Date Received: 2023-06-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have attempted numerous times to remove 3 collections from my credit report with no luck. The accounts are XXXX, Comenity Bank/ Victoria 's Secret, and XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: COMENITY BANK {$540.00} closed my account due to XXXX as they had an option to close account without any penalties, but yet its still on my credit as unpaid. XXXX XXXX {$560.00} I cancelled service within 10 days so they tacked on a cancellation fee which i was 5 days ahead of the 15day notice XXXX {$2300.00} XXXX merged with XXXX closed my account then charged me for all the phones on my account with no warning XXXX XXXX {$1100.00} Sold my account to a debt collector after 1 missed payment
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. In accordance with the fair credit reporting act, XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.1 5 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 15 USC 1681a : report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1681c-2 : Block of information resulting identity theft. 15 USC 1681n : Civil liability for willful noncompliance. 15 USC 1681o : Civil liability for negligent noncompliance.
Company Response:
State: MS
Zip: 39401
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: misleaded my minimum payment amount from the very beginning! The company has audio recordings of my conversations where I asked to changed the minimum payment balance and they did say it has reduced. BUT now they are acting as if that conversation never happened. now they refuse to speak to me when I confronted them about this. They even admitted that it was their mistake and profusely apologized. I asked to speak to their senior manager and they told me to wait and apparently hung my line. Now they don't pick up. they put my number on a XXXX list. I have not seen this level of scamming and arrogance in any lending company that operates in the USA.
Company Response:
State: TX
Zip: 75189
Submitted Via: Web
Date Sent: 2023-07-19
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: I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-06-19
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: It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & XXXX ) and update the account to positive.
Company Response:
State: CA
Zip: 93727
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had Consumer loan to fix my XXXX. I paid the entire loan on time, but they erroneously placed a retroactive amount of {$1600.00} on my record. They were automatically debating my checking account and they had the control.
Company Response:
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: A delinquent account was reported by CCB XXXX back in XXXX of XXXX The delinquent amount was due to changes in bank accounts and the debt was covered immediately when informed about the issue. The balance on the report indeed is XXXX dollars yet it is still showing and affecting my credit score.
Company Response:
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: I keep getting harassment calls from comenity bank.I get calls at least XXXX times a day they call back to back ;, I get left voicemails everyday everynight. I just can't take this anymore.This has been going on for XXXX XXXX months everyday back to back calls.I need help with this harassment
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX ILLEGALLY PUT IN MY NAME ON XXXX TO XXXX. XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 2. COMENITY CAPITALXXXX OPENED ILLEGALLY ON XXXX AND REMOVAL DATE XXXX XXXX. 3. XXXX XXXX OPENED XXXX REMOVAL DATE XXXXXXXX XXXX. PLEASE REMOVE ALL ILLEGAL OPEN ACCOUNTS ASAP. PLEASE SEND LETTER SO I CAN SEND LETTER TO XXXX TO REMOVE THE FRAUDULENT OPEN ACCOUNTS. THANK YOU.
Company Response:
State: AZ
Zip: 85132
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A