Date Received: 2023-01-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX is on my credit history and have no clue why its been on my credit report I lived with some people during these things on my credit report occurred on my credit history in my birth certificate and social security card and Id got stolen from me in then started realizing that there was all kinds of credit card was applied for under my information in then my credit is ruined because of other people who still peoples identity its sad how people are now days I shouldnt have to struggle to get this XXXX off my credit history because of how hurtful someone would just steal someone identity in use the person information just so they can get people thinking that its the person whos identity who was stolen in then takes forever just keep disputing the things I didnt apply for or had nothing to do with still struggling after a couple years of constantly getting it off my history people just dont care
Company Response:
State: GA
Zip: 30120
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I paid in full my account and they continue charging me late fees
Company Response:
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: In XXXX of 2022 I submitted a dispute for a service that never took place due to XXXX XXXX. I am over 180 days later and the issue has not been resolved. When yiu attempt to call customer service you are on hold for over XXXX minutes only to get disconnected or hung up on by an agent. I sent numerous emails and I just keep hearing this will take 90 days. We are over 180 days now and still nothing clear about what is happening. And I am getting very frustrated with getting clear answers.i believe this is happening because once I pay off the card they will no longer offer a refund. So they are prolonging it so that I don't receive a refund
Company Response:
State: CA
Zip: 90255
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2023 I received notification that I've have an new hard inquiry from XXXX XXXX INTE. I have no idea for what because the creditors provided no information. So I'm taking this step to try an resolve the issue
Company Response:
State: AZ
Zip: 85043
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received a copy of my credit report and the following account is in error. This debt has been reporting late payments after the creditor has charged off this account as bad debt. Victoria Secret acct # XXXX Why am seeing a balance after it was a charge-off status? Please remove this immediately. By the provisions of the Fair Credit Reporting Act. I demand that this item be investigated and removed from my report understanding that you will recheck these items with the creditor who has posted them. Please remove any information the creditor can not verify. I understand that under FCRA 15 U.S.C. Sec 1681s-2/ ( a ) ( 1 ) ( a ) you must complete this reinvestigation within 30 days of receipt of this letter.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am a victim of an identity thief. My Identity was used to open fraudulent credit cards and accounts. I generated an identity theft report and followed identitytheft.gov instructions to close all fraudulent accounts and remove all false information from my credit report. The only false record left is about the fraudulent account that Comenity Bank keeps saying belongs to me. Comenity Bank ( the reporting company ) received a few dispute requests from credit bureaus ( XXXX, XXXX, XXXX ) about this fraudulent account. But after their " investigation '', they continued to report this false information about me. Initially, I called Comenity Bank and asked them to investigate my case. But they denied accepting my request because that fraudulent account is too old and already closed and is not managed by Comenity Bank anymore. They told me that this account is managed by XXXX XXXX. I called XXXX XXXX but they told me that they can't help me as well. Then I tried to do it another way and opened disputes via credit bureaus ( XXXX, XXXX, XXXX ). And after I received the dispute results I was surprised that Comenity Bank ( the reporting company ) verified that the disputed information was accurate, and continued publishing false information about me. After that, I tried to call Comenity Bank again, as I already know what the reporting company is. Every time they tried to end the call and send me to XXXX XXXX, I insisted to be connected to someone who worked on my case, did an investigation, and confirmed that false information in my credit report is accurate. Long call, talking to different people from their support when finally I was connected to the Fraud Investigation Department XXXX. This guy was rude, yelling at me, interrupting, intentionally started talking to me at the same time I was talking, and stopped when I stopped. He was showing that he wasn't interested in helping me at all. I asked him to tell me what did they do during their investigation to confirm the disputed account belongs to me. And the only answer was that they had proof of my address ( which is false information as well ). I was curious and asked him how did they prove this false address is correct if I haven't been living in the XXXX at that time. The guy on the other side of the call attacked me in response and compared me to fraudsters who try to get rid of their debts. He put me on a hold few times, he was intentionally chewing during the call, declined to accept my report on that fraudulent account a few times, and played with words not to give any promise but get rid of me. As he didn't or couldn't help me I asked him to connect me with someone who can help me. But without luck. I spent around XXXX hours on that call but the Comenity Bank Fraud Investigation Department hasn't helped me at all. I was told that someone from the bank will call me back, but as I understand now it was just another game of words. It was the most uncomfortable call in my life. I was insulted by such unprofessional and offensive behavior. Moreover, I feel unsafe after that call as long as I'm not sure if that guy who has access to my personal information won't use it to make my life more complicated. I opened other disputes with credit bureaus but Comenity Bank continues to publish false information about me.
Company Response:
State: NJ
Zip: 07071
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Comenity systems are still not working for consumers. I still can not log in and I still cant get through on the phones with the numbers placed on the back of the cards. I also asked comenity previously to not call my phone and that they may only communicate through email or mail. I received another call from them today. Of course no voicemail, I had to XXXX the phone number or it pops up as a spam number. It rang on my phone, then they hung up and didnt leave a voicemail. I am also hearing impaired and with their sites not working I can not send secured messages at this point and this does not meet any XXXX Criteria that would meet my needs. I was told back in XXXX that I would not be facing ANY late fees or late reporting because their systems were down. And obviously still are. If I could make the payments like they wanted I would, but how can payments be made if nothing works?! There are so many of us who are still fighting with comenity and we just get slapped in the face. They have reported me as late all the way back to XXXX and Im not happy. I still cant access my accounts so I cant even see if there are late fees tacked back on. My email to their specialty team that was provided by their legal team has gone ignored. Every single one of my accounts has been reported late and its completely uncalled for when they are the issue. Any further action against me will be sent to any necessary entity until this is properly fixed. The actions taken by comenity has adversely affected my life and has halted everything. I have been negatively affected by their decisions and the fact that they have made it impossible for myself and many consumers to make payments. The XXXX has even noted that comenity has ongoing issues. Please look further into this CFPB.
Company Response:
State: OH
Zip: 45005
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2022 XX/XX/2022 I disputed collections and charge offs that do not belong to me & they all came back as verified with no proof or wet signature. They reported the debts as new after the disputed and continuing to charge late payments when I have no knowledge of these accounts.
Company Response:
State: TX
Zip: 77320
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A credit card was opened in my name on XX/XX/2022. It was opened in my name under the Children 's Place/Comenity Bank XXXX I did not apply for credit with this company. There were Children 's clothes purchased on this account and were never delivered to my home address. I called the Children 's Place to inquire how this account was opened and why it was opened the first question they asked was my social security number and I hung up the phone. I have notified XXXX and XXXX and notified them of this incident. What else do I need to do? Comenity Bank started calling me at my place of employment. They got my son 's email address on the account however he did not open it. The reason we found out is that they sent him emails requesting to contact them as soon as possible. My son did some investigating concerning this company because there are many reports on the XXXX XXXX XXXX website concerning this Bank. Fraudulent credit cards are being opened and requesting payment of them. The XXXX XXXX XXXX has recognized pattern of complaints and have issued these alerts. Pattern of Complaint : XXXX files indicate that this business has a pattern of complaints from a file review conducted on XX/XX/2022, utilizing complaints and reviews between XX/XX/2022 to XX/XX/2022. Their communications allege : 1. Billing inaccuracies-failure to post payments to accounts in total or within an acceptable amount of time, failure to post credits from returns, no resolution to fraud cases causing consumers to be responsible to fraudulent activity and interest/late fees, continued billing for interest and late fees for accounts that are closed, and loss of rewards/cash back amounts due to consumers. 2. Customer service deficiencies-Extreme wait times to speak to a representative and lack of response or lack of resolution to issues. 3. Inaccurate reporting to credit bureaus-reporting balances on accounts that have been paid/closed and lack of reporting when balances are paid. On XX/XX/2022XXXX XXXX informed the company of these issues in writing, with a follow up sent on XX/XX/2022. The business has not replied. Please contact me if you need further information. Please see the following attachments
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I received a statement in XXXX that stated the closing date for that billing period was XX/XX/XXXX. The statement indicated ( highlighted in red ) on the first page that I must pay a balance of {$2000.00} by XX/XX/XXXX or any remaining balance would be assessed interest at the standard purchase APR. On XX/XX/XXXX I paid {$210.00}. On XX/XX/XXXX, I paid {$1800.00} for a total payment on the account of {$2100.00}. This is above and beyond the clearly stated amount of {$2000.00} noted on the XX/XX/XXXX statement. Upon receiving my XX/XX/XXXX statement I noted an interest charge of {$2.00}. What this shady bank did was charge me standard purchase XXXX for charges that posted ON and AFTER XX/XX/XXXX that were not paid off by my payment on XX/XX/XXXX ( some posted as of the date of XX/XX/XXXX through XX/XX/XXXX ). There is no way, I, as a consumer, would know that I was being charged interest for NEW charges in the current billing cycle because of a promo that stupidly ended in the middle of a statement cycle. Any charges that posted to my account from XXXX that XXXX is attempting to claim fall under the " promotional '' period is predatory. I want my {$2.00} refunded.
Company Response:
State: NY
Zip: 14206
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A