Date Received: 2023-09-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Bread Financial, formerly referred to as Comenity Bank or Comenity Capital Bank, closed my JCrew store credit card account without providing any advance notice either in writing or electronically via email. My account was fully up-to-date, with no outstanding payments due. Due to this, my credit score was negatively impacted, which adversely affected my financial standing. On XX/XX/2023, I contacted Customer Care at XXXX to seek assistance regarding the unexpected closure of my account. The bank 's automated system stated they were unable to reopen the account and immediately terminated the call.
Company Response:
State: TN
Zip: 381XX
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: 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: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
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: 33610
Submitted Via: Web
Date Sent: 2023-09-05
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: My credit report is still showing late payments on ACCOUNT/S. 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 customer service representative.XXXX XXXX
Company Response:
State: CA
Zip: 93560
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
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: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: They were charging me very high interests of almost 75 % for purchases in the store
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: COMENITYBANK/NY & CO Is reporting on my report two seperate times. Also though reporting closed has a balance updated every month. reporting as if account is mine and open.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The company is XXXX 's XXXX and the bank is Comenity For the past 3 months ( XXXX, XXXX and XXXX ) I attempted to pay via phone. The computer refused my checking account info and forced me to speak with a human at a cost of {$9.00} each call. I went to make a payment online. The site repeatedly refused my checking account. I finally had to resort to my husband 's account. Then it still would not accept the bank account. Only until I went through the process of setting up auto debit. Which we are against. We got defrauded before. This month ( XX/XX/XXXX ) the computer forced me to call for a human and guess what, the call center is closed and will not be open till XX/XX/XXXX. Which would mean another {$40.00} late fee for their problem computers. But remember it's never their fault, I am being cheated for a {$40.00} late fee. I am tired of being constantly told I am wrong. There are other problems. I was told by the computer that my statement is {$1600.00} Then I am told I have a balance of {$1700.00} I have the XXXX statement that reads {$1700.00} Why am I making payments, and nothing is going down? Furthermore, it is always my fault, and I have a monthly charge of {$40.00} late fee. No matter what I do. I am well aware of the bankruptcy going on. Why am I being forced to pay for their problems?
Company Response:
State: PA
Zip: 18505
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Paid account needs to be removed.
Company Response:
State: MO
Zip: 63052
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have a debt with Comenity Bank for a XXXX XXXX account related to prior dental work. I am currently past due with my payment and they call me repeatedly every day. Since XX/XX/XXXX, I've received the following calls from Comenity Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the day isn't over.
Company Response:
State: CO
Zip: 80127
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A