Date Received: 2024-01-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I called to see if my payment was received. Comenity bank advised they didnt receive the payment. When I found this out I then paid off my account with the representative on the phone. The representative advised me to place a stop payment since the payment was lost. I received a bill in the mail for {$30.00} in XXXX. I called Comenity customer service on XX/XX/XXXX I spoke to supervisor XXXX. She advised me that a check was received on XX/XX/XXXX and was attempted to be cashed the same check Comenity advised me to place a stop payment on. I asked if they can waive the fee since it was their customer service that advised me to place a stop payment and my account was paid in full and on time for the duration of my account. She said she will not be able to waive the fee. This doesnt seem fair to me as a customer and I dont appreciate that I have to pay for their faults.
Company Response:
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Commenity bank calls me at least 6 times a day Sunday through Saturday. The call before XXXX XXXX and after XXXX XXXX daily. I have asked them to stop calling me multiple times but they continue to call. I have tried to set up a payment agreement but they refuse. They have identified themselves as a 3rd party collection agency and apparently sold the debt within 30 days of delinquent payment
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX XXXX I had check my credit report and saw there was a serious delinquency report from XXXX XXXX Comenity Bank XXXX I tried to login the XXXX XXXX website to look at said account. It said it was close and to call them. I had call because I did not know I owe them money. I talk to a XXXX on the phone to resolve the matter. I had paid amount owe in full and it was agree that the account would be close and the delinquency would be remove. I had ask her for paperwork/statement stating that I paid the balance in full and account was closed. I never receive it after waiting XXXX weeks. I called again in the XXXX weeks later and spoke to a different person due to XXXX not XXXX in office. The guy said he saw on my account that I had paid and would send me the information through email. I never receive the paperwork. I have the number and extension of XXXX. I had paid {$390.00} cents.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Dear Sir/Madam, My name is XXXX XXXX XXXX I am writing to report a serious incident of identity theft involving Comenity Capital Bank, where a credit card account was opened in my name without my authorization. In an initial interaction with Comenity Capital Bank, I was informed about an attempt to open a credit card in my name. I clarified with a representative that this was not an action taken by me, and they assured me that the attempt was recognized as fraudulent. They confirmed that no account would be opened, and no funds would be withdrawn. However, the situation took a concerning turn when, a few months ago, I was notified by another lender that an account had indeed been opened in my name and that there was an outstanding balance of {$680.00}. This was contrary to the assurances given by Comenity Capital Bank. Key Incident Details : Company Involved : Comenity Capital Bank/Interval International Inc , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Account Opening Date : XX/XX/XXXX Account Type : Revolving Account Loan Type : Credit Card Last Update on Account : XX/XX/XXXX High Balance of Fraudulent Account : {$680.00} For your reference, the account number associated with this fraudulent activity is XXXX. The account was reported to have a high credit limit of {$5600.00}, under a monthly term for 11 months, and was last updated on XX/XX/XXXX with a balance amount of {$0.00} and no amount past due. I am currently working with XXXX to address this issue and have been advised to file this report with the Federal Trade Commission. I request your immediate assistance in investigating and resolving this fraudulent activity under my name. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: NH
Zip: 031XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had reported the Victoria Secret duplicated my charged off account. They acknowledged it but blamed it on the debt buyer and said they would delete the duplicate. They did delete the older one and left the current one with the charge off updated to XX/XX/2023. It was paid off in XXXX of 2023. I would like this removed because they have updated it incorrectly and it is damaging my credit. I feel it is in retaliation to my filing a report on here.
Company Response:
State: KY
Zip: 40245
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: So, this account transitioned from Dell Financial Services to Comenity Bank three months ago. On my credit report, I see this card been reported twice. I have contacted both Dell Financial Services and Comenity Bank by phne or email. Both says that there is not there doing reporting twice the same account, but the problem persists. In been reported twice, it is affecting the debt to income ratio.
Company Response:
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX charged me a purchased I did not make or authorized. I explain to the representative that I didn't make the purchased. I also wasn't aware until several months later since I do not use that credit card for daily purchases. I spoke to comenity and advised them and they offer no assistance, and told me that I was liable for the charges. I do not even have the credit card. I told the representative that I was to pay off the account and to close my account however they are hurting my credit when I was the victim of fraud and that is not okay.
Company Response:
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I wish to formally lodge a complaint against the Lane Bryant credit card company, also known as Commodity. Last year, I utilized their automated payment system to settle my bill. Despite having sufficient funds in my checking account, the payment was not accepted. Consequently, this situation led to a 30-day late payment notation on my credit report, significantly impacting my credit score. I am now seeking to address this issue by filing a grievance with the company. My objective is to request the removal of the negative entry or, alternatively, pursue legal action with the assistance of an attorney. In a recent occurrence in XXXX, I faced a similar situation when I made a payment through the automated system. Despite providing accurate information and ensuring an ample balance in my account, the payment was returned. I am inclined to believe that there are flaws in their system that require rectification. The automated payment system appears to have numerous errors, resulting in customers experiencing adverse effects on their credit standing. Recognizing the paramount importance of maintaining a positive credit history, I am committed to taking the necessary steps to rectify this situation. My primary aim in filing this grievance is to have the negative information expunged from my credit report. Additionally, I urge the company to conduct a thorough review and update their automated payment system to prevent similar issues from affecting other customers in the future.
Company Response:
State: CA
Zip: 922XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am requesting this account to be removed or updated on my consumer report paid and Full I consumer, and natural person, i am award of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) * 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission from my understanding charge off is considered income by the irs and income can not be reported.And That is considered tex fraud
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: COMENITYCB/OVERSTOCK # XXXX : {$130.00} I trust this message finds you well. My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance regarding my credit profile. I recently discovered unauthorized credit card accounts opened in my name, and it has come to my attention that these incidents are a direct result of the XXXX data breach. Given the nature of the situation, I am seeking your assistance in initiating a credit break to rectify the unauthorized accounts associated with my name. The affected accounts, to the best of my knowledge, were opened without my consent or knowledge, and I have taken immediate steps to report these incidents to the relevant authorities. I understand the severity of data breaches and their impact on individuals, and I believe that your prompt and effective intervention will be crucial in resolving this matter. I kindly request the following actions : 1. Investigation and Verification : Please conduct a thorough investigation to verify the unauthorized credit card accounts linked to my profile. Any additional information you may require from my end will be promptly provided. 2. Removal of Unauthorized Accounts : Given the circumstances surrounding these accounts, I request the removal of the unauthorized credit cards from my credit report at the earliest convenience. 3. Communication and Documentation : Keep me informed throughout the process and provide documentation outlining the steps taken to address this issue. Transparency in this matter is crucial for my peace of mind and the restoration of my credit integrity. 4. Police Report : I have filed and provided a Police report from XXXX. 5. XXXX Claim : I have a filed and attached a claim with XXXX. 6. XXXX XXXX XXXX information Impact have provided conformation my information was exposed as a direct result of the XXXX data breach. 7. XXXX # XXXX I understand the challenges associated with data breaches and trust that XXXX, as a reputable credit reporting agency, will handle this matter with the urgency and professionalism it demands. Your cooperation and assistance in resolving this issue are highly appreciated. I look forward to your prompt response and the successful resolution of this matter. Thank you for your attention to this serious concern. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A