Date Received: 2023-03-07
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: Updated information & documents. XXXX XXXX XXXX XXXXComenity Bank violated my federal rights and placed an unauthorized inquiry on my credit report. see attached document Comenity Bank dispute notice.
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Comenity Capital Bank XXXX XXXX Account # XXXX has 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 an 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 any purpose.
Company Response:
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I did not apply for these accounts, I did not have access to the lines of credit. These are not my accounts. Appeared on credit report, sent letters to dispute accounts XXXX XXXXXXXX Dates letters sent : XXXX, XX/XX/2023 XXXX Credit Amount : {$500.00} Sent letters stating this account is not mine, does not belong to me. No response. XXXX Dates letters sent : XXXX, XX/XX/2023 XXXX Credit Amount : {$500.00} Sent letters stating this account is not mine, does not belong to me. No response. XXXX XXXX XXXX XXXXXXXX Dates letters sent : XXXX, XXXX XXXX Credit Amount : {$250.00} Sent letters stating this account is not mine, does not belong to me. No response.
Company Response:
State: TN
Zip: 37167
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: * XX/XX/XXXX - XXXXComenity Bank continued to charge me {$6300.00} plus {$15.00} interest for something ( a puppy ) that I never received or took possession of. * I am being charged for a {$6300.00} store credit that was created by XXXX when I changed my mind about purchasing a puppy on XX/XX/XXXX. * I initially visited XXXX on Friday, XX/XX/XXXX. A sales agent asked me if I was interested in knowing what the monthly payment would be on the puppy I was looking at. I said sure. I did not authorize XXXX to process a credit card application. I was subsequently told that I had been approved for a purchase. Three days later ( XX/XX/XXXX, after not picking up a puppy, I visited XXXX and informed the manager that I changed my mind. Instead of reversing the transaction, the manager told me that I had to accept a store credit and pay Comenity Bank. I do not have a puppy and I never took possession of a puppy. * XXXX XXXX management informed me on Tuesday XX/XX/XXXX ( in the store ) and Thursday, XX/XX/XXXX ( via phone ) that I must pay Comenity Bank {$190.00} a month to pay off their {$6300.00} store credit for 3 years regardless of whether I ever use the store credit or not regardless of whether I ever get a puppy from XXXX. * Comenity Bank sent me a XXXX credit card that I never activated. An adhesive strip attached to the credit card states " Call BEFORE USE to CONFIRM RECEIPT of your credit card and hear how to receive a {$20.00} GIFT CARD. '' * XX/XX/XXXX - I called Comenity Bank and disputed the charge on a credit card statement that closed XX/XX/XXXX, which I received in the mail. I was told that the matter would be investigated and I should get a letter in the mail within 30 days. * When I told the Comenity Bank representative that I never activated the XXXX credit card, the representative said XXXX activated it in the store.
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15. U.S.C 16881 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692. COMENITYBANK/VICTORIA Account XXXX XXXX {$520.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX {$680.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX {$1900.00} my remedy to this is for these accounts to be removed from all credit reporting agencies.
Company Response:
State: FL
Zip: 32207
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Add on to complaint XXXX Hi, Comenity Bank responded by restoring my rewards points. The problem is they say they are having problems with direct deposit redemptions. This has been ongoing since at least my original complaint of XX/XX/2022. At this point I want my rewards points redeemed in dollars. The only acceptable resolution is that if they can't do it electronically they write me a check. Thanks - XXXX
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Comenity Capital Bank, which issues the XXXX store credit card, had an account listed on my credit report that was fraudulently opened in my name. On XXXX, I received a letter from Comenity Capital stating their investigation determined the account was indeed fraud and they would send a letter to me and to all 3 credit bureaus stating this account needs to be removed from my reports as it is fraud. Comenity Bank confirmed my account was closed and also stated there is a credit balance of {$82.00} that will be issued in the form of a check and mailed to me within a week to bring the balance to {$0.00}. I received the check. I also mailed a copy of this letter to all credit bureaus to ensure they received it as this account is derogatory and negatively impacting my credit. On XXXX, I called XXXX at XXXX, as I noticed this account was still appearing on my credit report and was showing inaccurate account information from XX/XX/2022, never properly investigating initially clearly, leaving the date verified space blank. XXXX advised me to call XXXX even though XXXX confirmed they had the letter from Comenity in my file to remove the account?! And didnt?! XXXX inaccurate information being reported for this account are 1 ) they report it as open 2 ) they report as having never been disputed 3 ) reporting a balance owed of {$250.00} 4 ) reporting the past due amount of {$64.00} 5 ) charge amount in the high column is credit limit. On XXXX I called the Account Protection Team at Comenity Capital Bank at XXXX, and spoke to XXXX re : the account still appearing on reports and account information not being updated, again causing huge consequences for credit dropping due to no fault of my own. She reviewed my account and confirmed the account was closed and the balance was {$0.00}, but said couldnt do anything or send anything over to the bureaus at this point to update the inaccurate info that was being reported. She referred me back to XXXX and advised me to open a dispute with them, then they would verify with them and the account would be updated. First, no I already did this, and didnt happen. Second, that is absolutely not the responsibility of anyone else but Comenity to report and provide accurate information, and not only did they not, but they refused to take the steps needed to ensure the bureaus were accurate. Instead, it was blamed on the bureaus. I am including the letter that was mailed to me and sent to the bureaus stating to remove this account as it is fraud.
Company Response:
State: FL
Zip: 32258
Submitted Via: Web
Date Sent: 2023-03-05
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: XXXX and XXXX, creditors reporting negative information on credit report
Company Response:
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I ordered what do you {$47.00} through XXXX 's website for clothes to my son late XXXX. I contacted when I never received the order. I was credited the amount of the order on to the XXXX 's credit card which is held through comenity. That was the only purchase that was on at card. There was no forwarding balance therefore when that credit was applied. It took my balance to {$0.00} so the credit card company charged my account a {$29.00} return payment fee for an account that had a {$0.00} balance. I tried contacting the credit card company and I got absolutely nowhere except being placed on hold or hung up on, When I Explained the situation and would ask for an explanation as to how I get charged a return payment fee for an account that has a XXXX balance. Provided all documentation showing the credit before the payment due resulting in {$0.00} due. I submitted a XXXX complaint paid the fee as to not occur any more fees while awaiting am answer as to my complaint of which I have not received thru the XXXX complaint or thru the inquiries I have submitted thru their website. I waited until the due date to make the payment. Now they are attempting to charge a late Payment fee. This is getting out of hand.
Company Response:
State: IN
Zip: 46135
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: The XXXX XXXX XXXX XXXX with Comenity Bank advertises two introductory offers, a {$50.00} store code and a free game ( up to {$75.00} ) when you spend {$500.00} within the first 60 days outside of Sony 's store/website. I applied for this credit card on XX/XX/XXXX last year, the weekend after XXXX, and I activated this card on XXXX when I received it in the mail. I immediately started using the card on XXXX and made {$500.00} of purchases outside Sony 's store/website by XX/XX/XXXX. I first contacted XXXX XXXX ' customer service on XX/XX/XXXX about not receiving either of the $ XXXX {$75.00} introductory offers. I called them back later that week because I never received any email confirmation from having contacting them the first time on XX/XX/XXXX. They generated a case # XXXX and escalated it at this time ( approx XX/XX/XXXX ). I called them back on XXXX and again on XXXX asking for updates, but they have not been able to provide me with any update other than that they are aware of some kind of issue where some customers may not be receiving their store codes/introductory offers, and to keep waiting. They are giving me the runaround ; I should have received these introductory offers months ago.
Company Response:
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A