Date Received: 2022-10-21
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have several store cards and one general credit card with Comenity Bank ( now Bread XXXX ). I have paid them all on time and some in full or down substantially over the last few months. Comenity has not reported any of my on time payments nor the correct balances since XX/XX/2022. All of this would be impactful to my credit score as I am looking to buy a house relatively soon. I would like them to accurately reflect my payment history and balances. I called to get a balance letter for one of my accounts and they told me ( as they have others ) they have had system issues. I can understand a one month issue maybe two but now we are heading into XXXX which would make this the 4th or 5th month with inaccurate reporting. It is unacceptable and they need to do better.
Company Response:
State: MN
Zip: 55411
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/22, while checking my account online, I discovered 8 charges on my BJs Perks Mastercard that I did not make. I immediately called the number on my card ( XXXX ) XXXX ) to report the charges and was on hold for over 20 minutes and never spoke with a customer service representative. I also contacted them through the secure message center, explained the problem and uploaded an attachment of the 8 unauthorized charges. I received a form letter response asking me their " Account Protection team '' by phone at XXXX. I have called both numbers at multiple times since and each time was on very lengthy holds without ever speaking to a person. I sent another message through the online message system, letting them know I tried to call many times but could not talk with anyone to resolve the issue, and provided my phone number for them to call me. I got the same form letter response asking me their " Account Protection team '' by phone at XXXX. Again, I've made multiple attempts to contact them with no answer. The 8 charges were all made on XX/XX/22 All appear on statement as " My Bj 'S Perks XXXX XXXX XXXX, FL '' Amounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not make these charges. I have uploaded a screen shot of these charges on my account. I am extremely frustrated by the non-existent customer service for this credit card ( issued by Comenity Bank ) and at a loss for how to resolve this. My account is in good standing and I pay it off each month. I am worried this will affect my credit score. I was able to lock the cards on the account. I want to have these charges removed and close my account ASAP. I have uploaded attachments of my correspondence within their messaging system. Thank you very much for your help and attention to this matter. XXXX XXXX
Company Response:
State: FL
Zip: 32901
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a letter dated XX/XX/2022 from Comenity Capital Bank in XXXX, Ohio denying my credit application. The letter stated the reason as not being able to verify my SS # but the XXXX XXXX provided is correct so someone actually checked. I did not apply for any card with this company. I had not even heard of them and XXXX it to find out who they are. I tried several times to contact this bank to correct and inquire about this. Three times I could not get past the voice prompt. On the fourth call a woman said she was directing me to the fraud department. I was on hold for XXXX minutes and XXXX seconds and the call disconnected.
Company Response:
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Comenity Bank overseeing the XXXX XXXX XXXX credit card accounts : They have not reported our balances since XX/XX/XXXX of 2022. We have been on the phone with them countless times trying to restore a previous interest rate, the accounts are all closed aside from balance payment options. We need them to still report these accounts with balances as we are working on our credit scores and this is keeping a high balance on there and hindering our scores from showing accurate information.
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This company started a scheduled maintenance in XXXX of 2022 and since then I have been unable to access my account online. It gives an error message and does not allow me to pay. I have to call customer service to make a payment, which hold times are over 3 hours usually and the rep adds a {$9.00} charge everytime I make a payment over the phone even though are no alternatives! They have marked my account late over and over again even though the agent on the phone always tells me to call when the outages have cleared up to get a waiver for those lates I am stuck with this item on my credit with no options while they charge me late fees, over the phone convenience fees, and lock my online account so I can't even check the status. They call over 15 times a day when they are in need of payment but during business hours even though I told them I can not answer while working but then their call center is closed when I get off work. after doing online research i see that there are MANY account holders experiencing issues with this company and it feels like a scam. I ALSO WAS SUPPOSED TO GET A {$1000.00} REFUND ISSUED TO MY CARD, THE DENTIST SHOWED ME WHERE THEY DID THE REVERSAL BUT THE CREDIT NEVER SHOWED. I am really frustrated and tired of chasing these people down just so that they'll take more of my money. I honestly feel uncomfortable continuing to hold an account with them.
Company Response:
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a store credit credit card with XXXX issued by Comenity Bank, I have just realized that since XX/XX/2022 they have failed to report my account to the 3 reporting agencies. My account has shown since XXXX of carrying a balance of {$460.00} giving me a 91 % utilization rate on this account when I am at a {$0.00} balance, this has affected my score. I have contacted the issuer with no assistance provided.
Company Response:
State: AZ
Zip: 85335
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had a XXXX XXXX credit card managed by XXXX XXXX XXXX for XXXX years without a problem. The management of this XXXX XXXX card was transferred over to Comenity Bank around XX/XX/2022. My last payment of {$3200.00} was paid electronically to XXXX XXXX XXXX on XX/XX/2022. Comenity Bank is saying they received the balance of {$3200.00} but not the payment. I have created a dispute with XXXX 's customer service department and give them proof on my payment from my XXXX XXXX. After 5 months of " back and fourth '' Comenity canceled my dispute because of " invalid documents and a letter was sent requesting for front and back copy of cashed check or electronic transmitted form to proceed with dispute. '' In this communication they also added. " To protect your rights under the Fair Credit Billing Act, we need to receive your dispute in writing within XXXX calendar days of the date on your first billing statement that contains the disputed transaction. '' It now appears like Comenity has been stinging me along for the past 5 months. After multiple phone calls, being hung up on, transferred to different departments, force to communicate on-line which takes them weeks to respond, I am now turn over to collections. Please help.
Company Response:
State: MI
Zip: 48042
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a remaining balance of $ XXXX {$40.00} for my Victorias Secret credit card, I went in store to pay the balance and close my account. The stores data base happened to be down and I was told my payment would be reflected once up and running. Since the data base was down I also did not receive any form of RECIPT or documentation stating I closed the account. Unfortunately, my payment was never reflected and I am now getting serial notifications about an account I already closed. This is negatively effecting my credit report and prohibiting me from credit eligibility. This needs to be resolved as soon as possible and if I continue to wait for disputes that take 30+ days my credit will continue to be negatively impacted.
Company Response:
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XXXX from Legal Administrations called me from XXXX ext XXXX. Stating that she was calling from a Law Attorney office and needed to verify my address and my social security number because she needed to serve me documentation. She also stated that the law office would be filing a judgement against me to start garnish my wages from my employer if I didn't settle this debt immediately. I've told her countless of times that I've never been contacted about this before. They contacted my aunt originally and NOT myself. my aunt gave me their number to call back to see what this was about. I've asked for Documentation from proof of this debt she said there wasn't much information that she could provide me because the case was sealed and that all she could see was that it was coming from the XXXX XXXX XXXX. I've asked if i could dispute this because I've never had a debt with Lane Bryant. Apparently this is who i own money to but she said it was to late to be disputed. I mentioned to her that I dont see this on my XXXX XXXXXXXX and she told me that XXXX XXXX is a fraudulent website the doesn't necessary show all of our debts and that's why I haven't been able to see that I owe this debt. I told her i wouldn't make payment until i received proof of this debt but i still haven't received anything.
Company Response:
State: CA
Zip: 95361
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I ordered clothes from a company in XX/XX/2022, I never received the package.The company finished their investigation and found I should pay for the package because it was tracked to my address, I .never saw the package. I think the carrier delivered the package to my house, left it in front of my door without a response from me and someone walked away with it. I am not responsible for the debt of a package I did not receive. The company threaten to send to collection and credit agency
Company Response:
State: CA
Zip: 94124
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A