Date Received: 2022-12-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, my right have been violated. 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 ate for any purpose.
Company Response:
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: For years now Ive been fighting with this company Comenity Bank to dispute fraudulent charges thats on my personal credit report. This business is report and that I owe a company name XXXX XXXX over XXXX which I personally never collected because this account was never opened in my acknowledgement or consent. I believe the account was open sometime in XXXX and Ive been fighting since then to get these fraudulent charges off my credit report. another company is XXXX XXXX theyre stating that I owe them over XXXX, from XXXX. This account as well, its not mines, or was an open to my acknowledgment or to my consent. The previous home that I was in I left my personal wallet in my phone inside of a hidden closet inside of a closet totally forgot about it. The house was remodeled and whoever went inside that cubby space has access to my personal information.
Company Response:
State: OH
Zip: 44137
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Since I got this cell phone number, they started calling me. I dont have any debt. Everyday they call at least 5 times. I blocked the numbers but theyre calling with different number after I blocked. I got the call and tried to ask what is this call for, but it was robo call and hang up by them. I tried to call their customer service but they dont allow to call them unless I have account which is I dont have. I was not able to contact them.
Company Response:
State: GA
Zip: 30720
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid 3 credit cards and have been waiting for nearly 6 months ago. I attempted to contact comenity and was told they can't do anything. They told me to send a secure message through their message center, which I did. XXXX XXXX XXXX XXXX. Last reported XX/XX/2022. {$410.00} shown on report Ulta last reported XX/XX/2022. Shows {$220.00} on report XXXX last reported XX/XX/2022. Shows {$160.00} on report.
Company Response:
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I've reached out to Comenity bank on several occasions in reference to closing my account. My list payment was made almost 6 months ago, but it is still appearing on my account. I've called, and sent messages in their online portal. They've been promising to correct it each time, but is still present on my credit report
Company Response:
State: MS
Zip: 39180
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: A check was sent to Comenity Bank to pay off my XXXX XXXXXXXX XXXX. The check for {$5900.00} was received on XX/XX/2022. As of XX/XX/XXXX, the check has not posted to my account. Another check was received by Comenity Bank on XX/XX/XXXX for {$140.00} that was posted on XX/XX/XXXX, but the larger check still hasn't posted. I have called the customer service line and complained and they said they don't have any way to communicate with the payment department to follow up on the payment. It is unfair in the meantime that interest is charged to my account on a daily basis. The tracking number for the check that was delivered on XX/XX/XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: - NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted COMMENITY on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. COMMENITY has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. I, XXXX XXXX XXXX, have gathered all this information for litigation.
Company Response:
State: FL
Zip: 33183
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602, states I have the right to privacy. 15 USC 168 section 604A 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 as late for any purpose. XXXX XXXX credit cards : late payments reported XXXX XXXXXXXX : Late Payments reported XXXX : Late Payments Reported
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I reviewed my credit report and noticed the alleged listed account. I sent a request for verification of the debt to the creditor in XX/XX/2022. After XXXX days of no response or update, I reached out to the creditor again to gain information of the alleged debt. Its been roughing XXXX days and I have yet to receive a response or any information about the alleged debt. I am aware of the law stating that the creditor has XXXX days to complete the investigation. At this point, this alleged debt is now illegally posted on my credit report.
Company Response:
State: NJ
Zip: 08648
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: COMENITYCAPITALBANK/XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I the federally PROTECTED consumer may have given COMENITYCAPITALBANK/XXXX whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Company Response:
State: OK
Zip: 74012
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A