Date Received: 2023-11-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX $ Creditor : Victoria secret XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Be advise this is not a refusal to pay, But a notice sent pursuant to the fair credit act 15 USC & 1692g stating your claim is disputed and validation is requested.This is NOT a request for verification or proof of my mailing adress, But a request for VALIDATION made pursuant to the above-named title and section. i respectfully request your offices provide me with competent evidence that I have and legal obligation to pay you. at this time, I will also inform you that if your offices have reported invalidation information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX XXXX ) this action constitute fraud under both federal and state laws.Due to this fact, IF any negative marks found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Validation of the fair credit reporting act, Violation of the fair debt collection practices act, and defamation of character the following declaration, I will require at least to investigate this information, During which time which time all collection activity must cease and desist, Also, During this validation period, IF any action is taken which could be considered detrimental to any of my credit reports.i will consult with my legal suit. This includes any listing of any information to a credit reporting repository that could inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your recept references to the account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.I would also like in writing that no further telephone contact be made by your office
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I have a dental first loan from Commenity bank, XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX. I was at the dentist and the dental office suggested i take out this financing. I sign up for this financing at the office with no paperwork to read or know any financing traps this bank has. I have only spent XXXX on this and they slapped a XXXX finance charge on my account in XXXX. I did not approve or was aware of all this balloon interest or I would have never signed up for this at the dentist office. Nothing was explained to me about this account except it would be a supplement to my dental insurance. I saw no paperwork! This bank refuses to remove this XXXX and i refuse to pay XXXX for XXXX. I will provide documents when asked. I am waiting for mail from them. I will print out my statement.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I submitted a complaint regarding an account that is listed on my credit report. While I was XXXX, an account was opened in my name. I provided Comenity Bank/XXXX with documentation showing that I was XXXX from XX/XX/XXXX to XX/XX/XXXX. The XXXX XXXX XXXX was opened in XX/XX/XXXX, XXXX months after I was XXXX. However, the uploaded response states that " no information has been supplied to support the claim. '' I do not feel as if this company reviewed the proof of XXXX that was provided ; therefore, I am reuploading the supporting documentation for a PROPER investigation.
Company Response:
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Repeated phone calls from the same company ( Comenity Bank ) using many different phone numbers. This same company has also been calling using a no caller ID plus unknown caller They have been calling my phone number every single day including XXXX and XXXX since XX/XX/2023. They have also been calling me repeatedly each hour or two hours each day for the last 5 days from XX/XX/2023 until current day of making this report on XX/XX/2023
Company Response:
State: WA
Zip: 98391
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Information on credit reporting is false and is incorrect this violate my consumer rights by Comenity bank XXXX XXXX XXXX XXXXXXXX.
Company Response:
State: MO
Zip: 65203
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity Bank has repeatedly called me from over 200 different phone numbers. They will threaten me in voicemails, they will call 10+ times a day and I asked them to stop. Ive resorted to blocking all phone numbers but they change it and call 10 more times. They even XXXX searched me and started harassing estranged family members or people I havent talked to in 20+ years. Its non stop harassment. Ive attached proof of all the phone numbers and times they call daily.
Company Response:
State: AZ
Zip: 85374
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: MY DISPUTE IS WITH ( XXXX XXXX XXXX ) CREDIT CARD COMPANY, ( COMENITY CAPITAL BANK ) AT XXXX XXXX XXXX XXXX, OH XXXX ON MY XX/XX/XXXX BILLING STATEMENT IT SHOWED- PREVIOUS BAL.+ XXXX PAYMTS XXXX other credits XXXX purchases XXXX other debts XXXX fees charged XXXX interest charge XXXX new balance XXXX On XX/XX/XXXX or XX/XX/XXXX I paid this balance in full XXXX It shows in this XX/XX/XXXX month statement I am already paying a accrued interest fee of XXXX So when I paid off the amount in my XX/XX/XXXX statement of XXXX before the actual due date ( XX/XX/XXXX ) I do not expect any additional cost... but because of this misrepresentation my account was charged additional XXXX which then was reported late on my credit report as XXXX LATE PYMTS!!! I have ( XXXX ) late charges in the last XXXX yrs,, This XXXX charge has disrupt my diligent efforts to keep my credit in good standing... My QUEST is to have these late payment removed from my credit report, I feel rightfully to do so The closing date for this billing was XX/XX/XXXX payment was made in in full in less than 25 days,, actually was 12 days
Company Response:
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Creditor Name : XXXX Account Number : XXXX Date of Opening : XXXXXXXX XXXX XXXX This above account is reporting on my credit profile is fraudulent. I never applied for this account.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: To Whom it May Concern, DELL FINL SVCS XXXX XXXX incorrectly serviced my account, made it impossible to make payments, and will not remove the late payment mark from my credit history. A mark I could not have avoided due to their technical failures. In XXXX of XXXX, I tried calling the number listed on my mailed statement to pay my on my account to keep it current. The number listed was no longer in service. I then tried their web page, a representative told me I could not submit payments online for this account and I would have to send a check. I stated I had paid for years via the phone and they stated a change was made to these old accounts and they would only take a check. I tried in vain to find other numbers for Dell Financial Service that would answer questions about my account, but either found dead numbers or people who couldn't answer my questions. I sent a check to DFS on XX/XX/XXXX, past the posted date ( I had to order checks ) but not 60 days past. I received zero communication from DFS, only noticing in XXXX that my credit report was dinged for late payment on an account. Again all posted numbers in previous mailings I had received were dead lines. I called their headquarters several times until I got a human being who could accept my payment. They could not tell me what happened to the check, why the # 's posted and emails I had sent were unanswered, and when I asked if they could remove the late payment mark on my credit due to the circumstance, they said no one at Dell could do that. I then asked to escalate and was hung up on with XXXX resolution. The next month they sent a letter saying they had cleared my debt out, because my account was so old they could no longer service it. To summarize, I was able and willing to make payment on my debt. I made every good faith effort to contact them and pay on that debt on time, they never communicated a change in accepted payment method nor the deprecation of their payment/support line for my type of account. I mailed a check and they never responded with any issue or sent a letter of non-payment to say the check had not been processed. After finding a human that could take my payment, they still could not answer questions about my account. I feel like this mark on my credit history is extremely unfair and fear others may also be impacted with similar " older '' accounts.
Company Response:
State: WA
Zip: 98103
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Yes I was shocked when I called a company I had gotten a card from the be of the bank is comenity capital which is a part of big lots stores credit cards. I was asking them about my interest rates on a purchase and the agent said when I purchased a soda drink even though it was ( XXXX and some cents they charged me a XXXX interest rates on that XXXX item purchased for XXXX ) so I told him that's cheating and thief charging a ( XXXX interest rate when I just purchase a XXXX drink and he said that's how they do it and I told him that's a crime and fraud ) and after the criminal conversation I told him I can not have a card cheating and committing such criminal acts and fraud ) so I told him to close the account. Afterwards they send me a letter because I closed the account stating since I closed the account they will charge me a extra XXXX and some cents higher interest rates. And I contacted thier higher offices and told them I had to close the account because nobody told me if I purchase a soda or any other snacks at such a low price I will be charged ( XXXX and some cents charge for a XXXX or XXXX purchase then a XXXX and some cents interest rates on every purchase!!! That thief and fraud and robbing me and other card holders but the XXXX I'm the head offices still added a ( XXXX and interest rate after I told them what on XXXX XXXX and our loving father XXXX earth are they doing! Anyone would close such a fraudlet card. Tricking me and others into such a fraud and thief deals. They took the interest higher even though they are doing the stealing robbing cheating and fraud. Which Is a federal offence. Even though I was mislead about how they did interest rates. This is illegal and a crime and refused to lower it. Be blessed
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A