Date Received: 2023-05-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I do not recognize inquiry from CCB/BreadXXXX made on XX/XX/XXXX with removal date of XX/XX/XXXX. The other inquired was made by CCB/BreadXXXX on XX/XX/XXXX with removal datw of XX/XX/XXXX. Vendor has no number to call and they do respond to mail. my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN XXXX. This appears on my XXXX, XXXX and XXXX Credit. Report. I wish to have both inquiry remove from all Credit Bureau
Company Response:
State: FL
Zip: 33142
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a inquiry from Comenity Capital on XX/XX/2023 on my XXXX credit report, that I did not apply for. I did not apply for any credit card at all recently.
Company Response:
State: IL
Zip: 60446
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
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: I was in their XXXX, Tx store in XX/XX/2023 and the sales person pulled the product I requested from the stock in the back of the store and wrapped it up and bagged it after I purchased it to have me pick up later. After picking it up I immediately put it in my suitcase to fly home back to Virginia. The store has wrapped it in tissue so I never saw the product until I got home. After arriving home I unwrapped it to find she had pulled a duvet cover instead of a set of sheets from the back of the store. I called the store and they sent me a label to return it. I then purchased two sets of sheets over the phone from her and returned the duvet via the mail. The sheets were now purchased on a new billing statement with the Frontgate card. Front gate initially tried to give me store credit but I got that corrected and they credited my Frontgate Card instead. Then I called the Frontgate CC to tell them what happened twice and that I did not have a balance due for that statement. The statement credit was there. They have been contacting me every day via phone calls and emails, texts too telling me my account needed attention. I called them again and explained yesterday. They even had waived the late fee as there is no balance for that statement. The two sets of sheets were purchased on the next statement and that balance is due on XX/XX/XXXX that I will pay in full. I am still receiving emails from them after the XXXX call. Why would I owe them a payment on a purchase that the store made an error in and was returned? I believe this is harassment as they are still trying to get me to pay for this product that I never received and returned the product sent in error..
Company Response:
State: VA
Zip: 23185
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
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: This is being filed as the company failed to adequately respond to the XXXX complaint regarding medical debt. The company is outside the law when it comes to reporting medical debt. They are not allowed to report medical debt until it is at least 365 days past due The provider of the loan is irrelevant as to the definition of medical debt The legal definition of medical debt is debt that arose from the receipt of medical services, products or devices. See attachments Debt that arose from the receipt of medical services can not be reported until its at least 365 days past due. After a life-threatening illness I was forced to have medical debt/ debt that arose from the receipt of medical services
Company Response:
State: MO
Zip: 63385
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I have a XXXX credit card with Comenity bank, I paid my balance in full by the due date, my online portal was showing a XXXX balance. The contact states that if balance not paid in full by due date they will charge interest. I paid it all in full on the due date, XXXX days after they charged me interest fee and late fee on the interest fee and another interest fee then another late fee. I called the company and they said no one can waive it even if balance was paid in full. Its breaching the contract
Company Response:
State: CA
Zip: 91350
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am requesting that the lates be removed from my credit reports due to the inaccuracy of the reportings. Each credit bureau has a different reporting, some show payments were on time but another report shows 60days late for the same month and year. Also it shows 30, 60 then 120 days delinquent but what happened to 90?! ( Example on XXXX it shows late XXXX 30 days may 60 days XXXX 120 days but on XXXX its current all XXXX except XXXX. ) T his is a clear violation of the Fair credit reporting act. Also it looks like combined information because my credit was pulled using credit plus and there are two victorias secrets accounts with different account numbers opened on the same date, closed on the same date, same credit limits but different payment history. I also requested for this account to be closed and it wasnt closed resulting in fees and late fees. It was finally escalated in XX/XX/XXXX and closed after the complaint was handled by XXXX a member of management.
Company Response:
State: MD
Zip: 21136
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My account was claimed to be closed due to inactivity, but the company cancelled the order I made on XX/XX/XXXX.
Company Response:
State: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent XXXX different letters since XXXX of XXXX as well as called on XX/XX/XXXXXXXX to get validation of this fraudulent debt and ask until i get validation and a new investigation be done to remove from my credit in 30 days and none of those things have been done nor have they responded. CB/ Wayfair bank
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I reported unauthorized charges on my comenity credit card but they still reported it to the credit bureau l. I submitted an investigation request to both credit bureau last. They confirmed the fraud, took the credit card off my report. Comenity is harassing me threatening me with debt collection. I receive at least 5 calls a day and now receive texts even though I opted out.
Company Response:
State: MI
Zip: 48154
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Late payment being applied after due dates. Bill mailed and received and payment sent out ASAP. not applying payment Wafting to applied late payment. I have had this card for well over 25 years and never have had any Late payments. I have been applied to 2 late payments in last months No help from card company.
Company Response:
State: OH
Zip: 44095
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A