Date Received: 2023-02-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Notice to Cease and Desist This is in reference to the Consumer Report sent by XXXX, XXXX and XXXX. While checking my credit report, it came to my notice that XXXX has furnished an account XXXX my XXXX XXXX. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major XXXX XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report by XXXX XXXX XXXX to XXXX. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. XXXX XXXX XXXX ( B ) clearing states that A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party. XXXX XXXX XXXX ( B ) XXXX the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party XXXX XXXX XXXX ( B ) XXXX the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The Privacy Act of XXXX ( XXXX XXXX. XXXX ) protects personal information held by the federal government by preventing unauthorized disclosures of such information. Individuals also have the right to review such information, request corrections, and be informed of any disclosures. The Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ) protects personal financial information collected by consumer reporting agencies. The XXXX limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. You have been put on notice this information is inaccurate. Delete all inaccurate information from my consumer report immediately Even if you didnt receive a Form XXXX, you must report cancelled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition ; The IRS Clearly says a Cancelled or Charge Off is income. The reporting of this as debt is inaccurate. 15 USC 1681 s-2 Says you XXXX are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately! 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate. You are hereby put on NOTICE that you are furnishing incorrect/inaccurate information. The lender must file FORM 1099-C and send you a copy if the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS XXXX publication. SEND ME MY FORM 1099-C that you should have sent when you filed the account as cancelled debt.
Company Response:
State: NJ
Zip: 08638
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Notice to Cease and Desist This is in reference to the Consumer Report sent by XXXX, XXXX and XXXX. While checking my credit report, it came to my notice that XXXX has furnished an account XXXX my XXXX XXXX. According to XXXX XXXX XXXX ( XXXX ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report by XXXX will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The Privacy Act of 1974 ( 5 U.S.C. 552a ) protects personal information held by the federal government by preventing unauthorized disclosures of such information. Individuals also have the right to review such information, request corrections, and be informed of any disclosures. The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. You have been put on notice this information is inaccurate. Delete all inaccurate information from my consumer report immediately Even if you didnt receive a Form 1099-C, you must report cancelled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition ; The IRS Clearly says a Cancelled or Charge Off is income. The reporting of this as debt is inaccurate. 15 USC 1681 s-2 Says you XXXX are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately! 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate. You are hereby put on NOTICE that you are furnishing incorrect/inaccurate information. The lender must file FORM 1099-C and send you a copy if the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS XXXX publication. SEND ME MY FORM 1099-C that you should have sent when you filed the account as cancelled debt.
Company Response:
State: NJ
Zip: 08638
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Notice to Cease and Desist This is in reference to the Consumer Report sent by XXXX, XXXX and XXXX. While checking my credit report, it came to my notice that XXXX has furnished an account XXXX my Consumer Reports. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium, which includes nonaffiliated third parties the three major CRAs XXXX, XXXX, and XXXX. Therefore, furnishing of the Consumer Report by XXXX will amount to Communication. I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. The provisions of 15 USC 6801 ( a ) state It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 15 USC 6802 ( B ) clearing states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. 15 USC 6802 ( B ) 1b the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The Privacy Act of 1974 ( 5 U.S.C. 552a ) protects personal information held by the federal government by preventing unauthorized disclosures of such information. Individuals also have the right to review such information, request corrections, and be informed of any disclosures. The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such information, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. You have been put on notice this information is inaccurate. Delete all inaccurate information from my consumer report immediately Even if you didnt receive a Form 1099-C, you must report cancelled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition ; The IRS Clearly says a Cancelled or Charge Off is income. The reporting of this as debt is inaccurate. 15 USC 1681 s-2 Says you XXXX are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately! 15 USC 1681 s-2 ( a ) ( XXXX ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate. You are hereby put on NOTICE that you are furnishing incorrect/inaccurate information. The lender must file FORM 1099-C and send you a copy if the amount of debt cancelled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter XXXX. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you filed the account as cancelled debt.
Company Response:
State: NJ
Zip: 08638
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: The below company placed a hard inquiry on my credit report for a credit card that I did not apply for. I have no accounts/ have never had any accounts with this company. COMENITYBANKXXXX Address XXXX XXXX XXXX XXXX, OH XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Credit card. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Company Response:
State: TX
Zip: 76132
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Comenity Bank is the credit card servicing bank for BJs MasterCard. In my invoice for XX/XX/XXXX, I noted a late fee of {$41.00} added to the amount due. I submitted payment on or before XX/XX/XXXX with an expectation that the payment amount would be processed in advance of the stated due date of XX/XX/XXXX. I contacted Comenity Bank using their online Customer Service portal ( see copies of communications attached ) who indicated that they would remove the late fee. I made an additional payment of {$170.00} on XX/XX/XXXX with the expectation that this would certainly be processed well in advance of the stated due date of XX/XX/XXXX. Unfortunately, my XXXX XXXX showed a late fee debit of another {$40.00} and no indication of the receipt of the amount submitted for payment submitted on December 29, 18 days before the due date! I have submitted a payment in the amount of {$200.00} via my personal bank XXXX XXXX Bank ) online BillPay dated XX/XX/XXXX with the expectation that this payment will be processed at Comenity Bank as of or prior to the stated due date of XX/XX/XXXX. I am not hopeful that this payment will be acknowledged by Comenity by that date. It is my belief based this history of their refusal to acknowledge receipt of amounts tendered via the XXXX XXXX XXXX online banking application in a timely manner, Comenity Bank is engaged in a fraudulent banking practice, intended to obtain significant financial profiteering via the manipulation of the electronic banking system and deliberately and intentionally denying receipt of funds tendered in a timely manner. In todays current use of electronic money transfers between and among banks and banking institutions, it is unconscionable that Comenity is allowed to engage in such fraudulent actions which in effect amount to theft. I can only XXXX the total amount of funds obtained through this practice on a nationwide scale, even if limited to BJs customer Mastercard accounts. Please feel welcome to contact me should you require any additional information. XXXX : I note that the XXXX bill from BJs includes a note indicating that as of XX/XX/XXXX, the BJ Perks Mastercard program will change from Comenity Bank to XXXX XXXX. I wonder why this change was determined to be necessary by BJs.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone unlawfully used my information to open a XXXX XXXX XXXX credit card in XXXX XXXX Texas on XX/XX/22. I live in New York. On that same day they purchased {$1300.00} worth of merchandise.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was pre-approved in the store for an Ulta card. I received a letter within two weeks saying I did not qualify for the card and never received a card. I just received a letter informing me due to lack of inactivity on the card my account is closed. I shouldn't have an credit card account if I didn't qualify for said card.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Commenity Bank sent me a letter on XX/XX/23 stating that they had reversed an interest charge for my account of {$130.00}. On my statement that closed on XXXX the charge had not been reversed. In addition i filed a complaint about XXXX XXXX making two charges of XXXX that I did not authorize. Only 1 of the 2 charges was reversed on my statement. When I called the person taking my call did not say he would reverse the charges he said he would put in a request to reverse the charges. Also there was a returned check fee of {$28.00} that has not been reversed. I sent an online payment on XX/XX/XXXX and when I received my credit card statement on XXXX I was shocked that the payment was not posted. I called Comenity at about that time and they claimed that they had not received the payment and told me to check with my bank. My bank suggested that I stop payment on the online check. I agreed to stop payment and then I mailed Comenity a replacement check. I called Comenity customer service and told them that I had stopped payment on the check and reissued and not to cash the first check but I was still charged a return check fee of {$28.00}. I need my account credited {$130.00} for interest plus {$28.00} for a returned check fee plus {$130.00} for the unauthorized XXXX XXXX charge.That is {$290.00} plus the {$10.00} of interest that was charged on the last statement because my account had not been properly credited to begin with. Please credit my account {$300.00}
Company Response:
State: CT
Zip: 06830
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: In XX/XX/XXXX, I contacted XXXX 's customer service to reserve a hotel room in XXXX XXXX for XX/XX/XXXX. The customer service representative asked if I would like to open a credit card and I explicitly said " NO ''. A few weeks later I received a credit card in the mail. Initially I thought it was just a rewards card until I checked my credit report on XX/XX/XXXX and saw that a XXXX 's XXXX was issued by Comenity Bank on XX/XX/XXXX. I did not apply for or agree to receive this credit card and am very concerned that it is now on my credit report. I have never used the card nor do I plan to. I have contacted the issuing bank and asked that the card be closed and that the card be removed from my credit history and report.
Company Response:
State: CA
Zip: 92647
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of identity theft. On Wed XX/XX/XXXX I was notified via email by my XXXX XXXX XXXX alert that there was an account past due payment. Upon further inquiry into the report, it was revealed that a credit card was fraudulently taken out in my name and charges were made without my knowledge. I did not make the charges. Below is the following information in the notification : It looks like a lender has marked one of your accounts as delinquent. This happens when an account is more than 30 days past due. Keep in mind, we monitor all accounts on your credit report, not just the ones you have with XXXX. INFORMATION FOUND Lender : COMENITYCAPITALXXXX Current balance : {$1100.00} Status : Past due 30 days On the same day, XX/XX/XXXX, I then contacted XXXX credit to notify them of fraud. A notice was added to my account and cross reported to the other credit bureaus, I was informed to file a report with FTC.gov I contacted COMENITYCAPITAL/XXXX XXXX and notified them that there was a fraudulent card and charges in my name. I was advised to call the fraud department at ( XXXX ) XXXX. I called the number advised and was on hold for more than two hours with no response from an agent. I made numerous attempts to reach an agent in the fraud department with no avail. I am seeking resolution of this issue so that I will not be held responsible for these fraudulent activities to my account due to identity theft. I ask that the delinquent and fraudulent charges are blocked to correct my credit report. I did not take out this line or credit and am not responsible for any of the reported charges to this credit account. I reported the theft of my identity to XXXX credit bureau. I plan to follow up with the appropriate authorities with hopes that this matter is resolved as soon as possible.
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A