Date Received: 2023-07-28
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: On XX/XX/2023, a dispute was filed against Comenity. The report number is XXXX and I have no reason to believe that an investigation was done. Comenity has not updated the remarks to indicate that any true investigation was conducted. Account Number XXXX has not been investigated and has VIOLATED the FCRA 605- indication of dispute by consumer. attached are the dispute proof and how the account is currently being reported.
Company Response:
State: MO
Zip: 63090
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Commenity bank continues to call my family members and discuss that I owe a debt and tries to collect from them and calling multiple family members more than once
Company Response:
State: UT
Zip: 84015
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
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 statute of limitations on debt in the state of Tennessee is six years. This means that if a debt has not been repaid in six years, the lender can not sue to collect the debt. Charge offs are considered income according to the IRS, I never received a 1099c from this company although the debt has been sold to a third party company. Income is forbidden to be on a consumer credit report according to congress 15 ISC 1681-2 ( a ) ( i ) No transactions or experiences are allowed to be on a credit consumer report.
Company Response:
State: TN
Zip: 38305
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXXSEE ATTACHED DOC* To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Company Response:
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Comenity bank calls everyday including weekends and several times a day and says it's urgent I call them today and settle a debt with another credit company. I have never heard of either company and I don't owe them anything. They have never mailed me anything. The only information they have is my phone number and my past last name ( XXXX ). I've been remarried since 2018
Company Response:
State: NC
Zip: 28092
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem when making payments
Subissue:
Consumer Complaint: Comenity Bank is intentionally delaying the posting of payments so they can charge late fees. This has happened 3 times now. Despite the fact that my bank account show my payments posted 10 DAYS prior to the due date, they continually will not post the payment on their end until the day AFTER the due date. Then they charge me a late fee. Getting them to reverse the late fee takes weeks and several phone calls. All the while, the balance on the account is grown because of the fee. This loan is on a specific term of 0 % interest. I believe they are intentionally doing this in hopes that I won't notice and that I'll miss the payoff in time, which would result in owing them a bunch of back interest. I can not see how they can't show my payments as posted when it shows being debited from my checking account 10 days earlier. This company is a complete fraud and trying to take advantage of people. Please review attachments.
Company Response:
State: NV
Zip: 89521
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: This company provided the most inept, frustrating customer service experience of my life, wrongly withholding {$250.00} from me for nearly XXXX months as a result. On XX/XX/XXXX I received an email informing me of a {$250.00} rewards redemption on my XXXX card. It was clearly fraudulent. I responded to the email and messaged Comenity through the website to tell them it was fraud. I also called the company and spoke to someone for over an hour detailing what happened. I received no communication from the company for several weeks, and then months. When I messaged them through the website, I got stock replies. When I called, I got conflicting messages from their customer service personnel which left me with the impression that no action was actually being taken. XXXX months after my initial complaint, they sent me a letter asking me to write them and describe what happened, even though I had already explained the situation multiple times on recorded lines. They clearly had not been doing anything to process my complaint. After I wrote them, they replied with Thank you for contacting us please allow up to 90 days for us to complete our investigation. No acknowledgement that this was an ongoing case. No recognition that I had been trying to deal with this for months. Nothing. Later in XXXX, I complained to them on XXXX. They messaged me back, telling me to call the rewards center. The folks at the rewards center said they had no record of my complaint, and no open dispute! After XXXX and a half months, all my attempts to get their attention had produced nothing in their organization. Nobody was talking to each other. Eventually, I went back to the XXXX customer service person, and they were able to investigate the issue and restore my rewards balance in less than XXXX hours! They had the ability to handle it the whole time, but instead the company strung me along for months without communication because of their ineptitude and contempt for me as a customer.
Company Response:
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
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: I got a card with COMENITY BANK/ VICTORIA 'S SECRET on XX/XX/XXXX. I was having problems with this card and I decided to call customer service on XX/XX/XXXX in order to pay off my balance, as well I made a request to close my account. The customer service representative on the phone confirmed to me that my account was paid in full and my balance was XXXX. In addition she said that per my request she would close the account. Customer service representative provided me with a confirmation number # XXXX to confirm the closure of the account. Thereafter, a few months later I got a bill in the mail for {$4.00} and I called again to let them know about this bill and for them to correct the mistake. I was under the impression this account was closed. The customer service representative from Comenity Bank apologized to me and reassured me they will fix this mistake and they will fix it with their collection department and make sure it is deleted from my credit. Now we are in XXXX and this Comenity Bank/Victoria 's Secret company has reported late payments on my credit 4 times by mistake. This is affecting my credit and I really need help from the proper department in order to resolve this matter. Attached are all information that proves when I paid off this card and my request to close my account on XX/XX/XXXX. my account number with all credit company 's XXXX # XXXX XXXX # XXXX XXXX # XXXX I did some research on consumer rights and regulations. Based on 15 U.S code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer the consumer identifies as information that resulted from alleged identity theft not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft!! Please delete these items immediately. Less than 15 U.S code 1681b permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. I never gave any consumer reporting agency written consent to report anything on my consumer report, which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the account listed immediately! Thank you for all your help with this matter. Sincerely XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92083
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023 I signed into my XXXX account which has my credit card on file and noticed fraudulent charges. I am mediately notified XXXX and told them to cancel these fraudulent Purchases, That were made online and were being shipped. They told me to contact my credit card company. I immediately notified COMENITY capital Bank my credit card holder. After her reporting the fraud, my credit card was canceled a new one was issued. Comenity capital bank told me not to worry these are fraudulent charges I would not be held responsible. Even so I notified XXXX and XXXX and told them of these fraudulent purchases they both told me that they could not cancel the shipment only the center XXXX could do that! They would not tell me the address these items were being sent to but they did confirm it was my ZIP Code but not my address. I noticed that the company The items was being ordered from was called the way well and try to find them on the Internet I could not find this company however through XXXX I was allowed to contact them as a third-party I informed them that these were fraudulent purchases coming from their company and being sent to a fraudulent address! They never responded. I also contacted XXXX XXXX XXXX and Comenity bank via XXXX. Trying to stop these fraudulent purchases before they were sent as they were purchased online in a week went by before these were actually sent. {$150.00} / {$190.00} / {$190.00} after constantly worrying and much time trying to stop these fraudulent purchases Comenity capital bank sent me a letter in XXXX stating I would actually be responsible for all these charges! This is absolutely outrageous and everyone had time to stop the shipment before it happened I did nothing. I am a senior citizen on a fixed income and I refuse to pay for items I did not purchase. Needless to say I no longer have a wallet account with an online credit card at XXXX or anywhere else after this incident.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a Lexus Comenity Credit Card. Last month my minimum payment was {$140.00}. I have set my autopay at a fixed amount of {$200.00}. I have made NO PURCHASES since my {$200.00} payment. NOW my minimum payment on my next statement is {$200.00}. Why? Because the interest rate went up from XXXX XXXX ( which is criminal ) to XXXX XXXX ( which is even MORE CRIMINAL ). I was NOT given XXXX days notice of the interest rate being raised and even if I was notified, if they keep raising the interest rate after I make a payment to lower my balance, I will NEVER get my balance. This is deceptive and fraudulent. Comenity is taking advantage of me and probably thousands of other credit card holders. It's ridiculous to charge a higher interest rate, when I made a purchase at ONE interest rate, and it goes up when I made NO PURCHASES. This kind of business practices is deserving of a class action lawsuit.
Company Response:
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A