Date Received: 2023-06-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was not aware of ever having an account with XXXX or with XXXX. I was the victim of identify theft and these are not my debts. I AM currently paying for and responsible for an account with XXXX ( via Comenity Bank ), and have set up a payment plan to pay that closed debt off over the next five years. These other two account are not mine- I have received nothing in the mail ( bills, statements, etc. ).
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I purchased a top by mail from XXXX ( Comminity Bank via the catalog ). Returned it a XXXX XXXX XXXX. On XX/XX/XXXX via online banking I sent in a payment to cover the shipping XXXX, which was received by XXXX and paid by my bank on XX/XX/XXXX. I was advised that payment was not received the payment so on XX/XX/XXXX I sent another payment for XXXX. They claim they did not receive the payment. The XXXX was received and paid to XXXX XXXX ( Commnity Bank ). on XX/XX/XXXX. XXXX XXXX and Comminity Bank claimed not to have received that payment. on XX/XX/XXXX I sent them {$20.00} just to get them off my back. I have talked to my bank and they have verified these payments were made. On XX/XX/XXXX, I spoke to someone named XXXX ( a manager ) who said she had located all three of the aforementioned payments in their system. She still wanted me to send in proof of payment from my Bank. I balked at this since it would t would take more time. Today, XX/XX/XXXX, I once again contacted my bank, who contacted XXXX ( Comminity Bank ) and will send proof of payment, even though Comminity has verified that they have received the payments. This is now bordering on harassment and dishonesty on the part of XXXX XXXX. I want a refund and credit from XXXX. I feel taken advantage of., bullied and mistreated.
Company Response:
State: CA
Zip: 94706
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I had 2 promotional purchases with XXXX XXXX and I made an extra payment of {$410.00} and planned to payoff the first promotional loan. But instead of crediting the {$410.00} they applied it as a charge to my account. Because of this I missed my promotion deadline and they charged me an additional {$190.00}. I owed {$790.00} on a promotional purchase that was going to expire XX/XX/2023. So in XXXX of 2023 I made 1 payment of {$340.00} on XX/XX/2023 and another extra payment of {$410.00} on XX/XX/2023 trying to pay the promotional and avoid interest fees. So on the XXXX statement, Instead of applying the {$410.00} to the promotional amount they applied my payment as a charge and the promotional purchase went up to {$1100.00}. I called them several times and they said they would fix it but nothing has been done. They told me to keep on making the payments. As a result, the promotional purchase has expired and I was charged an additional {$190.00}. So they owe me a total of {$600.00} and I dont think anything is going to get done. I opened a complaint with them but nothing has been done.
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
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: My first complaint was resolved after you contacted them. You closed my complaint # XXXX because " it has been resolved ''. Please note that above complaint is a totally different problem. So they gave me the credit of {$1000.00} after 4 months, however that charged attached account {$1000.00}. Attached account is firstly a closed account and second charged me the {$1000.00} that they credited to my then open account. I am therefore not paying them a dime BUT I am afraid that they might report me to the credit bureaus as " late payment ''. PLEASE help me on this one. I feel that they are intentionally doing this to harass me. I am getting stressed out by them. I have also waste a lot of time since the credit issue. Thank you.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a letter that was dated on XX/XX/23 accounts was not verified.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023, it has come to my attention that ADS COMMENITY/VICTORIA, XXXX, XXXX, AND XXXX XXXX XXXX have included an unfavorable remark on my credit report, as indicated by XXXX XXXX XXXX I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that ADS COMMENITY/VICTORIA has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/23, I received an email from XXXX XXXX XXXX ( XXXX ) stating they are a debt collector and are trying to collect on my debt for my Victoria 's Secret credit card issued by Comenity Bank. On XX/XX/23 my account was sold to XXXX. On XX/XX/23, I called Victoria 's Secret 's Comenity Bank and was redirected to the fraud department and was told there was six charges from XXXX. I was told that the person made purchases at the XXXX XXXX XXXX in XXXX XXXX, CA and in XXXX, CA. The person requested a credit increase, added an authorized user, changed my phone numbers and changed my address. Comenity Bank would not give me the name of the authorized user, new phone numbers or address. I never received any statements, phone calls, or emails from Victoria 's Secret 's Comenity Bank. They did not contact me prior to this account being sold to XXXX even though my email address was not changed and that is how XXXX contacted me. Prior to these charges, I had a XXXX balance on the credit card.
Company Response:
State: CA
Zip: 92139
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Charged finance charges even though balance was paid within 2 business days of charge posting to account. Total charges are {$2.00}. Company agreed to give refund but has not process even though I have been calling for the past 2 weeks. Comenity Bank
Company Response:
State: IN
Zip: 46260
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Commenity Bank calls every day of the week including Sunday. They call all day long back to back. I have gotten in trouble at work for my phone repeatedly going off. I have had to silence all calls coming in to my phone unless the number is in my XXXX just so I can keep my phone on. XXXX cant record videos or take pictures as soon as I do, one of their calls comes through and stops it. I have told them before that calling that much is harassment. I know I need to pay and Ive apologized to them stating I extend to make payments and I do when I can I am just in a really bad spot financially and cant make the full payments right now. I dont know what to do to get them to stop.
Company Response:
State: CA
Zip: 931XX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On XX/XX/2022 we bought tile from the XXXX XXXX in XXXX, XXXX. using the 0 % financing that they offered. Several months later we found out this program was through Comenity Bank. We believe Comenity Bank acted fraudulently in this matter causing me many, many hours on the phone with customer service reps apparently reading scripts, much duress, damage to my credit score, negative financial impact on my resources, and the problem is still continuing. When we opened this account at the store we were told we would receive documentation concerning this financing, account information etc. in the mail. During the months of XXXX, XXXX and XXXX we called the store XXXX times, we were concerned because we hadn't received paperwork or a bill. We were told they looked into it, everything was normal and we should be receiving it. It should also be noted that during this period I received several ( XXXX or XXXX ) phone calls from a restricted number, which I didn't answer. I only know XXXX person who calls on a restricted number which I don't answer but he will leave a message. This is where the scam on XXXX 's part begins. On XXXX XXXX, I received a call from a restricted number, this time they left a message. It was concerning my delinquent account and I was to contact them so they could help me with it. Interesting that no messages were left until my account was delinquent, interest and fees had kicked in. As shown in my credit report the account was shown XXXX for XXXX and XXXX, and then XXXX for XXXX. Not knowing if this was a legitimate call we went to the store on XXXX XXXX. The XXXX said there was nothing he could do, we were on our own with the bank. We spent an hour and a half on the phone while in the store, and gave up, deciding to resume call on the way home. After hours of listening to a customer service rep reading scripts and telling me nothing they could do, I was put through to a XXXX, XXXX, XXXX. She repeatedly said basically the same things. They knew the bills and paperwork were going to the wrong address ( they were being returned to them ). they contacted me XXXX times ( the calls on a restricted number with no message ) but she didn't know how the phone system worked. They could have emailed, left a message, or contacted the XXXX XXXX which they didn't. I wanted to get a statement right away so I wouldn't be late with this months payment, but she said they couldn't do that and we would be delinquent again building up more fees and interest and further damage to my credit score. We were then basically bullied into paying {$570.00} immediately, which we did, and without being able to see a statement. We had to give payment information to her because at this point we still didn't know our account number so couldn't pay online. On XXXX XXXX I called customer service, ( XXXX? ) wanted to get a statement right away so I wouldn't be late again and to see what was included in my pmt of {$570.00}. She said she couldn't do that until Mon and it would emailed it to me. Also I was again told they couldn't give me my account number so I could view my account online. I would find out my account number when I received my card in about XXXX days. I did not receive an email with the requested statement. I will say that on that first payment XXXX was able to subtract the fee and interest, but now with the statement I just received, we are now back to adding interest, and this will mean many more hours of stress on the phone and watching my XXXX XXXX drop. We have acted in good faith throughout this horrific experience, my XXXX XXXX has been irreparably damaged ( including financial as it affects such random things as insurance rates, loan rates etc ) and my previously near perfect credit score reflects, I have always and also in this matter acted responsibly in financial matters. I believe Comenity intentionally made unidentified ( restricted ) calls with no message until they could assess penalties and then they could say repeatedly " we contacted you XXXX times ''. Also they were aware I was not receiving the bills. They made no attempt to help. There are no documents to attach except my damaged credit report, it started at XXXX before this, but they do have recorded phone calls which will substantiate all of this.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A