Date Received: 2023-03-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2023 at XXXX XXXX, I received an alert from XXXX XXXX of which I am a member, that a fraudulent account was opened in my name through Comenity Capital Bank for an XXXX XXXX XXXX Upon seeing the alert, I immediately informed XXXX that this account was not opened by me. About two weeks prior on XX/XX/XXXX, the first fraudulent account was opened in my name through the same bank, Comenity Capital, for a XXXX XXXX credit card. It was shut down by Comenity and XXXX the next day before any purchases were made. But it seems the same person is trying to open more accounts in my name through this same bank. On Friday, XX/XX/XXXX, after not hearing anything from XXXX yet, I called Comenity Capital Bank directly to inform them of the second fraud and ask them to cancel the account immediately. They proceeded to closed the account as directed and I put a freeze on my credit immediately afterwards.
Company Response:
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to dispute an item on my credit report from Comenity Bank/Victoria 's Secret. The item in question is a series of late payments that were reported on my account from the summer of last year. I am requesting that this information be removed from my credit report as it is inaccurate and has negatively affected my credit. During the time period in question, Comenity Bank/Victoria 's Secret experienced a system outage that impacted the ability to make online payments. This outage resulted in long wait times on their customer service line and made it impossible to make payments for the months in which the late payments occurred. I was not alone in this experience, as many other customers also experienced difficulties during this time. After several attempts to resolve the issue, I was able to speak with a manager at Comenity Bank/Victoria 's Secret who assured me that the late fees would be waived and that they would take back the months of reported late payments on my credit report. However, I have since discovered that this has not occurred and the inaccurate information remains on my credit report. The inaccurate reporting has had a significant negative impact on my credit score and has made it difficult for me to obtain credit when needed. Despite having no balance on the card currently, I would like to continue using this card once this issue has been resolved. I request that this item be removed immediately from my credit report. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: An inquiry dated for XXXX Mastercard on XX/XX/23 that I did not do. I have no more information about the account. I got that information from my XXXX credit report. As well as US XXXXXXXX XXXX that I did not inquire either.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
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'm on two interest free programs, one that is 12-months and the other is 18-months. I called and advised I wanted to pay off the 12-month of {$280.00} in full, the representative told me to make the payment and call back to have the money applied to the 12-month plan. On XX/XX/XXXX the combined balances on the account were {$1500.00}. I paid {$560.00} that day which would bring my combined balances down to {$1000.00}. I called on XX/XX/XXXX and requested {$280.00} of the {$560.00} payment to be applied to the 12-month plan to pay it off in full. XX/XX/XXXX, I logged on and my balance was now {$1200.00}. The representative did not adjust it correctly and I filed a complaint online which was resolved. The money was readjusted, and my entire account balance was {$1000.00} however, the did not apply the {$280.00} to the 12-month promotional plan, they applied it to the 18-month plan. I called again and submitted a request online, that the funds were applied incorrect and my 12-month plan which still has a balance of {$280.00} should be XXXX and paid in full, and my 18-month plan which now has a balance of {$710.00} should have a balance of {$1000.00}. I submitted a request online XX/XX/XXXX and XX/XX/XXXX, requesting the money to be re-applied as I requested on XX/XX/XXXX. To take the {$280.00} from the 18-month plan and to apply it to the 12-month plan to pay it off. The only plan that should be active is the 18-month plan with a balance of {$1000.00}. I received the following reply XX/XX/XXXX online : Until we find the best resolution for your concern, we won't collect the amount in question or report you as delinquent to the credit reporting agencies. XXXX XXXX XXXX XXXX XXXX XXXX This is absurd, that after a month, no one at Commenity Bank, can not apply money to an account as requested. I paid off the 12-month plan in full, and my 18-month plan should have a balance of {$1000.00}.
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received a bill for a valid purchase for XXXX XXXX on XX/XX/XXXX with a due date of XX/XX/XXXX. I immediately made payment via online banking with my bank in XXXX, Fl to a processing center in XXXX, TX. I was provided with 6 business days to ensure payment. On XX/XX/XXXX, I received another bill for XXXX dollars as a late fee as they indicated that they did not process my original payment ( I believe ) until XX/XX/XXXX. I immediately called them the evening of XX/XX/XXXX and they refused to waive the fee. But they informed me that they were slow in processing bills after the holidays but everything was better now. I did not want to argue so I simply paid the fee again through online banking ( which was processed by my bank on XX/XX/XXXX ) and cancelled my card. This time I was given 7 business days from receipt of bill to make payment. To my surprise, I received another bill today, XX/XX/XXXX for another XXXX dollar late fee for the XXXX dollar late fee as they indicated they processed it on XX/XX/XXXX. I do not have a store near me to make payment nor do I provide my account information online or on the phone to make payments. I paid the bill the date I received it. The post office informs me that it should take 2 days to send from XXXX to XXXX. I spoke with 7 individuals today alone telling me that they can not waive the fee as I cancelled my card nor was there anyone I could contact via phone or email but rather I could complain via mail and provided a physical address. At the rate we are going I will always have a XXXX dollar late fee each month for the late fee if they do not notify me of the bill in a more timely fashion because clearly the date received is not an appropriate amount of time.
Company Response:
State: NJ
Zip: 07840
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordant with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy 15 usc 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 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 any purpose
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Im having fraud with IKEA Childs place XXXX XXXX XXXXXXXX
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I took out an XXXX credit line through XXXX XXXX out of XXXX, OH to pay for a XXXX XXXX XXXX XXXX XXXX I had my debt paid in full in XXXX of 2022 when I could afford it and had previously paid increments. This final payment was a couple of days late, but they did not apply the late fee, so I paid the full amount. Following this, they applied a late fee that I was unaware of and after my balance was brought to {$0.00}. Since then, they have called me numerous times to " Collect a debt '' that I did not owe and used interest to raise my bill total to now over {$250.00}, and brought my credit score down by XXXX points.
Company Response:
State: IA
Zip: 50208
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor ( Comenity Bank XXXX ) has violated my rights under 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 an account without my written instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
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: Im being harassed by Victoria Secret. They are CONSTANTLY calling my phone all day everyday about me paying a bill and adding more and more fees that I put in a dispute about. They are messing my credit up. My points went down soooo much because of them. I have been trying to close my account with them for this exact reason. They Will literally call me several times a day everyday using MULTIPLE phone numbers and I would block the numbers they call off of. Even if I block the numbers, they will call me through a blocked number ( NO CALLER ID will pop up but I know its them ). I have been called several times at work, while putting my kids to sleep, trying to go to sleep or take a nap myself, when Im out driving or at a business. Its ridiculous.
Company Response:
State: MN
Zip: 55426
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A