Date Received: 2023-06-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Comenity Bank has been disclosing negative nonpublic personal consumer information to nonaffiliated third party consumer reporting agencies. I did not consent to this and was never provided with the option to opt out of this nonaffiliated third party reporting which I, as a consumer, have a right to do per 15 USC 6802. As such, I am requesting Comenity Bank cease their reporting of account XXXX to all consumer reporting agencies to include XXXX, XXXX, and XXXX, and that the account is removed permanently from all of my consumer reports with all consumer reporting agencies.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Explained I didnt make the purchase
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have tried to contact the credit card bank. The phone number goes to a recording. I have left a message to call me and never received a follow-up response.The bank 's address is only a XXXX XXXX XXXX. My XXXX credit score went from XXXX in XXXX XXXX XXXX down to XXXX in XXXX XXXX XXXX on my XXXX card statement. Comenity Bank/XXXX XXXX XXXX XXXX XXXX, Ohio XXXX They allowed someone to open a credit card under my name and the final charge is currently at {$9500.00} The account has been closed, my credit score has returned into the XXXXXXXX XXXX. However, the debt continues to remain on my credit history. I would very much appreciate having it removed from my credti history. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In According to the fair credit reporting act this creditors has violated my rights under 15 usc 1681 section 602 ( a ) states that i have the right to privacy and under 15 usc 1681 section 604 ( a ) section2 also, states a consumer reporting agency can not fervish account information without my written instructions. And us 15 code1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Company Response:
State: KY
Zip: 40218
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity Bank calls, on average, 9-12 times per day regarding a debt I owe to them, I have discussed my ability to pay this debt and make payments when I can. I have also told them I do not want or require phone calls regarding this debt. They call from numerous phone numbers so as to thwart my ability to block them. Today ( XXXX2023 ) alone, they have called me nine ( 9 ) times. The earliest call was at XXXX.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: CXXXX XXXX XXXX XXXX XXXX WRITTEN OFF : XXXX. XXXX XXXX : XXXX Last payment : XX/XX/XXXX Was a XXXX credit card from XXXX. Numerous attempts for them to validate through XXXX. Commenity nor XXXX provided me with any documentation as to why it is not being removed. Has been written off as loss and sold to another debt collector in XXXX. I never received documentation for it to be taxable income in XXXX due to the write off. They have written it off and sold it. Did not provide date of last delinquency when asked as it will show that it is over statute of limitations for reporting and can not be validated. Inaccuracies in payment history with all three bureaus, original account limit was not XXXX that is false. Both the credit bureaus and community capital are in violation of accurate reporting guidelines. COMENITY XXXX was contacted and could not find original account. Credit bureaus do not provide a phone number for comenity capital.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for a pre-qualification for XXXX on XX/XX/23 the application was immediately pre-approved, when attempting to complete the entire application, I was given an system error, I contacted Comenity Capital Bank the customer service rep stated that I would get a letter in the mail I explained that it didn't allow me to complete the application but provide a pre-qualification of XXXX. On XX/XX/23 XXXX rec 'd a letter requesting for additional information, I provide the attached documents from the list they provided, Car registration, copy of my ss card, utility bill ( XXXX XXXX XXXX ), and XXXX from XXXX which has all of my information, I provide the car registration because the XXXX has an incorrect address. I reached out to Account Protection Department on XX/XX/23 to get status on my application and was informed that my information had not been reviewed but he was able to see it ask that I allow a few more days, not once did he mention that my other accounts were restricted due to investigation. On XX/XX/23 I am at XXXXXXXX XXXX XXXX attempting to make a purchase and it was declined, I first thought that maybe it was because I had not used my card at that store. I reached out to Comenity and was informed that all of my cards were restricted because I had more than one card with this company, I stated that does not make sense and she stated that only a supervisor could assist me, I requested to speak to one and was placed on hold for 48 mins without any response, I called back and spoke to another male provide my information and he stated that my account was on restriction because of fraud, I stated how is that when I have not reported any fraud and all of my accounts are XXXX balance, I have a hard time hearing him as his child was crying in the background, stated that only a supervisor can assist me I requested again to speak to XXXX, he place me on hold no one came to the phone. I called back and spoke with another customer service rep and explained everything she stated that my account was restricted but she did not know why and I would need to speak to a supervisor. She places me on hold for about XXXX a supervisor came to the phone. I explained to the supervisor all that has occurred and now I am being informed that she is not able to help me and she was not sure who would assist it was stated that I just have to wait until someone reach out to me. I explained that does not make any sense when I have been told by XXXX different people that a supervisor can help me and now she's laughing in the background. I requested to speak with a manager she stated there was no one for me to speak with. I explained I have a XXXX balance on all of my accounts, and I have provided all of the requested information, and this is not right that she is not trying to assist. I asked what if I was out of town and she stated it happens all of the time. This whole conversation was unprofessional. I have attached the requested documents that were requested and sent to Comenity Capital Bank Account Protection Department. they were validated that they were rec 'd by Account Protection Department. The Ref # XXXX for this case.
Company Response:
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The company did not post a payment for eight months. Continue to charge late fees and finance charges. Please credit my account {$80.00}
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
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: Comenity Bank has fraudulently charged my account for back interest associated with a promotional plan. I have been trying for almost 1 YEAR to get this resolved with several calls that took more than an hour each without any support or response. Each call resulted in verbal confirmation that the charges were incorrectly charged and would be sent to an " internal dispute department ''. I could not get any confirmation number or name within this internal department and told only that I would receive resolution by mail. Since then my card has continued to accrue interest that should not have been charged. This should be considered FRAUD over well over {$1000.00} that should be credited to my account. Note : Before I paid the promotional balance I called the credit card company to verify the value I needed to pay ( while I was ill with COVID ) and confirmed the amount to pay ( {$630.00} ) to avoid the deferred interest on the promotional balance. However the next statement indicated I did not pay an additional {$71.00} and therefore the deferred interest of over {$1000.00} was added to my balance.
Company Response:
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
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 missed the payment on my account due to my being seriously sick and XXXX. I have lost out on job opportunities because of these late payment remarks.This is ALL because of the XXXX. I also could not close a home for my family due to this situation.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A