Date Received: 2023-07-17
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 deeply concerning to me. I am worried about the impact it may have on my credit, as 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 significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I get this credit card a while back from XXXX through XXXX XXXX. I can't give you the exact date, but it's been while. As of XX/XX/2022, I have a balance for {$160.00} which was paid in full on XX/XX/2022 through my online account that I have with them. From that day forward the account was XXXX balance, but then on XX/XX/2022 they charge me {$3.00} interest charge, on XX/XX/2022 they added {$8.00} late fees and on the account that have XXXX balance. On XX/XX/2022 another {$1.00} interest charge were added, XX/XX/2022 a late fees for {$18.00} were added. When I visited my online account on XX/XX/2022, it says that I have a balance due for {$18.00}. I was like why I have a balance now, when I already paid in full. I ended up paying the balance that day anyway, because I thought maybe I paid the balance to fast that's why I was still being charged interest rates and late fees. But no, the interest rate and the late fees continue.XXXX I paid the balance they said that was {$18.00}, XX/XX/2022 new charge for {$1.00} interest rate, XX/XX/2022 {$19.00} late fees, XX/XX/2022 {$1.00} interest rate, XX/XX/2022 {$37.00} late fees, XX/XX/2022 {$1.00} interest charge, XX/XX/2022 {$41.00} late fees, XX/XX/2022 {$1.00} interest charge. On XX/XX/2022 made a payment for {$35.00} that what the online statement says I owed. Remember, I did not buy anything from the credit card since it's been paid off, it all interest and late that I'm being charged for no reasons at all. on XX/XX/2022 they charged {$37.00} late fees on the account that have XXXX balance, even after I paid, I was still getting late fees, can you imagine? On XX/XX/2022 {$1.00} for interest charge. Than I said ok this need to stop, so I called them directly XXXX, I asked them why I was being charges late fees and interest rate so much on a account that have XXXX balance. They didn't have an answer to that. Than I asked again how much I owe you now, they told me {$80.00}. I paid that on XX/XX/2022 and told them to close the account that same day. They've closed it, they've even send me a letter that was written on XX/XX/2022 to let me know that they account was closed. I thought everything was over with, but no! From XX/XX/2022 till today as I submit this complaint, they are still charging me, they're still sending me statements, not only that they continue to report me to all four credit bureaus and calling my phone countless time during the day to tell me that I owed them money. I even went back to XXXX XXXX to asked for help, they called them and put me on the phone with them, after I explained what's going on and questioned them, they hanged up the phone in my face. I need them to stop harassing me with their countless phone call, they need to stop messing up my credit score. I need them to clear up my credit with all the fake report they've added to it. I need them to pay me back all the fake fees they have charging me for no reason. I can't rest in peace with these people in my back like this, I can't. If my account is closed why am I being charge still. Please ask them That.
Company Response:
State: MD
Zip: 21804
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I have been customer of Victoria Secrets for XXXX years. when i went to pay online it prompted me to reapply. The inquirie needs to be removed. I called VS and spoke to a supervisor by the name of XXXX who said there is nothing they can do and dispute it with my credit bureaus. I am not understanding why they are unable to remove this hard inquiriy since it was there website having issues and i have been a member for XXXX years. I actuallly had to call in and pay because their system wasnt recognizing me as an existing customer
Company Response:
State: CO
Zip: 80916
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Good morning Express credit card : last XXXX of account number : XXXXComenity-express I paid off this account over the phone and requested it to be closed. The account was paid to zero. Then a couple weeks later I got a bill for XXXX XXXX i called the company and was informed that it was being recorded so I hope they still have it to confirm my part of my dispute. I had informed them that i paid off the account they looked into it and said that i owed a XXXX dollars for paying over the phone but when i was paying i was specific that no other charge was going to be added and our business was done then they said i had to pay again then i asked will i be charged for paying over the phone they said no so then i said so why was i charged in the start i refused to pay because i feel they are attempting to unlawfully take more money from me for no reason i paid off the account they are trying add charges that i was not made aware of and if they truly recorded our call i request those recording and it will verify my part. They have damaged my credit extremally and i would like help please. Thank you
Company Response:
State: CA
Zip: 93230
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Well XXXX XXXX I have contacted the creditors about dis account and ask them to dispute the items but they never did dispute so I writing asking for dis account to be removed off my file because the opening and closed dates are definitely wrong and also it's still showing that the account is still open which should been closed cuz I paid it off and they said it was going to be removed but did it so yo resolve dis issue asking for it 2 be removed off XXXX report only
Company Response:
State: IL
Zip: 60804
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I never received my bill for XX/XX/2023 statement for {$480.00}. I was charged an interest of {$94.00} on the statement amount. I pay the bill on time every month. I asked the agent on XX/XX/2023 to mail me a paper copy of my statement and she refused. Only when I said that I was filing a complaint with the government did she say she would send me a paper copy but I don't believe her since I asked for a paper copy at least 3 times before that and she refused. I also asked for her to remove the interest payment since I make my payments every month and that amount was excessive and she refused. I am asking for the interest amount of {$94.00} to be removed from my account.
Company Response:
State: PA
Zip: 19382
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of identity theft. XXXX XXXX had reported an open account on XX/XX/2023 in the amount of {$850.00} and {$1000.00}. XXXX XXXX XXXX reported an unauthorized account on XX/XX/XXXX. 2023 in the amount of {$540.00}. XXXX XXXX XXXX reported an unauthorized account on XX/XX/2023, in the amount of {$880.00}. I have contacted the frauds customer service lines to these accounts, and nothing has been. I need these accounts removed from by report IMMEDIATELY.
Company Response:
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I cleared the entire balance with XXXXXXXX XXXX XXXXXXXX XXXX card, issued by Comenity Bank XXXX days before the due dates. Talked to the customer representative and was promised that the amount listed in the total balance is the total amount. Two weeks later I checked the online account and was surprised to see {$58.00} and some cents charges. I called the bank customer service and talked to two people, a customer service and a bank manager. They both said the bank policy is to charge two months in rear interest. They will not waive the charges. I have canceled my credit card with Comenity Bank. Although it is not a large sum of money, I believe it is inappropriate for the bank to charge me two months of interest in the rear. I would appreciate your help. Regards,
Company Response:
State: AZ
Zip: 85207
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Both avenues to make payments was down. Using the phone, after I entered my payment information the phone app canceled my transaction. So I went to the app. The app did the same thing after I entered my checking account information the app canceled the process. And they will do nothing about it except charge a late fee. This is an unfair process for customers. Something needs to change. Who is accountable??? Just the customer
Company Response:
State: LA
Zip: 71111
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I paid the entire balance ( {$0.00} balance ) on my store card from Comenity Bank and didn't use the card again until XX/XX/XXXX when I became aware of the following charges to my account ( outlined below ). I immediately paid the balance and told the representative that I was completely unaware of these transactions. If I would have known, I would have taken care of the initial fee of {$2.00} that has snowballed over 3 months to {$30.00} and also resulted in a late payment notice to my credit report causing my credit to drop by XXXX points. I have not had a late payment booked to my credit report in XXXX years. I work hard to ensure all my bills are paid on time to maintain a good credit rating. This series of events has caused severe damage to my credit report which is really unwarranted because I would have immediately paid the {$2.00} if the company had sent me an email, text, or called to let me know they booked a fee to my account. I didn't become aware of the charges until I tried to use my account again in XXXX and it was declined. So I called the company and the customer service rep made me aware of a {$30.00} balance which I paid the same day. Below is an outline of how the {$30.00} accrued to my account over the course of 3 months. Again, I was completely unaware because the company didn't notify me and I wasn't checking my account online because I wasn't using the card. XX/XX/XXXX - I paid my account balance to {$0.00}. XX/XX/XXXX - Min interest fee of {$2.00} was charged to my account then ; XX/XX/XXXX - Late fee of {$2.00} XX/XX/XXXX - Min interest fee {$2.00} XX/XX/XXXX - Late fee of {$6.00} XX/XX/XXXX - Min interest fee of {$2.00} XX/XX/XXXX - Late fee of {$14.00} XX/XX/XXXX - Min interest fee of {$2.00} XX/XX/XXXX - I paid the account balance to {$0.00} I'm fine to settle the debt with them but I dispute the late notice being posted to my credit report because I was never aware of the balance. CFPB please help me to get this delinquency removed from my credit report and return my credit score to a normal well-earned level. Many advance thanks for your time and attention to this matter. I appreciate your help so much. XXXX XXXX XXXX
Company Response:
State: NC
Zip: 28226
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A