Date Received: 2023-03-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My XXXX credit monitoring account shows a hard inquiry using my information to : COMENITYCAPITAL/IKEAXXXX XXXX XXXX XXXX XXXX, OH XXXX Inquiry to my credit monitoring account was made on XX/XX/XXXX for a credit card.
Company Response:
State: TX
Zip: 77414
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A credit card was opened in my name on XX/XX/2023 I did not authorize to open. The credit card was opened under comenity bank ( XXXX ) a bread financial company. I had spoken to the credit card company and they have flagged the account and closed it. I additionally spoke with the fraud department at XXXX credit bureau.
Company Response:
State: IL
Zip: 60423
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: XXXX not sure if what I experienced was corporate fraud, identity theft, or a weird accident. But remembering the XXXX XXXX scandal from a few years ago, it seems possible that XXXX ( or their financial institution, Comenity Capital Bank ) may be engaging in a similar fraudulent creation of customer accounts. About a week ago ( XX/XX/XXXX ), my bank alerted me to a hard credit check on my social security number from Comenity/XXXX XXXX I havent requested any new accounts in a long time, much less from a cosmetics store, and I immediately set a credit freeze with all three credit bureaus on XX/XX/XXXX. A few days later on XX/XX/XXXX, I received a totally unasked-for XXXX visa credit card in the mail. I called and had it canceled/retracted ( on the XXXX, I think ), and XXXX customer support didnt seem to have an explanation for it. In theory, its handled now ; but XXXX a little mistrusting of corporations and thought you should be aware, just in case this is part of a broader pattern of fraud.
Company Response:
State: TX
Zip: 78759
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XXXX Comenity Bank Bill dated XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$19.00} charged {$19.00} Balance XX/XX/XXXX I Paid {$19.00} I did pay this bill late, my mother passed, my father and his wife were ill and I got XXXX. I did open the mail late, but I paid it as soon as I saw it. Bill dated XX/XX/XXXX XX/XX/XXXX Late fee {$19.00} charged XX/XX/XXXX Minimum Interest Charge {$2.00} charged {$40.00} Balance Bill dated XX/XX/XXXX XX/XX/XXXX Payment {$19.00} XX/XX/XXXX Late Fee {$37.00} charged XX/XX/XXXX Minimum Interest Charge {$2.00} charged {$60.00} Balance I called I this point and asked that the Late fees be removed. they agreed to removed one, Leaving a balance of {$23.00} per my phone call. I asked that my account be closed, I paid this {$23.00} the same day. XX/XX/XXXX Letter stating, they could not close my account as I had a XXXX cent credit balance! I called again, asking that a XXXX check be sent to me and the account closed. Statement dated XX/XX/XXXX XX/XX/XXXX Payment {$23.00} XX/XX/XXXX Finance Charge XXXX XX/XX/XXXX Refund of Late Fee - {$37.00} XX/XX/XXXX Refunds XXXX {$2.00} Balance Called again, to have this balance removed and account closed. Most of these are junk fees, far greater than the {$19.00} " membership fee '', I was originally billed for. This is the one and only late payment I have ever had. Every other bill I have connects directly to my bank and are paid directly.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in XXXX. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 XXXX, XXXX, XXXX MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; COMENITYCBXXXX XXXXXXXX
Company Response:
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
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/2022, I wrote to Comenity Bank/Victoria Secret to dispute 2 late payments showing on my account. I advised them that I called member service when I got out of the hospital to file a claim with Account Assure as I would be unable to make my payment. I further explained that Account assure failed to make the payments in a timely manner and I should not be penalized for that, I further advised the representative that according to 15 US code 1681a ; Rules of Construction, paragraph 2 exclusions and sub paragraph A subsection I that transactions are not included in the consumer report. Comenity refused to remove the late payments from my credit report in violation of the afore mentioned code.
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
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: I have a fraud alert placed on my credit report because of previous hard inquiries from a bank called Comenity capital / XXXX which was resolved with XXXX in XXXX of XXXX. On XX/XX/XXXX another inquiry from Comenity Bank Capital showed up again this time on XXXX this time when I disputed the hard inquiry I was told that even though I have a fruad alert on my account they could not remove the hard inquiry till I filed a report with the CFPB. I am a victim of repeat fraud with this particular company Comenity Capital, Thank you
Company Response:
State: PA
Zip: 19335
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received an email yesterday XXXX Saying that i have a new hard inquiry on my credit report from comenity capital bank a loan i never requested It. And i need that removed from my credit report please asap cause its affecting me with my home purchasing loan.
Company Response:
State: CA
Zip: 92231
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account with Comencitycapital/XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have right to privacy. 15USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furniss an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under any opens end consumer credit plan as late for any purpose.
Company Response:
State: CO
Zip: 80817
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On Monday XX/XX/2023 I went with my family to Ikea to order furniture for our new home that we purchased. I went in knowing that I wanted to apply for Ikea 's Projekt Credit Card and I applied on their kiosk. After an employee typed up the order and I went to pay for XXXX XXXX worth of items and the new account did not go through and said declined. The manager in store tried serval times and still nothing. They had me call Comenity ( the credit card company ) and the agent said I had a limit of {$2500.00} for the first 4 days of applying for the card. The amount I was approved for was {$7200.00} so that did not make sense. I said okay then let 's do {$2500.00} and tomorrow I will purchase the rest. Nope that didn't work, now the agent placed me on hold to get someone else and she never came back. 40 mins spent with the 1st agent and the manager in store said we can try tomorrow since I had my kids and they were hungry. While driving away I called again and another agent said the issue was that of the virtual card and the store needs to pull my account and charge it that way. Okay back to the store and nothing I called again and was given a different answer and it was because the card number was being entered manually I asked to speak to a manager and was hung up on, called again asked for a manager and I was transferred then call dropped. I called again and was finally able to get a Sr. Specialist named XXXX and he said that there is a known issue for newly opened accounts and they are trying to fixed eta 3 days. I advised XXXX that he needs to provide that Information out to the phone agents since all of them were giving me different answers. I called today XX/XX/2023 to check into this " known issue '' and I spoke to XXXX. He gave me another reason why the card isn't working, It's the virtual card issue use the account number he said. I asked to read the notes on the account left be XXXX and then he said oh yes yes wait 3 days or the card that will come 7-10 business days. No one knows what is going on and I am left with no purchase an account that was opened and unable to use because of " known issues '' that no one knows about.
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A