Date Received: 2023-11-13
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: This morning at XXXX, I received a notification from XXXX XXXX that an inquiry was made in an attempt to open a credit card account in my name. I called XXXX ( XXXX ) XXXX and the fraud department verified that an attempt was made. XXXX provided me with the following information : New credit card or loan. Lender : ComenityCapital/SephoraV. Inquiry date : XX/XX/2023. Verification details : Business phone : ( XXXX ) XXXX Business name : Alliance Data. I disputed the inquiry with XXXX, and they recommended that I file a police report and a fraud claim with FTC. I called Alliance as well and they said the company was unable to provide me with details regarding the credit card application ; however, they did inform me that the application was rejected. Alliance fraud department recommended that I file a police report and send the report number to their department. Once received, I would be able to find out more details about the credit card application. I filed a police report with the XXXX, AZ Police department and waiting to hear back from regarding a complaint number.
Company Response:
State: AZ
Zip: 85382
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX/COMENITY/IKEAVC Account number XXXX Account type Credit card I had two marks on this account for 30 days past due. They occurred during XXXX, and I was not receiving a regular salary during the shutdown. I had been in contact with the company, and they said they understood and would work with me. I had paid off the account and requested that the two marks be cleared since I did communicate with the company when these events did occur, and secondly, I paid the account off. Mailed a XXXX letter to the company XXXXXXXX XXXX XXXX. I received a response from the company on XX/XX/2023 declining my request. I did not think this was fair, but I did not know what else I could do.
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Yesterday, I have a notice an inquiry to my name by a company name : Comenity Capital/SEPHOR XXXX I never apply to this company or I never hear of this company. I have frozen all 3 of my credit bureau. I also call XXXX and put a fraud alert on my report. XXXX told me I should make a fraud complain to CFPB, about this inquiry and the company.
Company Response:
State: TX
Zip: 79904
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: In accordance with the fair credit reporting act, 15 USC 1666b ( a ), A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted regional procedures designed to ensure that each periodic statement including the information required by section 1637 be of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. My rights were violated because I did not receive such notification
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Late payment on your credit report is a privacy violation. In accordance to fair credit reporting act 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 that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XXXX interest and fees are XXXX payed the account off and they took my credit limit form XXXX to XXXX that is not good business i paid off the XXXX balance and the fees were so high it ate my payment of XXXX
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
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 XXXXXXXX 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plans as late for and purpose.
Company Response:
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: My name is XXXX XXXX I live in XXXX. I was shopping at ULTA Beauty Store back in XX/XX/2023 when a sales associate asked me if I wanted to open a credit card and I mistakenly said yes and I should have read reviews first. I made a HUGE mistake signing up knowing that I'll never get the card and I never received it despite having the account number. My Account Number is XXXX They kept charging me and they DID close my account. I was checking my credit score yesterday and somehow it was showing {$130.00} for COMENITY/ULTA on my credit score which is a scam, I did NOT buy anything for {$130.00}, my account is closed. please dispute and remove this fraudulent charge from my bank account. Thanks, XXXX XXXX
Company Response:
State: TX
Zip: 75094
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I asked Comenity Bank XXXX XXXX XXXX XXXX for an explanation as to why when I paid the entire balance in full every month was I also being assessed interest fees. They said because the 12 month interest free account had rolling dates that required different payment dates which was shown in a separate section of the bill in small detail. However, when you add those amounts up- which I did every month- they added up to the full interest free amount I paid by the due date. In the fine print in a separate section of the bill it says that amount had to be paid by XX/XX/23 which was a month PRIOR to receiving the statement. The bill closing was XX/XX/23 - after the date in fine print- and the bill due date to avoid any interest fees was XX/XX/23 which I honored. Then in XXXX I paid the entire remaining balance to {$0.00} before the due date and received a bill for {$41.00} for interest due. So, on those three months statements ( XXXX, XXXX, XXXX ) despite paying the full amount required to avoid interest in advance of the payment due date on the statement I was charged interest of {$72.00} ( XXXX ), {$61.00} ( XXXX ) and {$41.00} ( XXXX ) for a total of {$170.00}. I asked XXXX the Comenity Bank service rep to refund these charges since I had paid the amount needed to avoid interest in full each month prior to bill due date. She declined because the fine print in the separate section of the bill said I would have had to make those payments BEFORE I ever received the bill. How would I do that? I believe this interest fee practice is at best misleading and at worst fraudulent. I believe it is designed to take advantage of consumers who believe they have paid their bills in full ( to receive interest free credit as promoted ) in order for the bank to generate additional bank revenue when in fact there has been no added expense or purchases. My request is for a full refund of the {$170.00} since I paid my bills in full or ahead of time every month upon receipt of my statement.
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Comenity Bank/VCTRSSEC Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX
Company Response:
State: MO
Zip: 65804
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A