Date Received: 2023-08-07
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, or consent, inquiries, COMENITYCAPITALXXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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: 560XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: 1 ) Between the months of XXXX XXXX, I made an over payment to my XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$950.00}. 2 ) On XX/XX/XXXX I relocated from : XXXX XXXX XXXX, XXXX, VA XXXX and relocated to : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 3 ) In XX/XX/XXXX, I contacted Comenity Capital Bank in reference to receiving my new XXXX XXXX XXXX issued by Comenity Capital Bank and during this telephone conversation the Comenity Capital Bank Customer Service Representative told me that I had a credit of {$950.00} and placed a dispute on my behalf, in order for me to receive my credit of {$950.00}. 4 ) In XX/XX/XXXX XXXX XXXX XXXX issued me a refund check in the amount of {$950.00}. Note : To date, I've not received a refund check nor have I cashed a refund check from XXXX XXXXXXXX XXXX in the amount of {$950.00}. 5 ) On XX/XX/XXXX, XXXX XXXX XXXX stopped all XXXX XXXX XXXX transactions. 6 ) In XX/XX/XXXX, Comenity Capital Bank took over issuance and servicing of the existing XXXX XXXX XXXX from XXXX XXXX XXXX. 7 ) In XX/XX/XXXX, a Comenity Capital Bank Customer Service Supervisor instructed me to contact XXXX XXXXXXXX XXXX in reference to {$950.00} refeund check issued to me from XXXX XXXX XXXX. 8 ) A XXXX XXXX XXXX supervisor told me that XXXX XXXX XXXX had no records of my XXXX XXXX XXXX XXXX and that everything XXXX XXXX XXXX had involving the XXXX XXXX XXXX XXXX program was provided to Comenity Capital Bank to include all the historical records and the issued refund check. 9 ) The XXXX XXXX XXXX supervisor also told me that Comenity Capital Bank could verify that the refund check was not cashed, perform a stop payment on the refund check and re-issue me a refund check and that it shouldn't take Comenity Capital Bank months to refund me my money.
Company Response:
State: FL
Zip: 33993
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: 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 XXXX that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33614
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: 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, or consent, inquiries, XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 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: 560XX
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: 2023-08-07
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, or consent, inquiries, COMENITYCAPITALXXXX Inquiry XX/XX/2021. 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: 560XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2022 I sent Comenity a payment of {$99.00} towards my XXXX XXXX via my bill payment service. Comenity never cashed the check nor credited it to my account. On XX/XX/XXXX I noticed this and called Comenity to notify them that they had lost my payment, see if I should send a replacement payment, and ask for the late fee to be removed. The Comenity representative that I spoke to said that I should resend the payment. When I expressed concern about the payment arriving in time, Comenity stated that they would put a note in my account that a replacement was being sent and I would not be charged a late fee. When I asked for the late fee to be removed, the representative said they were unable to do so until Comenity had done an investigation. I asked about late fees for that and Comenity stated that I would not be charged late fees during the investigation. XX/XX/XXXX, my XXXX XXXX service mailed the replacement payment. I also stop using the card until I can decide whether or not to close it. XX/XX/XXXX, I realize Comenity has never contacted me about their investigation. I call to find the status of the investigation to find that Comenity has closed the investigation without making any attempt to communicate with me, while stacking multiple late fees despite explicitly stating to me they would not do so. Comenity refuses to tell me what they were investigating, why they never contacted me and also refuses to remove the late fees. After repeated protests Comenity tells me to send documentation of the payment through their web portal. I do so. Following this Comenity spends weeks refusing to answer questions, making factual errors, and requesting that I send additional account information even though I am using Comenitys secure messaging center. I am also told to contact various other departments by phone, who also refuse to help. This continues until I receive mail stating my account was closed. When I ask Comenity why my account is closed, Comenity removes my access to the messaging system and my account records. This brings us to the present day. Comenity flaws that are not specifically relevant to this complaint : Comenity takes forever to process payments. Of the last five payments I sent, Comenity took 12 days, 19 days, 11 days, 10 days, and 13 days to credit my account. Other physical checks sent by my bill payment service are being cashed within 4 days of mailing. Comenity pushing customers to use a web portal and then shutting off access seems like an intentional attempt to deprive customers of their own account information. Comenity was sending a monthly email notification of statement availability but stopped for no apparent reason in XX/XX/2022. Comenity sent a document stating that my account had been closed at my request. I did not at any time request my account be closed. When I sent a message via Comenitys secure messaging center asking why my account had been closed, Comenity made a reply, triggering a notification, and then turned off my access to so I am unable to read the message.
Company Response:
State: OR
Zip: 971XX
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have 2 different comenity accounts, one for Big Lots and my newest one through XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX When I got my first bill for big lots 8 months ago, they did not cash my check for weeks thereby marking it late and assessing me fees that I should have not accrued. I called the company and they finally removed the fees and I haven't had a problem since with them. I got my first bill from XXXX & XXXX last month and sent my check even earlier, knowing what happened with Comenity last time and now, almost 3 weeks later, I get another bill with {$86.00} in fees for a bill I was paying off in full. They have not cashed my check and I just had to put a stop payment on it. The bank shows it was sent out in time to be received and processed. This time, they will not do away with the fees. Short of me driving across the country to hand deliver this check, I'm at the mercy of the bank, post office and comenity to guarantee it gets there and on time. I find it far too coincidental that in 8 months with 100 % of my comenity accounts, the same trick has been played. They haven't had difficulty in receiving my other payments and nothing has changed.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity bank has called me multiple times in one day, for many days in a row. The calls range from 3-5 calls in one day. XX/XX/XXXX ( 5 calls, times not recorded, but screenshots available ) XX/XX/XXXX ( 3 calls, times not recorded, but screenshots available ) XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX This is a direct violation of The Fair Debt Collection Practices Act ( FDCPA )
Company Response:
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
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 has violated my consumer rights. Under 15 usc 1681 sec. 602 states I have the right to privacy. 15 usc sec 1681 sec 604 A sec 2 : a consumer reporting agency can not furnish an account without my written instructions. 15 usc sec 1666B a creditor may not treat a payment on an open consumer credit plan as late.
Company Response:
State: TX
Zip: 77433
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/2023 I paid my credit card balance to XXXX XXXX in full. This isnt the first time they pull this. I received a notice from XXXX XXXX that the reported I was delinquent. When I called them they said a XXXX charge hit the account shortly after I paid in full despite me having called them and now Im two payments behind of XXXX each which are late fees attached to the XXXX fee that hit. I called them when I paid to make sure it was all caught up. This is a shady practice by cards that do this when you arent paying attention. I wont pay them because I made sure I wouldnt get charged again as they had done in the past. And here we are. They did it again
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A