Date Received: 2023-07-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX, I received my XXXX XXXX ( Comenity Bank ) bill for {$24.00}. I scheduled a payment through my banks online payment system for this amount for XX/XX/XXXX. In XXXX XXXX, my bank notified me that Comenity had rejected my payment. At about the same time, I received my XXXX XXXX XXXX XXXX, for {$51.00} the past due balance of {$24.00}, plus a late fee and interest of {$26.00}. I determined that the reason for the payment rejection was that I had not updated the XXXX XXXX account number in my online bill paying system ( XXXX XXXX had closed my previous account and opened a new one ). On XX/XX/XXXX, I paid the past due amount of {$24.00} through Comenitys web site. On XX/XX/XXXX, I sent a request through Comenity 's web site that they issue a credit for the {$26.00} in fees, explaining what happened and that I had made a good-faith effort to pay on time. On the same day, Comenity agreed to investigate, and stated, Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. Over the next 5 months, each XXXX XXXX bill I received continued to add on late fees and interest. In XXXX, the interest and late fees increased. I regularly inquired as to the progress of their investigation. On XX/XX/XXXX, in response to another inquiry from me, Comenity responded, in part, Once the dispute is completed all the necessary late fee and finance charges will be credited and also the payment history will also be rectified based on the results of the dispute. Once it is completed you will be notified by US Mail. I appreciate your patience in this regard. I received a letter dated XX/XX/XXXX, stating my account had been credited {$24.00}. Based on this, and because the dispute was now closed, I assumed all the necessary late fee and finance charges will be credited and also the payment history will also be rectified, as promised. On XX/XX/XXXX, I discovered that Comenity had reported me as delinquent to credit reporting bureaus. My XXXX bill showed no credits for either the promised {$24.00} or the late fees/finance charges. My credit score dropped 100 points, and other store-branded credit cards ( from Comenity ) have been restricted. I immediately submitted a dispute for the entire balance, and on XX/XX/XXXX, I received a letter from Comenity stating they were investigating. My XXXX bill showed no credits, only additional fees, with a balance due of {$320.00}. I received an email on XX/XX/XXXX, stating that Comenity had closed my account and sold it to XXXX XXXX XXXX XXXX XXXX, for collection. I can no longer access my account online, nor communicate with Comenity. It appears clear to me that Comenity has failed to follow its own process for handling disputes, and perhaps even credit regulations. I ask for your help.
Company Response:
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Problem with customer service
Subissue:
Consumer Complaint: I made a payment to my XXXX XXXX XXXX XXXX for {$780.00} on XX/XX/2022 electronically from my Citi Bank account in error. The payment should of went to the new company that XXXX 's sold the XXXX card to which was Comenity Bank. My bank XXXX sent me the information showing that my electronic payment cleared through XXXX 's but XXXX 's never sent the payment over to Comenity Bank or sent the payment back to myself, they just held the money the payment for {$780.00} for a year now. I am attaching all the information from XXXX Bank showing I made this payment and also a copy of my bank statement showing the electronic payment went to XXXX 's and cleared at XXXX 's. XXXX 's sent me now a letter stating that the payment was sent to Comenity BankXXXX XXXX XXXX Comenity has been charging my account interest for the XXXX as I've been running in circles trying to find out which company has my electronic payment. This has been going on for over a year now nobody can find my payment. Both XXXX XXXX XXXX and Comenity Bank say neither have my payment, but XXXX Bank shows me making a payment and a debit for XXXX in my checking account. I am sending all of the supporting documents in hopes someone can assist. XXXX XXXX XXXX Account # XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Community Bank XXXX XXXX Company sold debt to a collection. Contacted the collection company for documentation verifying this debt the company could not present documentation. Demanding a permanent block on the false information reporting to XXXX, XXXX, & XXXX.
Company Response:
State: TN
Zip: 37207
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The company reported in correct information about late payments. the company reported a 30 day and 60-day late payment. There were no late payments because the company sent the billing statement to the wrong address. I did not receive a request to pay the bill or the amount due. Regards, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company is reporting a debt that is not mines..I had requested multiple requests for validation including signed agreement and they had failed to do so.
Company Response:
State: MA
Zip: 02026
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: ComenityCapital Credit Card Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Removal of Fraudulent Ikea Credit Card from My Profile Dear Sir/Madam, I hope this letter finds you well. I am writing to address a serious issue regarding my credit profile with ComenityCapital. It has come to my attention that there is an Ikea credit card listed on my profile that is fraudulent and was not initiated or authorized by me. I kindly request the immediate removal of this card from my profile as it is negatively impacting my creditworthiness. I would like to inform you that I have taken the necessary actions to rectify this issue promptly. Firstly, I have filed a police report for this fraudulent activity, providing all relevant details in an effort to hold the responsible parties accountable. Additionally, I have registered an official complaint with the Federal Trade Commission ( FTC ) regarding this matter. As you are aware, the Fair Credit Reporting Act ( FCRA ) ensures the accuracy, fairness, and privacy of consumer information. Furthermore, it empowers consumers to dispute any inaccurate information on their credit reports. Section 611 ( a ) ( 1 ) ( A ) specifically states that credit reporting agencies must promptly remove information upon notification of fraudulent activity. Given the fraudulent nature of the Ikea credit card on my profile, I kindly request immediate action to comply with the law and remove this item. I have attached copies of the police report and the FTC complaint for your reference and records. Please acknowledge receipt of these documents and inform me of the steps you have taken to investigate and resolve this matter. It is imperative that this issue is resolved quickly to prevent any further damage to my creditworthiness. I request that you provide written confirmation of the removal of the fraudulent Ikea credit card from my profile within 30 days from the date of this letter. Failure to address this matter promptly and accurately may result in further action being taken, including the involvement of legal counsel to protect my rights as a consumer. I appreciate your immediate attention to this matter and look forward to your prompt response. Should you require any further documentation or information, please do not hesitate to contact me at the above-mentioned phone number or email address. Thank you for your prompt resolution of this issue and for ensuring the accuracy and integrity of my credit profile. Sincerely, XXXX XXXX
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX which is owned by comenity bank and XXXX sold my information to collection agency XXXX XXXX in which I did not have a binding legal contract. XXXX/ comenity bank and XXXX already received funds as tax write off XXXX still continue to sell my information to collection agencies and XXXX is part of this scam because they continue to put inaccurate information on my credit report. XXXX was listed twice on my credit report one as XXXX and the other as XXXX with the same account number opened in different years
Company Response:
State: NY
Zip: 11231
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT IT IS NOW XX/XX/XXXX AND XXXX FRAUDULENT ACCOUNT IS STILL ON MY REPORT! PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! XXXX XXXX LATE PAYMENTS Credit usage 100 % Balance {$570.00} Balance updated XX/XX/XXXX Credit limit {$350.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Status 90 days past due Status updated XX/XX/XXXX Past due amount {$100.00} Highest balance $ 571 Monthly payment {$29.00} Contact info Address XXXX XXXX XXXX XXXX, OH XXXX XXXX number None provided THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report 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 identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 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 federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Company Response:
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Capital Bank is showing that I'm more than 30 days late on my XXXX and XX/XX/2022 payments. This is showing up on my credit report. It has caused my credit score to spiral as a result. Because of this my other credit cards have reduced my available credit by thousands. This is keeping me from purchasing a reliable vehicle. I have bank statements showing that I made payments on time in both XXXX and XXXX of XXXX. I have filed multiple disputes with all 3 credit agencies and Comenity Capital Bank still refuses to correct this error on my credit report. I've tried speaking to them in person as well and just get the runaround. I need this fixed ASAP
Company Response:
State: TN
Zip: 37160
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for a zales/commenity card to buy a ring that goes off sale today. When going through the application process it error 'd out. But I got an email that I was approved. I contacted commenity bank and was told that I would have to wait 7-10 business days to get the card to register my account. I contacted zales. Zales said the card should be linked to my zales account. It was not. Zales said they could link it to my account. They sent me back to commenity, who said I should go to a store and provide ID to buy a ring in store. I advised I live in a rural area and the nearest store Is approx 60 miles away and the specific ring I got the credit card for is a clearance item and unlikely to be in store. I feel mislead as I was supposed to be able to use the card immediately. If I knew I was unable to use the card until I received it in the mail, and thus unable to use it for the only item I wanted to purchase, I would have never applied for the card.
Company Response:
State: WV
Zip: 262XX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A