Date Received: 2023-07-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: THIS COMPANY HAD CHARGED -OFF ONE OF MY ACCOUNTS BUT FAILED TO SEND ME A 1099-C FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE FLORIDA STATUTE OF LIMITATION ON THIS DEBT IS 4 YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX last 4 SSN XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX Michigan,XXXX Dear Customer Relations : This letter is in reference to a late payment with the account I have with your company Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company. 1 am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I. Sincerely, XXXX XXXX
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XX/XX/XXXX I applied for and was issued a XXXX XXXX XXXX XXXX XXXX Credit Card. The card was issued by Comenity Capital Bank pursuant to a license from XXXX XXXX XXXX. The card offered cash back rewards in the following amounts : 5 % on gas station purchases and electric vehicle charging ; 3 % on grocery store, restaurant, travel, and XXXX purchases ; 1 % on everything else. The terms and conditions of the rewards are attached here as a pdf. The promised rewards were the primary reason I signed up for this credit card. XX/XX/XXXX : On XX/XX/XXXX I called to report suspected credit card fraud. During the call I realized that it was not fraud, but rather a legitimate charge made by my wife, who is designated as an authorized buyer on my credit card account. At that point, my wifes credit card had already been deactivated for suspected fraud, so a new one had to be issued to her. The charge in question remained on my statement and was paid for. XX/XX/XXXX : On XX/XX/XXXX I called Comenity Capital Bank customer service to report that rewards had stopped appearing on my statement from XX/XX/XXXX onwards ( a reward was also missing from a XX/XX/XXXX charge, but that was a dentist office charge, which may not have been eligible for any reward ). I noted to the customer service rep that the stoppage of rewards seemed to coincide with the cancellation of my wifes credit card described above. I was told by the customer service rep that it would be resolved in approximately 2 weeks. I asked what the next steps would be, but I was not given any instructions on how to proceed or on what I should expect to happen ( i.e., should I call again in 2 weeks?, would I receive a call or letter in 2 weeks? ). Nothing happened for a week. XX/XX/XXXX : On XX/XX/XXXX I called Comenity Capital Bank customer service to follow up on the missing rewards issue. Based on my conversation with this rep, he did not seem to be aware of the issue from what he could see in the system. I asked to speak to a supervisor, who did little to resolve the issue, but did at least see that the issue had been reported back on XX/XX/XXXX. I was not given any specific update or status on what was being done about the missing rewards. At this point, the rep started referring to the missing rewards issue as a dispute, as if it were still a fraud issue. I repeatedly told him that there was no disputed fraud. It was simply an error on the part of Comenity Capital Bank not issuing rewards I was entitled to. The supervisor was literally not able to know what was being done about this issue. He said a ticket might be created, but he had no way of knowing if XXXX had been or would be created. Essentially, he knew nothing about how this issue was being dealt with or even if it was being dealt with at all. He recommended that I submit an inquiry regarding the issue via the Comenity Capital Bank website Secure Message Center, which I did right after our phone conversation ended. I received a response the next day, XX/XX/XXXX, which was very generic and did not specifically answer any of my questions. I proceeded to have several electronic message exchanges with various Comenity Capital Bank customer service reps via the website XXXX XXXX XXXX over the next couple of weeks, none of which provided me with any specific answers. Furthermore, it was clear that the reps that I messaged with had no understanding of the situation, as they were talking about the situation as if it was still about suspected fraud, which it was, and still is, not. All message center correspondence is attached here as a pdf. XX/XX/XXXX : On XX/XX/XXXX I called Comenity Capital Bank to have them directly deposit my incurred rewards in the amount of {$110.00} ( excluding the missing rewards ) into my checking account with another financial institution. Ordinarily this could have been done online ( which I had done successfully once before ), but I was told that the website was being updated, which temporarily XXXX the rewards direct deposit feature and required customers to call Comenity Capital Bank customer service for incurred rewards direct deposit requests. At that point the only way to claim incurred rewards through the website was to take a credit for them against your existing balance. During this phone conversation, I asked about the status of my missing rewards, which at this point amounted to approximately {$29.00} ( by my calculations ). The ensuing conversation was similar to the previous XX/XX/XXXX phone conversation. At this point, I am very frustrated with the shoddy customer service and inability of Comenity Capital Bank to resolve such a simple issue. Furthermore, Comenity Capital Bank is not keeping its end of the deal with me. I have paid off my monthly balances on time. They have withheld rewards they promised me. They should not be allowed to do that and get away with it. Finally, I am put in a position where I no longer trust this financial institution and wish to end my relationship with them, but I have to consider the consequences of that action negatively affecting my credit score. Theyve got the proverbial XXXX of XXXX in the form of a ding against my credit score hanging over my head.
Company Response:
State: CA
Zip: 95125
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: First, I can not access to Comenitys response to my complaint. I closed the account based on their slow process of processing payments. It appears the slow processing goes past the due date and I was charged late fees. I paid XXXX to assure closure, and just received a bill for XXXX to complete the closing of this account. Please address this company 's dishonesty of processing payments.
Company Response:
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was having a financial hardship and was not able to pay my fee which was {$30.00} in the month of XXXX on time with Comenity capital bank/ Children place rewards card. I spoke with an employee there and they told me the late record would be taken off my credit report on all XXXX credit bureaus.
Company Response:
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
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: 33165
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
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: To whom it may concern this is my second time making a complaint because Comenity Bank still reporting an inaccurate account on my credit report. They claimed they have sold this fraudulent account Victoria Secret account number XXXX to XXXX XXXX XXXX XXXX on XXXX and Express account on XX/XX/XXXX. I sent comenity bank a certified letter with a return receipt on XX/XX/XXXX. They responded back letting me know they sold both accounts but still they are still reporting it continuously on my credit report. XXXX responded back saying inserting they reply from my last CFPB complaint here as follow. Company 's Response XXXX XXXX XXXX, XXXX ( " XXXX '' ) investigated your complaint. We previously closed the XXXX accounts ending in XXXX and XXXX, requested that the consumer reporting agencies remove our tradeline for the accounts from their consumer reports, and ceased all communications regarding collection of the XXXX accounts unless otherwise permitted or required by applicable law. XXXX does not control the way in which the consumer reporting agencies report the information furnished by XXXX. Accordingly, any differences in their reporting of the information which XXXX furnishes is the responsibility of the consumer reporting agencies, not XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. This is proof I will in close the picture of this response as of today these accounts never been reporting from XXXX XXXX XXXX XXXX. They responded with the wrong account number for Victoria secret account number supposed to be XXXX.
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX financial is HORRIBLE. After years of nothing but troubles I decided to setup automatic payments to pay off this card. My last payment would have been XX/XX/XXXX - XX/XX/XXXX was normal due date. I waited until the XXXX to log on and seen I had a balance of $ XXXX paid it. My statement posted and I have a balance of {$36.00} ( {$34.00} late fee + {$2.00} interest ) I called customer service and she said because I didn't pay the {$9.00} by the XXXX I was late but I had already had an auto pay setup for the first. She could only waive {$15.00}. I say it should all be waved. Her manager is going to review it but could not give me a timeline of when I would hear something. I just want the account to XXXX
Company Response:
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX Account XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states consumer reporting agency can not furnish an account without my consent.
Company Response:
State: SC
Zip: 29621
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
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: Comenity Bank continues to incorrectly report 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 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 Comenity Bank continues to incorrectly report payment activity which provides an incorrect date these accounts are scheduled to be removed. The seven-year period starts with the date of first missed payment. However, on the above accounts Comenity Bank has failed, repeatedly, to report the first missed payment or correct same after I filed multiple disputes. Additionally, there are 2 addresses that appear on my credit report : XXXX XXXX XXXX, XXXX XXXX, CA and XXXX XXXX XXXX in XXXX, TX. These addresses belong to attorneys that Comenity Bank retained to pursue me for collection. These are not MY addresses and should not report as places where I have lived. I have also disputed this multiple times and each time it was confirmed as my address. I finally reached out to XXXX 's XXXX XXXX and they have removed their attorney 's information as my contact information. Yet, they still have refused to correct the reporting of the above-mentioned accounts.
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A