Date Received: 2023-04-09
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 have several account that are over 7 years from the date of last activity still showing on my credit report. I hav disputed them several times and neither the credit bureau nor creditor has remove the information nor have they provided proof that the information I have is incorrect. I fell ill in 2016 while XXXX and was placed on XXXX. It took several month for my XXXX payments to start causing my last activity payments to be in XXXX of 2016. When I request statements from the creditors my request is met with a bill but no proof of last activity on their part. The majority of these accounts are with commenity bank aka bread financial ( I had # 7 store accounts with them ), XXXX XXXX XXXX ( this is only one acct but reported twice with different acct numbers ), XXXX, XXXX, and XXXX XXXX XXXX. Every time I dispute date of last activity is over 7 years their reply is charged off account and then their remarks being posted drops my credit score! Of course it is a charged off account but date of last activity is over 7 years.
Company Response:
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On the XXXX of XX/XX/2022, i deposited {$100000.00} into my Comenity Direct now recently branded as Bread Savings in order to benefit from their high APY of about 1 %. My account has been restricted since XXXX of 2022. Making it over a year since my account has been restricted. I have been calling for over a year now and all i am been told is my account is under review and they dont know how long the review is going to take. Give me my money please it is over a year and this is daylight robbery! I am a XXXX year old woman and i am down with a XXXX. I put all my life savings into Comenity Direct in order to benefit from their high APY. As a result of Comenity Direct restricting my account and denying me access to my money my life has been unbearable for the past year from sleepless nights and skipping on buying my XXXX medication because i just cant afford it. It is unfair how i am being treated by Comenity Direct.
Company Response:
State: TN
Zip: 38122
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
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: In XXXX of XXXX, I received a billing snapshot from New York & Company, Comenity Bank for {$37.00} via email. I contacted Comenity bank 's customer service and informed them that the charge was fraudulent. I was advised by the Comenity rep. that the card would be canceled and that a fraud investigation of the charge would start immediately. The representative disconnected the call without providing me with a reference number. I received another email snapshot from Comenity Bank on XX/XX/XXXX for a past-due bill of {$37.00} plus a late fee. I contacted the organization again and was advised by a representative that the fraud investigation takes up to 90 days and during the investigation, I will continue to receive monthly snapshots of the disputed charges. I called back on XX/XX/XXXX and spoke with a representative who transferred me 3 more times. I was told by the 4th representative to contact the collection department at XXXX. I called the number, and the representative in the collections department informed that he was unable to assist and redirected me back to customer service. I didn't get any assistance from the rep. so I asked the last rep. that I spoke with to mail my statements from XXXX. I received only one statement for XX/XX/XXXX. I tried to access my online statements to no avail. I have requested a password reset link several times and did not receive a link to reset my password. Comenity Bank has been sending late payment reports of the charges to all 3 credit bureaus without proof that the charges are accurate and refusing to communicate their findings with me. The negative reporting to the credit bureaus is taking having a financial impact on my growing power. Your assistance in this matter would be greatly appreciated.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
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: The original issue I had with Comenity Bank is that months after selling my debt to a collection agency the account was still showing open with late payments. I disputed the account and they attempted to update after months of inaccurate reporting. Now it shows as a charge off debt that was written off as a charge off yet I have received no 1099-c from the IRS. 26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities. This is considered trust fraud. As the debt was supposedly written off in XX/XX/2022. I am demanding that comenity bank remove this debt immediately or I will take further actions against them and their business practices.
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Received a letter dated XX/XX/23 signed by Attorneys for XXXX XXXX XXXX , Inc. indicating a debt of {$9200.00} to be collected. I have no such debt and the attached documentation does not specify the original creditor, except at the top the letter : COMENITY CAPITAL BANK. I have never done business nor have had accounts with this institution. This is a fraudulent attempt to collect money.
Company Response:
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I paid off the collection because I did not know I could dispute it. They stated That if I paid in full, they would ask credit bureaus to remove the debt from my credit report within 30 days. I paid in full in XX/XX/2021. However, it has been over a year, and nothing has changed on my report. While I understand that they are required to ask for removal after 7 years, there is nothing special about this timeline. That is the amount of time it takes to naturally fall off of a credit report. I only paid in full to prevent the statue of limitations timeframe from restarting and to have the debt associated with me removed from my credit report despite one of the accounts being XXXX XXXX XXXX. I asked them to provide me a copy of the report they sent to the credit bureaus but they stated that they were unable to speak to that or provide me with a date in which the letter was sent.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On Saturday, XX/XX/XXXX at approximately XXXX I received a telephone call from a debt collector who identified themselves as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, alleging that I owed {$420.00} from XX/XX/XXXX for a XXXX XXXX. I telephoned XXXX, with the agent from XXXX XXXX XXXX ( hereafter referred to as XXXX ) conferenced on the line. The XXXX agent went over the order number in question ( Order # XXXX ) and explained to the agent that the item ordered had been cancelled. At which point the agent informed me that she would pass the information over to her 'account team ' for 'verification. ' I then received a letter from the agent, XXXX, at XXXX telling me that because it was coded as a 'bad debt writeoff ' ( it is obvious that my cancelled order was incorrectly coded by Bread Financial, the loan provider ) I therefore owed the amount in question. Despite the order having been canceled and no item received. It is seems rather obvious that Bread Financial must have incorrectly coded the return and the sold off my account, along with other 'bad debt ' to this collection agency. Now they are attempting to collect a non-existent debt even after having been told that the item/order in question was cancelled. Pursuant to FDCPA 807, 2 ( a ) they are in violation by attempting to collect a debt which they have been informed, from the originator, was not correct. Your help would be greatly appreciated.
Company Response:
State: FL
Zip: 32757
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was at XXXX XXXX in XX/XX/2022 to celebrate my birthday with my wife. Someone told my wife that there was an interesting site seeing where she could see a resort and have gift, and everything would end within 30 mins. She came to tell me, and I agreed to go with her. On getting there XX/XX/2022, we realized it was a deception and it was a marketing strategy by XXXX XXXXXXXX and XXXX XXXX. We were directed to XXXX XXXXXXXX where we were held for like 4hrs, and after they asked us to join their membership, we said no. They tried to convince us, but we insisted No, and we were directed to a guy called XXXX to check us out and give us the gift. When we got to him, instead of checking us out, he started talking about why we are refusing to be part of the vacation club member. I said I was not interested, at this point my wife was dehydrated and weak, and she felt the only option she had for her safety was to say yes. She said yes, and she told me in our local language that she would let them know after leaving there that she was forced to say yes because she feared for her safety, and she would retract her interest. I insisted I was not interested. XXXX told me that I would need to give him my information to support my wife 's interest, and that has no financial responsibility. He also said that the contract document would be mailed to my wife, and she would become a member only after signing the contract document. After collecting all my information, I requested a give me a copy of the show of interest document since he said he would give us a copy of the document. XXXX responded that it would come along with the contract document, and it would be useless, until my wife sign 's the contract and mail it back to him. We left that day and returned to our base. On the XXXX of XXXX, the welcome package came under my wife 's name without any contract document, and we placed a call to the numbers on the documents to tell them that my wife was not interested. The lines were going to voice mail automatically, and voice message was left to show that she was not interested any more, and her initial show of interest was based on fear for her safety. Towards the end of XXXX, then I saw a letter that a vacation credit has been approved under my name and bill from Comenity bank expecting my monthly payment for a total approved credit of around {$3200.00}. I called Comenity bank and they said it was vacation credit that I applied for through XXXX. I said I never applied for any credit, and they said I need to talk to XXXX XXXX. I asked them how would they approve a loan applied by a person on another person 's behalf without verifying with that person? They said since the person has all my information, they believe and approved it. I asked what if the information was obtained fraudulently? They were not able to give further answer. I said XXXX fraudulently used my information to obtain this vacation credit. They said their investigation showed it was true contract. Then I realized they were all involved in this fraud. I also contacted XXXX, and they insisted it was a valid contract. I said I did not sign any contract, and the XXXX fraudulently used my information to obtain a vacation credit. That how come the name on the welcome package and contract be different? I contacted XXXX, directors, and presidents, and it is 4 months now, they have not closed the account and the kept sending me bills and spoiling my credit score. I have sent countless number of mails and emails, I asked the bank to tell XXXX to return the loan that I disputed it, nothing is done till now, and they kept saying they are valid charges. I also requested for a copy of the forged contract document, no one is sending it to me. While Comenity band had refused to retract the loan under my name. Also, XXXX has refused to respond to countless emails I send, and their organization has done nothing to close this fraudulent account. The tracking number for the letters I sent through USPS are shown below : XXXX addressed to XXXX XXXX XXXX addressed to XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX addressed to Comneity Bank XXXXXXXX addressed to XXXX XXXX XXXX addressed to Comneity Bank Fraud Dept XXXX addressed to Comneity Customer Relation XXXX addressed to Comneity Bank Customer Relation XXXX addressed to Comneity Bank Fraud Dept
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I receive numerous calls throughout the day from this company. Three calls in one hour on most days. On XX/XX/ I received calls at XXXXXXXX XXXX XXXX XXXX and XXXX XXXX. On on XX/XX/ I got calls at XXXX and XXXX XXXX On XX/XX/ I got calls at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. This happens multiple days in a row and all day long. They have called numbers that I did not give them to call and told them I have credit card delinquency and they are trying to contact me.
Company Response:
State: MT
Zip: 593XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2023, I redeemed cashback rewards totaling {$110.00} from my credit card to my checking account ( see image XXXX ). I received in my checking account {$1.00} on XX/XX/2023 ( see image XXXX ). This was clearly the wrong amount, so I contacted them via their secure message system on the same day ( see image XXXX ). They responded XX/XX/2023 indicating a dispute had been initiated, and they would follow up with a response by mail ( see XXXX ). I called their customer service line XX/XX/2023 to follow up on the dispute. I was told they had recognized the issue, but were still working through it. I followed up XX/XX/2023 via secure message since I had still not received a response or update. They replied with more or less the same response about the dispute on XX/XX/2023 ( see XXXX ). I called later that day to inquire further. The CS rep I spoke with mentioned they had a fix in progress, and that I should see my deposit soon. She also mentioned others were affected by this issue. As of today, XX/XX/2023, I still have not received the full amount I redeemed. While I understand they have an issue in their system, it is clear they recognize the problem, but they have not taken steps to make me whole. It's been almost 40 days since I redeemed my cashback, and me receiving it should not depend on them tracking down a bug in their own system.
Company Response:
State: MD
Zip: 20877
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A