Date Received: 2023-12-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX ( comenity bank ) has me owing them {$2100.00} for purchased items i did not buy. Disputed and refused to remove. Collecting illegally. Adding to XXXX now on top of it after i filed another dispute on XXXX as retaliation
Company Response:
State: NY
Zip: 14043
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Hello, On XX/XX/XXXX I received a call at XXXX from Comenity Capital requesting a payment on an account that was transferred from Dell. I explicitly said I do not consent to further calls, I have XXXX and often times they call in the morning waking me up. I am extremely fatigued and need rest. I am unable to pay due to this and due to taking time off work. However, despite being told to stop calling, Comenity has continued to call over and over again. This is a direct violation of my rights under the TCPA and I am now owed a minimum of {$500.00} per violation. The TCPA provides that " It shall be unlawful for any person within the United States, or any person outside the United States if the recipient is within the United States... to make any call ( other than a call made for emergency purposes or made with the prior express consent of the called party ) using any automatic telephone dialing system or an artificial or prerecorded voice... to any telephone number assigned to a ... cellular telephone service... '' Furthermore, I have not provided any form of consent, neither explicit nor implicit, for your company to call my number, let alone for the purposes of solicitation.
Company Response:
State: OH
Zip: 44312
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for and was approved for this credit card. Part of the terms of the bonus is that you need to spend {$1000.00} within the first 90 days of opening the account to qualify for the bonus. After i was approved, a screen popped up that said i would receive the physical card in 10-14 days, but could have my account info texted to me so that i could use it immediately. I clicked on that and they sent me a link where i could add it to my XXXX XXXX account. Well i do not have an XXXX XXXX account or ANY XXXX product, so that is useless to me. They didn't mention it ahead of time, they said " to be used in A digital wallet ''. They neglected to state that anyone with a non XXXX phone is screwed. Why did they not state this until after they have hit your credit with a hard inquiry and approved your account!? What kind of company alienates nearly 50 % of its users who don't use a specific brand of product?!? I then called and asked for my account info so that i could use it digitally and was told that they could not give me my account info that i was approved for. This is after they dinged my credit with a hard inquiry mind you. They said it was not secure to tell me my account info so i told them to text it to me. They said that wasn't secure either although they sure felt like it was secure enough to send it to me to use in a digital wallet that i do not own! I then told them that all my other credit card companies would overnight me a card to use, so can they send it to me expedited? No, they refused that as well! This is an intentional scam! They want you to lose 2 weeks of your promo bonus period especially during the holidays when people spend the most money
Company Response:
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2023, I contacted Comenity Bank to inquire about a hardship program for my accounts with them due to illness and death in my family. During this time, I fell behind on my payments on a few cards. After speaking to a representative on the phone, I was granted a hardship program. However, I was concerned about credit reporting during this time. Typically, companies freeze credit reporting or do not report you as late when working with you to bring your account current. When I asked the representative and supervisor, they informed me that they could not disclose any information regarding what would happen with credit reporting. I wanted to know if I was going to be reported late, so I could pay what was past due to avoid this happening. After signing up for the hardship program, I was still reported late on one or two of my cards, even though I had made the payments. I reached out via secure email in the portal and was told I would hear something in about 30 days. However, I received a letter in the mail from all three cards that reported me late. The letter stated that I don't qualify for a goodwill negative credit reporting mark. I don't understand why I wouldn't qualify, as I have always paid my accounts on time and have never been in this situation before.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX mailed a debt collection statement and refused to allow me to file a complaint without disclosing XXXX and other information. I persisted and reported the account claimed by " Comenity Bank XXXX 's XXXX '' was not an account of mine and demanded that they validate the debt and stop any action, notify the credit reporting agencies that the debt was erroneous and not to take any further debt collection action. The person who I spoke with was at a call center in XXXX and said that XXXX XXXX respond but not for up to 90 days. I then searched online and found numerous other complaints about both entities, Comenity Bank and XXXX XXXX XXXX. These companies should be required to comply with the law, and not use erroneous debt collection as a business and as a way to gather consumer 's XXXX 's and other personal information.
Company Response:
State: OR
Zip: 97214
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Contacted Comenity Bank in XXXX by Phone as they are overstating my overall debt by {$14000.00} showing that I have two accounts with them. They confirmed that this is correct however they could not and would not correct the issue with XXXX until I sent a letter into them in detail stating the same issue that I called about. I wrote their Credit Dispute Department in XXXX XXXX in detail as to the issue as instructed. I also filed four disputes with XXXX Credit reporting and they advised me every time my dispute was rectified and corrected which it has not. I contacted XXXX as Comenity Bank claims it is their error in reporting. My XXXX XXXX report and XXXX are correct only showing one account however XXXX as of today shows two accounts with the same number and same amounts. XXXX refuses to correct the issue and referred me back to Comenity Bank. I contacted Comenity bank again who verified there were two accounts reported and that I only have one account yet they refuse to correct it and deny they ever received communication from me. I have now sent the letter by Certified Mail the second time. I am tired of contacting Comenity Bank and XXXX Credit Reporting. If this is how these two business 's operate someone needs to look into their practices and their failure to correct their errors thus affecting my credit report and overstating my total debt to others.
Company Response:
State: OH
Zip: 44406
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Account XXXX Please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on factual law that this debt in question is legally expired under the Statute of Limitations. The statute of limitations in the state of Texas is 4 years. This account was opened in XXXX of XXXX. This account and debt should have been ceased as of XXXX of XXXX. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right of the expired statute as a valid defense. Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, are a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me. I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the XXXX XXXX XXXX and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for 7 years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you may do the right thing. I have no intention of renewing the expired statute of limitations, so please stop wasting your time contacting me. I expect this will be the last time I hear from you, and I expect the following account to be deleted from my credit report within 7 days COMENITYBANK/VICTORIA XXXX.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My fiance XXXX XXXX and I have a Victorias Secret credit card by Comenity Bank. I am an authorized user and I am authorized to know information on this account. On XX/XX/XXXX. I had made a payment of {$75.00} then on XX/XX/XXXX. I made another payment of {$100.00}. I wrote two checks and I paid my payments at the store, then on XX/XX/XXXX I got a call from Comenity Bank saying that I have missed both XXXX and XXXX payments and in order to put my credit in good standing I had to make a payment, so I did a one time payment over the phone for {$100.00}. I noticed on my bank account that two transactions of {$100.00} were taken out. So I called my bank and I disputed one of the {$100.00} transaction with them. So my financial Institution XXXX XXXX gave me {$100.00} provisional credit while my account with them was under investigation. However, my payment to Comenity for {$100.00} was done on XX/XX/XXXX XXXX but on XX/XX/XXXX Comenity discredited my payment showing that I never made a payment for XXXX so I would like to know where my {$100.00} payment went and I have sent them so much information through their online message center. Still they refuse to credit my account of the {$100.00} that I paid on XXXX XXXX. Every time I call, I talk to a different supervisor and have to explain myself over and over. It is so frustrating. And they listen to my issues and tell me not to pay the bill because they see that Comenity owes me that money and my bill is already paid in full but here I am getting late fees and interest. This account has been under investigation with them since XX/XX/XXXX ever since they lost my first two check payments at Victoria Secrets in the XXXX XXXX XXXX. Finally on XX/XX/XXXX store relations department resolved and found both checks for payments in XXXX and XXXX. I have sent Comenity all my information like bank statements the checks they cashed and went missing for proof of payments, a letter from my bank with an overhead. I just dont know what to do now. I feel I provided a lot of information. Banks statement should be enough.
Company Response:
State: CA
Zip: 92410
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX COMENITYBANK/CAESARS Account # XXXX XX/XX/XXXX COMENITYBANK/CAESARS XXXX XXXX XXXX, XXXX OH XXXX Dear Sir, Maam, Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00}, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. XXXX XXXX
Company Response:
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have been a victim of identity theft in the pass which resulted in fraudulent accounts attached to my credit file have disputed with XXXX several times but the company states the the compromised info matches I explained several times that identity theft case the information would match because its been compromised that was the reason to notify them and provide supporting documentation of this crime but my rights continue to be violated by XXXX and the creditor
Company Response:
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A