Date Received: 2023-08-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I was looking at my annual XXXX credit report and saw there was a hard inquiry performed on XX/XX/XXXX that I didnt recognize. XXXX listed the company responsible for the inquiry as ComenityCapital/Land. There was no contact information listed for this company. I looked it up on a search engine and found it was most likely for a Lands End retail Visa card. I have never had any business with Lands End nor with Comenity Capital, so I knew this hard inquiry to my credit was never instigated nor authorized by me. I then submitted an online dispute to XXXX regarding the inquiry. From what I understand of laws surrounding XXXX XXXX, it was now XXXX job to contact Comenity and investigate the dispute. Comenity would then be required to provide proof to XXXX that I authorized the hard inquiry, which I knew I did not. On XX/XX/XXXX I received notice from XXXX that the results of the dispute were available. I logged into my XXXX and found that they had decided that : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX COMENITYCAPITAL/LAND XXXX '' Because XXXX did not include ANY contact information for Comenity on my credit report, only the name, I used an internet search engine to find contact information for Comenity Capital Lands End Visa at XXXX and spoke to a representative. I explained that Comenity had done a hard inquiry on my credit on XX/XX/XXXX without my knowledge or consent. I told her that I have never had any Lands End card and I had never applied for one or any other line of credit from Comenity Capital. She asked me to give her my full name and full social security number, which I was uncomfortable with, but did give to her in an effort to resolve this issue. She found no record of any applications or credit inquiries for the date of XX/XX/XXXX. She did however mention that she did see that Comenity had record of a hard inquiry from XXXX, but that THAT hard inquiry wouldnt show up on my credit report because it was over two years old. I told her that that inquiry was also illegal as I had not initiated it nor authorized it in XXXX. I decided to focus on the issue at hand which was the inquiry from XX/XX/XXXX that is currenly on my XXXX credit report fraudulently and has lowered my credit score significantly by XXXX points. She said there was nothing she could do to help me because she had no record of the XXXX inquiry. I asked if they could contact XXXX and tell them they had no record of me or any inquiry so that I could get it taken off my credit report. She said no, that they would not contact XXXX and that I should contact them myself. I then asked to talk to SOMEONE that can take responsibility for Comenitys illegal actions or at the very least assist me in correcting them. The representative said she would transfer me to her supervisor, XXXX at Comenity. He also said he searched their system and archives and said there was no record of anything under my name or social security number and that there was nothing he could do to help me. He did tell me that from what he understood, once I submitted the dispute with XXXX, they should have contacted Comenity for proof that I authorized the hard inquiry. He doubted that XXXX had done anything other than an automated response considering that their investigation took less than XXXX hours. He said he couldnt give me any sort of document or report from Comenity stating that I had no account there and no record of an inquiry in my name or social security number because I didnt have an account with Comenity. He did give me the phone number to the Comenity Account Protection Team, XXXX, in case I needed to contact them again, as well as the phone number for XXXX, XXXX. He told me to call XXXX and ask them to assist me. On XX/XX/XXXX I decided to check my credit reports with the other 2 bureaus ( XXXX and XXXX ) to see if there was anything amiss, or if the problem I was having with Comenity was limited to XXXX only. Both reports were fine and there was no activity that I did not recognize. I then called XXXX at XXXX, and spoke with a representative and explained my situation. She said that the unauthorized hard inquiry could be removed if I got a document from Comenity stating they had no record of any account for me and therefore no proof that I had authorized the hard inquiry from XX/XX/XXXX. Once I obtained this document from Comenity, the representative said I should write a cover letter to XXXX about the situation, and make a photocopy of both my drivers license and social security card and submit them via XXXX mail to XXXX. I then called Comenity again, explained the situation and that I had spoken to XXXX and they needed a document from Comenity stating that they have no record of me or any inquiry of credit. The Comenity representative hit me with the same brick wall I had hit the day before - They stated that there was nothing they could do because they had no record of any inquiry and I did not have any type of account with Comenity according to their records. She said there was no protocol in their system to deal with a credit inquiry of someone that has no account there. I explained that this was hurting my credit in a very negative way and I felt at a loss at what to do. She said she was sorry but they couldnt help me. On XX/XX/XXXX I received a call from XXXX following up on a brief customer service survey I had taken after my call with them on XX/XX/XXXX. Again, I expressed my dismay at the fact that I was being punished unfairly and my credit was hurting for mistakes made by either/both Comenity and XXXX, yet neither company was willing to help. The XXXX representative then told me that I could file a complaint with the Federal Trade Commission. Once I had done that, he said I should write a cover letter, include a copy of the FTC report that I filed, and include a photocopy of my drivers license and social security card and send it to the address I had been given on the XX/XX/XXXX phone call with XXXX.
Company Response:
State: AZ
Zip: 85338
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
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: Please I would like to fix this error in my credit report. I was never late on this account. This inaccurate information is affecting me. I appreciate your help. Thank you.
Company Response:
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX for Comenity Bank XXXX This company settled the account for less than the full balance. Updated the information on my Credit Report to show comments that the account is settled and paid for less than the full balance, but updated the balance to the amount discounted instead of XXXX. This is preventing me from purchasing my home.
Company Response:
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of Id Theft, I am a XXXX XXXX and these types of things could affect my employment because they do credit checks on us. I started receiving calls from Comenity Bank Victoria Secret about a debit that did not belong to me. I tried to dispute it and had no success. The account number ending in XXXX in the amount of XXXX which is now sent over to XXXX XXXX. They are harassing me about this and this does not belong to me. I have a Identity theft program with my job that is working with me to resolve this issue.
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: COMENITY BANK XXXX XX/XX/XXXX - Turned my acct. over to XXXX XXXX XXXX , XXXX ( XXXX ) for my Bill to XXXX for {$320.00} + XXXX I have had an account with XXXX & all there other brands since XXXX - Every single month since I have paid in full the total amount of bill THE DAY I receive it. The statement I received in XXXX however was not paid as I wasl dealing with the XXXX people watching my HUSBAND and even now remember getting a bill from XXXX HOWEVER, my mind was on a lot of things and I guess I thought it was JUNK. So it did not get paid. As were missed or neglected during that time : UNTIL HE PASSED ON XX/XX/XXXX ..... Yes I do have a death certificate to send if necessary, I am a XXXX XXXX XXXX woman, and Have not had a credit problem since I can remember. Our/my credit rating went from XXXX to to XXXX and I do not believe this is fair to ME. Please let me know if there is anything that can be done to rectify this credit score. Sincerely, XXXX XXXX
Company Response:
State: OK
Zip: 74006
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act Comenity Capital Bank Account XXXX XXXXXXXX & XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : 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: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Problem when making payments
Subissue:
Consumer Complaint: I authorized a payment on XX/XX/XXXX for my loan of {$130.00}. However, there is a dual charge on my bank account now ( as shown in the attached picture ), I am assuming that the one labeled retry was a reattempt of a charge on XX/XX/XXXX, both of which WERE NOT AUTHORIZED CHARGES, and does NOT show up on my account. Only the one that I authorized, the one that went through my account on the XXXX, was authorized. To clarify : 1 ) The charges on XX/XX/XXXX and XX/XX/XXXX are not authorized 2 ) The charge on XX/XX/XXXX is authorized Please help, as the first two charges were : 1 ) Not authorized 2 ) Not part of an autopay for my account 3 ) not shown any reference in my loan account XXXX ) Resulting in {$130.00} being pulled TWICE from my account this month ( as both the unauthorized charge on the XXXX and my authorized charge on the XXXX went through ) What is most irritating is the fact that 1 ) these charges were not AUTHORIZED and 2 ) the unauthorized charges did not and do not show up on my loan account, so it is not even applying to my balance. I have tried contacting the company the following times : 1 ) XX/XX/XXXX + XXXX - through both their phone line and email support but to no response 2 ) XX/XX/XXXX - I was able to talk to a person on the phone but the representative said " I have to email support and they will get back to me. '' I, then, sent ANOTHER email but I still have not received a response. It has now been over three business days and no one has still reached out to me regarding this.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Problem with a credit reporting 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: 33713
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My XXXX got hacked and it says I applied for a credit card and I didnt I did a police report because my identity got stolen And theres also Victoria secret on my hard inquiries and I never applied it had one of them accounts
Company Response:
State: OH
Zip: 44135
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I always go on XXXX XXXX to check my credit score. I should only have one card open on my account which is XXXX XXXX XXXX XXXX It says there was an update on my account on XXXX XXXX on XX/XX/2023 and it said that I had an account open for a year and one month in the name of it was community credit/Pierier it says the amount that was open was {$350.00} credit limit. It says there was 0 % usage but it says it was open the year ago. I have not seen anything like this on my account. I check my account frequently like once a month and I never saw this until today. I did take a picture of it as well. I just didnt want it to affect my credit. I called two different banks that I thought the credit card was with, but both of the bank, said that it is not a bank that they even recognize, and that it could be credit fraud. I just wan na double check to make sure nothing is on there that I did not do. Thank you so much for your time.
Company Response:
State: PA
Zip: 19401
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A