Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
I received an alert of a new account for Montgomery Ward opened on file back in XXXX and checked it immediately because I know I didn't open such account. I disputed the account in every way possible online. I disputed the name, address, and the account itself. I called the credit agency at that time I received the report and spoke with an agent and they assured they would follow through on the account. I also called the company Montgomery Ward as well and spoke with a representative to explain what was going on. The representative looked up the account and she in subtle ways verified the address on their file and I explained I have never lived at that address and that I have lived at my current address for over XXXX yrs proving to me that they were indeed speaking of the other individual with the same name who just so happen to live in the same city. She stated that she don't believe this to be a case of fraud but that just the wrong information got attached to my file and that I should contact the reporting agency. I never anything from neither Montgomery Ward nor the credit agency. So I checked my account again after 30 days and the account still showing on my report active/open and showing where the other person on involved was making payment with results that account has been verified as belonging to me, HOW?? I disputed the account again with all three credit reporting agencies. I've called Montgomery Ward twice making it XXXX times total. The second time I spoke with XXXX who assured me she sent an email to their account department to dispute and of my complaint and that someone will reach out to me within XXXX to XXXX hours but I never heard from anyone. Called the third time and spoke with XXXX again explaining what happen and trying to get a status on my complaint because I never heard anything. She half did her job telling me she don't see any fraud on the account but mind you she never asked me for any information to even look up an account. After I became upset and told her that then she proceeded to ask me some information. I gave her all the info that I could see on my credit report, my name, dob, and my SS and she proceeded to tell me that the previous request was just sent in on that day and to allow them time to process the request. As of today XX/XX/XXXX I have not heard anything back from Montgormery Ward. This morning I get a message from XXXX  stating again the dispute was resolve and they have found that the account does belongs to me AGAIN I ASK HOW??? NO ONE has contacted me. NO ONE has asked me for any information. NO ONE is asking the right questions. WHY is it so hard to pull the credit application or request the credit application from Montgomery Ward to see exactly what verifying information is on that application for the other person and NOT ME and remove the account from my report as it is dropping my credit score I believe because that little account is showing and making my debt to credit ratio higher. I beyond upset of this matter because I don't feel like any one of the credit agencies are listening to me. I don't feel Montgomery Ward doing their job and has messed up my profile by running the credit application with the wrong information. I need help!!!

Company response to consumer: Closed with explanation