Date Received: 2023-12-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Victoria secret Comenity bank. In accordance to the fair credit report Act this creditor has violated my rights under 15 USC1681 section 6 o 2 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 under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It shows that on XX/XX/2023 by COMENITYCAPITAL/SEPH I had a new hard inquiry on my account through XXXX XXXX They also emailed me about it, and I haven't opened any new cards or accounts.
Company Response:
State: MI
Zip: 49201
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: After reasoning, reviewing my credit report, I noticed an open account that I did not authorize. I did not open an account with Zales Comenity Capital Bank on XX/XX/XXXX. The only account I have with Comenity Capital Bank that I am aware of is the account that I authorized on XX/XX/XXXX. Some how my account got mixed up with some elses account. The unauthorized account that was open on XX/XX/XXXX has a credit limit of {$2800.00}, but my account only has a {$1300.00} limit, so therefore thats fraudulent information reporting on my credit report. I called the bank several times and they told me that they would send me an email showing me that the account was deleted but I have not received any email, but it is still showing up on my credit report.
Company Response:
State: TN
Zip: 37343
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I've got a Alpheon credit card that I've never applied for. They checked my credit score on XX/XX/XXXX. I found this card in my mail box on XX/XX/XXXX. I tried to reach to the company by calling them the numbers below. XXXX XXXX But I couldn't reach to any representatives but I accidentally activated the card. I didn't say anything about regarding " activating ''. I was trying to reach to representatives but the phone call system just activated the credit card. I think someone opened the account with my SSN without my consents. Also, I received an email on XX/XX/XXXX from SSA which is suspicious. The email is attached.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to bring to your attention a persistent issue concerning an account that is inaccurately appearing on my credit report. The account in question is associated with COMENITYCAPITAL/ALPH. I want to emphasize that this account does not belong to me, and despite my repeated attempts to dispute the information, it continues to be reported on my credit profile. I have diligently followed the dispute procedures with your agency, providing detailed information to support my claim. However, despite these efforts, the inaccurate account has not been rectified. I am concerned about the impact this misinformation may have on my creditworthiness and financial standing. I kindly request your immediate attention to this matter. Please conduct a thorough investigation into the reported account and take the necessary steps to correct or remove it from my credit report. I am more than willing to provide any additional documentation or information required to support the resolution of this dispute. Thank you for your prompt assistance in rectifying this issue and ensuring the accuracy of my credit report. I look forward to a swift resolution.
Company Response:
State: NV
Zip: 89169
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I received a store credit card from Jared the Jeweler with a huge limit which i used to purchase some jewelry, and I had 18 months to pay it off without interest. I thought that the amount I was asked to pay every month would pay the card off by the time the 18 months was up. I even paid more every month than the minimum due. For some reason I stopped receiving statements in the mail the last few months. But I'm used to paying online every month, so I never even notice that I wasn't receiving any statements in the mail. If I saw the statement in the mail, I would check to see the information and the notice that my 18 months was coming up. In my head because I wasn't receiving the statement and thinking that the money, I was paying every month would pay off the card by time the 18 months was up I wasn't worried. I paid all my bills onetime and if I knew that the 18 months expired XX/XX/, I would have paid the card in full. I had no idea, and I never got any notification via statements or email that if I didn't pay off the card by XXXX XXXX XXXX, I would be charge {$3000.00} in interest. On top of that I'm paying 36 % in interest every month. I think that's unfair for a person who has excellent credit and never missed a payment with Jared for the time I've been with them. I could have paid off the balance long time ago, but I said why rush if I'm not paying any interest ; I would just keep paying the balance due every month and a little more if I can. I was down to approximately {$4500.00} and now I owe almost {$8000.00}. I visited my account yesterday XX/XX/ and I notice that now my account change from paper statement to online statement and I never made that change. I would never do that because I prefer paper statements. All my other bills are paper statements. I think this is a big scam by Jared and their goal is to actually lock you into debt and high interest and not actually to help you because with this extra {$3000.00} plus how much interest. In the long run as of today I would end up overpaying for the item that I purchase, plus 36 % in interest rate for someone who's credit score is almost at XXXX and never missed a payment for over 15 years is ridiculous.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: After looking at my credit report I noticed on XX/XX/ there is an inquiry from ccb/XXXX on my report that is inaccurate and not mines. I am requesting this unknown inquiry be deleted and removed,
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Today XX/XX/ I asked Comenity Bank-AAA Travel Advantage Visa Signature for the {$220.00} available in cash back to redeem. Company was asking all kinds of information to establish my identity, which I provided for their satisfaction. Sent me a validation code via the phone, which I presented to them. They said they can't issue a check and my account is up for further investigation. I asked what further information they are looking for, they answered that I'm up for further investigation. My account is current with XXXX balance, never been late with payments. Why is it so difficult to hold the company to their promise, or it is just a marketing tool for them, never intended to fulfill their promise?
Company Response:
State: FL
Zip: 34684
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefor e made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices. From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. I hereby request you to do the below-mentioned thing. DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) ADS-COMENITY-ULTA XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX If you accept my request , I will not escalate this matter to Federal Court, in case, you do not accept the above request a legal action may be taken against your company for compensatory damages. Thank you for your attention to this matter . Sincerely, XXXX : XXXX. All Rights reserved without prejudiced
Company Response:
State: NJ
Zip: 07071
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In XX/XX/XXXX I purchased a camera from XXXX XXXX XXXX XXXX and used my XXXX XXXX XXXX Comenity account expecting 0 % interest if paid in 12 months. In XX/XX/XXXX there was an interest charge added to the bill. I made several calls to both XXXX XXXX XXXX and Comenity bank about this. It took until XX/XX/XXXX before Comenity agreed to look into this. In XXXX I received a letter stating that I would refunded XXXX and the interest rate would be changed. I was never credited the above amount and have continued to be charged interest on the account. I have made monthly payments to the account such that the initial amount was paid in full over the 12 month time frame but the interest has continued to accumulate. I have made multiple calls to customer service who tell me they do not have any ability to fix this as the division they need to contact has not responded to them. I was most recently told to send a message via their website where I stated everything written above as well as sending them copies of the letters they sent to me and the response was that I had never contacted them in the past ( yet I have the letters they sent me ). I want the interest charges removed according to letters they sent.
Company Response:
State: VA
Zip: 22030
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A