Date Received: 2022-11-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been contacting Wayfair since XX/XX/XXXX. First I was unable to access my account or statements for over 2 months due to a system update they made that took their entire system down and it messed up customers account information, you could not access your account, schedule payments or make account changes. I have sent them several emails about my credit reporting because I have had no missed payments on my account and they have failed to update my payments and report an accurate balance since XX/XX/XXXX. I receive messages all the time when trying to log in online that they are experiencing technical difficulties. I have been told to update the credit reporting myself with the credit bureaus or that due to their system update they are unable to update the reporting and they apologize for the inconvience. COMENITYBANK/WAYFAIR Balance {$4700.00} Updated on XX/XX/XXXX Date opened XX/XX/XXXX PAYMENT HISTORY LEGEND On Time NA No Applicable Payment History - Data Unavailable Status Current Status updated XX/XX/XXXXXXXX XXXX
Company Response:
State: IA
Zip: 502XX
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report
Company Response:
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This company has not reported my balance since XXXX. I have checked all bureaus. The account balance is also at XXXX. I am trying to buy a house and this is not helping the process
Company Response:
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I purchased an item, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXXXXXX a XXXX XXXX credit card. However, the delivery tracking number # XXXX indicated a delivery on Saturday, XX/XX/2022 at between XXXXXXXX XXXX ( CT ) XXXX XXXX ( CT ) that NEVER occurred. This is FRAUD. The package NEVER arrived, although, the tracking on the XXXX XXXX website indicated it did. I immediately advised XXXX XXXX that I did not receive the package. I chatted on-line with customer service then submitted the affidavit as requested, all within an hour or two, after identifying the package was not delivered. Subsequently, I received a billing statement from Comenity Bank on behalf of XXXX XXXX ( i.e., merchant ) charging me for an item that I did not receive. Now, I am being bullied, harassed by telephone several times a day and by mail with a bill that I do not owe demanding that I pay it! No, I am NOT going to pay for an item that I did not receive. Comenity Bank, apparently, has decided when a customer orders an item ( s ) the customer must whether the item ( s ) are received or not! Comenity Bank is not requesting the merchant guarantee deliveries of item ( s ) ordered. It is apparent that the delivery vendor ( s ) are stealing customer orders and Comenity Bank is insisting the customer pay for item ( s ) not received.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Credit limit was decreased by half from {$600.00} to {$300.00} due to credit score decrease. XXXX XXXX account has never been in default for non payment. I received a letter from Comenity Bank today stating the reason for the decrease, of course, which was my credit score. I feel discriminated against because of this issue. Again I don't feel my credit score should have anything to do with a credit decrease on my account. I asked the XXXX XXXX representative on the phone would my credit limit go up if my credit score increased. I feel this matter is truly unjustified and would appreciate a better resolution. Very truly, XXXX XXXX
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2300.00} If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove the fraudulent account from my file. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Company Response:
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: My calendar didnt send a reminder, so my payment was late ( it has been paid now ). They called yesterday ( XX/XX/XXXX ) from number XXXX at the following times : XXXX XXXX XXXX XXXX They called today ( XX/XX/XXXX ) from number XXXX ( and a blocked number 2 times in between at the following times : XXXX XXXX XXXX XXXX ( blocked ID ) XXXX XXXX ( blocked ID ) XXXX This is harassment. Is there a contact for a lawyer also?
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Creditor haven't reported score since XX/XX/ my account is still open and I've been paying my bills on time.
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: XXXX credit card account was transferred from XXXX XXXX XXXX to comenity bank on XXXXXXXX XXXX. I never received notification of this change and never received my credit cards. I found out because my old card was denied. When I called on XXXX I was told I would receive my new cards soon. After calling weekly and only being able to communicate through instant message I finally had enough lies and paid my bill over the phone and canceled the card. A week later I got a bill in the mail. I had to call to make sure I didnt owe anything. This company was the worse I have ever dealt with. I had three people a week apart tell me not to worry my cards were in the mail. I dont know where said cards are. The bill was paid in full and account canceled. I am not assured that I wont get another bill from them but I have kept all electronic communication with them in case I need to see a lawyer. Unethical company
Company Response:
State: NY
Zip: 14304
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Ive called Comenity Bank multiple times ( at least 4 ) since I signed for a card with Ulta. When I called I asked to change my payment date as I noticed I was getting charged a late fee every month as the bill is for the XXXX. I usually pay the bill on the XXXX. Because my bill is paperless I wasnt aware I was accruing late fees. When I realized it I called. XX/XX/XXXX was the first time I realized I was being charged a late fee. At that point I had been charged on XX/XX/XXXX & XX/XX/XXXX. In XX/XX/XXXX Comenity Bank removed the late fee for XX/XX/XXXX. I asked to change the date of the payment. I was informed I needed to call back closer to the middle of the month. Life is busy and a few months would go by and Id remember and call again only to be told the same thing, call back. The card has a credit limit of {$700.00}. Theyve charged me {$310.00} in late fees since XX/XX/XXXX with the excuse of having an old system and being unable to change my payment date at the time of my phone call. Ive called 4 times maybe more trying to get my date changed. I have been unsuccessful which has increased my interest and late fees because Comenity Bank continues to use the excuse of their system being unable to change the date when I call to continue with their deceptive and bad business practices.This causes unnecessary and unfair, and unaffordable late fees every month, which raises the interest rate monthly, and raise the interest rate overall because Im late due to their inability to change the date when I call.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A