Date Received: 2022-08-16
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: Have made several attempts to the 3 credit reporting agencies along with CCB/ XXXX XXXX to notify them that I have been a victim of identity theft by my ex-husband. They continue to claim that the information has been verified. How can it be verified if I have enclosed my Identity Theft Report. and my consumer report is still not accurate. For that reason I have been unable to refinance on my home per the Final Judgement of the Dissolution of Marriage deadline. I will also enclose of copy of the judgement as additional proof that my ex-husband has agreed to pay that account. Their blatant disregard to my request has caused me to have been denied of financing. I am now demanding that the CCBXXXX account XXXX be deleted IMMEDIATELY or I will have no choice but pursue litigation for the damages that has occurred to my livelihood. I am also requesting that all inquires be removed from my report IMMEDIATELY for I didn't provide written consent.
Company Response:
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been trying to contact someone for days regarding my CD. No one answers the phones ( I have waited an hour on hold ). No one answers messages on the website/app. I have been trying to contact the since my CD matured on XX/XX/11 and now I am afraid it will roll over. I tried to withdraw the money using their website, but it says that I can not.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
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: On XXXX my Victoria secret cards was accessed by a fraud person and they bought XXXX worth of product and had it shipped to Hawaii. I live in ga. I called Victoria secreXXXX who told me to call commity bank who owned the cc accounts. Commity bank and vs dont talk to each others and there system are not linked. I was bounced around and was finally told the fraud charge would be looked into and a complaint would be filed. XX/XX/15 I received a letter stating I closed my card which I did but I owes the money from The fraud charge. I called and waited on hold fo find out that they have a new system And can not access my account or any of my information! I was told to keep calling back every few weeks. How can a cc company not have a system thats works
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I simply want to have my Certificate of Deposit monthly Interest payments sent to the account I used to deposit the funds for the XXXX. There is no option to set that up when opening the XXXX. There is no option to do that online. I have sent messages through the app, but receive no response ( for as long as XXXX days to date ) and when contacting your customer service, I am on hold for XXXX minutes, then disconnected. You have my money, you need to also perform the basic tasks requested.
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
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: On XXXX received a text message from Comenity Bank Fraud Department asking if I would verify a transaction on my XXXX account of {$84.00} for XXXX XXXX . I replied I did not authorize this. They replied in a text message that they would call me to conform my account activity. I missed the call but tried to call back on the phone no. XXXX. I tried calling backbut keep getting a recorded message that they were getting many calls and to stay on the line which could be a XXXX wait. I have tried numerous times trying to get through to talk to a representative. I then checked my credit card account statement online and noticed another charge that I did not make of {$98.00} on my XXXX XXXX XXXX account to XXXX XXXX # XXXX which was made from XXXX which took place on XX/XX/22. I contacted the XXXX XXXX XXXX on XX/XX/22 to notify them that I did not make that purchase. I also contacted my local Police Department ( XXXX XXXX XXXX XXXX. in XXXX XXXX ) on XX/XX/22 about this matter and filed a police report. According to my online credit card statement Comenity Bank 's system wouldn't be back on until XX/XX/22. On XX/XX/22 I emailed a message to the Fraud Department of Comenity Bank because I couldn't get through on the phone. I received a reply saying " Please accept our apologies for any inconvenience you've experienced. Please call XXXX at your earliest convenience. '' I have tried many times tryng to get through but keep getting the same recorded message and no one answers. Unfortunately I ended up paying my bill. I also put a lock on my credit card. I also asked them to call me back in an email message. I also asked for a paper statement to be mailed to me. As of today no one has called. On XX/XX/22 I sent a letter to them by certified mail about this matter.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
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 name is XXXX XXXX and I made a XXXX XXXX payment through my bank to Comenity Bank/BJs credit card company in the amount of {$1100.00} for a bill due on XX/XX/2022. On XX/XX/2022 funds were debited from my checking account and payment in full was electronically sent to Comenity Bank on behalf of my account. Since XX/XX/2022, I have attempted to get this resolved as my statement showed the amount unpaid. I contacted Comenity and my bank- XXXX- on a dozen occasions to no avail. XXXX contacted Comenity 2 times and sent 2 faxes ( at the fax number supplied by a Comenity representative ) showing proof that payment of {$1100.00} was electronically sent and that Comenity received it. I can NEVER get through to Comenity only after waiting on hold for over an hour, each and every time. They now are charging me late fees, etc. and refuse to do anything to help. They are going to ruin my credit and I am out {$1100.00} plus. I always pay by bill in full. Last 4 digits of my account # is XXXX
Company Response:
State: FL
Zip: 34655
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is a response to the response from COMENITY CAPITAL BANK complaint ID # XXXX made by me the consumer in fact. Thank you for partially complying with my opt out request however, there still seems to be a misrepresentation regarding the matter. In your response to my initial complaint, you allege " a consumer has the right to opt out of some information, but the law permits consumer information sharing as may be necessary in order to conduct business for which the consumer does not have the ability to opt out. Please specify in detail how sharing my information to nonaffiliated third parties is necessary for you to conduct business? Notice Consumer reporting agencies has only assumed a vital role which was not granted to them by any governmental authority and there is no obligation for you to furnish on my consumer report. Not only do I specifically not consent for you to share my information to Consumer Reporting Agencies but I dont consent for you to share my Personal Identifiable information to any Nonaffiliated third party. Regardless of my request my information was exposed in a data breach whereas I have no knowledge of ever contracting with you and allege that this account and my information was involved in some form of misrepresentation. Pursuant to 16 CFR 313.3 Non affiliated party means anyone that isnt jointly employed by financial institution or directly or indirectly owned by you Pursuant to 16 CFR 313.3 Non public information includes personable identifiable information such as but not limited to Social Security Number, Address, Phone Number, Email, Age, XXXX, Weight, or any description derived from my personal identifiable information Pursuant to 16 CFR 313.79 ( 3 ) you must comply with a consumers directions to opt out within a reasonable time You are damaging me and causing me mental anguish whereas I have reason to believe you are intentionally causing me harm According to 12 CFR Section 1016.15 ( a ) ( 1 ) ( 1 ) you may disclose non public information with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction I clearly revoked any consent that may have given you the right to share my non public information and specifically gave detailed directions on how I do not consent for my personal identifiable information to shared. Notice how congress applies that you need the consent of the consumer first before introducing any other of the requirements. whereas you have partially fulfilled my request and claim that I do not have a right to choose to opt out of sharing my personable identifiable information to third parties. I dont recall ever obtaining a clear and conspicuous notice that accurately reflects your privacy policies and practices of sharing my identifiable information prior to any sharing of my information. If a clear and conspicuous notice that accurately reflects your privacy policies and practices with full disclosure was provided to me prior to any sharing of my information, please provide me with proof. Also please provided with proof that you provided me information that you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party and that I the consumer has the right to opt out of that disclosure and a reasonable mean by which I can exercise the opt out right as I dont recall ever being provided such vital information where in order to find out of such information I had to visit your parent company website and attempt to exercise my opt out right by the email provided where I received no response about the results of my opting out. It was until this Consumer Financial Complaint was filled XX/XX/2022 and you responded 23 days later XX/XX/2022 informing me that you have partial complied with my opt out directions which is not reasonable or practical as you received my initial opt out notice on XX/XX/2022 via USPS Certified Mail Number XXXX XX/XX/XXXX.
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have not been able to use my card since around XX/XX/2022. When I call the Customer Service number I am unable to speak to anyone. I am either on hold for an excessive amount of time ( over an hour then I hung up ) OR a recorded message reports a high call volume with extended wait times OR suggests that you call back at a later time due to a high call volume..
Company Response:
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I'm getting a steady stream of 'rejection letters ' from Comenity Bank of XXXX XXXX Ohio XXXX despite never once giving them permission to look into my credit let alone actually applying for credit with Comenity Bank XXXX I've contact them on many occasions over this matter and it has no where with them. This steady stream of unsolicited inquiries into my credit/ rejection letters has not hurting my credit history but also my repuation. I've contacted the Attorney General of XXXX the XXXX of XXXX twice/ the credit bureaus on many occasions/ and this third time I've contacted this department about this very same issue and has gotten nowhere
Company Response:
State: NC
Zip: 27896
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: this account was opened XX/XX/16 and the amount is unknown. i have called the company multiple timesand i have also filled a ftc report and contacted the police.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A