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 funding. Also provide me with the XXXX 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 XXXX 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 and the possibility of being taken to small claims court per violation of the FCRA and FDCPA regulations.
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: 2023-09-06
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2023 I received a corespodence from bread rewards credit card. Enclosed was a new credit card with a new account number and a new member Inception date. This card is apparently replacing the Comenity.net credit card on XX/XX/2023. I attempted to contact Bread rewards credit card customer service and was notified that the number would not be available to customers until XX/XX/XXXX. I then contacted the comenity.net credit card customer service. My concern and complaint is that due to no fault of my own this closure of the comenity.net credit card is going to have a negative impact upon my credit history as the comenity.net credit card is my longest standing credit card with several years of positive history. Additionally if I activate the new bread rewards card on XX/XX/XXXX it will reflect on my credit the new account and I will lose all of the positive history that I previously worked very hard for. I contacted comenity.net credit card customer service line three different times on XX/XX/2023 and received different conflicting information each time I spoke to a different customer service representative with these concerns. I then contacted cfpb and was advised that there are two options for the credit card company and them options being to close an account or to continue reporting an account, according to the law there is no gray area to continue to report the history as the credit card changes to a different account all together. On one call with comenity.net supervisor XXXX she advised me that there will be no impact to my credit score or history and that this transition from One credit card to the next is seamless with no impact to the consumers. This being decieving as there is not an option to report new account information on an old account history. There is zero mention of the potential impact to consumer credit as a result of this change, in the information bread rewards credit card sent in the mail. There is zero information on the comenity bank website about this matter either.
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
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: 33615
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This company has called me at least 7 times a day every day for the past few weeks. I work during the day and a lot of my work is done on my cell phone. The same phone they have been calling back to back to back. They even block their number and call me. Im only a month behind on a payment, them calling me non stop does not change my ability to many a payment. It actually makes it harder because its tying up my line having me miss work calls and stresses me out to the point Im not mentally motivated to work because they keep calling. I can screenshot my call log as proof. They have multiple numbers they call from. They called me on XXXX XXXX, on Sundays, on Saturdays. My daughter who is school, finance, and friends dont even call me that much. That has to stop!
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX Comenity BankXXXX XXXX XXXX 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 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: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit report, bcs I received an email about a new inquiry, when I checked this morning, I noticed several hard inquiries and other soft ones started that I did not authorize, so I called the first two banks, and they informed me that a credit card was in their institution, which means one for each bank ( XXXX and XXXX XXXX ), they informed me that they have cancelled the credit cards, and an investigation was going to be performed and that they will email me the findings, aka credit card fraud. XXXX ( XXXX ) provided me with the email address of the person who opened the CC in their bank, which is XXXX, and that is all she can provide me. The other bank, XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ), indicated that they can not provide me with any information of the person who opened the credit card using my ssn, etc. XXXX XXXX informed that the credit card this person opened already has a balance over $ XXXX, the other bank did not provide this info. I still have a list of other places, I need to call. I will be calling the other companies tomorrow, which are : ( 1 ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX Date of credit report inquiry : XX/XX/XXXX ( 2 ) XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX Date of credit report inquiry : XX/XX/XXXX ( 3 ) XXXX, XXXX XXXX XXXX XXXX, OH XXXX Date of credit card inquiry : XX/XX/XXXX ( 4 ) XXXXXXXX XXXX XXXX and XXXX XXXX Credit Card Services cancelled the credit cards, but I will continue monitoring my information regarding credit inquiries in the three cree bureaus. I already put a freeze in XXXX and complete the freeze for XXXX and XXXX tomorrow.
Company Response:
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023, I initiated a transfer of the remaining balance of {$1200.00} from my Ultimate Card to my BECU credit card. Subsequently, I was informed that Comenity Bank had received the check, as confirmed by my BECU bank representative, who provided me with proof of the cleared check, indicating that it was indeed cashed by Comenity Bank. However, to my surprise and dismay, my Comenity Bank statement continued to reflect the check as returned, and I was subsequently charged a check return payment fee and an additional interest fee of which I had no prior knowledge. Initially, I considered the possibility of an error on the check itself. Consequently, I promptly contacted my BECU bank representative, who diligently assisted me in verifying the status of the payment. The evidence provided clearly demonstrated that the check had been successfully cashed by Comenity Bank. Regrettably, despite the conclusive proof of payment, Comenity Bank has yet to reconcile the debt that I have already settled. Instead, I have continued to incur interest charges and fees, which persist to the present day.
Company Response:
State: WA
Zip: 98407
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Made purchases through XXXX store online. I pay all of my bills through my bank 's online Bill-Pay and have for at least a decade. When making a payment, my bank, XXXX XXXX determines when my payment will arrive and payments are made accordingly. I pay on average 30+ bills this way per month. I NEVER have an issue with my payments being late yet every single payment made to : ComenityXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX has been late ( according to them ) and fees plus interest have accrued. I called them numerous times and asked the " late '' fees and interest be removed a according to my bank, were not late. It appears, Comenity Bank is HOLDING my payment for 2-3 weeks before crediting my account. I've even had numerous other store credit cards through Comenity with no issues. I was told by their Customer Service IF I did not close my account they would remove late fees and interest. They did not. They continue to harass me. Payments were due the XXXX of the month and per my bank, were received by then. I'm certain it must be illegal to withhold payments to charge late fees/interest.
Company Response:
State: VA
Zip: 231XX
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: 2023-09-05
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: 33172
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Comenity Bank has violated the Fair Debt Collections Practice Act by calling my cellular telephone number XXXX more than seven ( 7 ) times within a seven day period. 12 CFR 1006.14- Harassing, oppressive, or abusive conduct, paragraph 14 ( b ) ( 2 ) ( i ) states that a debt collector can not call : ( A ) More than seven times within seven consecutive days ; nor ( B ) Within a period of seven consecutive days after having had a telephone conversation with the person in connection with the collection of such debt. The date of the telephone conversation is the first day of the seven-consecutive-day period. Comentity Bank called my XXXX which XXXX XXXX XXXX provided caller ID name detail on the following occasions : Tuesday XX/XX/2023 at XXXX ; Monday XX/XX/2023 ( XXXX XXXX XXXX XXXX ) at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ; Tuesday XX/XX/2023 at XXXX, XXXX, XXXX, XXXX. Comenity Bank called from the following phone numbers which were identified by XXXX XXXX XXXX Caller ID Name : XXXX, XXXX, XXXX. I have saved XXXX call logs and XXXX XXXX XXXX call records as evidence of the company 's abusive behavior. The frequency of the calls, four calls within one hour this morning, clearly demonstrate abusive behavior intended to harass and annoy me in clear violation of the federal law.
Company Response:
State: ID
Zip: 83709
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A