Date Received: 2023-01-23
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Commenity Bank XXXX XXXX XXXX XXXX for billing errors in connection with identity theft that occurred on XX/XX/2022. As a consumer, I am protected by several laws including the Fair Credit Billing Act ( FCBA ) ( 15 U.S.C. 1666 et seq. ), the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), and the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 et seq. ) and I believe that these laws have been violated in my case. On XX/XX/2022, I discovered unauthorized charges on my credit card statement issued by Commenity Bank XXXX XXXX XXXX XXXX. Upon further investigation, I realized that my personal information had been compromised and used to make these fraudulent charges. As per the FCBA, I have the right to dispute any inaccurate or incomplete information on my credit card statement within 60 days of the statement being sent to me and the bank must correct or explain the errors within XXXX billing cycles. I have notified Commenity Bank of these unauthorized charges and requested that they be removed from my account, but I have yet to receive a response or resolution. I would like to add that the unauthorized charges on my credit card statement not only caused me financial harm, but also resulted in a great deal of stress and inconvenience. I have had to spend countless hours on the phone trying to resolve this issue with Commenity Bank, and I have yet to receive a satisfactory resolution. Additionally, the FCRA requires that credit reporting agencies, such as Commenity Bank, take reasonable steps to ensure the maximum possible accuracy of the information in my credit report and notify me if any adverse action taken based on my credit report and investigate any disputed information and correct it if it is found to be inaccurate. As the unauthorized charges on my credit card statement have also been reported to the credit reporting agencies, I believe that Commenity Bank has not fulfilled these requirements. I also want to bring to your attention that my XXXX XXXX has been negatively impacted by these unauthorized charges, which has caused me to be denied credit and other financial opportunities. This is a direct violation of my rights under the FCRA, as I have the right to accurate and complete information in my credit report. Furthermore, XXXX prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age or because you get public assistance.
Company Response:
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not apply for this comenity bank/XXXX credit card from XXXX to XXXX. The account # is XXXX. Someone else did this which is this fraud and theft. This needs to be remove from my credit report immediately.
Company Response:
State: TX
Zip: 77705
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX - COMENITYCAPITALXXXX inquired credit report through XXXX XX/XX/XXXX - COMENITYCAPITAL/XXXX inquired credit report through XXXX XX/XX/XXXX - COMENITYCAPITAL/XXXX inquired credit report through XXXX I called Comenity Capital on XX/XX/XXXX to remove these inquiries, and they said they could not do that because they could not find any credit card applications in my name. They also mentioned that I needed a letter ( that is done within 14 days of application ) they have sent out if I had submitted an application to see if there was a fradulent request. I have received no such letter. No credit cards were opened in my name, but I have 3 hard inquiries in my credit report from them. I asked to speak to another representative, but they said any other agents will tell me the same thing. They will not work with me on this issue. I have checked XXXX, and saw similar complaints to mine.
Company Response:
State: MO
Zip: 64506
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This debt collected is calling me on No caller ID 4-7 times a day. They call on sundays even. They call constantly all day everyday. Then they call with their number showing. Ive asked them numerous times to stop but they wont. Its comenity bank for XXXX and XXXXXXXX XXXX This has started on XX/XX/ and has not stopped. I cant even sleep and rest.
Company Response:
State: CO
Zip: 807XX
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
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 on XX/XX/XXXX I waited for 45 minutes for the BJ Card issuer to pick up the phone to report a fraudulent transaction Commedity Bank. On XX/XX/XXXX I bought gas at XXXX in XXXX NH and recognized a charge in the amount of {$14.00} there was a second fuel charge in the amount of {$120.00}. That is inpossible and a charge for fuel that I can't put in my car a XXXX XXXX which has a total fuel tank in the amount of XXXX gallons. I received a bill of the XXXX. I have several concerns since XXXX is terminating its relationship with Commodity and switching to a new issuer XXXX XXXX on XX/XX/XXXX that they have a conflict in removing this charge. For fuel that I could not have charaged. Second based on looking at the card and how it's supposed to sync, often the rewards were not timely posted so I had to have credit purchase used when rewards earned were unable to be redeemed. I used the {$10.00} reward option smallest size and based on there web page I have several that may expire. That latter one is likely and issue affecting more people. I included the letter I had to send to dispute the bill my auto registration the credit card statement transaction and basic facts on fuel tank capacity of the XXXX XXXX XXXX. Gas was I believe XXXX a gallon day of purchase with the card XXXX cent discount.
Company Response:
State: MA
Zip: 02186
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
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: On XX/XX/XXXX my flights were cancelled due to weather. I received a flight and rental car refund to my Lands End XXXX credit card account. On XX/XX/XXXX I requested the credit card company send me a refund for the credit of over {$700.00}. I made the request thru the automated system, but then also spoke to a representative to confirm my request had been received. I was told I should receive a refund check within 10 days. On XXXX when I had not received my refund I check, I called again. After speaking with XXXX different people I was advised that because I have a credit freeze on my credit bureau account, my request had been cancelled ( but no one bothered to tell me ). Instead, I was told it was now necessary ( under the law ) for a supervisor to call me to confirm my request. I was further advised that my refund would be made to my checking account ( even though that is not what I was previously told, wanted or requested and I had not provided any account information ). No supervisor or anyone else contacted me after XXXX to advise me of this and I received no call. On XX/XX/XXXX, I was told my refund request would be forwarded to a XXXX who would call me within XXXX hours to confirm my request. I was told that they could not tell me when to expect the call, but if I did not answer, there would be no message. If I failed to answer, I would get a letter within XXXX weeks that would provide a toll free number to call to confirm my request. I was told the supervisor could not provide the number in a voicemail if I missed the call. It is now XX/XX/XXXX, and, needless to say, I have received no call. I believe this refund procedure is a scam to hold my funds like an interest free loan.
Company Response:
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a Torrid Store card with a limit of {$250.00}. I purchased some items and began paying the monthly charge every month on time. I paid off the card to XXXX, did not use it for 3 months, tried to use it and realized that my account was closed by Commenity. This not only damages my credit due to a closed card but lowers my available credit on my credit report. I reached out to the company and was offered no resolve.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX accounts showing charge offs on my credit report, however XXXX has not responded to multiple attempts at verification of debt. I have even been hung up on in trying to request verification over the phone.
Company Response:
State: NC
Zip: 27804
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This was previously reported to you under Complaint # XXXX. We received the attached XXXX statement with a $ XXXX balance ( also attached is the XXXX statement with more charges on it ), but according to my records, they still owe me for paying the XXXX bill, in the amount of {$340.00} twice ( once in XXXX, which was FINALLY received by them over a month later, but yet posted as if it went through a clearing house and not by the actual check that I mailed to them, causing me to not be able to get a copy of that check ) and again with the XXXX bill, since, according to them, they didn't receive it, but yet they did - XXXX days before the due date. According to my calculations, they owe me for the XXXX payment of {$340.00} plus service charges and fees totaling {$30.00} for an additional amount of {$370.00}.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: on XXXX i ask can they please send me original contract with my signature to verify debt instead they are making up paperwork to send me to validate debt also i am a victim of XXXX XXXX breach They are in violation of 15 USC 1681 section 602A which states I have the right to privacy!! also in violation 15 U.S. Code 1681 i7 show steps how proof was obtain They are also in violation 15 USC 1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without any written authorization!! 15 U.S. Code 1611- Criminal liability for willful and knowing violation
Company Response:
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A