Date Received: 2023-11-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have been trying to remove this account from my consumer report as I do not want to share my nonpublic financial information. In addition, this company has been changing the account number and furnishing it to the consumer reporting agencies every month which is a clear violation of the Fair Credit Reporting Act. I have attached exhibits to prove my claim. The actual account number is XXXX. Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a in regards with this account. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802 of the stated account. Comenity bank can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. In Comenity bank terms and conditions they agreed not to share my information with non affiliates. Consumer reporting agencies are not an affiliate of Comenity bank nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. Comenity bank must refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { {$1.00} } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
Company Response:
State: PA
Zip: 18201
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX, I purchased a new XXXX XXXX through it's site and was approved for 12 month interest free financing. In late XX/XX/XXXX, I received notice from XXXX XXXX that it would be transferring its financing responsibilities to Comenity Capital Bank and that I would be receiving a " Welcome Letter '' sometime in XXXX and that XXXX XXXX would be unavailable to obtain any information for several days while the transitioning was happening. I waited for weeks waiting to receive the information needed to make my last payment obligation. I was eager to make last payment. There was no need for tried to contact XXXX about the lack of communication, but was told that they could not provide any information about my account since the records were no longer with them. I was assured that I would receive the new information from Comenity Capital Bank. On XX/XX/XXXX, I called and spoke to Comenity Capital who acknowledged that my last payment was {$25.00}, which I paid over the phone, but I also was advised that since they had not received the last payment prior to it's due date I was in default and they were demanding that I pay them {$350.00} plus cents, since they were tacking on the interest. I explained I had not received any written communications from Comenity Capital Bank, that I have no information regarding the new account number needed to set up the online account and or to make payment. I discovered they didn't even have the correct spelling of my last name ( it wasn't even close ). I explained that I have no late payment history to speak of with the previous XXXX XXXX and that the payment was due during the time the transitioning from XXXX to Comenity in the month of XX/XX/XXXX. I spoke with a supervisor who indicated that it wasn't their problem, I asked to speak to someone in management. The supervisor said she would place me on hold in the interim, she then hung up the phone. After over XXXX hours, I had to start all over again. I finally spoke to a representative who indicated that they couldn't provide me my account number, but was willing to take my payment of {$25.00} in order to pay off the account. He also stated that I was the XXXX customer that day that was experiencing the same issue - no written communication, no contact information to make payment, and now was in default and being forced to pay {$350.00} of interest. I was assured that he was elevating the issue and not to worry about the interest in default, he stated this to me 3 times. He also stated he was initiating the Welcome Letter that contained the account number and that I would have it within 7 days. As of today 's date of XX/XX/XXXX, I have not received the Welcome Letter as promised or any other type of written communication other than a survey via my email address. I just learned that Comenity didn't even have my last name spelled correctly, not even close to the correct spelling. Chances are that's the reason I haven't received anything at all in writing, But I'm at fault for not having the information needed to make contact with XXXXComenity Capital Bank . THIS IS WRONG AND DECEITFUL AND I AM STILL IN LIMBO AND POSSIBLY COULD BE FACING LATE FEES AND WHATEVER ELSE THEY WANT TO THROW AT ME, BECAUSE THEY REFUSE TO PROVIDE WRITTEN COMMUNICATION AND THE NEEDED ACCOUNT INFORMATION. THEY WERE TRANSITIONING XXXX XXXX AND COMENITY BANK, NOT ME.
Company Response:
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My credit card payment is due the XXXX so I submitted a bill pay on the XXXX and the money was withdrawn from my account on the XXXX and electronically sent to the credit card company. They did not process the payment until the XXXX and charged a {$41.00} late fee. They refuse to reverse the late fee since the credit card account is closed and they say their system will not allow it.
Company Response:
State: MO
Zip: 63010
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I would like all of my unauthorized inquires, my derogatory remarks, late payments, and closed accounts removed. Many of these accounts fall under statute of limitations or are misreporting on my credit report. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 and The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2091 ( 2010 ). 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2, it also states a consumer reporting agency can not furnish accounts without my written instructions. 15 U.S.C 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 U.S.C $ 1681c-, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after date of receipt. Please apply any of these laws to my accounts : The Fair Debit Collection practices ACT Law 111-203, Title X, 124 STAT. 2092 ( 2010 ). Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 ( FCRA ). Account Name : XXXX Date Filled : XX/XX/XXXX Type of Account : Installment/Auto Loan Reason : I would like all of my unauthorized inquires, my derogatory remarks, late payments, and closed accounts removed. Many of these accounts fall under statute of limitations or are misreporting on my credit report. Account Name : XXXX XXXX Date Filled : XX/XX/XXXX Type of Account : Collection Reason : I would like all of my unauthorized inquires, my derogatory remarks, late payments, and closed accounts removed. Many of these accounts fall under statute of limitations or are misreporting on my credit report. Account Name : XXXX ( Original Creditor : XXXX XXXX ) Date Filled : XX/XX/XXXX Type of Account : Collection Reason : I would like all of my unauthorized inquires, my derogatory remarks, late payments, and closed accounts removed. Many of these accounts fall under statute of limitations or are misreporting on my credit report. Account Name : XXXX Date Filled : XX/XX/XXXX Type of Account : Charge account Reason : I would like all of my unauthorized inquires, my derogatory remarks, late payments, and closed accounts removed. Many of these accounts fall under statute of limitations or are misreporting on my credit report. Account Name : XXXX XXXX Date Filled : XX/XX/XXXX Type of Account : XXXX XXXX XXXX Reason : I would like all of my unauthorized inquires, my derogatory remarks, late payments, and closed accounts removed. Many of these accounts fall under statute of limitations or are misreporting on my credit report. Please remove any inquiries and all unauthorized inquiries from my report as I have no knowledge of ever filling any of these inquiries or giving anyone, company, or corporation permission to report anything to my report or was privity to any of these filings. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I didn't sign up for a credit card with this company but they somehow got my info and signed me up anyways.
Company Response:
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 SECTION 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response:
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I purchased a XXXX XXXX through XXXX XXXX in XX/XX/2022. The first year has a XXXX percent interest. In XXXX, I received notice that XXXX XXXX was being purchased by Comenity. I attempted to login to pay off the balance of the bill to avoid the interest for the previous year. The dfs.dell.com website said the accounts were transferred to Comenity 's web site, and I would need to register and set up the account. I receive my statements electronically, but instead of an actual document, it's a link to the XXXX credit website. Comenity does not let me log in, does not accept the XXXX account number, and will not provide the account number through phone verification. Until the very end of XXXX, there did not appear to be any contact information for addressing the account issue. When I logged in again XX/XX/XXXX, a phone number was provided on the login page. The pre-recorded message stated that my account number is on my most recent statement. The statement that I did not receive. After connecting with a customer service agent, I was told the $ XXXX interest was added, but a dispute could be filed because I had no way to log into the account and pay off the balance. The customer service rep took what should have been the final payment of {$2200.00} and said she submitted a dispute for the additional interest that was charged. She also stated that my account number would be mailed out. I received the dispute letter the following week. However, I have yet to receive my account number. I contacted Comenity again today ( XXXX ). I was told it was sent out, and the {$700.00} is still on my account. I have no way to access historical statements through XXXX, or my current account in Comenity. I also do not feel I should be required to pay the $ XXXX in interest because I was not able to pay the balance due to the change of ownership of the account.
Company Response:
State: AZ
Zip: 85629
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Ive contacted XXXXXXXX XXXX several times over a year and was told my account had a status code issue preventing a customer service agent to reissue a card. Ive been told many occasions my issue was escalated to a supervisor and I should receive a card within XXXX days or XXXX days. Ive received letters stating my card cant be issued for the supposed account status issue. The special department that handles this type of issue has yet to resolve lifting the status code issue on my account and issuing a new card that I can use. I keep getting told I have no other issues with my account which is not true. Ive tried to use my account in the actual retail store and had cashiers call XXXX XXXX Bank customer service line to obtain my account number using my ID that has ALL MY CORRECT INFORMATION on the account which still declines my transaction. Ive been unable to use my credit line since theyve had a system switch last year 2022. No one has further information other than I can make a formal complaint with the special department directly in writing which doesnt make sense when this is the same department that supposedly is working on my issue for 12 months.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I got an email from XXXX on ( XX/XX/23 ) welcoming me. I initially thought it was just spam. Then I received a notification on my XXXX credit file about an inquiry from comenity XXXX Thankfully, I pay for a fraud service through XXXX. They assisted me in the cancelation of the application. However, I want to make a formal complaint.
Company Response:
State: WA
Zip: 98597
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX, I received an email from XXXX from OPM.GOV stating : XXXX has identified a change in your credit information. This could be the result of a new inquiry, line of credit or a change to an existing account. Upon investigation, I discovered a CREDIT INQUIRY from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This appears to be an application to open a credit card account that I did not authorize. I called XXXX at a number found online : XXXX and filed a fraud claim. I spoke with XXXX in the Fraud Department and she indicated that it was applied online using my SSN, my DOB, and a previous address. She is going to turn down this credit application and notify the credit bureaus. This inquiry needs to be removed from my credit reports.
Company Response:
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A