Date Received: 2022-11-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: THESE ACCOUNTS WERE CLOSED AND PAID - THE DEBTOR DOESN'T OWN THE ACCOUNT BUT AT SOMETIME OVER XXXX YEARS AGO RE-ESTABLISHED CREDIT OR RE-OPENED THE ACCOUNT AND THE DEBT WAS CHARGED OFF. THEY THEN SOLD IT IN XX/XX/2019 BUT DID NOT INFORM ME. THE DEBT IS TIED TO AN ADDRESS IS NOT MINE AND A PHONE NUMBER THAT IS NOT MINE.
Company Response:
State: CA
Zip: 92843
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2022, a redemption of {$790.00} was made to my checking account on file. To date, the deposit has not been made and the credit card company has no answers to explain why my monies have not been transferred and deposited to my account that they have on file and withdraw from to pay my bills.
Company Response:
State: NJ
Zip: 08822
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have two late payments on my XXXX XXXX Card in XXXX and XXXX. Ive asked to have them removed from my credit. Im disputing the late charges.this card was was replaced due to my card being lost when I lost my entire wallet. I was given a new card
Company Response:
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with the credit bureaus, and noticed there are several inaccurate accounts, judgements and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened & severals inquires I did not authorized
Company Response:
State: IL
Zip: 60074
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XXXX XX/XX/2022, I went to forever 21 at XXXX XXXX XXXX # XXXX, XXXX, NJ XXXX, which is in XXXX XXXX XXXX. Forever 21 issued me a forever 21 credit card without my knowledge, which I didn't want. As I went for billing, they kept on insisting to get a membership account which I denied specifically. Then they told me that I will get 40 % discount if I get a membership and didn't mention that it was a credit card. They asked me for my Name, Phone Number and Email id to get just a membership which will avail me 40 % discount on my current purchase and 20 % discount on thereafter purchases. They did not accept my card at that moment and asked me to pay the outstanding bill via account which they created with my above mentioned information. They specifically told me that it is not possible to complete the payment today and I have 30 days to do the payment via account. They told me that I will receive an email and a bill for this purchase on which I will have to do the payment. Once I reached home I tried to do the payment through the forever 21 website but there was no place where I could find the same. So, I called forever 21 customer care and they told me that I was given forever 21 visa credit card membership and provided me with the information of the credit card portal for payment. I was told that I will be able to do the payment once I receive the bill. I received the bill in the XXXX week of XXXX via mail and I did not receive any email of the bill. After receiving the bill, I tried to login and pay the bill but I still hadn't received the login credentials so I called the forever 21 customer care, they diverted me to finance department and then I told them that I have a bill but I don't have any login credentials, the finance department told me that the bill has a number in the bottom which is my account number. Then they asked me to login with that account number and last four digit of my SSN but it didn't work and till date I am not able to login. As a matter of fact, I still haven't received a credit card from them. I have called them many times for not receiving any credit card but they said that I will receive it soon which I never did. I only received a bill. I tried many times to complete the payment but to login I didn't receive any login credentials. I tried too many times but it was not logging in. Then I again called customer care and had a chat with them that due to this technical error, that I am not able to login, I am unable to do the payment. There was a option to pay online in the customer care of the credit card department call. They asked for all of my debit card detail as they did not accept credit cards for the payment, which I provided, and finally the payment was complete but did not receive any email of the same. I called them many times to shut the credit card but to no avail. Then after two months I started receiving calls from a COMENITY BANK stating that I have late fees on the credit card for two months and they started mentally harassing me for the same. They would not listen to me and start yelling on the call saying that I owe them money. They give me warnings on phone stating they have my SSN and they will take action against me and there will be consequences. I called the forever 21 customer care for the same but they said that it is not there area of concern and I will have to deal with this bank myself. From last month they have been calling me continuously from different numbers and harassing me.
Company Response:
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Bank is reporting updated payments and inaccurate information including date last active and last reported dates on an account that was closed almost immediately after opening it. I have complained about the credit bureau inaccuracy with the bureau as well.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Bank is reporting inaccurate information to all 3 credit bureaus. The dates last active and last reported are all inaccurate along with a payment history showing years after the account was paid off and closed in 2016. I have filed complaints with all 3 bureaus who never corrected the information when I disputed it.
Company Response:
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had a XXXX card with XXXX. They switched from XXXX XXXX XXXX to Comenity in XXXX, 2022. Despite multiple calls, I never received a card. I did, however, get a bill, which I paid off in full. I cancelled the card online but was told that to get a confirmation, I had to provide a fax number... which of course, I do not have! I can't even tell you the account number of the Comenity card since the bill only provided the last four numbers... and as I said, I never got a card or any other official communication other than the bill from Comenity. Thank you!
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a credit card through Zales several years ago. The card is managed by Comenity and I attempted several times to have the account closed out after paying off the full balance. I have been told twice now from the customer support for them that all my balance is paid off and that the account is closed. I have been notified for a third time that I have missed payments due to account interest. I have spoken with the customer support for a third time and they are still trying to get me to pay interest charges before the account can be considered in good standing. I have alread paid off the full balance twice for this reason and despite being given assurances that the account is completely closed out and no further interest charges will be added, they continue to do so. On XX/XX/XXXX I paid the remaining balance of {$3900.00} to set the total balance to {$0.00} and spoke with a customer representative to ensure the account was closed and I wouldn't receive additional interest charges. I received a call 2 months later claiming I had a balance of {$150.00} due to missed payments and interest. I then paid that balance and was told that everything was in good standing and the account was considered closed. 2 months later I get another email claiming I have two interest charges for {$2.00} each and a late payment charge for {$2.00}. I tried speaking with customer service again and they refuse to allow me to speak with a supervisor and refuse to have a supervisor call back and want me to call back later.
Company Response:
State: CT
Zip: 06082
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
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 Zales # XXXX has violated my rights. 15USC 1681 section 602 states i have the right to privacy 15USC 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 an open end consumer credit plan as late for any purpose
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A