Date Received: 2023-09-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I was called repeatedly about a late payment. I was called at XXXX, XXXX, and XXXX. No message was left on any of the calls. The payment was already made this morning. They stated I can only stop the excessive calls by requesting to be added to the do not call list. If I forget to make a payment I definitely would like to be informed but the only option is repeated calls or do not call at all.
Company Response:
State: WI
Zip: 547XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am refilling this complaint to XXXX for XXXX fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Company Response:
State: GA
Zip: XXXXX
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I purchased a product for {$22.00} on XXXX on XX/XX/, purchased through XXXX credit card. I returned all the items on XX/XX/. Return credit was posted as only {$22.00} even though it should be {$22.00}. Now for the balance of {$0.00}, they added a late fee of {$22.00} and interest charge of {$2.00}. Attaching statements for the XX/XX/XXXX and XX/XX/.
Company Response:
State: CT
Zip: 06042
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: The complaint is against the company Comenity Bank/ Breadfinacal Overstock store credit card. I received an email that the account was past due. I tried to look up the history of auditing the Overstock account but was unsuccessful in gaining internet access and customer service to help gain information. I paid the card off. I was unable to gain online access and can not access the account to view the problem and resolve the issue. I do not believe I owe Overstock. I returned a light, but the return was never credited to the credit account but transverse to an in-store gift card to use on purchases that I did not authorize. The merchandise return should have been credited to the credit account, so now I am stuck with a card I do not need, XXXX, nor authorized. I paid Overstock on XX/XX/2023 not to acquire if I own interest. I paid XXXX, but I spoke to customer service. I will not pay another dime until I can audit and match transactions charged to the account. I request online access, a billing statement, and a re-issuance of the card to obtain the account number for online access. Problem : I need an account number to access the account and forgot the password. I have a username, but the system does not recognize to gain internet access using the reset password.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-09
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: In accordance with the fair credit Reporting act XXXX account # 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 an account without my written instructions. 15 USC 16666B : 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: TX
Zip: 75126
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is showing late payments to Comenity Bank/Expres XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Comenity Bank 's customer service representative.
Company Response:
State: CA
Zip: 92201
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: 2023-09-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of ID theft starting around 2018 and I found out earlier this year. There are several accounts listed a comenity including an express next card, XXXX XXXX XXXX as well as a victoria 's secret card that I did not open. I have a police report stating so and that is all I am required to provide them by law.
Company Response:
State: AZ
Zip: 85704
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a credit card with Comenity bank, also known as XXXX XXXX. I setup autopay on my account on XX/XX/2023 to make sure that the statement balance is paid by the due date and I do not have to pay finance charges/late fee. My due date was on XX/XX/2023 but the issuer bank did not transfer money from my bank account. Their representative called me on XX/XX/2023 that I have an unpaid balance and if I would like to pay it. When I asked why the money has not been debited from my bank account despite setting up Autopay well in advance of the due date, I was told that the autopay is effective only after XXXX billing cycles and I am responsible for making the payments myself till it takes effect. When I checked, I found that I have been charged interest charges of {$31.00}. I sent them an email asking for reverting the charges back, I was given the same response, i.e., the autopay takes effect only after XXXX billing cycle and the finance charges are correct and can not be reversed. I sent another email protesting that it is not my fault that your bank takes so much time setting up autopay, and I should have been informed before the due date that though there is an autopay, the payment will not take effect, but the bank rep is sticking to their argument. These charges are wrong and should be reversed.
Company Response:
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: There are 3 problems. First this company has made accessing accounts online difficult. The reason for this that comenity Bank only has a single domain name. Ie. D.comenity.com/ whatever lineofcredit. This compromises the clients online security by forcing an individual to memorize their user name and password, keeping all comenity usernames and passwords the same ( very comprising ), or by having previous knowledge of this problem and choosing different user names that include the channel of credit ( ie. XXXX XXXX XXXX ) .password keeping apps that are encrypted and safe to use do not recognize diffrent channels of credit because the domain name is the same for all channels of credit regardless of any sublocations ( XXXX XXXX ) If there is any additional noise in the background you are unable to use the phone system to make a payment. They have been made aware of this issue through several of my phone calls ( after finally getting to a person, not being hung up on ) The second issue is that their payment systems have not been able to be accessed to make a payment at all multiple times throughout this year. Either being unable to log into any accounts all together or just unable to load any navigation beyond the landing screen. There was even a notice that was sent out that they would be making their payment processing system available as soon as possible without giving any leeway for lateness. I believe from the time that I noticed, there was going to be no account access for payment processing and the time the issue was remedied for about month, it was 2 weeks. Comenity then discontinued business with floor and decor as of XXXX XXXX. They added charges to my account that converted it revolving account and closed my account. They told me that even though I'm an authorized user on the card I was not allowed to speak with them about the account. I was told by 2 associates that I instead needed to call synchrony bank ( which was incorrect ).
Company Response:
State: NE
Zip: 68803
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In reviewing the company 's final previous response, it was mentioned an account was closed in 2015. The current account ends in XXXX. Previously, this current account was not closed in 2015. Sincerely, XXXX XXXX XXXX
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A