Date Received: 2023-06-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX I sent a check to XXXX XXXX XXXX in the amount of {$3000.00} ( XXXX XXXX and no cts. ) to pay for the charges and to have some credit in my account for future charges since I was going in a long trip abroad. When I came back to the XXXX ( by the end of XXXX ) I get a statement that showed that the Company collected only {$30.00} instead of {$3000.00} and therefore my account started to be penalized with interest for being late on my payment. I called customer service of my credit card and explained that the Company made a mistake and those interest charges should be removed. They told me that they were going to open a dispute and that I should send a copy of the check to an address I was given. I went to XXXX where I have my checking account to request a copy of the check and I was told that the payment of that check was electronically, therefore the bank was not in possession of the physical check and that XXXX XXXX XXXX should have it. Fortunately, I kept a carbon copy of the check in my checkbook so I sent a letter with a picture of the carbon copy. In that letter I also offer to pay {$2900.00} they never collected provided all interest would be removed from my account. The Company never responded the dispute so they continue sending me statements with interest I do not owe. I do need someone at some federal agency to help solve this issue. Thank you so much for your help.
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: SEE ATTACHED : Today my broker told me a CERTIFICATE OF SERVICE was received by my mothers employer Libertiy Communities. My mother had been trying to get me on with them but now that looks unlikely now that they have tarnished my reputation with them. I have no idea where this debt is coming from! In addition ; they thought the Service letter was for my mom. That XXXX may be her middle name. The corporate office sent it back after my mom had to explain. In addition : They have sent a Certificate of Service to at lease four other organizations that I am not affiliated with. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( attached ), and XXXX XXXX. I don't know much about this process but I know based on the CFPB radio buttons that they shouldn't be sending these things all over the place. I was told these were compensatible offenses.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Notice to agent is notice to principal, notice to principal is notice to Agent. I was looking over my credit reports the other day and noticed an account on my reports from Comenity Capital BankXXXX XXXX account number XXXX XXXXXXXX, reporting late payments. I am 100 % certain that Ive never received any goods, services, or money from this company, nor have I ever done any business with the company. I have reached out to Comenity Capital BankXXXX on numerous occasions and was informed that an investigation was completed, and the account was closed as erroneous as of XX/XX/2022. I am confused as to how this company is now reporting past due/late payments on my credit reports. From what I know of the law, only a contract/signed agreement between Comenity Capital BankXXXX and myself would make me legally bonded to any debt that they are alleging. An agreement with XXXX XXXX XXXX XXXX in XXXX, XXXX was cancelled within their 3-day grace period, therefore, there should be no monetary charges from Comenity Capital Bank XXXX If Comenity Capital BankXXXX had sent me a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to dispute this account long BEFORE they unlawfully caused considerable damage to my credit reports. I humbly request that Comenity Capital BankXXXX remove this erroneous account from my credit reports and cease any further collection efforts. Please consider this letter a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Respectfully,
Company Response:
State: FL
Zip: 34741
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: 2023-06-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 30 plus days of no response.
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I made the very last payment on time, however, payment was made during my time, pacific standard time on the due date. Unbeknownst to me the company cut off for the due date was based on eastern standard time. The charges showing on my account is a late fee on that last payment which paid my account in full. The late fee has accrued interest and penalties. I have closed the account and never used it again. I always paid it on the due date!!!!
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 Here is the original complaint. No matter what I do it will not let me go back to it and add anything. We got another letter for them fill of more XXXX. This is outrageous. They are trying to charge us over {$400.00} in interest fees, late payments and more interest rates for an item that was paid off a month earlier!!!! Someone has to help us because this is XXXX!
Company Response:
State: IA
Zip: 52404
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have always payed my payment early. I have been paying extra payments. So that my loan is payed off. And was considering having more dental work once loan payed off. I have payed a total of XXXX payments for the month of XX/XX/2023. I looked online and it stated Im late for XXXX when i have payed triple payments for XXXX. This needs corrected. This could affect my credit score. I would like to buy my dream home. And this could affect me achieving my goal.
Company Response:
State: MO
Zip: 63129
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the fair credit Reporting act Comenity bank/ express , 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 an 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: 77055
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
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: Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. Per the Privacy Act as a federally protected consumer, I have a right to privacy. Per the Securities Exchange Act Comenity Bank agreed to discharge this debt so it can not be late. Per the International Bill of Exchange and Promissory Note Comenity Bank failed to tell me the federally protected consumer that they would securitize my promissory note which would be a violation in Truth in Lending Act. Any credit amount over {$1.00} is due to the consumer by the certificate of indebtedness. 15 U.S. Code 1681q 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( B ) 15 U.S.Code 1681s-2 ( 7 ) ( E ) Per 17 CFR 424 Capital One said it would not commit language fraud.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have fraudulent accounts on my credit report, which I reported to COMENITY BANK, yet XXXX XXXX is not removing this fraudulent account. COMENITY BANK has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet COMENITY BANK has refused to do this. The following is the fraudulent account : COMENITYBANK/VICTORIA XXXX XXXXXXXX and COMENITYCB/ULTA / XXXX which was open at an address which I have never lived at and it has nothing to do with me.
Company Response:
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A