Date Received: 2023-08-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Sir/Madam, I am writing to dispute the duplicate debt collection account associated with account number [ XXXX ] in the amount of {$1800.00} that XXXX XXXX XXXX is attempting to collect. Said debt has been reported as a charge off but the original creditor while also posting as a collection to my credit report. I believe this action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 623 ( a ) ( 2 ), a debt can not be reported more than once for the same delinquency. I have identified two separate entries on my credit report from XXXX XXXX XXXX ( comenity capital Bank ) for the same debt, which is a clear violation of this provision. I request that you investigate this matter immediately and take corrective actions to remove the duplicate entry from my credit reports. Furthermore, I insist that you provide written confirmation within 30 days that the duplicate entry has been removed, and that you have taken steps to prevent similar violations in the future. Failure to rectify this situation may result in legal action to enforce my rights under the FCRA. I trust that XXXX XXXX XXXX will handle this matter promptly and in compliance with the law. Please acknowledge receipt of this dispute letter and provide a timeline for resolution. I appreciate your attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: PA
Zip: 19152
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: XXXX going thru hardship financial I had lost my job due too false allegations felony charges in my name the interest rate is too much for me too pay my monthly bill on time
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
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: On XX/XX/XXXX, I made a purchase at a Lane Bryant XXXX while visiting XXXX. I had forgotten if I purchased by cash, debit card, or using my Lane Bryant Card. This was during the Pandemic and I had not received any statements. At the time of the purchase, I had a XXXX balance. I normally paid the Lane Bryant card biweekly, and I had previously overpaid the account by {$85.00} because I had automated my payments for many years. I had been a customer of Lane Bryant since XXXX. With a balance of ( - {$85.00} ), Comenity Bank began charging me late fees of {$35.00}. And resolving this dispute was problematic and they did NOT return all of the overpayment. But it became too much of an expense and a bother to get the last {$35.00} back. So I let the issue go and stopped using the card. During the Pandemic, there was a discrepancy with receiving mail. And I had been in and out of town often. I did not realize there was an issue with the bill until a collections representative called me, informing me the account was past due but still open. At that time, I explained the oversight. I sent the minimum payment due. I also sent payment in full for the items I purchased. I also explicitly let them know I did not receive my statement. When I finally received my statement in XXXX, I saw they had charged me {$220.00} late fees. I called Comenity Bank and requested to speak to a supervisor, disputing the late fees because ( 1 ) I had not received a statement ; ( 2 ) I have had a Lane Bryant store credit card for 15 years with a favorable payment history ; ( 3 ) their payment processing had been so poor the prior year they had charge me interest and late fees on a negative balance and still had NOT repaid me all of the money for that discrepancy. Despite having been treated this way, Comenity Bank refused to remove the late fees. I was peeved but I paid the balance in its entirety anyway. BUT THEN... Comenity Bank CLOSED my account that I had paid and repaid favorably for year, negatively impacting my credit score.
Company Response:
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I applied for a XXXX XXXX card, run through Comenity Bank, and was approved. I never received the credit card as it shipped to a location I could not receive it at. I called several times when I received an email about a payment being due from an online purchase made by one of their sales associates ( as I did not have a credit card I could use to make the purchase ). I tried to get the card sent to a different address. I offered to verify my identity using my SSN, or any other PII they had on me. They refused to verify my identity, or send the credit card. Without verification, or an actual credit card, I could not access my account, view my bill, or even get my account number. I also was unable to make any purchases. I told them I would not pay a bill that I was not allowed to review, or for a card I was not able to use. I then closed the account. They have now been harassing me non-stop for months on end. It is my understanding, following some light research after this incident, that they are only supposed to call up to 7 times a week. On average, I get around 5-7 phone calls every single day, sometimes more. This is harassment and totally unacceptable. They also block their caller ID, which it seems they are allowed to do, but is still very deceptive.
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Complaint Against Comenity Capital Bank 's Predatory Practices Dear Sir/Madam , I write to lodge a formal complaint against Comenity Capital Bank for what I perceive to be their predatory business practices, especially concerning their credit card promotions. This experience has not only caused me financial duress but has also made me deeply concerned about the broader implications of such practices on unsuspecting consumers. On XX/XX/XXXX, I made a purchase of {$1200.00} from XXXX XXXX XXXX XXXX using Comenity Bank 's Payboo Card promotion, which promised zero interest for 12 months. Relying on their terms and believing in their transparency, I set up an automatic monthly payment of {$100.00}. As of XX/XX/XXXX, my remaining balance was a mere {$53.00}. To my shock, Comenity Bank levied an interest charge of {$170.00} on this balance, an action that feels not only exploitative but also deceptive. Key Issues : Lack of Communication : Despite the looming interest accrual, there was no prior communication - be it a paper bill, an email, a text, or even a simple phone call, to alert me of this impending charge. Predatory Promotion Terms : The terms and conditions associated with the promotion are designed in a manner that seems intended to trap consumers. While businesses have the right to earn interest on overdue amounts, the sheer magnitude and method of this interest application, particularly when the outstanding amount was so minimal, is hard to view as anything other than predatory. Public Evidence : A brief review of the XXXX XXXX XXXX XXXX page for Comenity Capital Bank reveals a pattern of complaints, underscoring the systematic nature of these issues : XXXX Comenity Bank Complaint Page. Requested Actions : Full Refund : I urge the CFPB to intervene and compel Comenity Capital Bank to refund the {$170.00} interest charge in full. Transparent Communication Mandate : The bank should be obligated to provide clear and timely communication about any upcoming charges or changes, especially those with potential financial penalties. Regulation of Promotional Terms : Such misleading promotional terms should be scrutinized, regulated, and if found predatory, removed to ensure a fair consumer environment. In the interest of all consumers and in pursuit of transparency and fairness in financial transactions, I implore the CFPB to thoroughly investigate this matter. The public deserves protection against practices that seem designed to exploit, and institutions like Comenity Bank should be held accountable for their actions. I trust the CFPB to take the necessary measures in this regard and ensure that consumers like myself can engage in financial transactions without fear of hidden pitfalls or exploitation. Thank you for your time and attention to this matter. Warm regards, XXXX
Company Response:
State: OR
Zip: 97007
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act ( 15 USC 1681, section 602a ), it is articulated that : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Both XXXX and XXXX qualify as consumer reporting agencies, and I am the designated consumer in this context. My right to privacy, specifically to ensure that my personal information remains confidential, is underscored by 15 USC 6801 : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' For clarity, the [ Furnisher of information to credit agencies ] falls under the definition of a financial institution according to this title. Further, 15 USC 1681, section 604a, section 2, highlights that : " In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Neither the [ Furnisher of information to credit agencies ], nor the consumer reporting agencies XXXX and XXXX, possess my explicit or written consent to furnish this data. I hereby revoke all forms of consent - verbal, non-verbal, written, implied, or otherwise - given to XXXX, XXXX, and the [ Furnisher of information to credit agencies ]. Moreover, 15 USC 6802 ( b ) ( c ) specifies : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The [ Furnisher of information to credit agencies ] failed to notify me about my right to exercise my nondisclosure option. Additionally, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' The account in question is an adverse item being reported without my consent, in direct violation of the law. Furthermore, 15 U.S. Code 1681s-2 ( A ) ( 1 ) A declares : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' While 15 U.S. Code 1681e insists : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. It appears that XXXX and XXXX are failing to uphold these reasonable procedures. Lastly, 12 CFR 1016.7 reiterates : " A consumer may exercise the right to opt out at any time. '' I am formally exercising my right and opting out of your reporting services.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to dispute an account opened fraudulently in my name. I am a victim of identity theft, and I did not open account number ending in XXXX. I am not responsible for any charges made to this account. I have no knowledge of this credit card being opened using my personal information. I am receiving bills from Alphaeon Credit account number ending in XXXX to my residence.
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid my Comenity Children 's Place card to a XXXX balance, paying off the full balance XX/XX/2022. I also closed out my card due to being unhappy with business practices. In XX/XX/2022 I received a balance for {$4.00}. I explained my card had been inactive and there was no charges made on the card prior to closing it as it had been paid off. I was told it was resolved. After being notified of a late payment reporting to my credit report, I continued trying to resolve but refuses to pay since I did not owe anything. Fees would continue to pile up and continue to affect my credit so in XX/XX/2022 I agreed to pay a reduced amount with Comenity taking off a portion of the late fees just finally resolve the matter. I agreed to pay if they cleared balance and accurately updated credit report. I was told I would receive a letter that I could also send to credit bureau to with update. Not only did Comenity not update my credit report but in XXXX they once again started saying I owe them and attaching late fees. As this is predatory and a way to continue to get money, I refused to pay. Comenity had continued to not only damage my credit with the Children 's Place card but sent me to collections for a debt I don't owe. They also did this same thing with my XXXX account which also reported inaccurate late fees and refused to send me documentation that they erased the fees because I didn't owe so I can send it to the credit bureaus and they refused to send anything to the credit bureaus to delete inaccurate late payments.
Company Response:
State: IL
Zip: 61761
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Numerous times their entire platform for all account portfolios is unavailable for their cardholders to gain access to their accounts to view transactions, available credit, schedule payments thus making it extremely difficult for cardholders to manage their account in a responsible way. The fact that this credit card issuers website is down and unavailable more times than it is available to their cardholders is completely unacceptable as this has been going on for over a year and 2 months now
Company Response:
State: MD
Zip: 21158
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: We have attempted to close the account and pay an agreed settlement with comenity capital bank and XXXX XXXX XXXX XXXX. We have spoke with the company more then 20 times trying to get them to send the proposed agreement to us. We have spent hours talking to multiple representatives supervisors, managers, and every single one had a different policy or answer as to why we have not received a confirmation letter of any kind. Each of the dozens of people we have spoke to has given us different answers for when we will receive this agreement and receipt confirmation ( 1 hour, 2 days, 6 hours, 30 days, etc. ) which has been going on since XX/XX/XXXX. We have yet to receive a single promised agreement, receipt confirmation or communication. The agreed amount of {$2900.00} was finally taken out of our checking account on XX/XX/23 with no receipt given. I have never in my entire life dealt with such a crooked, dishonest company. All we are trying to do is reconcile this matter. They have our money but will now verify it in writing. We have also filed a complaint with the FTC regarding this issue. They are a company that tries to put off customers by passing you on to the next representative or supervisor in the hope that the customer will give up. We are also going to file a complaint with all the credit bureaus because they have reported and dinged our credit score, which could have been avoided if this was handled properly. The initial charges on the account were taken without the dental work being completed properly ( XXXX XXXX falling out 3 times and we are still waiting for the work to be completed properly ) Unfortunately we have no supporting documents because they have never responded to us. I do have phone numbers and names of supervisors if needed.
Company Response:
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A