment on XXXX for {$490.00} to New York and Company Comenity Bank and was told my payment declined. I requested proof from New York and Company Comenity Bank that the payment declined, and I was told I could not receive the proof. I kindly request that New York and Company Comenity Bank provide a complete and detailed accounting of the entire transaction, from its inception to the present. I am not interested in receiving bills, statements, or invoices alone. Instead, I require a comprehensive accounting to determine the honest party in this dispute. Furthermore, documentary evidence on this account would include documents, papers, correspondence, books of account, and financial and corporate records.
Company Response:
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I do not recognize this debt
Company Response:
State: VA
Zip: 239XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A