Date Received: 2023-09-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I've an account with XXXX XXXX XXXX Credit Card with Comenity Bank. I lost access to online account a month ago and I've been trying to contact their customer service to help me reset my password since the online reset doesn't work. Every time I call they want me to call after 24/48 hours later. The account was recently moved from XXXX XXXX XXXX to Comenity bank and I had 3 fraud transactions already in this account. I'm now worried and stressed out due to this. Please help me out. Thanks, XXXX XXXX
Company Response:
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received a response from Comenity Bank XXXX regarding CFPB Complaint # XXXX their letter appears under this complaint thread. They mention they committed no FRAUD when they violated my right to privacy when they failed to give me NOTICE that I have a right to opt out or opt into credit reporting and proceeded to illegally transport my NON PUBLIC PERSONAL INFORMATION without my consent or some form of instructions from me. They are using the word FRAUD to describe the situation. They seem to ignore the fact that my dispute is based solely upon their reporting this tradeline in the first place without giving me NOTICE or getting my permission, and now they refuse to remove the charge off information that they report The letter is dated XX/XX/2023. I suggest they read Title 15 USC 6802 The Gramm Leach Billey Act that they KNOW or should have KNOWN that they are violating and that their letter is proof that they do not care about the privacy of federally protected consumers like myself. This is a violation of my privacy and they failed to in anyway address the fact that I am disputing because they are the source reporting this charge off because I received no notice regarding my right to opt out or opt into credit reporting and gave them no PERMISSION to report this alledged tradeline in the first place. I plead with the CFPB to investigate your company if you don't remove this item immediately.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Billed due date XX/XX/XXXX I spoke with a representative. He waived the late fees, and I paid the bill in full. There after every month I was being charged XXXX fees and later applied a late fee. I called the customer service and asked why they are charging a late fee with a XXXX balance. The representative stated they can. The bank is also providing derogatory and inaccurate information on my credit report. I am sending few bills to show the fees that are being charged to my credit card.
Company Response:
State: OH
Zip: 45224
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX 's Credit Card I spent XXXX minutes today trying to get someone to talk to me and understand that I paid my bill on XXXX ( 3 days before the due date ). I had a confirmation code from my bank, which they never would listen to, and would never allow me the opportunity to send copies of when the bill was paid by XXXX. After calling XXXX different times only getting to speak with XXXX actual people it was taken care of. Here is the real issue. I received the bill yesterday, I went to my bank to pay it and the quickest it can arrive to Comenity is XXXX to the person I spoke with it took 10 days for them to process my last payment at Comenity once XXXX received it ( hence the late fee ). This is unacceptable by any standard, if the next payment arrives on the XXXX according to them it will still be late because they can't process it until the XXXX, which make XXXX the payment that's due on the XXXX LATE AGAIN. I am a stay at home mom who has XXXX minutes to fight to get my money back. Most people don't have this luxury. I am writing for all the other people they are scamming late fees and interest out of.
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Fraud call claims to be credit card company ( Comenity Bank ) but was not. The call was from number XXXX. They left an automated voice mail to call XXXX. I called and the person answering the phone says I am one payment past due by one payment of {$160.00} and to make a payment using a visa or mastercard. I noticed that the XXXX number was not the number to call on the back of my credit card so I called my credit card number and payment is not due until XX/XX/XXXX. I made no payment and told the caller that her number did not match the customer service number for the bank associated with the card on the back of the card. They also tried this same attempt last week.
Company Response:
State: FL
Zip: 34983
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account XXXX {$960.00} XXXX XX/XX/2XXXX Comenity Bank I called to verify this debt, I wasnt able to get any details from the collection agency. I called XXXX and learned the address and account number for this account & that is how I realized this was a fraudulent account opened in my name at an address I have never lived.
Company Response:
State: RI
Zip: 02886
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: There is a collection account on my credit report from XXXX XXXX which lists Comenity Bank as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX. Also provide me with the 1099 form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX data breach claim when I have already provided my claim number, then please contact the collection agency and have them remove this account due to inaccurate reporting.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: During XXXX I missed payments during a time that my grandmother was XXXX and needed my attention. I paid off all the late fees and was still charged interest afterwards and late fees until it accumulated to {$62.00} in the month of XXXX, payment as per my XXXX statement. I paid Commenity Bank through my checking account in XX/XX/XXXX as per my bank statement. I just checked my credit report and they are reporting that I missed that payment and owe them {$10.00}. I called their customer service and they rep says she can't do anything about it but to wait. They won't stop charging me and they are tanking my credit report which before this whole incident used to be in the high 700s. My concern is that no matter how many times I pay them, they will continue to report delinquency.
Company Response:
State: FL
Zip: 33803
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
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 COMENITYBANK/VICTORIA 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: 91607
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A