Date Received: 2022-08-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: HJR 192 72 10 USC 15 SEC. 1681 The goverment is responsible for all debts and I am the original creditor. All injuries against the living man are fileable for damages and remedy can be sought after via redress. I aslo attempted payment was made via 1099-A.
Company Response:
State: MI
Zip: 49444
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Since XX/XX/2002 I have been attempting to get a payment made to my XXXX XXXX XXXX card with Cometity Bank. Because of a missed payment ( my fault ) there phone payment, web site, easy payment and payment center send me to or tell me to use the phone in. NO ONE ANSWERS THE PHONE. HAVE SPENT HOURS OVER THE LAST WEEKS TRYING TO GET THROUGH. No one answers phone XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can't even get in to close the account. Good luck getting a hold of them.
Company Response:
State: NJ
Zip: 08332
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fruadulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account XXXX XXXX with an alleged Balance of {$0.00} was incurred due to fraudulent charges, which according to XXXX XXXX XXXX Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY.
Company Response:
State: CA
Zip: 93203
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
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: I processed a refund on XX/XX/22 and I never received the refund. I have reached out to the store and the credit card company. I have yet to have this issue resolved. I have provided the details of the receipt. I am being told that it was processed on the wrong card by the company and that it would take XXXX days to investigate. I am not sure as to why it was placed on the wrong card and as to why it would take XXXX days for an error made by the store? I was not aware that the company processed my refund to a different account. Not sure what happened but I need to have my money added back yo my card or a check to be issued to me in XXXX hours
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity Bank calls repeatedly during the day, 5 times or more, sometimes even back to back. They never leave a message. I acknowledge I am in the wrong and owe a payment, but the frequency of calls is harassment.
Company Response:
State: FL
Zip: 32025
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The companies involved issued my wife credit cards a decade ago or simply created these debts illegally. It is so long ago I have no idea if the amounts are correct. These were never my debts. My wife has paid off these cards years ago but the company is question created fake debts several years ago and I suspect they bought equally fake debts from another dishonest company. In this case not only did they assign me debts that were paid off that were never mine but they illegally reset the starting date for the debt to be within the last couple of years which is impossible.
Company Response:
State: TN
Zip: 37912
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 : States I have the right to privacy. 15 USC 1681 Section604 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 pan as late for any purpose.
Company Response:
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Please Read This : Credit card # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX not activated XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX call me I will give you my SS # Phone XXXX XXXX XXXX I am XXXX XXXX XXXX. On XX/XX/XXXX I was notified by the VP of workout anytime my membership was terminated. So, when the bill came, I contacted Comenity bank. I spoke to XXXX of their reps and sent them the email from XXXX XXXX. I said I am only going to pay XXXX dollars for what I owed. So, in XXXX they sent me a bill stating I owed them interest and a late fee because I paid it at XXXX XXXX I told the bank the XXXX does not end until midnight. They did not care and my credit dropped from XXXX to XXXX and that has XXXX me off. I have a complaint with the XXXX & a Law firm who has sued them successfully in XXXX. Any help I would appreciate if you return my credit score back to XXXX My office number is XXXX I am in Florida Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX XXXX Subject : Membership Good Morning XXXX XXXX After reviewing previous emails, survey responses, and speaking with gym staff, it has become obvious that we are unable to meet your needs with respect to our facility in XXXX XXXX XXXX Though we do our best to accommodate the goals and desires of our members, sometimes it's just not a match. When this occurs, we feel it's best to allow our members the opportunity to pursue their fitness goals elsewhere. To that end, your membership has been canceled and you will no longer be billed for services. There is no need to mail your key tag back ; it has been deactivated. We hope you find a facility and environment more to your liking XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32905
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I paid off a number of credit cards as a result of selling my home and buying a new one. My XXXX store card had a balance of {$610.00} and a payment of XXXX was received by the credit card company before the due date of XX/XX/27. I then had to pay an additional {$2.00} to close the account. The XXXX card is issued by Comenity Bank.
Company Response:
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Company Response:
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A