Date Received: 2022-08-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX, XXXX and XXXX l, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 2. Account Name : XXXX Account Number : XXXX XXXX XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1.00} XXXX per violation 3. Account Name : COMENITY BANK / XXXX Account Number : XXXX XXXX XXXX5 U.S.C 1 681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Sincerely, XXXX XXXX XXXX
Company Response:
State: MD
Zip: 20876
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. XXXX XXXX XXXX of XXXX Anne Taylor XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a late for and open end consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: my complaint is in regard to my account with the XXXX XXXX through Comenity Bank. They have been falsely reporting that I had a delinquent account with them since XXXX of 2022. I had made a payment in XXXX for the amount of my entire amount of the account of {$610.00}. i now had a XXXX balance. The company had charged me interest on my old balance, even though it was paid, and never notified me. Until XXXX of 2022 I had no knowledge of there being a balance on the account until I had had received a notification from credit Karma that my score had dropped XXXX points due to a delinquent account of XXXX days, and upon logging in and checking I found that it was comenity bank. when i called their customer service and spoke to them about my situation, it was determined that due to a billing and/or clerical error, i had not been responsible for the account delinquency, and that by XX/XX/XXXX of 2022 my account would be rectified, and returned to normal status as well as receiving a credit for the issue. I received the credit on XX/XX/XXXX as promised but saw no change to the reporting to the credit bureau. Knowing credit reporting changes take some time i did not fuss, and about a month later in XXXX of 2022 I decided to take advantage of the + {$200.00} credit I received and made a purchase of $ XXXX, and with the credits I received on the account, and with what is on my last statement, I should only owe {$220.00}, and my utilization of the card would be at 47 %. Literally the day after my purchase, and use of account credits, my credit limit was dropped on the account by {$250.00}! changing my utilization rate from 47 % to a credit damaging 97 %! this if an unfair business practice and fraudulent. upon seeing this I contacted them yet again and they told me all I can do is dispute it to the credit agency.
Company Response:
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX XXXX IS ATTEMPTING TO COLLECT ON AN ACCOUNT THAT WAS DISCHARGED IN A XXXX XXXX XXXX IN XXXX
Company Response:
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity has called me 8 times s In 6 hours this morning. XXXX XXXX has called me 5 times in 6 hours. Its ridiculous.
Company Response:
State: IN
Zip: 46368
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Payments and loan amount, payment dates, accounts last used information is incorrect and inconsistently reported on all credit reports.
Company Response:
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Please note that this is not a duplicate complaint. This is regarding a different issue Bread Savings bank failed to follow the instructions for doing an ACH transfer and they try to steal the interest for their own internal decision making a delays. They declined to do a wire transfer for me and their website does not allow outgoing ACH transfers over $ XXXX. The only option is to call them and " request '' for an outgoing transfer if the amount is over $ XXXX. So here is what happened on a recorded line on Friday XX/XX/XXXX. This request was handled by XXXX. I was told that it would take 1 to 2 business days for them to process my phone request and they may either allow or deny the transfer. If it is allowed it will take another few business days to then do the transfer and for the funds to reach the destination account. I told him very clearly at least a few times that I do not want to initiate the transfer today and I would like me request to be submitted for Monday XX/XX/XXXX ( I do not want to lose the interest over the weekend ). He said if he sets up he request for Monday, they will tell me by either Tue or Wed if they are going to allow that transfer or not and if allowed funds will reach my other on Friday. He confirmed and sent me a secure message saying that he is setting up the request so that they will start processing it on Monday XX/XX/XXXX and nothing will happen before that. I have attached a proof of that. But to my surprise, when I logged in into my account later on, I saw that the funds had already been deducted from the account a few minutes after the call and the Current Balance was showing the amount after the deduction even though XXXX had assured me repeatedly on a recorded line and over a secure message that nothing is going to happen before Monday XX/XX/XXXX. So the current situation is that I have received no communication about the status of the transfer, dont even know if they will approve it or not. They already rejected a request to do a wire transfer. But they have went already gone ahead deducted the amount from my current balance and stopped paying interest on that. So XXXX things wrong here - why does the deduction show up on XX/XX/XXXX itself when the request was for to not even initiate anything before XX/XX/XXXX- why they deduct the amount and stop paying interest when the customer doesnt even know that they are going to allow the ACH transfer or not This whole thing sounds like a scam
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Company Response:
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a Mastercard that I received when I went to XXXXXXXX XXXX XXXX and they offered a rewards program. I have been using my card and have had my payment automatically drafted from my account every month for 3 years - never a problem. I noticed during my online banking that my XX/XX/XXXX payment that was drafted was {$270.00} instead of the $ XXXX that I pay each month. I attempted to go online and figure out what was causing the problem, and after attempting to login several times without any luck, I tried calling the number on the back of my card. After entering my details, I received an autoreply that they could not speak with an authorized user. I am the account holder - not a user! As soon as the message was over the call was automatically disconnected. I started looking for other ways to contact Comenity ( they began processing payments several months ago and they've recently been taken over by Bread XXXX or possible changed their name to Bread XXXX ). I began doing some online research to see if there were other complaints from consumers, and there have been hundreds. This Comenity/Bread XXXX has been ruining consumers ' credit scores by reporting false information such as consumer hasn't made monthly payments, late payment fees being applied month after month when they're claiming consumers did not pay. It is IMPOSSIBLE to speak to a human about this critical problem and I'm terrified my credit score is going to be impacted this month. I assume the {$270.00} was possible late fees and not my automatic payment, but it's impossible to determine because Comenity 's online system is down and has been down for several weeks if not months, as reported by other consumers who have filed complaints against Comenity/Bread . I believe a class-action lawsuit has recently been filed against Bread XXXX and I am pursuing this course of action. I have done absolutely everything required by me to determine why my XXXX automatic payment was about {$200.00} less than my last monthly automatic drafts by going online to access my account to calling them directly to pay this credit card account, with absolutely ZERO success.
Company Response:
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was stolen since XX/XX/XXXX while I was stationed in XXXX XXXX in the XXXX. I left to XXXX XXXX back in XX/XX/XXXX with a credit score of XXXX. Multiple inquires and multiple credit cards ( XX/XX/XXXX ) were opened without my knowledge or approval due to someone acquiring my information. I had to find out 2 months just before I started to leave XXXX to go back to the USA that my Identity has been stolen and I can no longer purchase a house. These companies did not take time to verify or inform me that inquires were made and also credit cards were created. I'm now transferring bases and I have to deal with the headache of my credit score being so low that I can not purchase a home to live in while I work for the XXXX in XXXX. The actions of these companies and the person that stole my identity has destroyed my way of living and I am now in fear of my mental health. I have served a total of 10 years so far for the USA and I am now a victim of identity theft because credit card companies could not verify and give out my information and approve cards without confirmation. The credit companies listed helped destroy my credit and are responsible for my poor credit. COMENITYBANK/XXXX COMENITYBANK/KAY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A