Date Received: 2023-12-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I believe the account is invalid. COMENITY BANK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration, or material alterations and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. COMENITYXXXX XXXXXXXX
Company Response:
State: CA
Zip: 95482
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to address a matter of concern related to the accuracy of the information on my credit report. Upon reviewing my credit report, I have noticed the presence of late payments that I believe to be inaccurately reported. COMENITYBANK/VICTORIA XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or COMENITYBANK/VICTORIA customer service representative XXXX I would like to bring to your attention that the reported late payments are not reflective of my actual payment history with the mentioned creditor. I take pride in maintaining a responsible and timely payment record, and the inclusion of these late payments is both puzzling and damaging to my credit standing. In light of the above, I kindly request that you conduct a thorough investigation into the accuracy of the reported late payments and take immediate action to correct any inaccuracies found. I believe this discrepancy may be the result of an error or misunderstanding, and I am confident that a review will reveal the true nature of my payment history. I understand the importance of accurate credit reporting and the impact it has on one 's financial standing. As such, I appreciate your prompt attention to this matter and request that you provide me with written confirmation of the resolution once the necessary corrections have been made. If further information is required from my end to facilitate this process, please do not hesitate to contact me using the information provided above.
Company Response:
State: CA
Zip: 90266
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I opened a new credit card and was never sent a bill. I attempted to call and request the bill before the due date, which was never sent to me, I called the day of the Due date and made a payment through the phone, and they intentionally applied the payment the next business day to pay the late fee after confirming if it would be applied the day of. Currently, they are charging me late bill after another and still refusing to send me a bill statement.
Company Response:
State: FL
Zip: 34655
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was in Wisconsin XXXX, WI, when I started receiving alerts that transactions were being attempted on my credit cards in XXXX, OH. One of those alerts was from Comenity Bank for my Jared Jewelers, saying that there was an attempt to charge my card for {$6900.00}. I responded saying that I did not make that transaction, and it said the issue was resolved. I later received an email receipt for jewelry purchased in the Jared store in XXXX, OH. I filed a fraud claim with Comenity, and after 3 months, I received a letter in the mail stating that I had no basis to my claim and they would be putting the {$6900.00} back on my credit card for me to pay. I had also filed a police report back in XXXX with the XXXX Police Department, in XXXX, WI. The case number is XXXX. The Detective was able to get video footage, showing that 2 XXXX men, were the ones that were in the store and bought the jewelry. I am a XXXX male. They did not have my physical credit card. However, the video quality is not good enough to get an actual ID of the people.
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a charge on my account that was not in my approval or awareness. I found this out some time in XX/XX/2023. This charge came from an auto subscription online I wasn't aware of. I called Comenity Bank to take care of it right away since it was just a small amount and paid for it right away. They posted it on my account even though it was clearly a misunderstanding and a charge that wasn't supposed to be there. Somebody must have accessed my account online without my knowledge. This should have been deleted on my record since I don't use the card any longer.
Company Response:
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I got online on their website and paid the amount owed ( {$69.00} ) on XX/XX/23. It showed my balance was XXXX. I then closed the account the same day. Then on XX/XX/23 they sent me an email stating that I still owe them {$42.00} after I closed my account. Now it's already at {$86.00} ( XX/XX/23 this is all after I closed my account. All I want is for all of this taken off. I feel I don't owe this because when I paid it showed a XXXX balance and I closed the account.
Company Response:
State: TX
Zip: 75110
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Ive disputed the validity of this debt. The company refuses to remove this debt although theyve provided no information for debt validation and/or debt verification. A collection company is also reporting this debt. The amounts are between this creditor and the collection company dont match and neither have been validated. This is a clear violation of 15 U.S.C. 1681 ]. ( a ). Account XXXX should be promptly removed to prevent further damages related to the FCRA violation. The information in incorrect. It hasnt been validated. This company and the collection company are report different information for the same account.
Company Response:
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: THIS IS XXXX XXXX AND I AM DISPUTING THE ALLEGED ACCOUNT WITH DIVISION XXXX XXXX XXXX AND XXXX XXXX XXXX AND COMENITY CAPITAL BANK. I AM REQUESTING VERIFICATION UNDER OATH OF THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR FOR THIS ALLEGED DEBT. I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND DEMAND FOR XXXX XXXX XXXX AND COMENITY CAPITAL BANK TO CEASE AND DESIST ALL COMMUNICATION WITH ALL THIRD PARTIES ; XXXX, XXXX AND XXXX IMMEDIATELY.
Company Response:
State: GA
Zip: 30017
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: 2023-12-15
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 have a credit card with cominity bank, I make XXXX differences payments XXXX $ and XXXX $ on XXXX cominity bank send me billing address charge me again the XXXX $ and XXXX $ I call them and let them know I pay this money ready I open dispute with cominity capital bank i never get any results since today XX/XX/2023 cominity keep fight with me on the phone cominity capital bank need I pay the money double I have account with XXXX,,, XXXX call them and let them know we pay this money ready,, cominity keep forcing me pay the money double I send cominity capital bank my statements bank, electronical transmittal form cominity bank keep telling me their didnt receive any money from XXXX XXXX I prove cominity bank I pay the bank keep forcing me to pay again
Company Response:
State: IL
Zip: 60077
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 XX/XX/1974 the Privacy Act of XX/XX/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: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A