Date Received: 2023-01-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Recently, I did an investigation on credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. XXXX XXXX XXXX XXXX XXXXXXXX, a consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I noticed Ive been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ), by Comenity Capital Bank and XXXX XXXX XXXX XXXX in connection with the collection of an alleged debt. There is evidence of the use of abusive, deceptive, and unfair debt collection practices. These practices resulted in the infringement of my intellectual property rights. Under Florida law it is illegal to secretly record an oral communication without the consent of at least XXXX party. I am hereby giving you advance notice that I XXXX decide to record any/all oral communication with your company, using any recording device that I so choose ( including transcription ), in the event that I have to use to use it as evidence against you in a court of law to prove that you were noncompliant. So if you contact me by phone, you are therefore giving me consent to record. Pursuant to USC 1692c. ( c ) I am notify you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of illegal communication with me through any and all mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as consumer, and the original creditor I am demanding all of the following. I refuse to pay this debt. Send and XXXX XXXX pursuant to XXXX XXXX XXXX ( d ) including all documents, including but not limited, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else to the Consumer for review and validation ; XXXX out the balance on this account and DELETE all accounts held by debt collector from all consumer reporting agencies. Remove all remarks and comments off all consumer reports ; Cease communication and use of my intellectual property. Unless it pertains the validation of the alleged debt or remedy for violations that occurred. Any furthers communication with the consumer must be in writing, delivered via mail to the mailing location above. Again, this is a notice pursuant to FDCPA ( Fair Debt Collection Practices Act ), Failure to honor demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall. a. ) Be taken as tacit agreement to the claims set forth, b. ) XXXX the Consumer all demanded remedies, and XXXX ) XXXX result in litigation ( Janetos v. Fulton Friedman & Gullace , LLP, 825 F.3d 317,325-26 ( 7th Cir.2016 ) Assignees who are debt collectors are responsible for the actions of those collecting on their behalf, citing Pollice, XXXX XXXX XXXX XXXX. ) Regards, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
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 credit card account under an open end consumer credit plan as late for and purpose.
Company Response:
State: CA
Zip: 91932
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
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 was due a refund of {$94.00} from my XXXX credit card. XXXX said they sent it to Comenity bank, who services the card, but it never showed up on my account. XXXX said they never received the refund. XXXX and XXXX refuse to speak to each other, or give me details regarding the refund so this can be resolved. XXXX finally sent me a refund check after 6 months and dozens of phone calls. However, after I cashed the refund check, XXXX put a charge on my XXXX credit card account for the same amount stating " refund '', but it's a charge, so it zeros out the check amount they sent me, so I still have not received a refund. At this point, neither company can tell me how to resolve this, who I can contact, or what I can do. They are both shrugging their shoulders saying it's each other 's fault and neither will help me and I'm still out my money. I've attached a document called " XXXX XXXX and XXXX complaint '' that has the exact dates, phone calls, and other details. I've also attached a copy of my XXXX credit card statement showing the original charge and no refund, and the further charge of a " refund '' that XXXX made to my account after I cashed their refund check. I've attached a copy of the check I cashed from XXXX that plainly says " Refund Check '' that I cashed in good faith. I've also attached a copy of my XXXX credit card with account information. My contact information and XXXX account info is at the bottom of the detailed complain letter I have attached.
Company Response:
State: FL
Zip: 32405
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution XXXX not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information XXXX be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information XXXX be disclosed or exercise the nondisclosure agreement.
Company Response:
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXXXXXX several accounts have 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-end consumer credit plan as late for any purpose.
Company Response:
State: IL
Zip: 60406
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please note : I requested to receive a record of my XXXX statements to which Comenity declined. They said they can provide only statements from XXXX, XXXX, XX/XX/XXXX. This does not cover the window of fraud. Secondary note : I have been unable to access my account since XXXX, which is when the fraud began to occur. A class action has already been initiated for Comenity blocking access to your online account in XXXX, causing people the inability to make payments on time or see their accurate account information. This timeline lines up with my reported concern with the company. Disputing an XXXX XXXX XXXX credit card, owned by Comenity bank. Card opened XX/XX/XXXX XX/XX/XXXX - Full balance of {$220.00} was paid to the card. {$220.00} was the amount my statement/login showed as being the full balance due Following paying full balance, I did not use the card any more in the store, and therefore did not check my statements. Sometime in XXXX they added an fraudulent {$3.00} fee to my card *after it was fully paid offXXXX XXXX they then charged interest on the {$3.00} charge, now my balance is {$8.00} XXXX, now my balance is {$17.00} ( keep in mind, I have not used this card at all ) XXXX Now my balance is {$35.00} In XXXX I get a notification in my credit reporting that I have an account XXXX days past due. This was a shock to me as I paid off this account in full. My credit score drops XXXX points. In XXXX I told the comenity rep to CLOSE my account, he confirmed he closed it. To this date, the account is still open. I disputed all of this plus the derogatory late payments but it does not seem that I won the dispute. I have not used the card since the start of XXXX. On XX/XX/XXXX, I get another notification to my credit report that I've got an update from this account, and my score is down ANOTHER XXXX points. They are re-reporting the " late '' payments again, and now my account is being hit twice. Comenity claims my account shows no money owed, and no late payments. They allege my account shows the XXXX late markings were also removed from my account. This company is 1 ) fraudulently adding fees to customer 's accounts who have fully paid off their balance and then using these fake fees to collect interest and late fees on these fraudulent charges 2 ) Reporting late payments to credit bureaus and ruining people 's credits. When I call to inquire, the company 1 ) wont provide me my statements, 2 ) wont fix the reporting at the credit bureaus, 3 ) typically hangs up on me mid-call XXXX Has a current alert open for Comenity for the same issue I have experienced. Business has failed to respond : https : XXXX There are almost XXXX reviews, many reporting a similar scam : https : XXXX You will find dozens of other people reporting the same fake charges after they paid off their balance on the FB page : https : XXXX? XXXX & XXXX & XXXX & notif_t=comment_mention & ref=notif
Company Response:
State: CA
Zip: 92612
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2023 there was a hard credit inquiry XXXX XXXXXXXX XXXX
Company Response:
State: OH
Zip: 45424
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I purchased an XXXX XXXX from Jared XXXX with my XXXX present, I was about to pay cash and the counter salesman made me an interest free offer on a store credit card for the first year, through Jared XXXX bank, Comenity Bank He did not mention that the interest for the entire year would be added retroactively at the end of the year if the balance weren't paid in full. On XX/XX/2022, they added a {$1400.00} charge without notice or warning. I'd been told the first year was interest free as long as I maintained payments, nothing more. This offer was misleading, it was used to solicited me to take out a credit account I had no need for when I walked into the store, the offer was made in a way to mislead me to think there would be no interest on the first year.
Company Response:
State: NH
Zip: 03062
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The credit card bj comity bread financial services report inaccurate information on my credit report. late payment. the company website dont work always report due to it difficulty the system is down. unable to make a pyment. Copyright 2022 Bread XXXX. This site gives access to services offered by Comenity Capital Bank, which is part of Bread XXXX. Credit card offers are subject to credit approval. Cash back is in the form of electronic Awards issued in {$10.00} increments that are used at checkout at XXXX 's and expire six months from the date issued. Must contact XXXX 's XXXX XXXX at XXXX to request cash back in the form of a check prior to Award expiration. My BJ 's Perks Mastercard and My BJ 's Perks XXXX Mastercard Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from XXXX XXXX XXXX. XXXX and the XXXX XXXX XXXX are registered trademarks of XXXX XXXX XXXX. XXXX ( TDD/TTY : XXXX )
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I realize that in the months of XXXX, XXXX, and XXXX I was charged fees twice in one month. I do not know what they are for exactly because they only say " Fees '' and not Late Payment Fee nor " Interest - daily, accrued, or compounding Charges/Fees. '' It is not fair that I am not clear about what I am paying for. Therefore, it has been impossible to anticipate my monthly payment amounts to my BJ 's Perks Mastercard and I can never seem to get ahead of the high balance. Furthermore, my transaction history is not available before XX/XX/2022. I don't think that is right. I should have online access to my entire billing history. XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$72.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$38.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$70.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$70.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$68.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$38.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$65.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD {$67.00} XX/XX/2022 TOTAL FEES FOR THIS PERIOD
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A