Date Received: 2023-04-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Company Response:
State: MS
Zip: 397XX
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In early XXXX XXXX I opened a XXXXComenity Bank Credit Card ( acct XXXX XXXX ) and spent {$30.00}. I paid the bill on XX/XX/XXXX, but there was a problem with the account number. According to my bank ( XXXX XXXX XXXX, Acct XXXX ) Comenity accepted the payment but did not apply it to my account. I called Comenity and they said, " no problem, just wait as it may post later ''. It never did, so I was worried about my credit and sent in {$35.00} on XXXX, but again it was cleared by XXXX but not so with Comenity. I called, and they said I should pay {$32.00} on XXXX which I did over the phone. That is the only payment that they have acknowledged. I got another bill with the charges mounting so called again. I got XXXX and Comenity on the same line and all was apparently fixed as XXXX said the payments had cleared and the Comenity rep confirmed it. The rep from Comenity said I would see a corrected statement shortly. After about 10 days I checked online and there was no correction, so I called Comenity again. They said they had no record of a resolution, and that I must send in written proof via U.S mail and wait 90 days for a resolution. I do not believe that will do any good since they continually lie to me and a letter will go where?? To date I have paid {$98.00} but only {$32.00} has been credited to my account, and they claim I now owe {$66.00} more. They are sending me ugly letters ; I have spent hours and hours trying to fix this and give up. Please help me.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: XXXX continues to call me all day every day. They have called my employer, family and friends and have shared my information. They have threatened me many times. I have blocked them and they just call from a different number. I have asked them to stop many many times. There is no reasoning with them.
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Received a credit card from XXXX XXXX XXXX that I did not apply for. Later received a replacement card that I did not request.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Since XXXX of XXXX I have closed this account with XXXX people and reported it to credit bueraus. They ( XXXX ) stated I had a balance and have charged me interest since XXXX of XXXX, when the account is and has been closed. I have spoken to ( XXXX ) since XX/XX/XXXX asking them to close account and why am I still being charged interest on a closed account XXXX XXXX {$71.00} was paid on balance of {$140.00} then another payment was paid XX/XX/XXXX for {$71.00} and Paid In Full no balance. did not recieve another statement until XX/XX/XXXX stating my balance was {$170.00} with payments totaling {$100.00} with a {$30.00} credit? oweing new balance of {$40.00}. I did not understand since 2 payments of XXXX were paid in XX/XX/XXXX, so I paid the {$40.00} in full and called to close account. I did that on XX/XX/XXXX talking with a person called XXXX and closed account @ XXXX XXXX XXXX I requested a confirmation email which I never recieved, then in XX/XX/XXXX I got a statement stating I had a balance of + {$62.00} and was charged a late fee and a past due amount for the total of owing {$62.00} with minimum payment of {$36.00}. I paid it in Full and once again I called to close account with XXXX, asking for confirmation. XXXX transfered me to XXXX spoke with XXXX XXXX and got XXXX # XXXX. On XX/XX/XXXX @ XXXX XXXX XXXX I spoke XX/XX/XXXX with XXXX because I had not yet recieved the email confirmation I was to recieve. Since then they have been emailing, calling, leaving messages and pretty much harrassing me to pay on a 3-4 x closed account. It has caused havic on my credit report, effected my score. Comenity Bank.XXXX has caused damage to my credit. I don't know what else to do. I am not a wealthy person and I am not going to continue paying this preditory company. Thank you,
Company Response:
State: CO
Zip: 80113
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: 2023-04-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Never have I ever owned a credit card from Victoria Secret its been a charge off on my credit report for forever Im asking that its removed. I also have never lived, visited the address the credit is linked to. Can you please remove that address and if my name isnt spelled like XXXX XXXX, its not me. Thank you!
Company Response:
State: NC
Zip: 27405
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have a BREAD CASHBACK AMERICAN EXPRESS CARD. Recently, my identity has been reported stolen, which caused me a lot of trouble. But what I really don't understand is that my identity was stolen, but the result in fact is that my own credit card was forcibly closed, and a bank account was also closed recently. My identity was stolen, and now this company is also closing the credit card I applied for myself without my permission. I really don't understand why my identity was stolen, but in fact was my own account has been and was closed. I am very angry and feel that it is unfair that all these banks have not respect me or contacting me in the matter of fact Say close and close.
Company Response:
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I've paid the several accounts I have through " Bread Financial/Comenity '' on time every single month for years, and on or around XXXX my credit limit was dropped significantly on multiple accounts. The only reason I discovered this was through an XXXX alert that my credit usage significantly increased/credit limit significantly decreased. I called customer service wanting to know why exactly that occurred and these people told me to call one of the credit bureaus to see why my limit was decreased. LOL. That's hilarious since the credit bureaus aren't the ones that decreased my credit limit. My XXXX XXXX account had a balance of around XXXX with a XXXX limit and that limit was decreased to XXXX. There was zero reason for that to occur ... which in turn drops my credit score because of the new credit usage percentage. I decided to pay it off completely and close that account, since the damage is already done. The same thing happened with my Ulta card ; I paid that off too and will also be closing that account as soon as everything processes. I have store cards through this institution for the following stores : XXXX XXXX ( paid and closed as of XX/XX/XXXX ), Ulta ( paid off XX/XX/XXXX, soon to be closed ), XXXX XXXX XXXX paid off XX/XX/XXXX ), XXXX, XXXX XXXX ; XXXX and XXXX cards will also be closed after paying them off. This was completely unnecessary and unacceptable when my comenity accounts have been in good standing for years. I will be paying off all of the other retail cards that I have through this institution and closing them as well since these trashy actions were taken against me without reasonable cause. I've been working diligently over the past 7 years to rebuild and repair my credit, and this probably undid all of the progress that I had made. I did not receive any notification from the credit issuing body stating that my limit was decreased and exactly why it was decreased, the only reason I was given when I called customer service was that the credit bureaus reported a change... however my score etc has remained about the same and nothing new has been reported.
Company Response:
State: TX
Zip: 76504
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments
Company Response:
State: NY
Zip: 10454
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was called about making a payment and the person on the line told me that they could do a charge out for me i paid like {$1300.00} and the next month I received the bill i have continued to receive a bill I contacted the company they said they were going to do an investigation they have not got back in touch with me they canceled a report in this on my credit as a negative or I failures to pay When me and the person who called me about the payment had set up that one time payment that should have closed the account
Company Response:
State: MO
Zip: 658XX
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A