Date Received: 2023-11-22
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: My Victoria 's Secret credit card is being charged a fee for account protection by XXXX XXXXXXXX, that I have never signed up for their services. This XXXX XXXX company has been billing my account for years, and I failed to notice it, since the bill is online and there is a balance on this account. I always made my payments on time, never missed a payment. about XXXX years ago my husband asked to see the statement and we discovered this issue. We contacted victoria 's secret customer service right away and they promised to escalate the issue and contact us. They also advised us to contact XXXX XXXX directly, which we tried at that time, but after long ( over XXXX minutes hold ) we gave up. I am ashamed to say that I forgot about this issue again ( we have XXXX XXXX XXXX ) until again my husband asked about this account. I have checked the account and I saw that XXXX XXXX is still billing my account ( depending on month ) from {$39.00} to {$41.00} + per month. This is fraud being committed by both companies : XXXX ) XXXX XXXX is/has been billing my account for years ; XXXX ) Victoria 's Secret bank is assisting them to do it and won't investigate, even though I specifically stated that I am a victim of fraud. Second conversation took place about XXXX week ago, I first spoke to fraud department, they, without specific reasoning transferred me back to customer service. Than I spoke with XXXX ( ID number XXXX ) from escalation department, that was not much help either. She kept promising she will resolve the issue and keep asking me to call XXXX XXXX, a company that as far as I am concerned is committing fraud. I specifically demanded that she terminate the XXXX XXXX and XXXX refused to do that by telling me I need to contact them directly. They have charged my account for at least XXXX years and I am positive this is a company policy and Victoria 's Secret bank is fully aware of this issue and they are practicing this against other customers as well. Please help me solve this issue.
Company Response:
State: FL
Zip: 33178
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit report in the morning of the XXXX and noticed that a hard inquiry was added under the name Comenity Capital/Seph. I called them inquiring about the charge along with the reporting credit bureau. Comenity said they had no record of me and that there was no further information that they could provide to me. I have never inquired with Comenity, let alone attempted to open an account with them. This is either them improperly using my information to open lines of credit, or an individual with little information about me applying for a credit card under my name with little to no verification.
Company Response:
State: CO
Zip: 80205
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: 2023-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Comenity bank has not stopped calling me for over 6 months regarding debt that is not mine. I do not know how they got my number. They are harassing me calling at all hours of the day from different numbers. I have blocked multiple numbers and they keep calling me from new ones. I do not know the person they are trying to collect debt from and I have repeatedly stated this but they keep calling. The most recent number they called from was XXXX ( XXXX ) XXXX and I let them know I would be filing a complaint for abuse with the FTC.
Company Response:
State: NJ
Zip: 08085
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX, I noticed that the personal information of someone else was listed on my XXXX credit report. I also noticed that a Comenity Bank/Express account was also listed on my credit report, which was not mine. I contacted Comenity Bank and learned that " XXXX XXXX '' of XXXX XXXX opened an account with Comenity Bank using his own personal information but listed my social security number on the application. Over the course of the credit account, XXXX was overdue on several payments. It is clear that XXXX XXXX mistakenly used my social security number when filling out the application. This is a disgrace and is currently affecting my opportunity to purchase a house, which we are closing on within the month. I previously submitted a claim on XX/XX/XXXX with the CFPB and XXXX to have the information removed, which it was. I am not sure why his personal information and credit history was re-attached.
Company Response:
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I bought a pair of shoes at XXXX and at checkout was told I could get {$15.00} off if I started a credit account at the time. The checker said it would help her greatly. I agreed and gave my info. I was to get all the information and a credit card in the mail. I waited over a month for this. As soon as I got it I tried to pay it off and I couldnt find an address to send a check to. There was all sorts of info for attaching to my bank account or credit card both of which I do not do. I waited for a couple of weeks waiting for an email to tell me more but nothing showed up and since the due date was gettin close I decided to get more serious about finding their address. I found their website, signed in and finally found an address way down in the fine print. I sent off the check in plenty of time. I pay my bills through the bank who prints the check out and mails them while keeping a record for me. I thought it a bit strange that the bank didnt have an automatic info fill in on this company but since I had the company and an address from the official website I double checked and put that info in and my bank sent the check. I sent {$71.00} on XX/XX/2023. I soon got an email that a payment was due on XX/XX/2023. The email said that if a payment was made that is processing I could disregard this notice. a little while went by and I got an email saying that my payment was late. I called the number on the back of the credit card to see what was going on since I sent the payment. I was told that no payment was received and that I now owed the original amount plus {$30.00} late fee. I objected and told that the money was sent. She asked what address I sent it to so I read it off. I was told that was the wrong address. I said that is the address listed on your wed site. She said that address was incorrect and since it wasnt my fault the late fee would be reduced to {$15.00}. I told her that that is not fair but give me the pay off amount and to close the account since by this time I have had enough of the way this company does business. She told me {$88.00} and that the account was closed. I felt that an unfair charge of {$15.00} was a small price to pay to not have anymore trouble from these people.I told her I would stop payment on the first check and issue a new check for {$88.00} that she asked for. I got an email giving me the amount {$88.00} and the processed date XX/XX/2023. I thought the matter closed. I checked my account and saw both the original payment of {$71.00} and the new payment of {$88.00} listed. I checked with my bank to see that the stop payment did work and the money was not payed. I started getting phone calls that were announced as community bank on my answer machine, no message left. I still didnt associate community with comenity or XXXX XXXX After a few I tried answering but no one on the other end. I got an email saying they would report me to four different credit agency 's and more calls that would hang up. I checked the credit report and didnt see anything about late payments so didnt think any more of it. I was then getting calls that I would answer and I would hear XXXX XXXX XXXX XXXX and they would hang up. no message ever left. It was strange but I get so many spam calls I didnt think much of it. A couple of days ago I picked it up and there was finally someone on the line. She said she was collections and wanted {$140.00}. I told her this account was closed out a while ago. She said {$15.00} was not payed and the rest was late fees. I told her that I was all paid and the account closed months ago. She said that a {$30.00} late fee was imposed and that {$15.00} was deferred. I told her that was not what i was told when I closed the account. She insisted and that I should pay now with a bank account or credit card right there and then on the phone before more late fees add up. I asked if she was a collection company or the credit card company and she said that she was the collections department of the bank. I told her that I would not pay anything to her over the phone, I would call the number on my card. She said I should pay her since I would get the same office when I called that number. I am not stupid enough to give information, especially bank information over the phone. I called the number on the card Tuesday during banking hours and asked whats due and got the same amount. I said I would pay it and asked if the account was closed and got no answer he just changed the subject. XXXX asked for the address to send the check. He gave me XXXX address that I repeated back to him twice then he said it was the wrong address and preceded to give me another one. I repeated it back and he said that was correct. Now we are on the fourth address. I entered it into my bank account and sent the check. The reference number is XXXX and I was talking to XXXX. XXXX is a good store with a good selection of shoes. I know that this credit card company is not the store but they should know what type of shady credit company they are endorsing. I do not hurt for money and neither {$15.00} or {$140.00} hurt me in any way except that what they have done is wrong and crooked. How many other people have they been doing this to. I have checked my XXXX XXXX and it has dropped significantly but not enough to hurt me since I had such a high score. This type of behavior from a credit company should not be tolerated and I hope something can be done to help others who can not withstand what they are doing.
Company Response:
State: NC
Zip: 28570
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I took notice to inaccurate information on this account from XXXX, victoria secret. The first inaccuracy is that the account numbers are reporting differently on XXXX, XXXX and XXXX. This is already grounds for removal pursuant to the fair credit reporting act. The FCRA says that everything must be maintained with 100 % accuracy however, both XXXX and XXXX are reporting the account number [ XXXX ] while XXXX XXXX reporting this account number [ XXXX ]. This is only one account and it can not have to completely different account numbers. You now clearly have reason to believe that the information reported is inaccurate. I also included a screen for further evidence. The additional inaccuracy is that I was " late '' when I never was. This is tarnishing my reputation. This is violation of multiple federal laws set forth by Congress in regards to the above accounts. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, late payment status ), between the consumer ( myself ) and the person ( CREDITOR ) making the report. Pursuant to 15 USC 1681b This is my consumer instruction ; remove all late payments from each account and update the reporting to reflect current/paid as agreed never late. I request that you mail me a copy of the complete consumer file that you maintain concerning me and this account after you act on this dispute. Note, the term file means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file. If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information including the accounting records, the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ).
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: i bought a laptop to dell using dell credit card. i bought it online. i returned the item due defective item issues. I received a mail to make a payment from Comenidy back which is the financial company that dell use it. Dell thorough XXXX sent me a confirmation that the laptop was received, including the credit back to my account. I made several courtesy calls to both Dell and comenidy bank. Both companies told me that i should talk to the other party when i call them. Comenidy told me that they still not receive from Dell the conformation that i got credit back to my account when i returned the laptop. i still receiving mails of payment and now my credit score is going down because i am not paying the mails. The last call I made was to XXXX that is in the XXXX file.
Company Response:
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: XXXX switch to a new company to pay your balance. I had issues logging in called them and they claimed they fix it so I could pay via online. I havent received a bill but maybe once and the change happened months ago. So unable to log in I cant pay and they sent me a random text message that had me logged in but the payment was denied so I figured i would wait until next month pay that whole balance told XXXX that during a chat online. The new bank called Comenity Bank has been calling nonstop at least 5 times a day for XXXX dollars they will get next month if its more XXXX pay more. Why do these companies think XXXX harassed my customers calling from different numbers is ok its not its just makes my anxiety and XXXX as a XXXX veteran so much worst
Company Response:
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I did not authorize these hard inquires resulting in XXXX XXXX COMMENITY BANKXXXX XXXX XXXX please have these inquires removed from my account as possible
Company Response:
State: RI
Zip: 02860
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: 2023-11-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My payments are due on the XXXX of the month. I went online to make the payment today and it was XXXX. The bank that is handling the store credit card does not allow payments to be credited on today 's date or even allow you to make a payment after XXXX. I did not realize this and therefore will be charged a late fee and interest. I feel this is nefarious and misleading behavior by a credit card company/bank.
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A