Date Received: 2023-02-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CFPB WRITE UP In accordance with the fair credit Reporting act 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 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. XXXX
Company Response:
State: MA
Zip: 02151
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I just received notification someone is trying to open a credit card in my name they did a hard inquiry for the XXXX credit card.
Company Response:
State: VA
Zip: 23464
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter asking me to call a number to approve a XXXX XXXX application which I never applied for. I called the company. The associate told me there were 2 attempts to try to get this application approved. This was through Comenity Bank.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I requested a method of validation on XX/XX/2023. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Had a BJs wholesale credit card through Comenity Bank, membership renewed automatically for BJa and card was charged. Was never notified that I was billed for the membership renewal on credit card, never sent a bill to house, called or emailed. Card racked interest on late payments that I was unaware was happening until it showed up on my credit check that it went delinquent. Called BJs and settled payment and closed account with them, no longer owe them money, case # XXXX on XX/XX/22. Comenity refuses to recognize this and is harassing me for money and still putting interest on account.
Company Response:
State: NJ
Zip: 08080
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received text messages between XX/XX/XXXX and XX/XX/XXXX stating that I had purchases at IKEA to pick up. The locations were at IKEA XXXX ( XXXX, FL ) and IKEA XXXX ( XXXX ). I immediately checked my internet account and no such purchases were there. I also checked all of my debit and credit cards and there were no such purchases found. About a week later, I received an IKEA Project Card in the mail. I called IKEA and reported it on XX/XX/XXXX. They sent me to a FRAUD line that never picked up. I tried a few other occasions and could never get through. When the Lender called me on XX/XX/XXXX, they put me through the FRAUD line and an investigation has finally started. Before then, the Lender mentioned to me that the purchases were made at a MD store. That is different than what I received on the text messages. The card bill I received does say MD and the amount of {$300.00}. I am worried there may be more than one account because when I call in with my number the balance was {$800.00} in XXXX. Once I reached the FRAUD line, they said they would start an investigation. They also stated that the email attached to the account is a different one than the one I told them today, which may explain why these purchases don't show up on my internet account. The account is in the name of XXXX XXXX. I have updated my name to XXXX XXXX XXXX for my IKEA account since XXXX or XXXX of XXXX.
Company Response:
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My XXXX XXXX credit card was stolen from my car, and was used to purchase the following, resulting in a XXXX point drop on my credit report, and has the potential to damage my credit further : - XX/XX/23 : Fraudulent Purchase at XXXX XXXX XXXX in XXXX, CA {$26.00} - XX/XX/23 : Fraudulent Purchase at XXXX XXXX XXXX XXXX, CA {$270.00} I have already reported the card stolen to Comenity Capital BankXXXX XXXX the account was closed, and unauthorized charges were reported, documented, and are currently under investigation. I was told I will receive a letter in the mail with the results of the investigation, once completed. I will also reopen my previous police report from the day my card was stolen, and see if they can check the cameras in the above stores to try and catch the person who did this.
Company Response:
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was wrongly charged XXXX by XXXX XXXX for an item that was not purchased and or received. After months of going back and forth between XXXX XXXX and Comenity Bank XXXX reversed the charge. When speaking to Comenity bank the workers accused me of lying and forgetting I made a purchase they told me forgot and should just pay what I purchase and to not purchase items can not afford. I was given the option of paying XXXX of the XXXX balance and it would go away. I was told to wrote letters Comenity Fraud department and to call XXXX. XXXX told me to contact comenity. This went on for 8 months and then XXXX finally reviewed my account and saw that it was noted in XX/XX/2022 of the charge and that t was supposed to be crediied. Comenity told me that once XXXX credited the charge then they would credit the late fees and interest. Now that the orginal fee was finally creditied Comenity says I still owe for the interest and late fees which total {$230.00}. I explained that I never made a charge to be paying late fees and interest on and they told me it was my fault that i should have taken care of it last XXXX. The problem is I have been trying to resolve the original {$39.00} charge for months and n one would help me. Now that XXXX finally admitted they made a mistake credited the {$39.00} fee Comenity is still telling me I owe {$230.00} but if I wanted to settle could for {$80.00}. I am not settling for a charge that I never made in the first place.
Company Response:
State: CA
Zip: 93035
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Fraud information listed wrong
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
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 {$7000.00} purchase at XXXX XXXX XXXX and was offered a 0 % interest to XX/XX/XXXX store card through Comenity Bank. - on XX/XX/XXXX, I paid the card in full in the amount of {$5900.00}. I miscalculated and the amount was overpaid by {$200.00}. - on the XXXX statement, the overpayment was shown and it indicated the {$200.00} would be refunded within 30 days. - on the XXXX statement, a Fraudulent charge of {$120.00} on XX/XX/XXXX showed up, a charge I did NOT make. - I immediately called in and was told that the charge was erroneous due to them changing over a billing system and that it will be reversed and refunded. I also asked to close the card, but the representative asked me to wait until the refund has been issued before closing the card. - It is now XXXX and I still have not received a refund and see that Comenity is still reporting the account open with a balance due on my current credit report. - I called in early XXXX to inquired again about the charge and refund on was told they sent it and will send it again. - Today, XX/XX/XXXX I again called in regarding the Fraudulent charge and was told by a representative named XXXX that my account was closed as of XX/XX/XXXX. I asked her about the fraudulent charge and refund, she THREATENED me that IF she were to open an investigation that I will be responsible for the charge and will OWE Comenity an additional {$120.00} since the account is closed. An amount that Comenity NEVER returned to me in the first place, but I will have to OWE THEM additional? *Comenity has a Secured Messaging board, however after you are done composing your message and attempt to submit it, an error message appears asking you to try again at a later time. Comenity is a dishonest credit issuer. They should better train their employees to properly review transactions and respond to customers OR place a better system so that FRAUDULENT/BOGUS charges just don't " show up '' on consumer accounts. At this time I just want Comenity to properly issue my refund and accurately report to the credit bureaus that my account is PAID IN FULL, ON TIME AND CLOSED. That seems too much to ask for of this bank. This has been the most frustrating experience I have had with a bank thus far.
Company Response:
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A