Date Received: 2023-02-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have taken a look at my consumer reports and there were two late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account ComenityCapitalXXXX XXXX. Please investigate and provide proof with statements showing that I was late on payments. If no proof is provided I demand that my payments are updated to on time as they were never late. Thank you.
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone opened an account for children 's place in my name online shopping XXXX 2022. Account was reported to the bank and closed and under investigation. XX/XX/XXXX someone again used my social security number to try to open an account with XXXX XXXX but was not successful.
Company Response:
State: FL
Zip: 33612
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: 2023-02-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX XXXX I have three main issues with Comenity Capital Bank 1 Comenity charged late fees to my account that was under dispute 2 Comenity submitted deregulatory credit reports on a disputed late fee 3 Comenity proposed a solution to resolve the dispute and did not uphold their end after receiving payment. I want Comenity to do the following 1 refund the {$65.00} I paid as part of the initial resolution 2 Credir the {$140.00} in fees and late charges they placed on the account even thought the account was paid in full. Im sending the enclosed information to follow up with my dispute of the Community Capital/XXXX account XXXX I did not have this information available in a format I could upload with my initial online dispute. When attempting to get back into the online dispute to add additional information, the system had already closed the dispute and I couldnt upload the attached information. Comenitys representative indicated that they do not respond to messages ( disputes ) left in their system or disputes in writing or by phone to their customer service team. They did not accept any responsibility for the first bill getting to me late or their systems inability to accept my payment XXXX XX/XX/XXXX when I entered it into their system. The system post dated the payment to XX/XX/XXXX even though it was input in time to be credited on XX/XX/XXXX. XXXX not sure at the moment who-else I should report this to but Im filing a complaint with. I paid {$65.00} in late fees to settle the account to maintain my credit score and history, not knowing that Comenity had already reported the account while under dispute. I paid the account in full ( {$200.00} ) on XX/XX/XXXX ( due date ) Comenity system post dated my payment to the next day XX/XX/XXXX I informed Comenity and ask that they not charge a late fee Comenity charged a late fees on the account even though it was under dispute Comenity charged additional late fees Comenity informed me they dont respond to messages left on their system, and that account statement information is their method of responding to disputes No manager was available to discuss account I disputed the original late fee in writing. Comenity indicated that they waived the 3rd late fee. I asked for the first late fee to be credited and there would be no other fees Comenity had a balance of approximately {$100.00} Comenity and I agreed on {$65.00} to settle the account in full on XX/XX/XXXX I paid the {$65.00} on XX/XX/XXXX I received XXXX statement with XX/XX/XXXX payment date with {$43.00} balance outstanding Comenity applied the payment of XXXX but did not credit the balance as promised I received the XXXX statement with XX/XX/XXXX payment date with {$82.00} balance I received a notice from my credit monitoring agency that Comenity filed a late notice against my account that was under dispute. I want to report this this to the appropriate regulatory agency not only to get my money back but to start an investigation into Comenity to see if they are repeat violators and taking advantage of others by making inappropriate charges to their account and submitting false credit reports. Thanks XXXX XXXX XXXX This account is currently under dispute Account info Account name COMENITYCAPITALXXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Open. Status updated XX/XX/XXXX Balance {$43.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$37.00} Credit limit {$1600.00} Highest balance {$200.00} Terms NA Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current on payments XXXX Past due XXXX days XXXX Past due XXXX days
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Received an alert that there was a new Hard Inquiry on my credit report made on XX/XX/2023, by Comenity Capital. I did not authorize the credit check or apply for credit or a credit card.
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: A Balance Transfer Check was issued from XXXX XXXX XXXX XXXX on XX/XX/2023 and received on XX/XX/2023 but not processed until XX/XX/2023. presuming this check was lost, stopped Check and and had replacement sent on XX/XX/2023 by XXXX XXXX tracking # XXXX to Comenity Bank overnight address listed on the back of their bill and received on XX/XX/2023 by a XXXX XXXX at XXXX payment has not been posted yet. I had called on XX/XX/2023 and spoke to a rep who told me it was the payment from fed ex that was posting., she was wrong! I am told by their Reps that paper check payment can take up to 2-4 weeks to post, is that legal? I spoke to a Rep XXXX last night who thought it was strange if a payment didn't post within XXXX weeks, WHY would i put a stop on it and consider it LOST. I normally send payments electronically and they take 2 business days to post to the credit card, but they are deducted immediately from my checking account, usually its the other way. these are bad business practices that need to be investigated, PLEASE. I would also like to now is itLLEGAL for them to DELAY POSTING of a PAYMENT and not back date it the date received..
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
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: This complaint is to report the inaccurate credit reporting by Comenity Capital Bank. The COMENITYCAPXXXX XXXX should be immediately deleted from my credit report due to incorrect information. This account says that it was purchased by another lender so why is it reporting as a charge off account? This is a violation of the FCRA. Also, the company that purchased the account is already reporting on my credit report and I have a payment plan set up so why is this account still being reported as a charge off? There are so many violations that I can take legal action. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am requesting for the deletion of this account for inaccurate reporting. I will attach the letter that was sent to the credit bureaus and my credit report showing the inaccurate information.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
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 would like my derogatory account removed. This account is misreporting on my credit report. This account does not belong too me. The date that this open was opened was XX/XX/XXXX. The amount is for {$7000.00}. I have reached out to this creditor multiple times that this debt is not mines. This account was opened by a ex spouse. I never lived at the listed address and I never had service with this company. I have provided police report as well. Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ).
Company Response:
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX.
Company Response:
State: CA
Zip: 95928
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
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: The statement total is XXXX $ higher then what my charges reflect. And then for current month they are saying I spent another XXXX when it's only XXXX. And they're referencing a {$15.00} credit as the holdup. They're overcharging. Do I get to sue them too?????
Company Response:
State: NJ
Zip: 07860
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I took out a loan to purchase tires through a local XXXX XXXX XXXX dealer in XXXX XXXX CA in XX/XX/XXXX. It is a 12-month no interest if paid off in that time period. XXXX XXXX has XXXX dealerships in 25 states and its XXXX. XXXX XXXX is XXXX, which in turn is 50 % owned by XXXX XXXX XXXX XXXX XXXX and 50 % by XXXX. The loan was made by Comenity Bank of OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity is owned by Bread Financial Corp. I have deal with Comedity before on a health care loan I paid off. Finding their street address is hard as they provide consumers with a XXXX XXXX only. Customers are forced to communicate with low level call center agents who have responsibility but no authority. Bread and Comenity are blind lending institutions for the most part. My complaint : Comenity requires that you only provide my checking account number and the routing number of the XXXX XXXX I belong to. I just received a receipt for a payment I made today. XX/XX/XXXX. The disconcerting information on that receipt was it contained the last four digits of both my checking account number and the last four digits of its routing number. This was a Big Red Flag to me. I had never received both personal numbers from any vendor let alone a financial institution before. I found the XXXX XXXX Directory which provides the Routing numbers of every financial institution in the U.S.Was not hard to find my credit union 's full routing number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I know it's not rocket science to have criminal organizations get everything they need to break into my account let alone thousands of others. The Bank directory culls its data from the FDIC and the Federal Reserve Banks. XXXX The XXXX XXXX Directory has no corporate or government ownership information. They can only be contacted by email. Looks like a great resource for criminal syndicates to steal large sums of money to me. XXXX XXXX XXXX You have my email address, I have spoken to the Identity Theft Resource Center with much of this information. I trust that as a citizen the CFPB will look into this information.
Company Response:
State: CA
Zip: 95409
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A