Date Received: 2023-06-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: NY
Zip: 11423
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: 2023-06-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a {$170.00} purchase at an Ulta location. I thought that I paid with my card but a new card was setup in store and the charge placed on the new account. As I didnt remember this there was a delaying in paying for the charge. I called the customer service number and asked for the payoff amount on my account. This amount {$380.00} was setup over the phone to be paid that same day. This amount was now more than double my original purchase amount. When I got my next statement it showed additional interest was charged that was not included yet I had asked for a payoff amount during my call.
Company Response:
State: IA
Zip: 52722
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: 2023-06-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard credit hits on my credit from XXXX XXXX, XXXX and Comentity Bank XXXX XXXX ALL NOT ME. PLEASE HELP ASAP
Company Response:
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Account is a mistake it self because its reporting inaccurate information. The following data is either inaccurate or missing : Date last verified, date open, date last reported, disputed status, last payment, stating a pass due on a collection account, stating open account while in collection and derogatory all at the same time. Previously, disputed account with bureaus and results came back with copy of bill statements. This does not correct the inaccuracies that account is reporting.
Company Response:
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: The following is an amendment/added issue in connection with Complaint ID # XXXX, which I filed on XX/XX/2023. So please refer to that complaint in conjunction with the following : Since filing the complaint with CFPB, I recently received a new statement and the Comenity has not only refused to remove their erroneous {$31.00} but they have since added a {$30.00} fee on XX/XX/2023 as a " Late Fee '' and a {$2.00} fee as " Minimum Interest Charge ''. So the total they claim I now owe has risen to {$63.00}! Comenity 's original {$31.00} they deceptively applied to my account after I paid off my balance was deceptive, underhanded, illegitimate ( there was no balance after I made my last payment of {$1500.00} XXXX paid in XX/XX/2023 ; please see CFPB Complaint ID # XXXX for details/context ), and not only did they refuse to reverse the illegitimate and deceptively applied {$31.00} ( after I paid off my account ) but they are now compounding their error with additional deceptive fees/charges on top of the original deceptive amount and the balance they claim I owe will continue to compound and increase month after month. Their harassing calls/notifications have already started. The original amount of {$31.00} was illegitimate and any additional charges beyond that/because of it are equally illegitimate. This matter will worsen month after month if they are not investigated and ordered to fix this and deem my account closed as it was when I made my final payment of {$1500.00} ( which was the final balance at time on XX/XX/2023 ) in XXXX. Why are they allowed to do this and get away with this? When will CFPB investigate this and resolve this? Who is helping me as a consumer to hold this company accountable to such a despicable and deceptive practice and resolve the issue? This is starting to impact my health and well being. Please help. Please look into this. Their original claim that I owe {$31.00} is incorrect and every charge they add on top of it is also incorrect and baseless. With the latest statement, they now say I owe {$63.00}. Next month will more. XXXX after that, it will be more. Compounding every month. Please help me. Please stop them. Please resolve this issue. Please, please. I'm begging you, please step in. By the way, they've stopped giving me access to the electronic statements on my account online. So I'm basing this all on the hard copy statement I've received in the mail. I just can't share the electronic version with you because they have suspiciously removed my electronic statements from my online account. Respectfully, XXXX " XXXX '' XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act 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 States : A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681a- Definitions ; rules of construction- Exclusions.- Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-26
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer ham demanding the de accounts listed IMMEDIATELY!
Company Response:
State: MS
Zip: 39759
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: Overcharged for something you did purchase with the card
Consumer Complaint: XXXX was XXXX income household they dropped credit line, I paid it down and haven't charged anything in over 1 year yet the balance is still high. Recent fraud from my bank detected, unable to get late fees waved. 2 payments have been made recently. and it's in the negative balance. Incorrect account holders Name. unexpected medical expenses, Fraud, ID theft,
Company Response:
State: TX
Zip: 782XX
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: 2023-06-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened the credit card and was told I could use the discount all day in store and online. That was not true. I then make payments through my online bill pay with my bank and they claim to have not received any payments. They started assessing late fees. I contacted the company and they said no payments received. I spoke to a rep and she told me to contact my bank and that I still needed to make payment. I contacted their XXXX XXXX department and spoke to someone and they confirmed that my account was closed without authorization as well as no payments being received. I had stop payments issued per my bank and paid the balance. They then cashed the check weeks later that they never received and issued a return fee for {$30.00}. Its unethical and needs to be removed. Attached is a statement from my bank showing the dates the payments went out. I contacted XXXX the second week of XXXX. They chased the payment after telling me they never received them and to issue stop payments or continue collecting fees
Company Response:
State: IN
Zip: 46236
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I got locked out of my account for XXXX twice in a row for a total of XXXX days, when my payment was due, and got XXXX calls from Comenity Capital Bank in that time, XXXX of which were from an Unknown Number and XXXX from a XXXX number. Got back in my this am and made a payment ( sun XX/XX/23 ) and have still received XXXX calls from them - XXXX, XXXX, XXXX. This is harassing behavior and I would like them to stop.
Company Response:
State: UT
Zip: 84020
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A