Date Received: 2023-02-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX XXXX XXXX website has been down for months, therefore you can not see your account ( i.e. transactions, applied payments, balances, etc. ) Forgot password method does not work and customer services response is always, We are experiencing trouble with the site. This has been the case for months. I asked for a mailed statement and there was one sheet of paper in envelope that was mailed, with no statement. I have no clue if something shady is going on with my account because I can not see it. Looking at reviews other customers are having same issue with payments not being applied. So far, I have been paying by phone which Im assuming it is being applied. Please help! This is ridiculous.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To whom it may concerns : In XX/XX/XXXX of 2019, I have created my credit card with Victoria Secret, however the credit card was never delivered that led to an unauthorized transaction that I was not aware of for a period of 120 days. I only found out about the charge and the late payment that through collector. I then agreed to paid the amount requested and ask to close the card that was never received. Victoria Secret has failed to protect customers privacy as well as preventing fraud. In addition, accordance with the fair credit Reporting act XXXX Account # XXXX under Comenity Bank/ Victoria has violated my rights as consumer. 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. Thank you
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act.This list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 U S C 1681. XXXX XXXX XXXX XXXX account # XXXX on date XX/XX/2022. Comenity Bank/XXXX XXXX account XXXX XXXX on date XXXX XXXX has violated my rights. 15 U S C 1681 Section 604 A section 2 Its states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: SC
Zip: 297XX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various XXXX and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. Best regards, I remain
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/23 I received notification from XXXX that a hard inquiry was placed on my credit report. Someone applied for a credit card with Comenity Bank under my name. I have not applied for any credit cards recently. There is already a fraud alert and Comenity Bank should not have allowed an application to proceed.
Company Response:
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have used the Commenity XXXX for about a year making small business charges. Never had a problem, paid my bill in full every month. Last month, paid my XX/XX/XXXX on XX/XX/XXXX and it did not get posted for 16 days so I got socked with a late fee and interest. Complained to company, they waived the late fee but not interest. I again paid the balance in full when I got XXXX bill on XX/XX/XXXX, sent payment on XX/XX/XXXX to avoid this happening again ( thought it could be due to holiday mail rush or something ) My due date is tomorrow and again ( after 13 days ) they have not posted my check. I contacted them through their messaging center, they are blaming the mail. I think they are trying to make money off people that pay their bill in full by making sure they get interest/late fees charged. I can not pay this bill by phone as they pushed me to do as it is paid through our business and I am not authorized to give out our banking info. I checked Commenity 's reviews on XXXX website, they have a one star rating and it sounds like they pull this stuff a lot. One month, I can understand but now is becoming a pattern. My other credit cards post in XXXX days so they don't seem to have a problem with the mail. I'm not using this card anymore but I really don't want to ruin my credit because of them.
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid off this credit card and it had a XXXX balance on the card- the company has continued to charge interest and late fees even though the card was at a XXXX balance - the company has since charged off the card and affected my credit. There should not have been a balance on this card as it was paid off to a XXXX balance. The company has not sent me any statements and has locked me out of the account. I want the company to remove this negative remark from my credit report and write off the balance as this is not something that is owed.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received an email from XXXX about a hard-inquiry on my credit report. The inquiry was from XXXX XXXX XXXX I did not apply for a card nor did anyone from my household. I've put a fraud alert on my credit reports and am trying to get the inquiry removed.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX has altered the date of an account opened from comenity bank on an account I never authorized. I tried to contact the company but was met with extremely rude service and hung up on 4 times. the woman I spoke to XXXX, informed me that this debt was from a XXXX credit card opened in XXXX but magically was reported on my credit report as being opened XX/XX/XXXX of XXXX this company is illegally altering dates. I asked for an original contract to be mailed, I asked for a bank account number to match to mine, and I was met with " pay your bill and this won't happen ''. even IF this account was in fact mine. the statute of limitations and the FCRA limitations have long passed. what this company is doing is highly illegal.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received an alert from XXXX indicating that they have blocked an inquiry made to my credit report with the intention of opening a new credit card. The company listed was ComenityCBXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ohio XXXX Obviously this was an attempt at identity theft. I was lucky to have previously placed a lock on my credit report through XXXX so the identity theft was blocked. Im concerned with what else can happen knowing that someone out there has my information. I called comenity and was transferred to the fraud department- was on hold for over 45 min before giving up and disconnecting the call.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A