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@jrubedjmp311 wrote:I just spoke with a supervisor at Comenity.
The system is still an issue. However, if a customer needs them to manually send the updates to the bureaus, there is a form they fill out to manually push this. Takes 5 days to update
I tried that and it accomplished nothing, as soon as it hit 90+ days and it was past FCRA guidelines i just filed a dispute.
@SDMarik wrote:
@jrubedjmp311 wrote:I just spoke with a supervisor at Comenity.
The system is still an issue. However, if a customer needs them to manually send the updates to the bureaus, there is a form they fill out to manually push this. Takes 5 days to update
I tried that and it accomplished nothing, as soon as it hit 90+ days and it was past FCRA guidelines i just filed a dispute.
Did you have any success after the dispute? Just started one for DW on her VS card, curious if I should expect it to work, or if I'm headed to the CFPB.
I'd stay away from any of the Comenity cards. It is a co-brand card powerhouse. But its root is the card data processing. It now tries to brand itself as part of the fin-tech movement with its Bread cards. Same company, same poor service.
I won't touch its Bread cards.
I would caution you all against disputing. If their system is still not functioning as intended, you might end up with late payments you don't have.
In a nutshell, internal records aren't up to standard when it comes to reporting so you might end up with a negative then having to deal with a negative.
During this period when they experienced all this poop emoji stuff, some people didn't pay on time, so internal audit needs to be able to distinguish between what's a glitch, what's truly a non-payment.
There won't be mass clemency when it comes to lates incurred during this period, and before anyone says "How is that fair"...it's not, but that's how it works.
Or, dispute and see how it goes for you. It might even work
@Remedios wrote:I would caution you all against disputing. If their system is still not functioning as intended, you might end up with late payments you don't have.
In a nutshell, internal records aren't up to standard when it comes to reporting so you might end up with a negative then having to deal with a negative.
During this period when they experienced all this poop emoji stuff, some people didn't pay on time, so internal audit needs to be able to distinguish between what's a glitch, what's truly a non-payment.
There won't be mass clemency when it comes to lates incurred during this period, and before anyone says "How is that fair"...it's not, but that's how it works.
Or, dispute and see how it goes for you. It might even work
Any idea if there is a grace period for comenity reporting a late? due date 10/10 and its scheduled for 10/12 now.
@Remedios wrote:I would caution you all against disputing. If their system is still not functioning as intended, you might end up with late payments you don't have.
In a nutshell, internal records aren't up to standard when it comes to reporting so you might end up with a negative then having to deal with a negative.
During this period when they experienced all this poop emoji stuff, some people didn't pay on time, so internal audit needs to be able to distinguish between what's a glitch, what's truly a non-payment.
There won't be mass clemency when it comes to lates incurred during this period, and before anyone says "How is that fair"...it's not, but that's how it works.
Or, dispute and see how it goes for you. It might even work
Well what is the remedy? Let them keep not reporting? I literally have a 0 balance and have had a 0 balance since mid June....... but they last reported a few days before I paid my account off......each month it "looks" like I still owe 3000$.......my credit score has literally been held hostage from this creditor for months.......I'm guaranteed to gain at least 15 points once this reports, but unfortunately looks like it they could take until 2023 to fix their issues.
@Blender wrote:
@Remedios wrote:I would caution you all against disputing. If their system is still not functioning as intended, you might end up with late payments you don't have.
In a nutshell, internal records aren't up to standard when it comes to reporting so you might end up with a negative then having to deal with a negative.
During this period when they experienced all this poop emoji stuff, some people didn't pay on time, so internal audit needs to be able to distinguish between what's a glitch, what's truly a non-payment.
There won't be mass clemency when it comes to lates incurred during this period, and before anyone says "How is that fair"...it's not, but that's how it works.
Or, dispute and see how it goes for you. It might even work
Any idea if there is a grace period for comenity reporting a late? due date 10/10 and its scheduled for 10/12 now.
30 days. You will have a fee to pay but no late
In yesterdays mail i received a preapproval letter for the bread amex, they just gave me that card a few months ago, has to be a comenity glitch.
Hi all , my available credit is 800 less than it should be on my Bread card. Basically counting everything up, they are 800 dollars short. They spent one hour with me, counting every transaction up to recheck the numbers, and finally said it's the first time they have seen this. Escalated the issue, and told me to call in 3-5 days. Has this happened to anyone?
@750andup2 wrote:Hi all , my available credit is 800 less than it should be on my Bread card. Basically counting everything up, they are 800 dollars short. They spent one hour with me, counting every transaction up to recheck the numbers, and finally said it's the first time they have seen this. Escalated the issue, and told me to call in 3-5 days. Has this happened to anyone?
Are you saying we have to carefully check the statements too now! 🤦♂️