Date Received: 2023-05-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have submitted a prior complaint regarding Comenity Bank. I mailed my bill on the XXXX of XXXX. The check cleared XX/XX/XXXX. My new statement reflects no payment received and a late fee. However aforementioned the check was processed and now I owe a late fee. Ironically, in speaking with the customer service from my first submission, she admitted that her company was trying to figure out how to process payments faster. In the meantime, customers are charged late fees for their inability to process payments in a fair and timely manner.
Company Response:
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please see My attached With Prejudice as a Memorandum for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please see My attached With Prejudice as a Memorandum for the Record, dispute of billing errorvalidation and verification of alleged debt/account dated XX/XX/2023.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
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 wrote a letter to the company to please remove my derogatory remarks and was denied. I don't know the exact date but I sent the letter to the corporate headquarters.
Company Response:
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023 I received an interest fee on a statement balance that I paid in full in order to not incur any interest fees and to zero out my balance. The statement balance was paid before the due date and they are attempting to make me pay an interest fee on an account that has been paid in full. They have also stated that their company does not waive interest fees after an account has been paid in full. Re : XXXX XXXX
Company Response:
State: GA
Zip: 31324
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
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: Forever 21 XXXX Credit Card from Comenity Bank - I stored this card on file for a monthly bill of {$150.00} during XXXX of XXXX. I soon removed the card from my account and used a completely different card for the monthly bill as of XX/XX/XXXX. I noticed in XX/XX/XXXX that I continued to have the {$150.00} charge on my Forever 21 credit card account even though I REMOVED the card in XXXX, and was already paying for that monthly bill with another card. So I was double charged for XXXX, XXXX and XXXX. Of course the first thing I do is contact my monthly billing correspondant thinking they were the ones charging me. However they did not see the Forever 21 card on my account, just the correct card. That's when I knew it was an error on Forever 21 's end. I called Forever 21 and opened a dispute for the 3 charges of {$150.00} in XX/XX/XXXX. I was notified that I needed to send in proof that I was not responsible for these charges. I sent them receipts showing I paid for XXXX, XXXX and XXXX bills with another card. During this investigation, Forever 21 STILL continued to charge me {$150.00} for XXXX and XXXX. I called several times, and was told that since this dispute is all under the same bill and monthly charge, these two other charges will be included in the dispute. They finally credited my account in XX/XX/XXXX ( 4 whole months ) of the {$150.00} charges, but they only gave me FOUR credits, not five. Again, I was being wrongfully charged {$150.00} from XXXX to XXXX ( until I had to cancel my Visa card and get a new one just so they would STOP ). Since XXXX, I have called DOZENS of time telling me they still owe me {$150.00}. They told me I had to open another dispute even though this was and is all part of the same dispute since XXXX. Every time I call, the agents tell me they need to open up another dispute and that I have to WAIT ANOTHER 90 DAYS. Worst of all - Forever 21 Visa customer care agents do not give reference numbers for calls so every time I call I have to explain the whole situation over again, and I always get one of two answers whether they need to open another dispute or that the dispute is in process. They are not taking care of this dispute. They did not give me back my money. They still owe me {$150.00} and I have been waiting MONTHS. As a single mom, this has been an absolute night mare. Waiting a whole 7 months ( who know how much longer ) to get my money back that they took from me is absoutely unacceptable. The following attachments show the 5 charges coming from Forever 21 ( XXXX, XXXX, XXXX, XXXX ( XXXX ) and XXXX ( XX/XX/XXXX ) AND the charges from the correct card I changed my account to ending in XXXX.
Company Response:
State: FL
Zip: 32233
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After viewing a copy of my report, I noticed a collection account placed on my credit report from XXXX XXXX on XX/XX/2018 in the amount of {$2700.00}. First and foremost, I have confirmed that the debt collector XXXX XXXX is not licensed in the state of Florida to collect on this debt. Secondly, XXXX XXXX violated FDCPA rules and regulations when they failed to send me written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to XXXX XXXX? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, XXXX ) against my name and social security number and is demanding payment from me in the amount of {$2700.00}. I am requesting validation made pursuant to 15 USC FDCPA. I respectfully request that XXXX XXXX provides me with competent evidence that I have any legal obligation to pay them. I asking that XXXX XXXX to please provide the following : 1. Agreement with the creditor that authorize you to collect this alleged debt, 2. the agreement bearing my " WET '' signature stating that I have agreed to assume the debt, 3. Valid copies of the debt agreement stating the amount of debt and interest charges, 4. Proof that the statute of limitations has not expired, 5. complete payment history on this account along with an accounting pf all additional charges being assessed, 6. show me that you are licensed to collect in my state ; and Registered Agent. If proper validation of the alleged debt can not be provided, I demand XXXX XXXX immediately delete and completely remove this alleged debt from all three credit reporting agencies ( XXXX, XXXX, XXXX ) I also demand XXXX XXXX agrees to have no contact with me in any form regarding this alleged debt now or in the future. Lastly, I demand that XXXX XXXX agrees to remove my personal information from all accounts in its companies database.
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Come its XXXX XXXX credit card account is closed. The company is now reporting as past due not paid with a balance. On XXXX XXXX spoke with XXXX XXXX who was supposed to have a letter sent and account closed. This was not done. On XXXX XXXX spoke with XXXX XXXX option XXXX ext XXXX Says that an updated letter balance in full dated XX/XX/XXXX showing a XXXX balance. Says the account is not past due and is being reported incorrectly as there is no balance.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I'm looking at my credit report and I see an account being reported by Victoria Secret/Commenity Bank . This company is reporting this account as a collection or charge off and I have never been sent a 1099-C regarding this alleged balance. The FCRA requires that companies obtain written consent before reporting negative information about me to a credit reporting agency. This did not happen. I have never given this company permission to report this information on MY consumer reports. I demand to see proof that I have. I also demand to see the original agreement specifically pertaining to my consumer rights. In addition I demand to know if there was insurance on this alleged account and if the company wrote this off as a tax write off. The notes on my report say it was sold, I never gave them permission to sell any of my personal information I demand to know what company this was " sold '' too and for how much. This account has caused me to repeatedly get denied credit and has caused emotional stress and trauma.
Company Response:
State: NJ
Zip: 08096
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I wrote a certified letter, with return receipt to Comenty, the issuer of my Victoria 's Secret Card, to alert them that while I was in the process of moving, the home I was leaving had been broken into and that my card had been stolen. I advised that I had filed a police report and would forward it when it was available. I also filed a theft report with the FTC and forwarded that as well. In this letter I asked that Comenty cancel my card, be on the lookout for activity, which at that point would be unauthorized by me, and requested my XX/XX/XXXX statement be sent to me as soon as possible. On XX/XX/XXXX I wrote to Comenty again, again by certified mail with return receipt, enclosing a copy of the police report filed and also a copy of a Louisiana Identity Theft Affidavit I filed as well. I again asked that Comenty cancel my card, lookout for activity since XX/XX/XXXX, which at that point would be unauthorized by me, requested my XX/XX/XXXX statement be sent to me as soon as possible and requested confirmation that an investigation had been initiated by Comenty as 10 days had passed since Comenty was alerted to the theft. On this date I also noticed that my account was also now blocked from being accessed via the internet or the Victorias Secret app. On XX/XX/XXXX I wrote a third time to Comenty, again via certified mail, return receipt. At this point I still had received no response from Comenty concerning my compromised account, despite evidence that my prior letters had been received and now 45 days having passed since they were alerted. However, Comenty was now reporting me as late on my credit reports and not reporting that my account was under investigation. By this time evidence that my stolen cards were being used started to show up, since, as I mentioned, I was being reported late on an account that was previously carrying no balance. Because of this I filed a second police report, this time in the jurisdiction where I was now residing. I forwarded a copy of this second report and again requested that Comenty do what was required of them by law. On XX/XX/XXXX, after more than 90 days had passed since Comenty was put on notice of the theft, and yet still had not responded to my letters, I wrote again. By this time, Comenty was still reporting me as late and now that my other card issuers had completed their investigations and forwarded evidence to aid the authorities in their investigations updated police reports were issued. I forwarded these reports to Comenty along with yet another plea to investigate and send me my statements which they had failed to do for the months of XXXX, XXXX, XXXX and now XXXX, while still expecting payment and reporting me as late. I wrote nearly monthly until XX/XX/XXXX and never received a response from Comenty. To the best of my knowledge, Comenty never opened an investigation, and to this day I have never received the first statement, neither to my address, as requested, or electronically. On XX/XX/XXXX I accessed my credit reports and saw the damage caused by Comentys repeated unjustified negative reporting on my credit reports despite refusing to ever investigate the unauthorized charges causing this negative information. On XX/XX/XXXX I received two ( 2 ) nearly identical letters, one dated XX/XX/XXXX, one dated XX/XX/XXXX, from Comentys Account Protection Team disregarding my numerous prior requests to investigate my account and instead telling me that my account was now with XXXX XXXX and to direct all future inquiries to XXXX. On XX/XX/XXXX I forwarded a response to Comentys XX/XX/XXXX letter instructing them to remove their tradeline from my credit report if they were not going to investigate my account. On XX/XX/XXXX I forward another letter to Comentys Account Protection Team, this time enclosing copies of the first four ( 4 ) letters I sent to Comenty XX/XX/XXXX through XX/XX/XXXX, including copies of all of the certified receipts and signature cards and again, urged Comenty to either investigate or remove their tradeline from my credit. I also forwarded a copy of all of this to XXXX since Comenty maintained that XXXX had sole control of my Comenty account. On XX/XX/XXXX XXXX responded to this correspondence and advised that they were investigating and had requested more information from Comenty. On XX/XX/XXXX I received an update from law enforcement with respect to my initial theft complaint. I was informed that arrests had been made in my case and I obtained copies of the Bill of Information for the arrestees and forwarded those to Comenty making final demand for results on my account. I also forwarded this to XXXX. Subsequent to sending XXXX XXXX a copy of my XX/XX/XXXX correspondence to Comenty, I received correspondence from XXXX dated XX/XX/XXXX advising that based on a review of their records, likely consisting only of the information copied to them in my XX/XX/XXXX letter, XXXX advised they have closed ( my ) account and ceased collections. ( I ) have no further obligation regarding this account. Three ( 3 ) days is all it took for XXXX to receive, investigate, review and close my account and remove it from my credit reports. It has now been nearly 18 months since I initially wrote to Comenty and yet they still refuse to acknowledge my issue, much less investigate. On XX/XX/XXXX I received two additional letters from Comenty. One dated XX/XX/XXXX from Comentys Account Protection Team duplicating their letter of XX/XX/XXXX, only updating the date of the letter, but again, stating that XXXX XXXX was in possession of my account and had been since XX/XX/XXXX. The second letter from Comenty is dated XX/XX/XXXX and is from their Customer Care Team. The Customer Care Team wrote to advise that my account was sold to XXXX XXXX on XX/XX/XXXX. The letter goes on to state that they have validated my account, advising that my account was opened by me, on XX/XX/XXXX. It is rather insulting that Comenty, in an effort to again dodge the demand to investigate instead attempt to allege that I stated this account did not belong to me! Unfortunately, the account does belong to me which is why my credit is such a bad state because Comenty REFUSES to secure, protect and advocate on behalf of its customer. Interestingly, I wrote to Comenty from XX/XX/XXXX to XX/XX/XXXX before I ever received the first response from Comenty, dated XX/XX/XXXX. Customer Care is now responding to tell me that they sold my account to a third party the day after they wrote their very first response to me. This clearly shows that Comenty was well aware that there was a serious dispute attached to this account and still chose to sell it, wash their hands of it and yet continue to report this account negatively on my credit report.
Company Response:
State: LA
Zip: 71360
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A