Date Received: 2023-07-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They keep calling me multiple times saying that I have an escalated status which I think means it went to collection I told them I am in the process of applying disability because of my mental conditions and XXXX but the lady said that I still needed to pay the minimum which was {$120.00} approximately and I said I'll ask my sister to help me pay that amount but she can't because of her situation and I'm left here thinking something might happen or something and I'm barely sleeping worrying about them and them calling me and reminding me is not helping in the slightest bit.
Company Response:
State: PR
Zip: 00617
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called this bank up and asked for the payoff amount and I paid the amount over the phone with my debit card. This was approximately around XXXX of 2022. A month later in XXXX I received a bill for {$2.00}. I called them up and they said it was an interest charge. I asked them to remove it since I had called them up and asked for the payoff and paid that amount. this obviously was an oversight on their end. They refused to remove the charge and they have been charging me late fees and interest charges ever since. The card and account have been closed and I have not used it. I was a loyal customer for a very long time. I feel this is illegal to be charging interest on top of interest and late fees. My bill is now up to {$170.00}. This is from a {$2.00} interest charge. they have currently been charging {$41.00} per month on late fees.
Company Response:
State: AZ
Zip: 85396
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have been a victim of a scam by a dental practice. ( XXXX XXXX ) Located in XXXX Florida They deceived me into paying for services that were never provided and presented plans that are not even offered by XXXX XXXX. I took action by filing disputes with my bank twice, providing substantial evidence to support my claim of not receiving the promised services. I have provided text messages of plans offered and not rendered. It is deeply unfair that the bank has not supported me in this matter, considering I was not provided the services I paid for. Despite reaching out to them numerous times, I have been continuously redirected from one department to another, without any resolution or answer. I strongly believe that the bank should prioritize its customers. The appropriate method for conducting a XXXX consultation is through an in-person visit rather than over the phone, where pictures are provided to a coordinator. It's important to note that a coordinator is not a doctor, and their expertise may not be sufficient for an accurate assessment.
Company Response:
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I enrolled into autopay and have been for a while. My account is supposed to have been paid {$350.00} on the XXXX of each month. Since XX/XX/XXXX no payments have been processed. I am now still in debt to them while they continue to charge interest to me and for some reason have not taken any of my payments. When I called and spoke to them they could not give me an answer as to why the payments were not taken out. Essentially they are keeping me in debt though I have signed up to make payments.
Company Response:
State: NE
Zip: 68134
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was unable to make a purchase without a security code text message. I had no access to my cell phone at the time of my transaction. I was prompted to call a company number for assistance if unable to verify through that method ( text message ). Upon multiple transfers to various departments I spoke to someone who could help verify my account without my cell phone. Her question was regarding my horescope, XXXX, XXXX and other astrology terms Im unfamiliar with. I told her I didnt know what that was but I could google it. I was scorned and told this was not allowed. I told her I would just have to pay for my transaction with a debit card and thanked her for trying to help me. Later that same day ( I now had my cell phone ) I attempted to call customer service again to resolve the issue. I was informed my account was canceled after failing to provide the information requested because of potential fraud. I did not violate any terms, and I attempted to follow up only a few hours later. If the concern was fraud, why didnt anyone attempt to notify me? No freeze on my account, no email, no phone call? There were no transactions that were suspicious on my account. Ive never heard of getting an account closed without even trying to speak with the consumer. Its a horrible way of doing service. I was unable to make a purchase and when attempting resolution I was met with ridiculous expectations to meet. Utilizing ONE incorrect astrology question as a reason to terminate my account is discriminatory. Had I been a follower of astrology my account would still be open.
Company Response:
State: CA
Zip: 93536
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I received a letter stating that i applied for an ultimate rewards Mastercard and the application was unable to be processed due to requiring my social security number or other identification number. I did call the credit card company and explained what was going on. The representative stated that the application was submitted XX/XX/2023 and was Unable to be processed. The representative recommended to make a report.
Company Response:
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is a formal complaint that COMENITYCB/FOREVER21 are reporting inaccurate and incomplete credit information. This is in direct violation of 15 US code 6801 as well as 15 US code 6802. COMENITYCB/FOREVER21 has not contacted me in any way informing me that they would share personal information with a third party. I do not want any personal information shared with COMENITYCB. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : - COMENITYCB unkown amount as all three bureaus are reporting different balances. I request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my wet signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, please remove all non-account holding inquiries over 30 days old.Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I am also seeking compensation on this matter for COMENITYCB violation of my consumer rights. I would be willing to settle out of court for half the amount that I am owed for such violation. If there is no payment made. I would like to take this matter to the courts to sue COMENITYCB for these violations. Thank you
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company has responded saying that they have nothing to do with my person
Company Response:
State: OH
Zip: 44111
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
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 / Victoria poses a mistake reporting wrong information in my credit report ... this account is not mine .... was open in XX/XX/2022.
Company Response:
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a XXXX XXXX credit card which I am unable to use. I have been paying {$100.00} a month for over a year but the amount owed never goes below {$700.00}. I have had several issues with Comenity Bank and I really can't deal with them. I'm XXXX XXXX XXXX and every time that I have called them my XXXX and XXXX XXXX elevates.
Company Response:
State: NY
Zip: 11040
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A