Date Received: 2023-03-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a senior citizen Identity theft victim I XXXX XXXX XXXX year old identity theft victim Some criminal fraudulently opened 2 credit cards in my name with Comenity Capital Bank XXXX XXXX XXXX XXXX Ohio XXXX Some Thief opened a ikEA Comenity Bank credit card acct ending in # XXXX In my name I received a bill from Comenity Bank. Saying I owe a balance of {$870.00} due to them by XX/XX/2023 for a IKEA credit card account I did not apply For I did not open this this credit card someone stole my identity opening this Comenity credit card I do not owe money to Comenity bank I also received a separate letter from Comenity bank thanking me for a credit card application for XXXX XXXX XXXX Comenity Bank credit card saying to reply within 14 days to. Infirm infirmation I did NOt apply for either of these credit cards Im a XXXX citizen Victim of stolen identity XXXX XXXX XXXX
Company Response:
State: CA
Zip: 91745
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity Bank repeatedly calls me up to 10-15 times a day for payment on my credit card. Sometimes they call from a blocked number, every other minute. They have somehow gotten my mother 's phone number and have left her voicemails saying that they have attempted to call my place of employment- which is in fact illegal. She has kept these voicemails and they include the names of the representative. I also have a voicemail from representatives XXXX and XXXX on XX/XX/2023, stating that he recommends that it would be in my best interest to contact him with the name of my attorney, and if not, then to call him.
Company Response:
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I reviewed my Consumer Report and noticed that I had late payments that I have never been late for. There are also discrepancies among each reporting agency that conflict with each other when reporting : " date of last activity '' " balance amount '' " Date account opened '' " Date of last activity '' etc., Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with maximum accuracy. I have never been late on payments for this account : Avenue Credit Card XXXX XXXX Comenity Bank There are also a lot of discrepancies between each of the credit report agencies and I want this incorrect information removed. Please investigate this and provide proof with statements showing that these payments were late. If proof can't be provided, I demand that these payments be updated to on time as they should be as I was NEVER late. Thanks, XXXX XXXX
Company Response:
State: SC
Zip: 29036
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: First about a year or two ago my credit card was hacked and over {$3000.00} was spent on XXXX ads in XX/XX/2022 I was notified through a credit alert, which if I had not had the alert, I wouldve not known that my credit card information had been hijacked and I had a complete account takeover with the CommenityXXXX and Commenity Victoria Secrets card when I called them, they stated that someone called in and had my name date of birth address, social - last four of my social and asked to get an urgent card and to change and that they had just moved so they were allowed to change all of my information and phone number address everything and what received a card without any verification. I filed a report with the FTC we put a security password on all of my accounts with community and I called all of my other credit cards and did the same thing I froze my credit reports. I put fraud alerts on them and then on XX/XX/XXXX. I received another alert from XXXX that my address had been once again changed due to the XXXX Commenity and VS Commenity credit card, I called XXXX Commenity credit card and spoke with the fraud department. They said that someone called in and changed my address and all of my information. I asked for a supervisor because I had a security password on the account. No one should gain access to this account, and upon talking to the supervisor, she admitted that unfortunately the representative failed to ask for the security password and allowed this person to change all of my information, locked me out of my online portal, receive a credit card to their address, which updated my credit file and caused all kinds of problems within my credit bureau files, caused numerous hours of research with more to go and Ive had to redo a identity theft with FTC When I was speaking with a supervisor, I asked her what more can I do? How can I trust that my information is safe they are allowing for me to be harassed hassled, and go through all of this for their failure to provide proper security on my account, and she said that there was nothing absolutely nothing more that they could do. That was the only secure steps that they had, and that she would talk to the person who Allowed the information to be changed. That is not good enough its not acceptable its not appropriate and it violates my privacy. It hurts my credit and it causes all kinds of problems with identity theft. I dont know if this person has all of my information or if this is just a random act. This card has been taken over or hacked at least 3 times now. I want to seek legal action and do whatever possible to protect myself. I cant cancel this card as I owe a balance and I need to research all charges at this point as I am not sure what is what anymore. In the word of identity theft, cyber hacking, etc we should be able to trust our banks to keep of safe - especially if we have extra safety protocols. This is unacceptable and disturbing and has caused me anxiety and stress and missed work. This is negligence and they willfully ignored the law and my rights.
Company Response:
State: NC
Zip: 27012
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1692 - Congressional findings and Declaration of purpose ( a ) Abusive practices : There is an abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of bankruptcies, marital instabilities, loss of jobs, and invasions of individual privacy. Consumer was viewing consumer report ( XXXX ) and noticed an account reported on consumer by COMENITY BANK ANNTYLR in the alleged amount of XXXX dollars and XXXX cents in which the date reported is XX/XX/2023 when in fact this account is 7 years old. It also reports as a Collection and Charge-off when in fact an account can't have the status of both. As federal laws state : a consumer has a right to a fair and accurate consumer report. Account type also reports a balance of XXXX when in fact a charge-off has no collection balance because it has become a Tax write off in satisfaction of alleged debt. Age of account reflects 1 month which is a false statement when in fact this account is 7 years old. Per XXXX5 USC 1692a ( 6 ) ( f ) COMENITY BANK ANNTYLR violates consumers rights by falsely claiming that an alleged debt is owed to COMENITY BANK ANNTYLR by consumer arising out of a loan that was given through equal consideration by both parties and signed and agreed upon in bona fide agreement of both parties. COMENITY BANK ANNTYLR violates consumers rights by deception that COMENITY BANK ANNTYLR loaned consumer any money when in fact Banks can't loan any money. Per 15 USC 1692c : Communication in connection with debt collection ; COMENITY BANK ANNTYLR violates consumers rights by communication directly or indirectly without the Prior consent of the consumer. The term " Communication '' as defined in 15 USC 1692a ( 3 ) - the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. A " Person '' is defined by law as any entity, corporation, estate, trust, LLC, or individual. An " individual '' is defined by law as a Person. The term " Medium '' is defined by law as a means by which something is transfered or conveyed to the method of business communications. ( The alleged debt was transferred and conveyed to XXXX ). Per 15 USC 1692c ( b ) COMENITY BANK ANNTYLR violates consumers rights by communication with third party without the expressed consent of the consumer or without having express permission of a court of competent jurisdiction to remedy a post judgment. Per 15 USC 1692d COMENITY BANK ANNTYLR violates consumers rights through mental anguish by way of oppression, knowing that it would harm consumer, by the transference and conveyance of alleged debt to third party entity ( XXXX ) by publication to a consumer reporting agency for the advertisement for sale in order to coerce consumer into paying alleged debt without meeting the requirements of 15 USC 1681a ( f ) and 15 USC 1681b ( 3 ). Per 15 USC 1692e - False or misleading representation ; COMENITY BANK ANNTYLR violates consumers rights by the false representation of character, amount and legal status of any debt, services rendered where compensation may be lawfully received by a debt collector, the threat of taking action that can not legally be taken, forcing to become subject to any practice taken by COMENITY BANK ANNTYLR that was prohibited by law, the implication that the consumer committed a crime of conduct which disgraced the consumer, the distribution of written communication which was falsely represented to be a document authorized, issued or approved by any court, official or agent of the United States which creates false impression to it's source, authorization or approval, the false representation that documents are legal process. Per 15 USC 1692 ( f ) COMENITY BANK ANNTYLR violates consumers rights through unfair or unconscionable means to collect alleged debt which is a violation of this section, the collection of any amount unless such a amount was expressly authorized by the agreement creating the debt. Per 15 USC 1692g ( a ) ( 4 ) COMENITY BANK ANNTYLR violates consumers rights not notifying consumer of any judgment rendered against consumer in connection with any alleged debt. Per 15 USC 1692g ( c ) COMENITY BANK ANNTYLR violates consumers rights through failure of admissions by COMENITY BANK ANNTYLR that failure of the consumer to dispute the validity of any alleged debt May Not be construed by any court as an admission of liability to any alleged debt by the consumer. Per 15 USC 1692g ( e ) COMENITY BANK ANNTYLR violates consumers rights required by title 26, title V of Gramm-Leach-Billy Act [ 15 U.S.C 6801 et. seq. ] by participating as a Financial Institution and not taking the necessary precautions to protect the personal information and privacy of the consumer. Per 15 USC 1692i COMENITY BANK ANNTYLR violates consumers rights by lack of due process of law in failure of proper action and enforcement in a judicial district to show proof of which a signed contract by consumer is valid for sue. Per 15 USC 1692i ( b ) COMENITY BANK ANNTYLR violates consumers rights in which nothing in this subchapter authorized the bringing of actions to collect a debt
Company Response:
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After checking my CONSUMER report I noticed a few updates with companies posting there. COMENITY BANK/BOSTON STO being one of the companies. COMENITY BANK/BOSTON STO is alleging that i have an alleged debt totaling {$250.00} dollars with them. I don't recognize them, nor have I received any documentation from them. Im asking that the CFPB please investigate them and remove them from my CONSUMER report. Please ask for documents showing that I agreed to them reporting on my CONSUMER report. Thank. you
Company Response:
State: WI
Zip: 53208
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXXXXXX acct # XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX acct # XXXX have ALL violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Comenity Bank underwrites the PayBoo credit card for XXXX & XXXX XXXX in New York. It is a card that is only usable at XXXX & XXXX XXXX. They have special financing offers up to 12 months no interest if paid in full by the end of the 12 months. And if the full amount of the balance is not paid within those 12 months, the entire 12 months worth of withheld interest accrued is then added to the overall balance of the card. The problem is that if a consumer uses their card to make more than one transaction on different dates, Comenity does not apply the payments made to the most recently expiring offer, which makes it extraordinarily difficult for consumers to pay off their balances and avoid the huge interest fees. For example, if I make a purchase in XX/XX/XXXX for {$1000.00}, I need to pay off that {$1000.00} purchase by XX/XX/XXXX. And then if I make another {$1000.00} purchase in XX/XX/XXXX, it wont be needed to pay off until XX/XX/XXXX. The problem is that Comenity, when applying any payments made, does not apply payments to the most imminently expiring balance. So if I make a {$200.00} payment to my account, it splits that {$200.00} between BOTH {$1000.00} transactions and applies it to each. Mathematically, this makes it extraordinarily harder for a consumer to pay off XXXX XXXX expiring balance if the money that theyre sending in to try to pay off a promotional balance its expiring in a couple of months is instead being applied to a promotional balance thats expiring in several months. Whats worse, his Comenity does not explain this in any of their statements, nor explain how the money is split, nor explain how much money you need to send in an order to get something actually paid off in time. They very clearly do this intentionally, in order to deceive their customers, so the customers dont realize all the money theyre sending in isnt actually being applied to the most urgent balance. And of course thats done intentionally because Comenity wants to be able to charge customers their exorbitant interest rates instead of having customers pay off their balances on time.
Company Response:
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Every time when I try to build available credit on my dental finance account. They take credit away from me now I only have {$75.00} available credit which I can't use for dental services. This is causing me mental distress which I shouldn't have to go through. I had {$200.00} available credit now it has been taken from me. It seems to me they don't want me to use my account anymore.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: This involves my XXXX rewards Visa. The account was originally managed by XXXX XXXX XXXX and switched to Commenity Bank in XXXX. I was advised that it would take a while for my cash back points to convert to cash back. I was interested in using these points while looking into vacations around spring/summer of XXXX and knew my points added up to over {$500.00}. I never booked a vacation or redeemed any points at this time. After the account was switched to Commenity Bank I began checking on my cash back amount to redeem so i could book a vacation. My account was only reading under {$3.00}. I called the first time on XX/XX/XXXX and spoke with an XXXX who advised it was still processing. My XXXX travel agent advised this was strange and she has heard of other XXXX customers having issues. She also advised that her personal account had already converted and it happened a few months prior. I accessed my account and looked at my cash back section to find approximately 30 individual items listing cash back adjustments on XX/XX/XXXX and all equalled {$610.00}. On XX/XX/XXXX the value lists {$0.00}. I called two more times and spile to an XXXX on XX/XX/XXXX. I was on the call for almost an hour and wanted to speak with a supervisor. XXXX kept leaving me on hold saying he was trying to get a supervisor and tried to convince me to call back. He ended up coming on and saying no supervisor was available. The last time I called I forgot who I spoke with but everything was explained and they said they couldn't access the cash back history. I advised that I could and I never redeemed anything from my account and wanted to know why it went to XXXX on XX/XX/XXXX and they advised they could not tell me. Now I see that I was getting the run around from each customer service agent I spoke to. Either way they are responsible for my account and need to rectify replacing my {$610.00}. I have screen shots showing all of these transactions too. My cash back still only shows {$2.00}
Company Response:
State: NJ
Zip: 07701
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A