Date Received: 2023-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose.
Company Response:
State: NC
Zip: 27526
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: For second time in less than a year I have been charged late fees and in the first case interest by XXXX XXXX XXXX. Comenity XXXX XXXX XXXXXXXX, Texas. My payment in both cases were processed on the XXXX of the month. The due date was the XXXX of the month. In the most recent case the payment was mailed on XX/XX/2022 from XXXX Massachusetts. It should not take 20 days for Comenity Capital Bank XXXX Texas to process a payment. Is this a systemic problem within Comenity Capital Bank? For example XXXX XXXX Banks, in XXXX XXXX XXXX, Texas routinely process my payments in 10 days. I called the company there response was slow mail during the holidays. I mailed the bill the day after I received.
Company Response:
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: XXXX XXXX has submitted a late payment concerning my XXXX XXXX XXXX XXXX card to the credit bureaus without my consent. This posting was made for the month of XX/XX/XXXX. I spoke with the creditor in XXXX and XXXX of XXXX, and they stated that no changes would be made to the account or the report. Comenity Bank has reported a late payment concerning my Victoria Secret credit card to the credit bureaus without my consent for the months of XXXX and XX/XX/XXXX. I spoke with a Comenity Bank representative on XX/XX/XXXX and she stated she was unable to make any adjustments to the account or the report. No explanation as to why was given. In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 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. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.
Company Response:
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have had a XXXX account for about XXXX XXXX. It has been on automatic electronic payment for a long time. XXXX. XXXX statement shows a balance of {$550.00} with a payment due on XX/XX/XXXX. XXXX. Payment of {$550.00} made on XX/XX/XXXX. XXXX. XXXX statement shows payment of {$550.00} received on XX/XX/XXXX, but they charged interest on this XXXX balance (? ). The electronic payment that would cover this " interest '' was not made. XXXX is unable to explain why the electronic transfer was not made. XXXX. XXXX statement includes a {$10.00} fee. The electronic payment was not made. XXXX is unable to explain why the electronic transfer was not made. XXXX. XXXX statement includes a {$20.00} fee. The electronic payment was not made. XXXXCard is unable to explain why the electronic transfer was not made. I PAID MY BILL IN FULL ON XXXX XXXX, have given XXXXCard access to take electronic payments and continue to be charged fines and my credit rating continues to drop. No evidence is attached, because it's all documented in their statements.
Company Response:
State: IN
Zip: 473XX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was trying to use my Express credit card on XX/XX/17 and it was declined. I was confused as to how that can be when it shows that I have available balance and wasn't past due on my payment. I contacted XXXX and the representatives referred me over to Comenity Bank, its financial servicer. The Comenity reps and supervisor advised me that there was an internal software glitch over the summer which still left accounts like mine to still have issues. Comenity told me that they will have to submit this issue over to its IT department and have them to correct my account. A couple of days passed by and I noticed on my current credit report that the XXXX account 's status was shown CLOSED. I immediately contacted XXXX and their chat representative indicated that it was indeed closed. I explained to the representative that I never requested for it to be closed and he referred me once again to Comenity Bank and I spoke with one of the supervisor 's named XXXX. He did see that I reached out to Comenity Bank on XX/XX/17 and he submitted a 2nd request form to the IT department. He said also will submit a form to have the credit tradeline to reflect that it should be opened. However, it didn't sit right with me that when I originally reached out to Comenity ( XXXX ) nothing has been resolved yet. So who's to say that they will resolve this the 2nd time?
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/23 - got an email alert from XXXX that Comenity/XXXX made a hard inquery on my credit report XX/XX/23 - received a letter in the mail from Comenity Capital Bank that my XXXX XXXX XXXX application was being held up until I called them to finish the application process. I did NOT apply for this credit card, someone else applied for the credit card in my name fraudulently XX/XX/23 - I contacted XXXX to dispute the hard inquiry on my credit report and also had them put a fraud alert on my credit report and had them freeze my credit report. I plan to contact Comenity Capital Bank from the letter they sent and have them disregard the credit card application
Company Response:
State: MO
Zip: 63304
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I applied for an IKEA credit card ( with comenity capital bank ). But I never received the card. Obviously, someone stole this card, open the card and made purchases for XXXX without my authorization. I tried connect with the bank 5 times. Still not get this resolved. I want to dispute the charge and recover my XXXX XXXX.
Company Response:
State: CA
Zip: 91942
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: When I pulled my credit report in XX/XX/2022, I noted that Comenity Bank had pulled a copy of my report. I sent them a letter requesting information about why they had pulled the report. I am a past victim of identity theft and found this to be the earliest warning sign that someone was using my financial information improperly. I wrote to the bank and it responded by saying that they had searched their records and found no business relationship with me and therefore would not have done so. I wrote back providing the bank with my social security number as well as the date that the report was pulled. They once again advised me that we had no business together and advised me to dispute this with the credit bureau. I am suspicious that they pulled my report for someone's fraudulent purpose. I want to know why the report was pulled and under which name. In the past my social security number was used with another name to fraudulently get credit. I am suspicious of that in this case. The first time that my credit was stolen I noted a similar action when my information was used to open an account with utility company. I am providing a copy of my credit report. Please refer to he section reporting soft enquiries as well as Comenity Bank 's responses.
Company Response:
State: UT
Zip: 84040
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an XXXX XXXX credit card through Commenity Bank. I am currently not using the card which carried a {$0.00} balance due for quite some time. Somewhere around XXXX an approx. {$2.00} -3 fee was added to the account that I wasn't aware of. I never received a statement for the amount apparently accrued late fees and eventually reported as more than 30 days late. I finally received a call from a representative about the charges. I told her that I was not aware. She, therefore, removed the two months of late fees and brought the account current. I have been working very diligently to pay al of my accounts on-time in effort to purchase a home. Although this may not have a major affect, I am requesting to have this late payment removed based on the information provided above.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Since sunday XX/XX/2023 commenity bank has called me XXXX times. Both from a blocked phone number and their actual phone number. It is absurd. They have violated regulation F, if memory serves me correct and are going against FDCPA guidelines. I understand i owe and i do plan on paying. At the moment it is a difficult situation we are working on getting out of. The calls arent necessary and excessive AND abusive. I feel harassed by them.
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A