Date Received: 2023-11-08
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: My identity was stolen- my car was broken into and my wallet that contain my ssn and id was stolen. almost a year later two credit cards was open and started being reported as charge off to CRA. The original creditors are Comenity bank. I disputed the account with the original creditor and the CRAs multiple time. I made them aware that this account was open with out my consent and I provided the identity theft report filed with the FTC. Both accounts are being reported as charge account and one account was sold to XXXX XXXX XXXX and now being reported as a collection. I file a dispute requesting validation and did not receive any proof that the account was mine. The name and address on the account is incorrect.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
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 U S C 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 REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I would like to submit a complaint against : XXXX and Comenity Capital Bank ( which is part of Bread Financial ) to remove the additional interest they are trying to charge : {$490.00}, as I only agree to pay the remaining of the balance : {$840.00} ( {$1200.00} [ total purchase price ] - {$370.00} [ I already paid ] ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I have purchased a computer from XXXX for {$1200.00} on credit/loan with XXXX XXXX XXXX ( simply to improve my credit score ). I have signed up for a {$150.00} fixed payment amount each month and got a confirmation over an email. With auto-pay setup - I assumed it will be paid on time and I honestly do not recall such outrageous " deal '' where if the loan is not paid in 1 year - all the interest from that year will be charged at once. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This seems like intentional fraud where auto-pay system is either not working or they changed it to minimal payment amounts so that it would run over 1 year, so that I end up owning them all this interest, not to mention- they hide these outrageous conditions on the 3rd page of the statement, written with small blue hard to see letters. I do not recall such conditions when I was purchasing the computer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Statement from Spring XXXX ( this is all I got and yes it shows minimum payment due, not the auto-pay amount I setup, so I was under assumption the auto-pay system would charge my account $ 150 monthly ) XXXX XXXX XXXX XXXX - Same XXXX XXXX downloaded this Fall, XXXX ( now it shows all the details, including the conditions on 3rd page, small blue letters ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I decline to pay all this interest ( {$490.00} ) as this is obviously made to trick people/rip them off. 1 ) I have setup {$150.00} fixed monthly payment and got a confirmation, which they either changed without my consent or something was broken in their system and this is not my fault : XXXX XXXX XXXXXXXX 2 ) I do not recall such outrageous conditions, they never appear on the very first statement from XXXX XXXX XXXX XXXX After all, these conditions don't matter much as with the {$150.00} fixed payment I have setup initially - I would not be in this situation in the first place. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please assist. Such companies/banks should not exist and people who run them should be in jail.
Company Response:
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have XXXX accounts with Comenity Bank ( Victoria Secret and XXXX ) that I have paid off and closed. The XXXX accounts are still showing on my credit report. I have tried to call to speak with someone and I am either never able to get through or get any resolutions.
Company Response:
State: AK
Zip: 997XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I noticed that I have hard inquiries on my credit report is affecting my credit score, I did not authorize these inquiries and request them to be removed off my credit report immediately. thanks
Company Response:
State: CA
Zip: 90046
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: 2023-11-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am being billed on a account that paid off.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I got a letter in the mail about a credit card I was supposedly applying for, but I havent been. After running a credit report check, I actually noticed several accounts that were not mine. I immediately contacted the companies ( Sephora & XXXX ) to close any accounts & dispute all charges. I spoke to XXXX in Sephoras account protection division on XX/XX/XXXX, in order to close that account. No documents were requested by the company, but I did ask for a confirmation letter stating that this account was not opened by me & that I would not be responsible for any charges made to it. I was told that I would receive that letter in the mail within 14 days. Today, XXXX emailed to let me know that Sephoras investigation is closed and they claim it is my account. It is not my account, nor are any of the three others that have been opened or tried to open in my name. Im not sure how much of an investigation was done, but I was not contacted again for any further information. I was only asked to verify personal information & if I had shopped at the store before.
Company Response:
State: NC
Zip: 281XX
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: 2023-11-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I spoke with a customer service representative she was unable to provide me supporting documentation that the account belong to me nor was she able to provide detailed information of the original creditor. I informed her this account was not my account and requested it to be removed from my consumer file immediate, its been well over 45 days no response from the collection company or the credit bureaus.
Company Response:
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX the address associated with my account was changed without my consent or knowledge and without verification ( presumably my online login as well as I cant get into my account online either ). Then from what I have been told there were no less than XXXX charges of {$1.00} or under before I finally get a fraud notice on XXXX, to which i replied that i didnt do those charges as I dont think Ive used this card in at least a month. I call in XXXX ( been really busy as I was recently in a bad collision with a drunk driver ) to try and pay my bill/ review statement and find all this out and that the new card was sent to someone elses address which was probably the whole time and on top of that they want to charge me {$9.00} to pay my bill by phone since icant get into online.
Company Response:
State: NY
Zip: 144XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Comenity Capital placed a hard inquiry for what appears to be a Sephora account. I did not sign up for anything at Sephora, nor did I apply for a card. This inquiry happened on XX/XX/XXXX XXXX XXXX
Company Response:
State: OH
Zip: 44113
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A