Date Received: 2023-08-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: current balance only reflects continues fees.
Company Response:
State: VA
Zip: 238XX
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: 2023-08-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Comenity bank and Sony both have XXXX broken the terms of our credit card agreement and have failed to give the advertised points for purchases made. They also advertise features that have never worked and fail to address the issues I have filed multiple complaints about. I hold physical emails from a comenity employee who confirm that the rewards system does not work properly and that I have not been given the points as advertised, which constitutes broken terms of our credit agreement and makes the debt forfeit by law.
Company Response:
State: CA
Zip: 95678
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: XX/XX/2023 - I recieved a 30 days past due flag on XXXX. XX/XX/2023 - The bank confirmed that there was an clerical error on their end. The bank confirmed that they will be sending a negative retracting credit report letting out regarding there was an error with the bank. They would also send me a letter within 7-10 business days. XX/XX/2023 - The Branch Manager confirmed the payment issue was fixed and confirmed they would be sending the credit card company a negative retraction demand due to bank error. XX/XX/2023 - A call with the bank confirmed they are still working on sending a letter to me. XX/XX/2023 - The bank confirmed that the letter went out two days ago and would arrive in a few days. XX/XX/2023 - I called Comenity Bank to ask if they had received the letter from the bank. They confirmed they have NOT. I asked if they would accept an emailed copy or faxed copy. They instructed me to send a copy out to XXXX XXXX XXXX XXXX Ohio XXXX. An online dispute had been opened with XXXX. XXXX Letter sent to Comenity Bank . XXXX Recieved a notification that Dispute Results were Ready and there was no change. I called Comenity Bank at XXXX. The representative confirmed that the letter was received. The representative informed me that they will not remove the negative information off my credit report. I let her know there was a clerical bank error and that the bank sent in a letter. The represenatative stated that they would not remove the negative remark but would offer me a credit on the account for my inconviencence. I declined.
Company Response:
State: WA
Zip: 98204
Submitted Via: Web
Date Sent: 2023-08-23
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: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor, XXXX XXXX ( CCB/XXXX ), has violated my rights. Under 15 USC 1681, Section 2, Section A1F, Under the accommodation clause, this late payment should be removed from my report as this was reported during covid-19. Under 15 USC 1681, section 602 states that I have the right to privacy. Under 15 USC 1681, section 604 A, section 2, a consumer reporting agency can not furnish my account without my written instruction. Under 15 USC 1666 B states, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 30052
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: 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: MI
Zip: 48858
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Starting on date XX/XX/2023 I started a dispute with this company by mail, another one on XX/XX/2023 by certified mail to get a closed account removed off of my credit report that was paid off and closed! This company has since been closed/shut down all of their locations and is no longer in business! Since this account is closed and outdated while also being no longer collectible, while also not in business any more it should be deemed as not mines and removed immediately. All responses have been non compliant, I demand the deletion of this account immediately.
Company Response:
State: NJ
Zip: 08054
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
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: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Commenity Bank contacted my brother on his cell phone who doesn't live with me and I have never disclosed his name or number before. They left a message on his phone as well which I have a screen shot of the transcript.
Company Response:
State: FL
Zip: 32223
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: COMENITYBANK/VICSECRMC did a hard inquiry on my consumer credit and in XX/XX/XXXX. Hard inquiries is only for 2 years they added 3 years for removal. This is causing financial issues for me with other business financial companies. They have been inaccurately reporting this on my credit report for over 8 months. This hard inquiry needs to be removed from my consumer report. Inquiry date : XX/XX/XXXX - Removal date XX/XX/XXXX COMENITYBANK/VICSECRMC Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, OHXXXX-
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I spoke to XXXX in fraud department for over an hour on XX/XX/23 about the issue I was having with a dispute. He assured me that he would personally step in and help Me to resolve the issue with my Ulta credit card. He informed me that he would work with disputes and help me to fix the issue. I agreed the first step that he took was shutting down my old credit card and issuing me another one. I called several times with updates on the account and even was refunded the amount I paid on the card. As per law The investigation can last up to two billing cycles ( around 60 days ), but creditors have up to 90 days if your billing cycle is longer. When there's an error, the card issuer must correct it and credit your account for the disputed amount. This is over the amount of time. I also have a recording of XXXX saying he was working my case as dispute and not fraud. He stated that he was a manager and that he would work it. I called back and he was high aggressive in tone stating that he did not say that and that he had other accounts to resolve. I simply requested he listen to the call and he refused saying that he had other duties to attend to. I am complete shocked by this. I called XX/XX/23 Spoke to 2 different managers and told them about the issue that the amount had been removed for over 90 days they told me that there were no other options. I need to contact them by mail if I wanted to file a complaint that they could not file a complaint for me. That someone would get back to me if I wrote in. They do not have a protocol for complaints.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A