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: Was mailed this card without applying, as an upgrade from another card. I've never used it but charges have been made on it out of country, I can't get ahold of the company, and now I can't access my account suddenly. There was a charge in XXXX or XXXX for {$40.00} some and in XXXX for {$160.00}. I can't say the exact amounts and exact dates because I'm locked out and have been unable to recover my account.
Company Response:
State: NM
Zip: 87123
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 credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have loan with COMENITY BANK/AVENUE. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX attempt to open credit card account using my identity
Company Response:
State: MD
Zip: 20785
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: 2023-02-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A credit card was fraudulently opened in my name. {$2300.00} was charged to the account.
Company Response:
State: CA
Zip: 95482
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX a credit card account was opened without my knowledge. Account type - REVOLVING Condition - Open Responsibility - Individual Term ( in months ) - NA Remarks- NA Date of account status - XX/XX/XXXX Times XX/XX/XXXX days late - XXXX Creditor info COMENITYCAPITALXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Company Response:
State: CO
Zip: 80211
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was notified of an unauthorized credit inquiry from comenity bank of Ikea on my credit report. I did not authorize this nor try to open an account with comenity. I called them the day I was notified on XX/XX/2023 and confirmed that someone had used my name and SSN to try to open a credit card which prompted a hard inquiry on my credit report. After speaking with the fraud specialist at comenity on XX/XX/2023, she told me that I would receive a letter in the mail stating that I had not initiated the inquiry or tried to open a new account. I received a letter about 2 weeks later stating that comenity needed more information from me before opening a new credit card, which is not at all what I requested. I called again on XX/XX/2023 to request a new corrected letter and was put on hold for about 52 minutes without any help. I called back multiple times and was placed on hold for 10 minutes each time after which I hung up.
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX was charged to my XXXX credit card for a XXXX that was cancelled on XX/XX/XXXX. The doctor 's office that charged my card is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX Ext XXXX. I contacted XXXX XXXX, XXXX XXXX and several other people. They sent me a reimbursement form and insured a refund would be issued, which was completed on XX/XX/XXXX and still I have not received a refund not has anyone in their office returned any of my calls or emails. XXXX has had this dispute since thew beginning of XXXX and still no resolution
Company Response:
State: PA
Zip: 19002
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX, I was contacted by at XXXX XXXX ( XXXX ) to settle a pass due account balance. The representative who called me, explained that the account has already been closed, and offered me a settlement to pay off the account in full, in which I accepted. The representative told me that she would remove the additional late charges, ( the fee was totaling around {$180.00} ) after the three successful payments had cleared. She explained that after the last and final payment of {$50.00} had cleared from my bank, she would credit the remaining late charges, and my balance would be {$0.00}, she said that her system only allowed her to set up a certain amount on that day, and she would personal go back and correct it once the payment cleared. I then arranged for the settlement offer, she refunded {$28.00} and {$62.00} on XX/XX/XXXX for the first {$100.00} payment on XX/XX/XXXX and the second {$100.00} payment on XX/XX/XXXX, the last payment was set up for XX/XX/XXXX for the remaining {$50.00}, this payment cleared, and the account should have been paid in full, but the representative never went back in to process the additional late fee credits like promised. I was under the understanding that I no longer owed a balance to XXXX XXXX XXXX, until I got an email that my statement was available, and I suddenly had a large balance again. I received the statement and realized that she never credits me the late fees, but instead started adding additional fees to the account, and now its reporting negative on my credit report, when it should have already settled. This error happened on their end, and they refuse to correct it. I contacted them multiple times about this issue, spending hours speaking to supervisors and the collection department, only to be told that they would take care of it as soon as possible. When I call back, to check the status, they act as if they dont know anything about my situation, they keep transferring me to different departments, no one wanted to be bothered. Finally I contacted someone that seem to want to help me, I explained what had happened, and the agreement that the representative had made with me, she found the date that the agreement was made, and said that she was going to pull the recording, I was so happy that finally they would be able to listen to the settlement agreement that was made, but after a long wait on hold, she returned, claiming that something was wrong with the recording, and she would refer my complaint to a different department, that they would take care of it. After reviewing a statement last month XX/XX/XXXX, it appears that they credited the late fees in XX/XX/XXXX but left the new late fees that was still occurring because the late fees that was added to the late fee that should have been removed in the first place. The account was closed, my original credit limit was {$250.00}, now suddenly my account is open with a credit limit of {$100.00}, and they are still adding late fees to my account. I spoke to XXXX on XX/XX/XXXX who referred me to collection department XXXX ref # XXXX and XXXX XXXX in collections, who referred me to XXXXXXXX XXXX XXXXXXXX, no one wants to help me with my issue.
Company Response:
State: NY
Zip: 11763
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with monetary relief
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: So far I see 4 charges that were made to XXXX XXXX in California! I am in Texas and don't use XXXX XXXX! Dates are : XX/XX/23 {$75.00} XXXX/XXXX/23 {$58.00} XX/XX/23 {$380.00} XX/XX/23 {$390.00}
Company Response:
State: TX
Zip: 77489
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: My dentist office was supposed to do a " pre-qualification '' and instead submitted an application opening this account without my approval. I informed Comenity Bank on numerous " recorded '' calls. In addition, I had advised them not to close this account, since it was already on my credit report and I didn't want it to effect my XXXX XXXX, which Comenity fraudulently closed. I told Comenity they should get the money back from the dentist office who wrongfully opened this account. Most of the funds were returned back to the card after my continued dispute, with the exception of {$1500.00}. I informed Comenity that I would never pay for an account that I didn't approve to have open at the time the application was submitted by the dentist office. On XXXX of my calls, which I recorded, Comenity informed me that I had called to have this account closed, to which I had informed them I never called to have the account closed and that I now consider that to be fraudulent and it should be investigated and reopened since I didn't make that request. Comenity instead tried to have me log-in online and then transferred my call to the dentist office that wrongfully opened this account.
Company Response:
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2023-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A