Date Received: 2023-06-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Made a purchase From Biglots/Commenity Bank and set up automatic payments on the phone with a member of customer service. I received a call from the XXXX and a statement that says I'm two months behind and it is reporting on my credit now. Please help me!
Company Response:
State: FL
Zip: 33541
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
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: On multiple ocasions my XXXX and I have contact the XXXX XXXX XXXX XXXX about the on going issue were we purchased an item and return it yet we have not recieved a credit. We are looking for resolve and hoping someone can help us in this matter.
Company Response:
State: FL
Zip: 33541
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX Victoria Secret ( Comenity bank ) I have requested information from the creditor due to a Victoria Secret credit card ( Comenity bank ) opened in XXXX and closed in XXXX. I have not used this credit card since than. They are saying I owe {$700.00} when I only had a credit limit of {$250.00}. They have also said that I made a payment in XX/XX/XXXX when in fact I did not, because of this, this is re- aging on my credit, continues to be sold to different creditors. The negative re-aging debt on my credit report is changing the delinquency status of all my credit reports, I have filed dispute after dispute and nothing has been resolved. I request that the harassments of text messages and phone calls stop, and this debt fall off my credit reports.
Company Response:
State: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I am contacting you during normal business hours at XXXX on Wednesday XX/XX/XXXX. The portal to access my credit card information for the XXXX XXXX card is unavailable. The account service rep I spoke to on the phone advised this is due to site maintenance. Site maintenance can not happen during normal business hours for the country in which the product is based. This is a violation of UDAAP and is unfair and deceptive.
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I completed a debt consolidation loan with one of the banks I work with ( XXXX XXXX XXXX XXXX ). They requested the ability to send cashiers checks directly to some of the creditors we were paying to which I agreed. The largest debt was an XXXX XXXX credit card issued by Commentity Bank. The balance at the time the check was sent ( XX/XX/XXXX ) was XXXX but the check was sent out for XXXX because it had not included a payment i recently made. According to the mail tracking the check was received on XX/XX/XXXX and the balance had not changed. On XX/XX/XXXX I noticed the check had not been credited to my account so I began calling in because I started incurring " interest charges '' of XXXX. I opened a dispute and sent them copies of the check, the delivery receipt from the mail, and included the payoff form they sent us. It has now been 2 months and I have called them dozens of times, my bank has called them dozens of times but the bottom line is they told me that I would not need to worry about making a payment while they located the check and I have that in writing. They knew I was in the middle of buying a home but I can not close until they show the account at a XXXX balance. I have also been paying on my new loan with onpoint. I work up yesterday to see that they reported me 30 days late and that dropped my credit score by over XXXX points. Every time i reach out to them I get someone new and the same response or a different story entirely. They will not sign the form to release the check and continue to tell me that checks can take 30 days to process and disputes can take up to 90 days to process. I am BEYOND furious at this point and need someone they will listen to and respect to intervene.
Company Response:
State: ID
Zip: 83646
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have two store credit cards with Comenity Bank ( XXXX XXXX and XXXX XXXX XXXX ). Lately theyve been calling 6 times a day so I assumed three calls per each card ( which is still excessive ). However, today on XX/XX/2023 they called me at XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX PM, and XXXX. After they called the first three times, I started blocking the numbers and they started calling from new numbers. I have intentions on paying my bill next week. I just would like the excessive calling to cease. They also are calling from blocked phone numbers all day, but I can not prove its them because it says no caller ID.
Company Response:
State: IL
Zip: 60563
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
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: A police report was sent to remove fraudulent accounts to be removed
Company Response:
State: NC
Zip: 28215
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX, XXXX,, XXXX along with the other accounts and documents i have submitted with the names of the inquiries, have all been submitted. Because I do not recognize how these accounts listed below and all the hard and soft inquiries that is reporting on my credit report.got there. I do not recognize the account number, I do not recognize the account status, I do not recognize the account balance, nor do I recognize the late payments associated with it everything reported here does not meet the FFCRA and should not be on my credit report at all nor should those inquiries. here are some of the creditors : 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 XXXXXXXX services opened XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX to XX/XX/XXXX {$1400.00} XXXXXXXX XXXX XXXXt # XXXX {$380.00} I ALSO HAVE WRONG NAMES, ADDRESSES, PHONE NUMBERS ATTACHED TO MY CREDIT REPORT AS WELL THAT I HAVE ASKED NUMEROUS TIMES TO BE REMOVED i have attached documents of those names addresses and phone numbers Code 15 USC 1692 g Validation of debt AND 15 USC 1692 ( e ) ( 3 ) false or misleading representation of my credit and has impacted my lively hood as well as my credit. Also while reviewing my personal credit report, ( Ref # XXXX ) I noticed some inaccuracies in the public records area of my file. I believe this may be a error because this/these do not belong to me. Please remove this from my file and send me an updated credit report reflecting the accurate information. According to Rule 9037. Privacy Protection For Filings Made with the Court ( a ) Redacted Filings. Unless the court orders otherwise, in an electronic or paper filing made with the court that contains an individual 's social-security number, taxpayer-identification number, or birth date, the name of an individual, other than the debtor, known to be and identified as a minor, or a financial-account number, a party or nonparty making the filing may include only : ( 1 ) the last four digits of the social-security number and taxpayer-identification number ; ( 2 ) the year of the individual 's birth ; ( 3 ) the minor 's initials ; and ( 4 ) the last four digits of the financial-account number The fact that only part of the ss #, the year of birth only and the last four of the account number are only shown does not indicate that this account belongs to me which does not meet the FCRA guidelines and does meet the code 15USC 1692g and 15 USC 1692 ( e ) ( 3 ) false or misleading representation of my credit. The credit bureaus and creditors are also in violation of my rights under the 15 USC 1681b, Permissible purposes of consumer reports I did not sign or give you permission to review my credit report, I never did any business transactions with this debt collector you are also in violation of code 15 USC 1692 b-2 acquisition of information and also sending me mail with your logo and stating this is and attempt to collect a debt.
Company Response:
State: IL
Zip: 60563
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: We made a XXXX XXXX XXXX XXXX credit purchase via Comenity Bank with a promotional deferred interest for 18 months. The representative at XXXX XXXX had told us we had until XX/XX/2023 to make the final payment before Comenity Bank assessed the charges. I went online to the XXXX XXXX website to make my final payment on XX/XX/2023 for the final payment of {$480.00} and they assessed an APR charge of over {$1400.00}. When I spoke with XXXX, Comenity employee # XXXX, I was told they assessed those charges on XX/XX/2023. I let her know we were unaware of this date as we were originally told we had until the end of the month. I also let her know there was nothing on the website/online portal alerting that the due date of the promotional date was approaching and when paperless statements were received it did not alert the consumer of any promotional end dates on the portal or emails. I have used other promotional credit card services with stores and they have always sent an alert via email or on their online portal of when the promotion was coming to an end and have never experienced this type of issue. The Comenity website only showed the minimum payment due and the date. It had no features to show a consumer that a promotion is due. This is incredibly misleading. In addition, we were not receiving paper statements in the mail prior to opting paperless because they had our last name in their system incorrectly. We have spent well over {$50000.00} with Comenity BankXXXX XXXX XXXX XXXX XXXX alone, and I spoke with three different representatives stating that there is nothing they can do to waive the late payment fee even though it was a miscommunication and misinformation on their end, along with a terrible online paperless feature that did not have any prompt features of when a promotion was approaching the end date. I had explained to them that we have been loyal consumers of XXXX XXXX and Comenity for over 10 years and asked if I make my payment in full of {$480.00} on XX/XX/2023, which I did online, if they would waive the fee due to our loyalty and misinformation. Keep in the mind, the end date of their cycle was XX/XX/2023 and I called in on XX/XX/2023. I am aware that institutions such as these have a grace-period ( typically 5-7 days ) to waive a fee, especially due to the incorrect information we received, but Comenity did not. Comenity exemplified terrible customer service to loyal consumers and did not have a user-friendly website which allowed the consumer to have proper notice when a promotional balance is due. In addition, they charged {$1400.00} fee which is not even 29.99 % of the statement balance of {$480.00}. That 'hidden fee ' is something that I am sure I wasn't the only consumer to experience this on top of a misleading paperless/ website paying portal and wrong information by an employee from the store they do business with.
Company Response:
State: NY
Zip: 14051
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was the victim of XXXX and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXX and the XXXX of a XXXX individual as documented in XXXX reports. I have had to flee XXXX miles with my XXXX XXXX XXXXnd these issues are hindering my ability to house my XXXX XXXX and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( XXXX ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all XXXX reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation. I am unsure why either ZALES XXXX XXXX would have had a XXXX response, as the report shows Comenity is the " owner '' and the accounts were sold. My report shows both accounts XXXX responded to me as " owning '' originate with comenity capital ( as does a Victoria 's secret card that is not mine ) not XXXX. I have never had a XXXX account of any kind. The XXXX account is listed as XXXX and is listed as XXXX and XXXX owed and opened in XX/XX/2108. IF the Victoria 's Secret Card is also XXXX 's, and once Again ALL XXXX are listed as XXXX XXXX on my report, that would also need deleted. The account, account number XXXX, reference number XXXX XXXX XXXX on XX/XX/2017 and was opened with Victorias Secret. The Zales account account XXXX XXXX XXXX, formerly Zales is listed as Comenity. ALL THREE should also be referred to the collections agencies they were sold to for deletion immediately.
Company Response:
State: PA
Zip: 17325
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A