Date Received: 2023-06-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My dispute is about the below new account that is currently on my credit report. I never submitted any application or personal identification to Comenity Capital Bank Credit Card services. I have sent a letter to Comenity Capital bank about this fraudulent account. I also opened two disputes with XXXX and XXXX about this false new account on my credit report. I was told to make a report with this institution also about this matter. XXXX I think this is the fraudulent account number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: When I was given this card by XXXX I was never given the information from the company until a late payment which I was never given the information. I call the company and stated that but was told they sorry but they did not help me. I would like to get all late charges back and start fresh.
Company Response:
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Regards,
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX calls me XXXX times a day. Today 7 times in a row. I have resolved the billing issues ( they stoped auto payments ) although it is not due to my fault. They called me 7 times in a row today and can be seen in the attached call logs.
Company Response:
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted XXXX XXXX /commodity Bank about an account that I closed in XX/XX/XXXX after I paid in full. In XXXX XXXX they sent me a bill that stated it was owed.but the agent could not explain for what. thinking I will just pay It and end this. Well not so, again I was billed in XX/XX/XXXX this time for {$2.00} I called each time I was promised this has been satisfied.it was only until XX/XX/XXXX this time {$19.00} at no have I used this account since my last payment in XXXX XXXXOnce again I was assured this is all done. I filed several written dispute with XXXX XXXX and with XXXX and still to this date I was contacted by XXXX that my account has been marked as a missed payment I just seen to make this go away. was closed and XX/XX/XXXX. Since then I have continued to be charged {$19.00} a month. I've spoke with several representatives to get this issue taken care of yet to current date. It is still affecting my credit score as a bill that'I owe and I can't do anything.I really need help. My credit is being ruined for something someone's else is doing either purposely or by error either was I'm paying for it
Company Response:
State: IN
Zip: 466XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
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 an account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for anY purpose 15 U.S. Code 1681a - Definitions ; rules of arch 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 ;
Company Response:
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call me at LEAST every hour on the hour every single day and if it is not every hour sometimes it is multiple times in a row. For example : they have called me 4 times within one minute. On top of these excessive phone calls, I also receive several texts per day and several voice mails per day.
Company Response:
State: SC
Zip: 29073
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was the victim of abuse 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 domestic violence and the abuse of a XXXX individual as documented in XXXX reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child 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 ( APS ) 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 three 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.
Company Response:
State: PA
Zip: 17325
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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: XXXXCOMENITY ZALESXXXX. I have never had this account. I have never had an account number. This is a fraudulent account that the three bureaus refuse to address because they get paid by the company. If you can not report fraud to the credit departments, then who?
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
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: Due to a technical glitch, Comenity Bank is claiming I did not pay my XXXX XXXX Credit Card balance of {$190.00} on XX/XX/XXXX. They say they attempted to charge my bank account on XXXX it was " returned ', and then they submitted the payment again on XXXX. However, my bank statement shows that the payment successfully posted to my bank account twice on XXXX When I became aware of this double charge to my bank account I called Comenity Bank on XXXX and they denied having any record of being paid twice, and advised I call my bank to dispute. I called my bank to dispute and they resolved it on their end. They requested a refund of the second payment from Comenity to resolve it. However, instead of Comenity fixing my XXXX credit Card account to note that they were paid double/twice the amount of my bill on XXXX, as my bank informed them, they instead added a new charge to my XXXX Credit Card of {$190.00} on XX/XX/XXXX. So because they gave my bank money back,, and do not acknowledge that they were paid twice, they are essentially saying I never paid and owe the original amount plus months of late fees. To make matters worse, I was not aware of any of this until XXXX XXXX. Not having received any statements after making my payment on XX/XX/XXXX, in XXXX of XXXX I was surprised to receive a message on my phone stating that I owe money to XXXX when I thought I was paid IN FULL. When I called to resolve they stated that they had called me over 16 times, and sent letters, of which I had no records of either. They said I had over {$190.00} in late fees, which they credited back when they realized they had an incorrect address for me, but said I still owed {$190.00} plus other late fees. After hours on the phone with them, being hung up on by their dispute department more times that I can count, despite being exceptionally patient, they finally told me I could submit my bank statement to show that I paid twice on XXXX Even after submitting my bank statement & dispute, XXXX refuses to acknowledge their glitch and error that there was no " return '' on XXXX, and still insist I owe them {$190.00} plus additional late fees that have accrued since the " refund '' requested by my bank in XXXX. I also found out that my previously pristine credit score of over 800 has been significantly reduced due to this single issue. In XXXX they sent me a letter stating my " request for a credit '' was received and they were providing me a credit of {$93.00}. When I called Comenity to understand where that number came from, XXXX Credit Card staff told me they did not understand what the credit was even for. They told me that I can only mail another dispute. At this time I researched Comenity and found that they have a XXXX XXXX XXXX rating of XXXX, and hundreds of similar complaints. I filed a complaint in XXXX of XXXX with the XXXX XXXX XXXX and was told by them that Comenity will respond to me directly. I have yet to receive a response from Comenity, now more than 60 days after submitting the complaint. They refuse to take responsibility for their glitch and have significantly harmed my credit. See attachments for supporting documentation and a more detailed explanation.
Company Response:
State: AZ
Zip: 85029
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A