Date Received: 2023-06-27
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: I am deeply concerned about the derogatory rating attached to the account that is being reported. This situation is troubling as it has already had adverse effects on my credit. I recently experienced a loan denial, and my existing credit accounts have also seen an increase in interest rates. It is important to highlight that this negative rating has resulted in significant financial distress for me, and if left unresolved, it will continue to affect me both financially and emotionally.
Company Response:
State: NV
Zip: 89121
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I had a single 30 day missed payment that is reported on my credit report. It is the only missed payment in my entire credit history. I was homeless, didnt have a job and received no unemployment for 8 months until XX/XX/2021 due to XXXX. I also had my card stolen that was linked to my payments and therefore reported it to my bank and the payment to the creditor did not go through. I did not receive any communication from the creditor, and immediately paid the missed payment and explained my situation. It was due to a natural disaster ( Covid ) and I have asked for it to be removed from my credit report several times. I have explained my situation every time and have never missed another payment or any payment previous to that single payment. This is a life changing removal from my credit report and they simply do not care. This should be illegal. It was during the pandemic and it was one payment that I immediately rectified as soon as I received my new card.
Company Response:
State: NY
Zip: 13210
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Getting a line of credit
Subissue:
Consumer Complaint: 1. Bread Loan denied my {$5000.00} Credit line without a proper reason, 2. also in this email they say in one paragraph, that i was and i was not approve which is very confusing, so when i called they confirmed i have not been approved and they made up an excuse that they were unable to verify my identity, although i offered to upload my ID and other proof of identity so they can verify me.
Company Response:
State: NY
Zip: 10952
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX COMENITYCAPITALXXXX 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 ; I requested XXXX look into the above credit inquiries and they conducted an investigation and they completed it on XX/XX/2023 XXXX I also reported these inquiries throught IdentityTheft. gov. These inquiries are still showing up on my credit report when I never applied to do business with these companies.
Company Response:
State: CA
Zip: 92301
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
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: The following issues I am having has been as a result of a take over by Comenity Bank of my XXXX Signature Credit Card originally issued by XXXX XXXX XXXX. This takeover happened during XX/XX/XXXX where Comenity issued new credit card numbers to all its members. Around the same time, I was considering the purchase of a car by XXXX. There were two ( 2 ) separate charges on XX/XX/XXXX for {$1000.00} and {$8200.00} by XXXX charged to my XXXX XXXX XXXX XXXX Visa Credit Card ending in XXXX. I did not purchase the car, nor was it ever removed from the dealership lot. The vendor proceeded to process a refund however because the credit card number had changed the refund was not successfully processed. The dealership suggested I contact the Credit Card company to file a dispute. Once I learned Comenity had taken over the credit card, I opened a dispute on XX/XX/XXXX with Comenity for the charges to my XXXX Credit Card by XXXX for the purchase of a vehicle. This dispute was filed within 90 days of the credit charge. And without notifying me of the status of my dispute, Comenity closed my inquiry without further notice. This was a violation of my rights to have a claim properly investigated. I re-opened the dispute again in XX/XX/XXXX ( letter attached ) which indicated they would investigate the dispute. I told them the vendor XXXX requested a new account number be provided directly to them so that they can refund the money directly to the credit card issuer as opposed to sending it to me in the form of a check. They opted for this manner of returning the money because it protected them from any claims by the credit card issued for any unlawful actions on their part. The attorney for the vendor ( XXXX ) indicated they had not heard from Comenity as of XX/XX/XXXX. I received correspondence from Comenity dated XX/XX/XXXX indicating they were unable to locate information regarding my purchase and for me to contact the Service Provider directly. This letter comes despite the multiple calls I made with Comenity on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and then on XX/XX/XXXX to have my issue escalated to Comenity 's Global Disputes team ( XXXX ). On each call I was told no update was available, and I reiterated the vendor is requesting to have the card issuer provide an updated account number to return the money since the original credit card number had changed from XXXX XXXX XXXXXXXX to Comenity
Company Response:
State: CA
Zip: 91766
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
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 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: TX
Zip: 79927
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am a victim of identity theft and the contacted companies won't close and adjust accounts
Company Response:
State: IL
Zip: 62226
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: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Someone has done inquiries on a couple of my credit cards and opened accounts for 2 credit lines. I have called both companies and closed the accounts here is the information that I have for both accounts : Commodity CapitalXXXX XXXX * they did an inquiry on XX/XX/23 and XX/XX/23 and opened an account on XX/XX/23 * I contacted them on XX/XX/23 and told them this account was fraudulent, they closed the account and blocked it from being used. XXXX XXXX XXXX XXXX *they did several inquires on XX/XX/23, and XX/XX/23 and opened an account on XX/XX/23 and XX/XX/23 * I contacted them on XX/XX/23 and told them this account was fraudulent, they closed the account and blocked it from being used. I also closed my old email account and have a new email account. I am not sure what the next step is.. but if you can help clean my credit report what would be so appreciated.
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I took out a XXXX 's card and set up automatic payments. The payments didn't go through and I never got an email or letter telling me until after I got a late charge. When I called, I gave them the exact same bank account information I had entered for the auto-payment to process the payment over the phone with the late fee and it went through just fine. The person on the phone said she couldn't find any reason in the system why my auto-payment didn't go through and that the account info matched, so she wasn't sure what the problem was, but that I was responsible for the late fee even though it wasn't my fault. I had enough money to cover the payment in my checking account, so that wasn't the issue with why it wouldn't go through. I then told her to cancel the card because I wasn't going to deal with this headache every month and the person on the phone said she cancelled the card. This morning, I got an email telling me that I had a payment due on this card. I looked and there was a {$2.00} interest fee. I just called them again and was told that as soon as I paid the {$2.00} my card was slated to be cancelled in the system. This feels like extortion. How many times do I have to cancel this card before they will actually let me?! She said she would reverse the {$2.00} fee and the card would cancel, but I have very little faith that this will actually happen. I am wondering what my recourse is if they try to charge me a {$30.00} late fee on top of a {$2.00} interest fee? I do not understand how it is legal for credit cards to take advantage of people like this. I will never get a credit card through Comenity again, and as soon as I can pay off the other ones that go through their service, I will be cancelling those, if they'll even let me.
Company Response:
State: PA
Zip: 168XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: On XXXX XXXX XXXX XXXX called and threatened to sue me for a debt that should have already been paid. When speaking with the manager I asked for a letter of debt validation and he proceeded to tell me that he did not have to provide that as this was my debt and I owed the money. I asked again and he started yelling and screaming at me that they have sent multiple letters and he didnt have to send anything else. I explained that I have not received any correspondence from them. After he continued to yell, scream and threaten to sue me I eventually just had to hang up because he would not listen to me.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A