Date Received: 2023-08-09
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: In XXXX. of this yr I rec 'd a notice that a temporary hold had been placed against my credit card, the reason being, unusual activity. I contacted the company & notified them the activity was legitimate & requested the lift the hold. I was informed they would review the matter. I waited several days, but no response. Once again, I contacted them & was told the acc't was permanently closed. This time I was told they were unable to verify my identity & the account could not be reopened but I could apply for a new card, which I attempted to do numerous times. Each time I tried I was asked for my last 4 soc sec # 's.each & every time I was informed that I already had an acc't with a zero balance and was unable to apply for a new card. I've tried dozens of times and have spent hours of times on the phone with the bank & written several ltrs. In addition, I met with a representative of the company 4 times & she spent several hours on the phone with the bank attempting to help me, to no avail. I wrote one last ltr to the president of the bank hoping he would help to resolve this matter this matter. He never responded. The problem seems to be that although that acc't has been closed it still appears as an open account on their books. I would very much like to open a new acc't since I was a customer since XXXX with no issues to speak of.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called to pay my account in full in XXXX of this year. I made the payment with a representative over the phone and specified it was to be paid in full. I was charged a late fee after paying everything in full which has no accrued late fees and interest. I tried to call on XX/XX/2023 to resolve the situation. I dialed the phone listed on the bill and when I choose 0 for representative it stated the call could not be completed as dialed.
Company Response:
State: PA
Zip: 18201
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: For weeks they have been calling more than 10 times a day from different numbers most starting from XXXX to after XXXX central time. They leave several messages regarding the debt that I have no relation to. Some voice messages are automated and others are not. These calls have become so excessive to the point where it is truly disturbing me, especially when I am not the person they are looking for.
Company Response:
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, 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: IL
Zip: 60630
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. I await your response.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, an unauthorized ACH payment for {$940.00} to Comenity Bank via automated phone system was made to my credit card account and cleared my checking account. I have never paid this account by phone and I did not make this payment. I have never set up any automatic or recurring payments. I have made all payments on time via the online portal, and the payment was not yet due ( due XX/XX/XXXX ). I contacted customer service. A dispute was initiated on the payment, but the payment was not refunded. While awaiting the dispute, a second unauthorized payment for {$1000.00} posted to my account on XX/XX/XXXX, again, made by phone from my checking account. I did not make or authorize this second payment. I contacted Comenity customer service again and was told that a request to refund the second payment and a dispute would be initiated. After receiving no follow up information, I called Comenity 's account protection number and was informed that a new card should be issued in case this was a fraud attempt. No refund of the unauthorized payments was made. Following this call, my account information was deleted/deactivated, so I now can not access my account information online. I believe that the account deletion happened to prevent me from obtaining documentation of these transaction through my account. These unauthorized payment have resulted in a negative bank account balance and may overdraft fees, with no resolution in sight. I am attaching one screen shot showing the second unauthorized payment scheduled on my now inaccessible Comenity account, and one screen shot of my conversation over the first charge with my bank.
Company Response:
State: KY
Zip: 411XX
Submitted Via: Web
Date Sent: 2023-08-08
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: These accounts and inquiries are not mine they was made without my permission, consent, inquires. XXXX XXXX Reported : XX/XX/XXXX Opened : XX/XX/XXXX, XXXX XXXX XXXX Reported : XX/XX/XXXX Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Reported : XX/XX/XXXX Opened : XX/XX/XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Company Response:
State: MN
Zip: 56201
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
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: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I hadba Torrid credit card and it was stolen and had racked up new charges I did not do. I paid some I did but I haven't used or had card in my possession for years.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/2023 I received a statement from Community-XXXX XXXX 's XXXX with a charge of XXXX as late payment : 1. I did not open this account, I did not purchase anything with this account. I did not receive a statement with any purchases. 2.This is the first mailing I received from this company. 3. The late fee was dated XX/XX/2023. XX/XX/2023 I received two credit report activity alert from XXXX Identity Theft Protection, one dated XX/XX/2023 and XX/XX/2023. XX/XX/2023 I called XXXX Identity Theft Protection :1. I filed a fraud report. 2. Froze my credit reporting accounts. 3. I'm awaiting a call from a representative to solve this between me and the credit card company. I do not want to contact the company on my own since its defiantly fraud.
Company Response:
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A