Date Received: 2023-05-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, 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 an 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: FL
Zip: 34208
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Comenity Bank is clearly a predatory lender and needs to put on notice. I opened a visa charge card account at the XXXX XXXX retail chain which is handled by Comenity Bank. I used the credit card to purchase an item at one of the store locations. I promptly paid off the account however, the bank statements were confusing and misleading. There were two different balances on the statement. I payed the amount that was indicating what seemed to be the total balance owed in an attempt to bring the balance to XXXX. On XX/XX/2023, I payed {$290.00} to bring this balance to XXXX. On XX/XX/2023, I receive a statement showing a balance of {$5.00} with an additional late fee of {$32.00}. I immediately contacted Commenity to dispute this reported balance and now trumped up late fee. I indicated that I paid the balance on the statement and that the balance should be XXXX. I explained to them why would I intentionally leave a {$5.00} amount due??? The banks statements are purposely misleading, confusing and unclear so that they can then churn customers with ambiguous and deceitful late fees etc. They would not remove the late fee and insisted that in order to close the account, I must pay the {$32.00} late fee and {$5.00} balance which I did over the phone. I wish to receive from Comenity Bank a refund for the {$32.00} late fee, I then continue to get statements from this bank indicating I have a {$.00} ( XXXX XXXX ) credit on my account. I have made numerous calls to this bank indicating to close the account, wipe away the XXXX XXXX credit and send me a letter indicating that this account have been completely closed with XXXX balance. I am continuing to receive statements indicating that this account is still active.
Company Response:
State: MI
Zip: 480XX
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: 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: FL
Zip: 339XX
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: 2023-05-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # 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: FL
Zip: 339XX
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: 2023-05-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/17 I was contacted by XXXX XXXX, stating that their client XXXX XXXX bought old debt from Commenity Bank, I they were serving me as they spoke to me extremely aggressively to say they will fight in court and serve my employer for wage garnishment, which made me reactive because Im in XXXX. Thus debt they said was very old, but would not share anything else. They also somehow got my daughter XXXX number and called it yesterday knowing they had mine to say they were looking to teach me. This was an elaborate scheme. I called Commenity a Bank yesterday as well and they went back nearly 20 years in the Recovery dept, and have no charge offs or anything negative on my file-No unpaid debt. This company would not substantiate anything and made me feel pressured to sign Now to settle debt at {$1100.00} I quickly called XXXX XXXX Bank where I the payment from and put a stop on it
Company Response:
State: NY
Zip: 10562
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/16 called at XXXX AM AZ TIME, called about removing late fees due to me being hospitalized they said they can not remove it for me so i escalated to a supervisor and they also said even with this circumstance they can not remove a late fee. they said they can only remove one late fee per 18 months regardless of the circumstance which i do not see as being the case for any other credit card company that helped me with my medical issues. i also stated i wanted to file a FORMAL complaint which i do not believe the supervisor did for me she did not ask what i wanted to not down or anything, she just said she '' sent it ''. i know there is a process for formal complaints that i believe the supervisor did not follow
Company Response:
State: AZ
Zip: 85374
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I attended a time share presentation at the XXXX XXXX resort owned by XXXX with my husband on XX/XX/XXXX, arriving at XXXX. I had received an invitation when at XXXX to attend and receive a free gift. We sat through the meeting and tour with a XXXX time share presenter and real estate agent, and then were given the sales pitch by the real estate agent and the financial representative. We at no point made a purchase or authorized the use of my information to be used for any purchase. They lied and said the needed my information to pull up an individualized offer for a timeshare. We declined any purchases. In the mail on XX/XX/XXXX, I received a notification that a Comenity Vacation Club Credit Account with a {$10000.00} limit had been opened in my name on the same day as the tour at XXXX and a report that my credit had been hit by XXXX and a significant reduction in my credit score had occurred. I immediately contacted Comenity via phone and cancelled the card due to identity theft and fraud. Comenity indicated that they would report the credit account being opened fraudulently to XXXX but did not know if any other accounts had been opened in my name. I have contacted XXXX timeshare division asking for a supervisor but have not been contacted at this point.
Company Response:
State: FL
Zip: 34744
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Comenity Capital Bank, dispute over credit card billing -- their reference no. XXXX XXXX Comenity Bank, purchased my credit card account in XXXX XX/XX/XXXX from XXXX XXXX XXXX. Comenity immediately bill me, for charges I'd paid earlier to XXXX. We took issue with the charges in XXXX, and after XXXX hours, were told someone would return to us within 90 days. We continued to get billed from Comity with late charges. After several hours over numerous phone calls, Recently last wee, I was advised by Comenity Bank to send in papers that show that we paid XXXX the amounts that they now claim are owed. The one exception was a bill for {$140.00}, from Comity which we paid as well, and enclosed proof of payment. My recent letter to Comenity stated : " You will note that the charges you listed on your bill, are all found on the previous final bill from XXXX, credit card VISA, XXXX, which we paid in the amount of {$250.00}, as shown in an attachment, leaving a balance of XXXX amount owed XXXX. We are lead to believe that you did not in fact receive from XXXX our account information well past the date we paid XXXX on the account listed in the attached XXXX bill. We also enclose a letter from you dated XX/XX/XXXX, indicated you owed us {$6.00}, which acknowledges someone in your organization reviewed the account and concluded that you owed us money not the other way around. However you have been charging us late fees since we contested this with your agent in XX/XX/XXXX. We ask that you refund all amounts of late payment that you have billed us in connection with this account ad there were no late payments. According to our records we owe Comity nothing at this time. Please correct your accounts. In the event you dispute this amount please forward our recorded telephone calls, so we can deal with this matter from the same set of facts. "
Company Response:
State: CT
Zip: 06484
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a letter in the mail from Comenity Bank dated XX/XX/2023. It was thanking me for a recent application for a XXXX XXXX Credit Card. They were not approving the application. I DID NOT apply for this card. I contacted Comenity Bank to make them aware. I also filed a dispute with XXXX to have the hard inquiry removed from my credit report. I have also put Fraud alerts on all 3 of the credit reporting companies.
Company Response:
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Identity theft protection or other monitoring services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: I got a letter in the mail from Comenity Capital Bank saying that my " XXXX XXXX Visa Credit card card has not been approved '' but the issue I have with this is I never applied for this card in the first place and I don't trust this bank enough to even give them my information because I have friends who have had very bad experiences with them in the past and call them an out right scam bank and they have very, they commit fraud very often claiming not to receive payments even when they get them so I need help resolving this issue. I DO NOT TRUST THIS BANK 1 BIT!
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A