Date Received: 2023-04-27
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance with a 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 customer 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 and open end customer credit plan as late in any purpose
Company Response:
State: NC
Zip: 28120
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: After reviewing my credit report i have noted some discrepancy on COMENITY VS validation was requested and none was provided. I have not received any correspondence from them only harassing calls.
Company Response:
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I am requesting help for an existing complaint ( XXXX ) which was closed on XX/XX/XXXX. The original complaint is as follows : I use XXXX bill pay service. On XX/XX/XXXX I mistakenly made a payment to my old, expired XXXX XXXX XXXX XXXX card issued by Comenity Bank through XXXX 's bill pay system. The amount of the payment was {$3700.00}. The card number on that account is XXXX XXXX XXXX XXXX. The card expired in XX/XX/XXXX. I have contacted Comenity on several occasions and were told that they have no ability to search old accounts and suggested I ask XXXX to file a dispute against them to get my payment sent back to XXXX. I filed a dispute and after 6 plus months, XXXX has been unable to retrieve my payment from Comenity. Comenity also told me that I had no way of contacting directly their dispute center... very odd I thought. XXXX has verified that Comenity did receive the electronic payment from my bank account on XX/XX/XXXX. The Comenity folks told me that the payment should have bounced back to XXXX since the XXXX account was no longer valid but that has not occurred. Any help at this point would be greatly appreciated. My XXXX checking account number from which the payment was sent is XXXX. My address at the time we had the XXXX card in XXXX was : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( we have since moved to XXXXXXXX XXXX ) Please let me know if you require any further information. Thanks in advance for the help! That complaint was closed on XX/XX/XXXX when Comenity responded : Company 's Response Weve located the payment and an electronic refund will be issued for {$3700.00}. The electronic refund should be deposited into the bank account within 10 business days. MONETARY RELIEF AMOUNT {$3700.00} However as of XX/XX/XXXX ( over the 10 business days promised ) I STILL have not received the electronic refund into my XXXX checking account.. I have contacted Comenity by phone and but they still have no record of my old XXXX card account or of the electronic payment referenced in their response to my original complaint. Any assistance will be greatly appreciated.
Company Response:
State: TN
Zip: 37743
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On Sunday XXXX XXXX XXXX of 2023 I received a XXXX credit card from XXXX in XXXX Ohio with a XXXX credit limit that I did not apply for. On Thursday XX/XX/2023 I called XXXXXXXX XXXX fraudulence center and spoke with customer service representative XXXX employee ID number XXXX and reported this card as fraudulent in that I did not apply for it. She took my information and was very nice. She closed the account after telling me that luckily it had not been used yet. I live in Texas and apparently the application came from the New York New Jersey area. She recommended I contacted www.ftc.gov to report it and that she would report it to the credit bureau. She also recommended that I contact the credit bureau myself and my bank. Bottom line people, be careful with your private information and be diligent in checking your credit regularly.
Company Response:
State: TX
Zip: 75501
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I had five calls right in a row from Comenity Bank regarding my woman within credit card that is less than 30 days late. I called them last week to let them know that if they dont stop calling that they will hear from my attorney. This morning, the same thing happened, this time it was five calls right in a row. I called them again and advise them again of the same thing and to please stop calling me. So Ive had 10+ phone calls from them within the last six days.
Company Response:
State: FL
Zip: 34286
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
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 USC1681 Section 602 States I have the right to privacy. 15USC 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: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A few years ago someone filed federal taxes in my name which now requires me to use an IRS issued identification number to file my taxes. Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when I pulled my credit reports XX/XX/2023. I pulled my credit because Im looking to refinance on my home. I figured to check before applying for a new mortgage loan. I have filed a dispute with XXXX XXXX and XXXX. All of the information ( credit reports, identify Theft Victims Complaint Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report. These accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being displayed on my good credit. All I do is work and take care of my home, so there was never a need to add any of these credit accounts listed. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
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 returned a rental car on XX/XX/22. On that date I was charged {$500.00}. I reported that as unauthorized. I was told in detail that they were going to investigation that charge ( told me to be on the look out for a letter from their company if they needed follow up information on the dispute, etc ). Nothing was done for months. I called again, they acted like I had never made a dispute and apparently started one for the first time. I told them there was no damage to the vehicle that I was liable for and if there was damage I had received no estimate for receipt for the damage. The credit card company, XXXX store credit card, said they investigated it and determined it was an appropriate charge. I followed up with the rental car company and they told me it was not authorized, kept in mistake, apologized and refunded the {$500.00} to our card. Based on this, it is clear to me that the credit card company lied when they said they investigated the charge and found it to be an appropriate charge. It appears they did nothing but rubber stamp the charge with no investigation.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I pay my Sony Visa card every month in full, and on time. On XX/XX/2023 I submitted to my online bill pay to make a payment to be made in the amount of {$3400.00} for my XXXX payment that was due XX/XX/2023. My bank did as asked and made a payment to Comenity Bank-Sony to be delivered by XX/XX/2023. My bank gave me the check number and confirmation number. I checked my cc account online on XX/XX/XXXX to see if the payment had been applied but it wasnt so I called on XX/XX/XXXX to speak to someone at the cc company. I expressed my concern that they had not posted my payment when it should have been received by XX/XX/XXXX. The employee there said maybe give it a couple more days but that she would file a dispute. XX/XX/XXXX they texted saying my payment was due. I continued checking my account online and even messaged them thru the online account portal XX/XX/XXXX expressing my concern yet again. They answered XX/XX/XXXX saying they were looking into it. XX/XX/XXXX, I called my personal bank and asked them to stop payment on the {$3400.00} check made to Comenity Bank because I assumed after more than three weeks, the check had to be lost. My next step was calling Comenity Bank and telling them I stopped payment on the check. XXXX ( their employee ) took my information and I paid over the telephone both the {$3400.00} that was lost, as well as the additional charges that I had incurred for the following months billing, for a total of {$4600.00}. At that point I asked XXXX ( their employee ) to please issue me back the credit for what they charged me, {$30.00} late fee and {$63.00} finanace charges for a total of {$93.00}. He told me no and we had the discussion that I followed thru on what I was supposed to do to get them their payment on time and continued checking in with them throughout this process. Today, XXXX, XXXX, I signed into my Comenity Bank Sony card account and saw that they did credit {$4600.00} that I paid over the phone on XX/XX/XXXX and also on XX/XX/XXXX they also deposited the check that they said they never got for {$3400.00}. I immediately called them! XXXX, the cc representative that I spoke with this morning said she would check into it. I told her I wanted what they charged me in fees back ( {$93.00} ) and she said all she could give me was a {$10.00} credit which was a slap in the face to mea total insult! I told her I had put a stop payment on the check that had strangely and suddenly appeared after they had me pay it a second time. Im hoping that check will not clear for them! She said she would write this all up and file a complaint/dispute. I asked her for a copy of it and she said not it was their confidential notes. So I am appealing to you, Consumer Finance! Not to this degree, but there have been other months that this particular bank has not posted my payment checks in a timely manner. Ive spent hours on the phone with them over the last few months asking, did they receive my payment? As I know my bank has issued very timely checks to them. PLEASE PLEASE PLEASE HELP! I want the {$93.00} credited back to me as I find it hard to believe that THE day I pay them over the phone, they suddenly find a heck that was mailed to them well over three weeks prior.
Company Response:
State: NC
Zip: 27278
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Bill paid in full with a statement balance of XXXX on XX/XX/23. Received new bill for XXXX of interest. They claim its from the acct not being paid in full for XXXX however thier payment system only gave the option to pay the XXXX. I tried to have them remove the amount and they were unwilling to remove the amount in its entirety as of XX/XX/23 the day I received new bill.
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A