Date Received: 2023-07-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have made several payments to XXXX XXXX and yet their payments will never pass through my bank at XXXX I had to stop payment on them contacted XXXX will not work with me the case is still under investigation according to XXXX I just got off the phone with a representative and yet theyre reporting major derogatory information on my name while its still under investigation they also have a representative calling threatening to come put me in jail, lock me up whatever it is to collect this money for this credit card, when its still under investigation I have the recorded messages I have the letters from my bank for my bank is tried several times To clear this case up in XXXX XXXX refuses to work with me or my bank they would rather report me as a bad consumer Im sure you guys allow this for companies helps them not me its destroying my credit and yet all my other cards are being paid through XXXX in the same manner Im tired of being harassed by their phone calls every day XXXX times they call back for XXXX times numerous throughout the entire day. They make sure they call XXXX times back to back before they hang up.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I sent a check to pay off my Comenity Bank/CEASARS REWARDS Visa card in the amount of {$4200.00} using check number XXXX. This payment was sent by mail from my home on XX/XX/23. I have provided a copy of the check that has cleared the bank on XX/XX/23. This check was provided due to a mortgage refinance to pay off my debts. Unfortunately, this payment has not been applied to my account. I have sent multiple secure messages providing an image of the cleared check, spoke with multiple customer service representatives, and am now being told that I need to submit a new request for review in writing as of XX/XX/23. I have never had this much trouble with a credit company researching an error that has been reported.
Company Response:
State: NC
Zip: 28056
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Comenity Bank continues to use various debt collection companies to report debt from several years ago as new debt. It was an result of identity theft which happened several years ago. Recently they added to my credit report an Ann Taylor card of {$500.00}. They are reporting on my credit that it was debt charged off and owned as of XX/XX/XXXX which is not only inaccurate but was reported as theft dating back to XXXX. They are using companies like XXXX and other debt collection companies to keep moving the fraudulent debt around. They did this with New York and Company also.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I just recently started my credit and dont know what this hard inquiry is from.
Company Response:
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: See Complaint # XXXX. See Complaint # XXXX. It's going on XXXX months, and Comenity Capital Bank has failed to properly look into a dispute I put in over a {$100.00} fraudulent charge. They have not contacted the motel which falsely claims that I 'took towels. ' They have not asked them for any proof of this. Instead, Comenity Capital Bank has just apparently decided it's easier to side against me ( without any formal letter of explanation ), and has already contacted the credit agencies which have now wrecked my excellent credit record! This bank is horrible in the way it does business!
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding the false report of late payments on my account with Victoria 's Secret. I believe this situation warrants your intervention and assistance in rectifying the inaccuracies on her credit report. I experienced significant difficulties in making timely payments due to the simultaneous occurrence of COVID-19 and Victoria 's Secret 's system outage. In XXXX, when she contracted COVID-19 and was subsequently hospitalized, I was unable to make payments through the online portal, as the system was down. This was confirmed by Victoria 's Secret 's representative, a manager with whom she spoke after my hospitalization. The manager assured me that late fees would be waived, and the late payment reports would be rectified due to the system crash. However, upon receiving her statement, I discovered that only the late fees for XXXX were waived, and the inaccurate reporting of late payments for XXXX, XXXX, and XXXX remained. This discrepancy is deeply concerning and requires immediate attention and correction. According to Victoria 's Secret 's own statement provided to the Consumer Financial Protection Bureau, a system update caused service interruptions and updates to credit reporting agencies were temporarily paused during a system enhancement that occurred in XX/XX/2022. The company admitted that these outages were frustrating and apologized for any inconvenience caused. Furthermore, they explicitly stated that to avoid potentially reporting inaccurate information, updates were paused during this system enhancement. It is evident that any reporting of late fees during the aforementioned months is inaccurate and should be rectified promptly. My credit report should reflect the accurate and true representation of her payment history during this period. As I am in the process of moving and seeking to secure housing, the inaccurate reporting of late payments could have severe implications for her future financial stability. I kindly request your immediate intervention in this matter to ensure that Victoria 's Secret corrects my account information accordingly. This correction should include the removal of the late payment report for XXXX, as it coincided with her battle against COVID-19, and the accurate reporting of XXXX and XXXX, as these were the months when the payment system experienced a crash. I would like to draw attention to relevant credit laws that protect consumers in such situations. The Fair Credit Reporting Act ( FCRA ) requires accurate and fair reporting of credit information, allowing consumers to dispute and correct inaccurate information on their credit reports. Additionally, the Equal Credit Opportunity Act ( XXXX ) prohibits discrimination based on factors such as XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, or receiving public assistance. I expect fair treatment and compliance with these laws. Furthermore, it is worth mentioning that Victoria 's Secret has a grace period for the month of XXXX, which provided an opportunity for me to get her credit statement back on track. Unfortunately, the subsequent system crash hindered my ability to maintain regular payments. I urge the Consumer Financial Protection Bureau to use its authority to ensure the necessary corrections are made promptly and that my credit report accurately reflects my payment history. Your intervention is crucial in safeguarding her financial reputation and preventing any potential hardships she may face in securing housing or other financial transactions. I have enclosed relevant documents, including the statement provided by Victoria 's Secret to the CFPB, as supporting evidence. Should any additional information or documentation be required, please do not hesitate to contact me. I appreciate your attention to this matter and look forward to a swift resolution. Thank you for your assistance. Sincerely.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
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 presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to 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: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
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: XX/XX/2023 I contacted XXXXXXXX XXXX XXXX about unauthorized charges on my XXXX card on my XXXX statement. I have attached a copy of the correspondence. My XXXX statement arrived with a credit for one of the charges and fees associated with that charge. The remaining charges disputed have not been acknowledged and remain as a balance due. Attached is their correspondence addressing one charge. XX/XX/2023 I sent another letter to address the unauthorized charges. No response. See attached. XX/XX/2023 I sent another letter to address the unauthorized charges. No response. See attached. I have just received my latest statement that has a balance due with the unauthorized charges as well as late fees. I have been notified that this has now shown up on my credit report. I want these charges addressed and removed immediately. We are at the 4 month mark, which is well over the required time to address and resolve. I would like to know what my legal rights here are for charges against Comenity Bank as well as inquire on their PCI compliance since this card is still in my possession
Company Response:
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: COMENITYCAPITALBANK/XXXX This account is being reports twice ( 2 time ) on my all 3 credit bureaus with a balance of {$7600.00}. Multiple calls to the creditor to request the remove the duplicate account have been ignored. Disputes to the credit bureaus have also been ignored. The correct balance is {$4600.00} and is being reported correctly in the second account.
Company Response:
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There has been XXXX credit cards opened in my name that was not me dating back from 2014. They are all listed as charged off. I've disputed these accounts with the credit card companies, filled out affidavits for multiple companies. Ive also disputed these accounts with XXXX XXXX, XXXX, XXXX, and XXXX and need these to be removed from my credit report. There are credit cards opened for XXXX, Target who refused to acknowledge my dispute, XXXX, multiple from XXXX XXXX, XXXXXXXX XXXX Comenity BankXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, and multiple from XXXX XXXX. Dating ranges from XXXX. All opened under my name, assuming by my ex wife without my permission or knowledge.
Company Response:
State: TN
Zip: 37664
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A