Date Received: 2023-08-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33607
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: ADS COMMENITY has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This is an account that was purchased from Big Lots. I have yet to receive a contract with my Wet signature on it. I asked for this information when XXXX XXXX called me and they never sent it. They call me repeatedly throughout the day from different numbers. This is a form of harassment. 15 U.S.Code 1692k ( a ) ( 1 ) - Allows for any action of damage. AFFIDAVIT Notice, it is a fact, affiant is aware pursuant to 15 U.S.Code 1692k ( a ) ( 1 ) allows civil liability rewards for any damages, which may include stress, harassment, anxiety, mental anguish, and other damages all caused by violations of FDCPA due to XXXX XXXX XXXX abusive and deceptive business practices.
Company Response:
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hello, On XX/XX/XXXX, I purchased {$7100.00} in furniture from XXXX XXXXXXXX XXXX. At the time there were advertising 60 months XXXX percent interest. I was approved for this financing and credit card. I was also advised that I had to put down {$700.00} in cash which I did. No other store with XXXX percent financing asked me for a down payment but I complied. I received my first bill and my minimum balance is {$250.00}. That does not compute to 60 months of free financing. My minimum payment should be {$110.00}. I called Comenity Bank who the furniture is financed with and they said there is nothing they can do that sometimes they request a higher minimum balance and that the balance goes does each month. This is deceptive practices. It clearly states on my invoice 60 months XXXXXXXX XXXX XXXX XXXX and that I need to pay the balance prior to the 60 month end date of XX/XX/XXXX. If I continue making payments of {$250.00}, I will be paid in full in 28 months. That is not what was advertised or explained to me. How can I fix this? I'm paying double and that's not what I budgeted for. I also just received the XXXX invoice and that minimum payment is {$240.00} Thank you, XXXX XXXX
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called and spoke to an agent to close my XXXX credit card with Comenity Bank on XX/XX/2023 and paid off the balance in full. On XX/XX/2023 I received a bill for {$2.00} showing it as a minimum fee charged. The same thing happened when I called in and spoke to an Agent and paid off the balance and closed my Victorias Secret card on XX/XX/2023. While the fees were removed after I called to complain, its pretty clear this is a regular practice for Comenity bank. I am reporting it because this is clearly a UDAAP issue.
Company Response:
State: IA
Zip: 50266
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Comenity Bank- Victoria Secret store card On XXXX I walked into the VS store and paid off my credit card in full with Cash. XXXX I received a statement with payment due + interest XXXX I spoke to an agent and submitted payment receipts through my VS account messenger. Agent said it would take 30days to investigate. All the while Im still receiving statements with late fees and my credit score is declining. XXXX called comenity and spoke to an agent. Was told to call back on XX/XX/23. Issue should be resolved. XXXX Called and agent said that investigation is taking awhile and wait for an email. They will take care of any/all late fees. Be patient XXXX Email received by XXXX regarding credit score dropped by XXXX due to this bill XXXX Emailed Comenity bank regarding this. Agent replied back they need an additional 30 days to investigate. The bill was paid in full on XX/XX/23. I have payment receipts proving I did so. I forwarded all necessary documents. But Im still being penalized for doing the right thing. I have worked hard to build my credit score.If someone could please help me get this issue resolved asap. Id really appreciate it. Thank you
Company Response:
State: HI
Zip: 96815
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I made a purchase from the company ( XXXX ) on XX/XX/2023. The clothing was mistakenly dropped of by the shipping carrier USPS to a different address. So I never received the product purchased. I called XXXX customer service to report the issue. I was sent an affidavit along with dispute forms. I filled out these forms and mailed them twice once on XXXX XXXX and again XX/XX/2023. According to customer service they did not receive the forms. I called numerous times and have emails from XXXX service reps working with me to resolve the matter. On XX/XX/2023 I made a payment to Comenity Bank for a XXXX from my bank to XXXX. According to XXXX the matter was closed due to lack of information even though I sent them all information twice that included a letter from the USPS manager stating the package was delivered to a wrong address which they were unable to reclaim as well as my payment that posted from my account to Comenity Bank. I called multiple multiple times to rectify this issue which was affecting my credit score due to showing that the account was now 60 to 90 days late. I have emailed correspondence as well as copies of everything I sent but yet they were not able to do anything with it according to them so the matter was closed and I ended up paying again to XXXX XXXX. Which they have not cleared my account or the late standing to the credit bureaus.
Company Response:
State: AZ
Zip: 85206
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 34638
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 34638
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A