Date Received: 2023-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have reached out for more information about this alleged account to include the 1099 considering it is listed as a charge off. Please stop ignoring me and provide the 1099 for this charge-off or at least tell me if there was one done. Also if this alleged debt was sold provide that information as well. You have several alleged accounts for me under XXXX and I need this info for and all. THIS IS ALLEGEDLY VICTORIA SECRETS ACCOUNT
Company Response:
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have reached out for more information about this alleged account to include the 1099 considering it is listed as a charge off. Please stop ignoring me and provide the 1099 for this charge-off or at least tell me if there was one done. Also if this alleged debt was sold provide that information as well. You have several alleged accounts for me under XXXX and I need this info for and all. This is allegedly a My Place Rewards ( Childrens Place ) account
Company Response:
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Comenity Capital Bank announced via email to customers in XX/XX/XXXX a promotional offer " EARN 2 % CASH BACK up to {$25.00} bonus cash back when you make eligible home improvement purchases with your XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX'. The offer period was XX/XX/XXXX - XX/XX/XXXX. I made several purchases during this period at stores like The XXXX XXXX and XXXX. I never received the promised extra cash back points. I contacted the company several times via their messaging system. Their usual answer is that I should call to speak to someone in person. I even submitted documentation about the promotional offer. I then called and spoke with a representative who claimed he never heard about such an offer but he would pass on a note to get back to me. The last conversation was with XXXX on XX/XX/XXXX. She also could not find anything about this offer but told me the Back Office will get back to me. No answer XXXX weeks later.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: XXXX XXXX XXXX transferred all customers of their XXXX XXXX XXXX XXXX to Comenity Capital Bank in XX/XX/2022. I now have their so called XXXX XXXX XXXX XXXX XXXX Credit Card. However, XXXX never provided me with a XXXX XXXX XXXX, something all other credit card companies I am using either send via mail or make available online. Therefore I do not know what benefits come with this card, like purchase protection, extended warranty, delayed luggage benefits, auto rental insurance etc. etc. I contacted XXXX multiple times through their messaging system as well as in person via phone. None of the agents do understand what I am looking for and nearly one year later I still do not have this Benefit Guide. I am therefore hesitant to use this card for any important purchases. In addition their website has frequent technical issues which makes it even harder to resolve any issues.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently checked my credit report and noticed some inquiries I did NOT approved nor know how they got there. COMENITY CAPITAL/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also contacted right away the credit bureas and also the banks and they could not find anything so obviously it is a wrong reporting that is affecting my credit worthiness as I am getting ready to purchase a house. I need this error to be removed immediately. Thank you
Company Response:
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: unlawfully denying my credit card application for false non-decisive factors
Company Response:
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: So I purchased jewelry from from XXXX XXXX XXXX XXXX XX/XX/2023 on a 12 monthly plan witch I was paying every month with no problem for XXXX XXXX then i started to get letters with extra fees witch went up to XXXXXXXX XXXX for some odd reason When I had a year without fee then I was XXXX for about XXXX XXXX in half months and where I was I wasnt able to use my phone I had no internet or I wasnt able to make calls I was so sick that I only could use the phone but didnt because I was sick then as I get out the hospital I keep getting letters of them telling I need to pay it in full they never contacted me they had my email they called my brother witch I never gave them a his number they only had mine when I started working again I was able to start paying again but when once I was able to the sent me a letter in the mail stated that they sold my information to another company witch is illegal with out my consent so now In in the process of suing them because they violated my rights and they did everything without contacting me then I contacted them and they person I talk told me they can anything want any any giving time
Company Response:
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
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: 33032
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied online and was pre-approved for a Victoria Secret card in XX/XX/2023. I received a letter that asked for verification of identity and residency. I emailed and faxed all of the following : front & back of my ID, front & back of my Social Security card, my bank statement, and an utility bill to verify address. The letter from Comenity Bank did not provide a mailing address or a contact number. This seemed strange and/or unprofessional. I went into the local store, and was told to give it some time for processing. The lady said she did not want to have me complete another application and pull my credit againas this would cause 2 inquiries on my credit. To date, I have not received a card nor any correspondence to state what happened with the pre-approval. However, there is an inquiry on my credit and my credit score has dropped since there isnt an account attached!
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hello I purchased my home in XXXX, XXXX and I closed on XX/XX/2023 at closing the title company wrote some checks to payoff some balances on a few credit cards and Comenity Bank/ Wayfair was one of them. On XXXX XXXX I mailed a check in the amount of {$3600.00} to Comenity Bank/ Wayfair . I mailed this check Priority mail with signature required through the USPS. On XXXX XXXX at XXXX check was delivered picked up at the Comenity Bank/Wayfair XXXX XXXX XXXX XXXX XXXX I have called Wayfair numerous times all ikeep getting is that they are investigating it. It is XXXX XXXX and the check is still not posted to my account. Every time I call iget the same nonsense answers and no results. They can't even tell me if they have the check in hand which they should because it was picked up.
Company Response:
State: FL
Zip: 34476
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A