Date Received: 2022-10-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have made a significant payment toward my balance. It is now less than {$100.00}. It has been very hard for months to just pay my bill and now After 8 calls, a representative told me that they have an issue with the system and I'd have to ask a supervisor or someone of the sort to send a letter to the credit bureaus to force the update. I am trying to get this information properly updated so that my credit report will be accurate. I have attached a screenshot of what is reflected and the last time that they reported accurate information to the credit bureaus.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2022 A letter from Comenity Capital Bank came about a Vacation Club Credit account. I have never applied for this account and never authorized XXXX to issue a hard inquiry on my credit reports. I'm not even sure how they got my info. This is horrible business practice and FRAUD.
Company Response:
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX, has violated my rights ; 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Violation of TILA 15 U.S. Code 1666 ( b ) Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose If you are unable to provide me with a copy of the verifiable proof, you must also update and/or remove the information listed above. Additionally, failure to respond satisfactorily with a free copy of my report after the changes have been made will result in the above actions being taken against your company in small claim state proceedings ; I will also be seeking monetary relief of {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent infliction of Emotional Distress 3. ) Violations of 15 U.S.C 1666 ( b ) & 15 U.S.C 1681
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a XXXX credit card that I did not apply for. I also received a bill for transactions of {$450.00} and $ XXXX XXXX XXXX in New Jersey on XX/XX/2022. I did not make these purchases. I called the phone number on the bill and the lady told me to report this. I found cfpb site when I search online for fraud. The name is spelled wrong on the bill but the address is mine. So this is where we are.
Company Response:
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: New Jersey law is as clear as day. Credit card companies are not allowed to have middle of the day deadlines to make payments. This and many other institutions have cutoff times of XXXX which clearly go against the states policy. Yet when confronted with it they give full of hot air XXXX answers. I paid my balance in full at XXXX which is after I got home from work. I informed them about the law and the basically scoff at it like Im a a moron. They hire people that dont understand or research the law. They dont have anyone intelligent get back to you. Ive been charged this fee at least 5 times. I do not care about their policy. New Jersey law is clear. I live on a budget with a XXXX XXXX. I pay my bills especially credit cards on the due date to make sure I have money for her needs. Im tired of this company and their ignorance. And yes after multiple attempts to make them understand I reacted less than acceptable.
Company Response:
State: NJ
Zip: 08865
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Comenity Bank has not updated current credit balance and payments information since XX/XX/2022, and this is negatively impacting my credit reports and scores. They have also not provided the contracted rewards amounts on these cards since XX/XX/2022. I have asked the company to correct these issues. My email and their response is pasted below. The company claims that a " planned upgrade '', which was not announced in advance to its customers and prevented viewing of account information, ability to view and pay bills, and any contact with its representatives for several weeks, continues to impact their ability to provide current information to credit bureaus. I believe this is an unfair and possibly illegal business and credit reporting practice. My credit scores and utilization amounts have been negatively impacted for over three months. From : Comenity Bank Sent : Friday, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX To : You Subject : Re : Credit Bureau Reporting Message ID : XXXX I ' m with Comenity Bank, which handles your Visa account. This card is issued by Comenity Bank pursuant to a license from XXXX XXXXXXXX XXXX. I'm here to help with your account needs. Please accept our apologies for any inconvenience you've experienced. I can appreciate your credit report is important to you. Because of a recent system upgrade, we have chosen not to report account updates to credit bureaus at this time, Rest assured, this is our top priority. We expect to provide an update to the credit reporting agencies within two billing cycles. We report your account status to the credit bureaus every 30 days. Please allow up to 45 calendar days for the credit bureaus to update your credit information. If you have any questions, please click the reply button. Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, My credit reports are showing that you have not reported my payments in the past three months. XXXX XXXX account shows a {$970.00} balance due when the actual balance due is {$0.00}. This is negatively affecting my credit utilization rating. Please correct this error immediately. Thank you, XXXX XXXX
Company Response:
State: PA
Zip: 17011
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XXXX, XXXX and XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 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. Please check payment history, date open, last activity and Status of XXXX XXXX COMENITY BANK/AVENUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CB/AVENUE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe it was reporting in error.
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I got a text message on XX/XX/XXXX from the Comenity Fraud dept to verify a XXXX XXXX XXXX purchase for {$360.00}. I had not seen this text, but I did try to use the card earlier in the day and it was declined. Because I wasn't comfortable responding to the text that was sent to me, I tried calling the number on the back of the card, I was not able to get through and the call was disconnected. I tried many more times since XX/XX/XXXX and I still can not get through after waiting more than 20 minutes per call. I was able to go online and submit a help ticket/complaint, but I haven't gotten a response. I currently have a credit of {$520.00} on my card and at this point I just want to close the account and get my money back. Is this something you can help with?
Company Response:
State: OH
Zip: 44035
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: This complaint is an addendum to the complaint of XX/XX/22. Comenity Bank continues to fail to address my complaints. They have not reported by credit information to the credit bureaus for more than 45 days. Their rewards program continues to stay broken. Update : they have reduced my outstanding rewards by half. I continue to be unable to redeem any rewards. This bank is operating like a shoddy organization now going on 5 months. I don't understand how they can fail to address issues for actual MONTHS and get away with it. This bank is a failed bank. As of today I can not log in and I can not recover my login and create a new password. I am locked out of their website. Thank you XXXX XXXX
Company Response:
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX this account, has violated my rights. 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A