Date Received: 2023-05-26
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 XXXX 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 a 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: CA
Zip: 92405
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX2022 one of my XXXX XXXX XXXXXXXX cards changed to a Comenity Card. I was unaware that change was taking place. And used the XXXX XXXX XXXXXXXX card. Within 24 hours card changed? After spending over 24hrs on the phone to do my part to change card, I already realized I would never be able to work with these people. I paid the card off and closed account. Now 7 months later, the charged amount ( {$3000.00} ) is still showing and the card is on my credit reports as an open account with a balance. I called Comenity yesterday and the rep at Comenity stated she can see the card was paid off but she didn't know how long it would take to for that to be changed? In the mean time my credit report is showing I owe money that I paid off in XX/XX/ 2022, which I am sure is affecting my credit score. What can I do to get this fixed?
Company Response:
State: MD
Zip: 218XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/XXXX I attempted to purchase an upgrade to my seats through XXXX XXXX. My credit card was denied despite having {$1100.00} in it. I received a text from my credit card company asking if this was fraud - I confirmed the charges and received a text stating my card was clear and ready to use. I attempted to use my card again for the same transaction at XXXX as well as pay for my monthly land mortgage of {$230.00} the card declined again. I called the credit card company and was told " I did not have enough money in my account that is why my card declined '' I spoke to a young lady named XXXX. When I proceeded to tell her that I had money in my account she told me my payments had not cleared when I attempted the transaction at XXXX. I advised my payment of {$500.00} and {$560.00} had cleared on XX/XX/XXXX and XX/XX/XXXX. She then told me that my account had numerous charges that had not cleared that were over the limit of the available funds of {$1100.00} - I advised that I could not see the charges and she replied that I did not have any available funds. This has happened to me numerous times with this company where I am unable to use my card. The young lady even went as far as saying I was check-kiting because of the back-to-back payments as a lawyer I find these to be pretty serious allegations, especially since I pay this card whenever I can to keep from being hit with extremely high-interest charges. I was told I had to wait 48 hrs for charges to appear on my statement I still have not seen any charges and I am still unable to use my card.
Company Response:
State: NV
Zip: 89002
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card that was owned by another bank for many years. Comenity Bank purchased the XXXX card accounts and became the servicer for my card. Although I received several mailings from Comenity regarding the transfer of card servicing, I simply dismissed those letters as just advertising mail. I typically get 3-4 offers in the mail each and every day to enroll in a new credit card. I mistakenly thought the Comenity mailings were just another advertisement, I didn't even open the envelopes. After several months, Comenity finally called me and explained the change and that my payments were now overdue, which previously had been on Auto Pay for this card. My agreement with the previous card owner was set up as " Auto Pay, '' so I never had to worry about missing a payment. Comenity explained that the Auto Pay arrangement didn't transfer when Comenity Bank became the owner of my AAA card account. After I was notified of the situation, Comenity canceled the new card I was sent and re-issued another card, so it was impossible to access my account online to make a payment because of the different card number. Comenity said they also could not set up Auto Pay because my previous months payments were late. The problems just kept compounding! Once I understood the entirety of the situation, I paid the account in full. However, Comenity reported my delinquent payments to the credit reporting bureaus. I am simply asking because of the confusion surrounding the transfer of the bank serving the card account to Comenity, the lack of transfer of Auto Pay, and the re-issue of the card number, that the delinquent payments be removed from my credit report. As another example, I recently received a letter from Comenity, dated XXXX XXXX, that Comenity had sent me " the wrong terms and conditions by accident. '' This just illustrates the confusion inherent in the transfer of ownership of the card to Comenity, and that I am being unfairly penalized by Comenity submitting delinquent payment reports to the credit bureaus.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT. Section 609 ( a ) ( 1 ) ( A ), [ 15 U.S.C. 1681g ] section 607 [ 15 U.S.C. 1681e ]
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have called XXXX times in the past week to reopen my XXXX XXXX credit card account!! Someone keeps closing my account and a supervisor opens it every time I call in! Im frustrated!! I was frustrated with them and threatened to close it, but did not! They need to listen to phone calls to see who is doing it!
Company Response:
State: IA
Zip: 514XX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I made a settlement on XX/XX/XXXX with collection agency XXXX XXXX. They agreed to delete off report after paying balance. The account still say open after its been settled. I dispute it on XXXX XXXX 4 times. Each time the status came back as verified accurate but there has been no change. I reached out to collection agency XXXX and they verified it was paid off and apologized and said they did not report it to the creditor commenity bank when it was paid off initially. They said they will let them know and it will be removed. Its still showing up as open although its been paid and disputed. I attached photos of the payment being received and confirmed. A photo of my disputes to XXXX XXXX and photo of the current status
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: CCB/CHLDPLCE 3 LATE PAYMENTS Credit usage 100% Balance XXXX Balance updated XXXX XXXX XXXX Credit limit XXXX Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX XXXX Account type Revolving account Status 90 days past due Status updated XXXX XXXX Past due amount XXXX Highest balance XXXX Monthly payment XXXX Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number None provided THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO "FAIR CARES ACT" ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Company Response:
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: CB/VICSCRT XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$350.00} {$350.00} {$150.00} XXXX XXXX : {$150.00} {$150.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX REDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT DATE
Company Response:
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX Consumer Federal Protection Bureau Federal Trade Commission ATTN : Fraud Division XXXX XXXX XXXX XXXX Washington DC XXXX RE : XXXX XXXX XXXX, XXXX, XXXX. ComenityCBXXXX Credit Card Account # XXXX Demand to Delete Inaccurate and Derogatory Credit Reporting NEED ACTION BEFORE XX/XX/XXXX CLOSING DATE Dear Sir or Madam : By way of introduction, I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the XXXX of Massachusetts. My practice strives for justice in processing and reporting and I seek to practice the same in my personal life. To date I have maintained an exemplary credit rating through prompt payments of any and all bills that become due and owing. This practice has allowed me to be approved for a top-rated mortgage for the purchase of my new home. Unfortunately, it has recently come to my attention that Comenity Capital Bank has inaccurately reported a late pay on the above captioned credit card account which has resulted in a drastic drop in my credit score and has placed my underwriting position in jeopardy. Upon investigation, the reported late pay was a result of an interest roll-over that occurred subsequent to the payment in full of the balance due and owing on the credit card. Specifically, on XX/XX/XXXX there was a charge for {$330.00} and on XX/XX/XXXX there was a payment made of {$370.00}, without additional charges having been incurred during that period of time. Any charges not satisfied in a timely manner were a result of a late-applied interest roll-over, a charge that does not constitute a late pay and justify the derogatory impact to my credit rating. I have humbly request that the derogatory late pay reporting be deleted from my credit report pursuant to the Fair Debt Reporting Act ( FDRA ) as the reporting is due to a mistake or inadvertence on the part of Comenity Capital Bank. I have finally found my dream home and truly do not want this jeopardized. I have requested the bank could kindly contact my office at XXXX. I will need a letter from the bank to my mortgage brokers request the following, Please add to the from Comenity Bank letter to request a onetime courtesy deletion of the 30 day late payment reporting to the credit agencies, just in case the person reviewing the letter just credits the late charge but leaves the late payment reporting to the credit agencies. Once we have that letter we can request the report to be updated manually from all three bureaus. As time if of the essence for my home loan to close on XX/XX/XXXX, I am desperate for your esteemed federal agency to assist me. I have worked hand in hand with all federal agencies in order to honor and assist clients in my work world wide. If your kind agency could please reach the higher levels of this bank ASAP and request this is removed post haste, I would eternally grateful. This event has dropped my credit score over XXXX points! SEE EMAIL. It will be an extreme hardship to me and my home purchase. I respectfully request your immediate response to this issue and look forward to resolving this matter amicably. Should you require any additional information from me, please do not hesitate to contact me directly. Thank you for your attention to this matter. Very truly yours, XXXX XXXX XXXX, XXXX, XXXX.
Company Response:
State: FL
Zip: 33418
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A