Date Received: 2023-02-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity has been stolen and Cominenty Bank requested my credit without my permission. Two seoerate accounts at cominety bank have attempted to be opened. Have called several times and waited over 2 hours each call. I did talk with someone today and informed them but Im unsure if all this will be removed from my credit
Company Response:
State: LA
Zip: 706XX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I purchased an item from Zales department store that had a 12 month no interest promotion. I received my XX/XX/XXXX statement stating in bald red print in second paragraph saying : " WARNING : Promotional Plan ( XXXX ) ENDING SOON! You must pay the BALANCE {$340.00} IF YOUR PLAN 12 MNTH XXXX INT LOW PMT IN FULL BY XX/XX/XXXX TO AVOID PAYING ACCRUED INTEREST CHARES '' ON XX/XX/XXXX i MADE A PAYMENT FOR {$340.00} THEN ON XX/XX/XXXX i WAS CHARGED XXXX INTEREST CHARGE THEN ON XX/XX/XXXX CHARGED {$9.00} AND XXXX ON XX/XX/XXXX ON XX/XX/XXXX i SPOKE WITH XXXX ID # XXXX AND HE CONNECTED ME WITH SUPERVISOR XXXX ID # XXXX WHICH SAID SHE WOULD FILE A DISPUTE THAT WILL BE MAILED OR COULD TAKE UP TO 90 DAY. XXXX I CALLED TO FOLLOW UP AND SPOKE WITH XXXX THAT XXXX ME TO XXXX ID # XXXX THAT WAS TELLING ABOUT A LATE FEE THAT'S IN THE UPPER RIGHT HAND CORNER STATE A XXXX FEE IF PAYMENT IS LATE AND MUST PAY THE MONTHLY PAYMENT THAT'S DUE ON XX/XX/XXXX OR ALL INTEREST WILL BE ADDED. THIS WASN'T CLEARLY STATED WHILE EXPLAIN WHAT'S DUE TO AVOID INTEREST.
Company Response:
State: SC
Zip: 29605
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2023 ComenityCapitalXXXX, XXXX XXXX XXXX, XXXX, OH XXXX, obtained a copy of my XXXX Credit Report fraudulently as I did not request any credit with this bank. XX/XX/2023 a new bank credit card reported to XXXX Credit File by ComenityCapitalXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2023 ComenityCapital/XXXXXXXX obtained a credit report from XXXX, fraudulently as I did not request any credit be established by this bank/or company. XX/XX/2023 XXXX XXXX XXXXXXXX Bank submitted an inquiry for credit report with XXXX, again fraudulently as I have not requested any credit with XXXX My credit report and information is now frozen on all three credit reporting agencies. I have filed a fraud/identity theft report with the FTC Federal Trade Commission on XX/XX/2023
Company Response:
State: FL
Zip: 34986
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: 2023-02-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A credit card was opened in my name and social security number. It was opened in XX/XX/2022. I just found out about it. I received late notice from XXXX XXXXXXXX XXXX The account. number ended in XXXX. I have no knowledge of this card.
Company Response:
State: FL
Zip: 32221
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX reported a XXXX XXXX XXXX to your XXXX XXXX XXXX. Source : XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX, OH XXXX Phone : XXXX Account Opened : XX/XX/2023 Credit Limit : {$1800.00} The account used my social security number. XXXX with XXXX stated he is sending notification to the credit bureau of the fraud and mailing me notification that my claim has been resolved to my address. I am updating my current police report to reflect this case as this is not the first time this has happened.
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was alerted by a text message from Comenity regarding 4 {$0.00} charges on my card that were suspected to be fraudulent. I responded that the charges were fraudulent. I received a response that they would send a replacement card. It is now 4 days later and the fraudulent charges are still on my account. I tried to call their fraud department, however no one ever comes on the line after waiting on hold for almost an hour.
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I can not reach these people by phone. They do not respond to my email. They send me a bill every month by email but I can not access the account to view my interest rate or update my contact info. The flagged my card as fraudulent when I moved. I sent my information to the only address I had for them which is in XXXX, Ohio. I can only pay my bill now through the XXXX XXXX XXXX XXXX. These is regarding my Comenity Bank XXXX.
Company Response:
State: IN
Zip: 46151
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Keep getting calls from comentity bank. I have had over 4 accounts open with that bank and it has never been me.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: COMENITYBANK/VICTORIA is reporting derogatory information onto my consumer report that needs to be removed.15 USC 1681 Section 602 States I have the right to privacy. I did'nt give consent to COMENITYBANK/VICTORIA to share my information with a non affiliated third party. The Gramm Leach Bliley Act 15 USC 6801 says that a financial institution is not supposed to share non public personal information to a third party. COMENITYBANK/VICTORIA is furnishing a paid off/closed account onto my consumer report. COMENITYBANK/VICTORIA did not clearly and conspicuously give me the option to opt out of credit reporting as it states in the Gramm Leach Bliley Act. I am asking COMENITYBANK/VICTORIA to Cease and Desist all communication through any and all mediums unless it is for a specified remedy that I am invoking. The term communication through any and all mediums would be telephone, email, social media, and any consumer report. This notice is pursuant to 15 USC 1692c. The term communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. This alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of { {$1000.00} }
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
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: While on vacation in XXXX, Florida, I rented a vehicle on XX/XX/XXXX, at the XXXX XXXX XXXX XXXX near the airport. At that time I was charged for a rental period of one week, plus a deposit of {$200.00}, which was to be refunded upon turning in the vehicle. I used my XXXX XXXX XXXX XXXX issued through the XXXX XXXX XXXXXXXX. On XX/XX/XXXX I returned the vehicle to the rental agency, where an inspector checked for any damage and okayed the release of my {$200.00} deposit. The deposit would have been credited to my XXXX XXXX XXXX XXXX. Upon returning home I found a letter that arrived in the mail containing my new XXXX XXXX XXXX. The servicing of my account had been moved from XXXX XXXX XXXXXXXX to Comenity. After about a week I started looking for the {$200.00} credit to appear in my credit card transactions, but it wasn't there, so I emailed XXXX XXXX XXXX Their customer service rep checked with the XXXX office and verified that my deposit had been released on the day that I'd returned the vehicle. After waiting another week I contacted Comenity by phone and filed a dispute. Comenity does not have an online dispute tool, nor is there any online customer service. After hearing nothing from Comenity for some time, I sent a dispute letter on XX/XX/XXXX to their XXXX, Ohio address listed on my credit card statement. Late in XXXX, XXXX, I contacted Comenity by phone to inquire about my dispute. The agent was only able to say the the dispute is still under investigation.
Company Response:
State: IN
Zip: 46219
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A