Date Received: 2022-05-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I DO NOT HAVETHIS CREDIT CARD AND I DON'T EVEN KNOW WHAT KIND OF CREDIT CARD IT IS. i HAVE NEVER HAD THIS CARD. I RECEIVED THIS LETTER XXXX XXXX. from Comenity Bank. This letter was sent to my relatives address ( XXXX XXXX XXXX, XXXX MA XXXX ) with my name. It states that my account # for my XXXX card has changed and my old account # will not work after XXXX. It states " Here is your new account # XXXX You can start paying your bill with this new account # right away '' Today, XX/XX/2022, I called the phone # XXXX. I told the woman on the phone that I do not have this credit card and NEVER had this credit card and to please remove me as I do not have an account. She asked for my Social Security # and my Date of Birth. I told her I was not comfortable giving out that information. I gave her My name and the account # they gave to me. She demanded my Social Security # and Date of Birth again. I told her they shouldn't need it because here is my name and account #. She became irate and told me she was ending the call. She continued to ask for my SS # and D.O.B. I told her I will report to the XXXX. she hung up. I have filed a complaint today with the XXXX XXXX XXXX
Company Response:
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX LETTER OF INTENT Re : Comenity Bank COMENITY bank is a waste! I opted to obtain a credit account with my favorite clothes retailer, which unfortunately is affiliated with Comenity Bank. I started my account in XX/XX/XXXX in order to purchase badly needed clothing. You see, We are a Military family that just flew back in to the states after living XXXX for three years. We are making a permanent move back home. I needed the clothes because we are living out of our suit cases. In addition we were still waiting for our reimbursement from the military for our move. We still are. It was just a couple of XXXX XXXX so I did it. I need jeans shirts and under garmets. I said I would make payments until I received my tax refund and paid the balance in full, which is precisely what I did. Fast forward. Why was my credit card not sent to me? I have never received a credit card, account number, or bank statement in the mail. To this day no huge deal, correct? Am I not a responsible adult? I am aware that payment can be made by phone call. The situation is really uncomfortable, but so what? I value keeping an excellent credit score ; therefore, I go the extra mile and jump through hoops for this organization. I have a business meeting in XXXX that requires formal clothes. Thus, I visit my preferred store that is associated with the credit card in question. Again, no problem ; I have a store credit card. Since I don't have my card yet, I suspect there may be an issue, but I'll find out anyhow. I know a lot of times you can use your credit in store with out the card. You just need to provide photo ID and answer all my billing information correctly. The store manager tells me that my lack of a credit card will not be a problem. So, she seeks to investigate me, but her efforts are unsuccessful. ( I established this account in XXXX! ) Therefore, I contact Comenity bank and describe the issue. A representation indicates that everything is fine. She provided a new card after determining that everything was in order. Said that most likely, it will arrive within 10 business days. XX/XX/XXXX finally arrives. Still no cards or bank statements. When we get our tax returns, I call the dreaded credit card phone number. Enter my information and pick full payment in the amount of XXXX. I'm purposefully looking to pay for the full balance. I hit submit. I pay off my credit card. Sweet triumph. A week later, I got a letter from Comenity bank. I think it's the card, but instead it's a letter advising me that they are unable to issue me with a card and, as a result, my account will be closed. They expressed thanks for my patronage. After being such a loyal customer. HUGE SLAP IN THE FACE, if you ask me, but oh well, it is what it is, and I'm glad I paid up my account and our relationship is over. Or so I believed! Today, XX/XX/XXXX I get a call and they informed me that I'm still owing XXXX cents. EXCUSE ME?! How?! Where?! Why?! After what you all did to me. Add insult to injury. These individuals are setting up their consumers for failure. Ill take my business and hard-earned money elsewhere. As a paying customer with the right to see any paperwork, I feel there are also illegal acts happening here. 99.9 percent of my documentation has not been provided. As a result, I lack access to my account online or to statements that offer a visual representation of what I owe in order to make the appropriate payments. Now they regularly contact/harass and message me about the issues the company has created. I called XXXX XXXX and spoke with a number of personnel. When I sought to speak with a supervisor along with the department of fraud, I was instructed the supervisor line was busy and to call back later. Is there anybody who can help me hold this company accountable for their actions? Any information would be much appreciated. Maybe a lawyer? There may be many others like me, and this company 's shoddy business practices are producing millions of dollars. These individuals are destroying my credit. This is not correct!
Company Response:
State: CA
Zip: 92124
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX Inquiry date : XX/XX/2022 In accordance with the fair credit Reporting act XXXX Account Number 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 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. I do not have an account, nor have I ever applied for an account.
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX 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 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: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This complaint arises from Comenity Bank 's failure to honor the " pre-qualification '' offer dated XX/XX/2022, failure to timely approve my application to use my " new account right away, '' and discrimination in processing and denying my application for the XXXX Credit Card. XXXX XXXX XXXX XXXX teamed up with Comenity Bank to create a " XXXX Credit Card, '' which provides " instant savings '' in the amount of the sales tax paid on qualified purchases. On XX/XX/2022, I received an email that indicated I was " pre-approved for a NEW XXXX Credit Card, '' which included a promise that I could use my " new account right away! '' The XXXX credit card pre-approval offer expired XX/XX/2022. Comenity Bank refused to honor this pre-approved offer and required me to submit an online application, which I completed on or about XX/XX/2022. I placed an order with XXXX XXXX XXXX XXXX on XX/XX/2022, and XXXX XXXX XXXX XXXX promised to honor the instant savings if I was approved within 30 days of the purchase. The tax on my order, which represents the promised savings, was {$160.00}. Sometime after this application was submitted, I received a letter from Comenity Bank, addressed to me, using my home address, instructing me to call the Comenity Bank fraud line, which I did. I answered all of the questions during the call. On XX/XX/2022, I received a letter from Comenity Bank stating " ... we are unable to approve your application for a ( n ) XXXX XXXX XXXX XXXX Credit Card for the following reason ( s ) : We are unable to verify your identity. '' The letter was signed with a generic " Account Protection team. '' The alleged failure to verify my identity was disingenuous as a a basis for denying my application and was clearly age discrimination. Important facts that I provided to Comenity Bank, in an effort to resolve this matter, include : 1. I have been a long-time customer of XXXX XXXX XXXX XXXX ; 2. I held a XXXX credit card issued by the previous bank XXXX XXXX XXXX used ; 3. I have lived in the same house for 30 years ; 4. I have worked at the same employer for over 30 years ; 5. I used an long-established phone number and email address ; 6. I have excellent credit that is well established and stable ; and 7. I responded to a Comenity Bank letter that was directed to me at my residence. The only viable explanation was Comenity Bank 's discriminatory practices or ratifying the discrimination of its employees and agents. As a result of Comenity Bank 's illegal actions, I lost {$160.00} in " instant savings '' and a great deal of time in attempting to resolve this clear violation of the law.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My purse was stolen in 2013 and they stole my License, And social security and they opened up various accounts with my Social, They did Express, Victoria Secret, XXXX and XXXX XXXX and these accounts are affecting my credit negatively and it's not allowing me to obtain any new line of credit, I filed a police report and it's on record,
Company Response:
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XX/XX/20XXXX XXXX RE . We have disputed the account.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Comenity Account # XXXX has violated my rights. 15 USC 1681 Section 602 states that 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 consent or 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 and purpose. With that being said, I've reached out to comenity to ask for the removal of this late remark that occured in XXXXXXXX XXXX XXXX
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: inaccuate web information
Company Response:
State: MD
Zip: 21075
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
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 account # ending in XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a 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: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A