Date Received: 2023-04-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Comenity Bank/AnnTylr is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Comenity Bank/AnnTylr to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; Comenity Bank/AnnTylr did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking Comenity Bank/AnnTylr to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )
Company Response:
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2023 I received a text alert from Comenity Bank indicating that my Kay Jeweler 's account had a purchase attempt in the amount of {$7700.00}. A few days later, it was discovered to be a fraudulent attempt of an out of state purchase at an outlet store that was declined. I requested further action to be pursued as this is an attempt at Grand Larceny. I have heard nothing since of such resolution. Shortly thereafter, I noticed a Hard Inquiry on my credit profile for a credit line increase from Comenity Bank. I attempted to dispute this thru the credit bureau, with no luck. I disputed this thru Comenity Bank and was informed that it was I who indeed made the request for a credit line increase on XX/XX/2023. This is absolutely not true, and correlates to the date of the fraudulent purchase attempt. I tried to explain this to 3 different representatives on the phone today. Nobody would assist me. I demanded my account be closed. It is still open. This company is irresponsible with my credit and security.
Company Response:
State: NY
Zip: 134XX
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: After filing my first complaint the response was that the company would not call me further to collect the debt and I was placed on their do not call list. Since then I have been harassed in the very same manner. Calls repetitively followed by loud and rude comments and obscene language.
Company Response:
State: WA
Zip: 98391
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
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: On XX/XX/XXXX, I made a $ XXXX purchase on my Comenity XXXX. My plan was to pay off the balance the following month. However, I was unable to due to issues with the company 's website. I made many attempts to contacting them with no success. I even sent a letter to them informing them of my difficulties to pay off my balance. On XX/XX/XXXX, I manage to pay $ XXXX towards my balance. Since I didn't pay off the balance, {$75.00} interest was added on my balance despite their website was under update, so I was told. the company still charged me even though I asked for waiver. On XXXX, XXXX, I made a payment of $ XXXX which and additional interest of {$64.00} was added again to my balance. On XX/XX/XXXX, I contacted customer service to pay off the balance once and for all. I asked for the current balance to be paid and was told {$2100.00} I paid it off. Then a week later I checked my account and noticed I still had a balance which now increased to {$2100.00}. So, XX/XX/XXXX, I called customer service once again and was told that the payment I had made was returned, so extra fees was applied. I told them that I would pay the balance and requesting that my account be closed permanently. They agreed to comply with my request. The following month I received a statement for a balance of {$49.00} I have been trying to dispute the balance ever since and as of XX/XX/XXXX, my balance is {$300.00} of just fees which I have asked to close the account not including any purchases. I made several attempts to resolve this concern, however, Comenity made no effort to assist me. I even reached out to the CEO of the company. This issue has affected my credit score and wants it resolve. Please help me for I'm running out of options.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Bank, XXXX, and XXXX continue to report Victoria Secret Acct # XXXX XXXX XXXX account # - XXXX XXXX XXXXAcct # XXXX as DEROGATORY AND In COLLECTION/CHARGEOFF status when these accounts have been settled AND PAID. The account status and payment status should reflect PAID AS AGREED AND PAID AND CLOSED. I have disputed this issue with the CFPB and still have not received any help. Comenity Bank continues to violate the law and violate my consumer right to have the accounts reported correctly. I have attached yet again a current copy of the credit report directly from XXXX and XXXX which shows they are incorrectly reporting these two accounts as derogatory when they should reflect current and paid. I am now forced to hire a consumer attorney and sue the credit bureaus to fix this matter. Comenity Bank has FRAUDENTLY marked my account as being late in XXXX XXXX XXXX when the accounts have been paid off over 2 years ago. Comenity Bank, XXXX and XXXX have ruined my credit by inserting inaccurate information
Company Response:
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I stayed at a XXXX XXXX XXXX XXXX, in XXXX XXXX, NJ around XX/XX/2022 as a hotel stay. When arriving at the resort, I was asked to go through a presentation the next morning. They asked for certain personal information and I asked them why? They wanted to see what services they could provide me for future lodging stays. I clearly told them that I wasn't interested in anything that was going to cost me money. They said it wouldn't after I clearly told them that I was not interested. Against my better judgment, I decided to go through the session ( strong-armed ) and I gave them information that I should not have given them. The accomodations were very nice but I was NOT interested. After sitting with a consultant who was describing to me what I thought was a time-sharing program. They tried to provide me with several future vacation options. Well long story short, their account is now showing up on my credit report and I want to get it cleared. I just wanted to enjoy my stay and I do not like that this is listed on my credit report.
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: On XX/XX/23 someone, somehow fraudulently opened an IKEA Projekt Credit Card in my name ( I have never had an IKEA card at any point in time ). I didn't realize this until I was mailed an actual credit card along with a statement to my house on XX/XX/23. I called IKEA to report the fraud and asked that they close the account and report to the 3 credit bureaus. I also called the 3 credit bureaus, placed a freeze as well as opened a dispute with IKEA and the credit bureaus. I also opened a dispute with IdentityTheft.gov and even went to the police station to file a report for identify theft. I went to the post office as well to make sure no one tried to forward my mail. I have excellent credit ( XXXX ) and have never had a late payment or issue in the past. On XX/XX/23 I called IKEA back as it appeared from one of the credit agencies that the dispute was closed. I was informed that the account was closed on XX/XX/23 ( though I called on XX/XX/23 to have this closed ) and they said the account was valid so they had also closed the dispute. In speaking with the customer agent and asking them to re-open the dispute I wondered how someone could have opened this account in my name. She mentioned they allow for " virtual cards ''. I then went on the IKEA website and tried to walk through the process of how an account could be opened. Apparently you can pre-qualify for a card with just your mobile #, last 4 digits of an SSN and zip code. This is unbelievable! I told the agent that everyone uses this information to authenticate when you call into any customer service center. So anyone has this and can then go to IKEA.com and open a card. I believe this is what could have happened since there were only charges on that one day ( XX/XX/23 ) and then the physical card was then mailed to my house. I don't believe my SSN was fully compromised as there have been no other fraudulent activity on my credit report, just this IKEA card. This tells me that someone knew how easy it was to open a card with IKEA and it could have been any number of people who authenticate individuals with their phone number, last 4 digits of their SSN and address.
Company Response:
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a {$100.00} rewards balance that is unable to be redeemed. I have attempted multiple times to use it via direct deposit and have had error after error. Customer service admits there was a " glitch '' but now they are telling me by the end of XXXX when it has gone on over 90 days already.
Company Response:
State: NY
Zip: 117XX
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: 2023-03-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023 The Credit bureaus stated Account CCB/ULTA & Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well
Company Response:
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity bank is leaving me daily voice-mails. I have NO accounts with them. I have verified this on all 3 of my credit reports. No accounts have been opened by me or anyone else. I believe they are attempting a scam.
Company Response:
State: OH
Zip: 44130
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A