Date Received: 2022-06-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I keep getting repeated calls from commenity bank and soon as you answer they hang up it happens all day long
Company Response:
State: NM
Zip: 88101
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Creditor Name COMENITYCAPITALXXXX Account number XXXX Date opened XX/XX/2020 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau.
Company Response:
State: AL
Zip: 367XX
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Comenity Capital Bank continues to lower my credit limit on my XXXX XXXX XXXX credit card. Every time I get my balance paid down by {$50.00} they lower the limit by that much. The letter they send states that it is due to my credit, however, my credit is better than when I opened the account, on the attached documents see from one letter dated XX/XX/2022 to the next dated XX/XX/2022 my score increased yet the letter states the limit decrease is due to a credit score decrease, this is not logical. I also have not given them authorization to run my credit again, so if they are actually running it to get this information this is an illegal practice. This lowering of my credit limit makes me have a maxed out card on my report which other creditors look down on when evaluating for new credit lines.
Company Response:
State: MO
Zip: 647XX
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: never applied for a credit card or have ever contacted this company who ran a credit check which shows on my credit report. Comenity capital XXXX XXXX XXXX XXXX, OH XXXX
Company Response:
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: As I have attempted to rectify this ordeal, and unsuccessful at doing so, as VS, CB, & CEO 's are not cooperating. There is a {$300.00} limit however they locked the card because of my attempt to ask questions that they are misleading on and shows {$0.00} is available. Victoria Secret, Commenity Bank and the CEO 's has suspended authorization for further use of the credit card, A violation of 15 USC 1602 ( p ). All while demanding payment, failing to disclose they are a debt collector per 15 USC 1692 E ( 11 ). I reserve all rights as the Consumer to enforce being treated fairly per 15 USC Chapter 41 subchapter V, without injury ( s ). The allege balance due are mostly fees and interest as they constantly violate my rights per 15 USC 1692f ( 1 ) and shut me down when I attempt to resolve this matter telling me I have no rights. I was told they are the 'original creditor ''. I have lost sleep because of this. This has cause mental anguish and the lost of many opportunities for my family that I now see a therapist for.
Company Response:
State: OH
Zip: 45042
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX COMENITYBANK/WAYFAIR XX/XX/XXXX XXXX
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Bank which services XXXX XXXX credit card is reporting a list of inaccurate information on my closed XXXX XXXX credit card account. I had filed a complaint with the XXXX about Comenity Bank reporting unauthorized accounts on my report which they had to remove. Immediately after, my XXXX XXXX account which had been closed since XXXX suddenly had a list of adverse information attached to it by Comenity and it was showing up as a 'recent bankruptcy. ' Ridiculous. The following adverse claims are currently showing up on XXXX, " potential late payment as of XX/XX/XXXX, account included in XXXX XXXX bankruptcy, dispute resolved consumer disagrees. '' XXXX is reporting, " Consumer disagrees after resolution. '' And my entire positive payment history has been deleted. XXXX is reporting, " XXXX XXXX bankruptcy, consumer disagrees after resolution. '' And the credit alert popped up and said, " New bankrtupcy '' on my credit, taking a huge amount of points off of my credit score. Until now I never had a reason to dispute that account, a dispute indicator was added when I had never disputed that account. And that the consumer disagrees with the resolution. Where did all this completely false information come from? It needs to be fixed immediately. This is preventing my family from applying for safer housing. It's completely unacceptable. I filed a XXXX Complaint against Comenity which they closed without my reply, and a XXXX Complaint against XXXX XXXX which they did not answer. I also now had to dispute the account with all three bureaus. This matter remains unresolved.
Company Response:
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone used my information and tried to open an account under my name. I disputed this and also filed a fraud report with the FTC.
Company Response:
State: NY
Zip: 11520
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/XXXX my wife and I attended a vacation timeshare presentation by XXXX in exchange for a free XXXX night stay at XXXX of their properties. We declined to purchase the timeshare options provided. They indicated they'd need our social security numbers to put us " into the system '' to get our gifts, and also to allow them to show us better deals ( to attempt to get us to change our mind ). I provided by social security number verbally and the employee punched my info into their XXXX. They left to their office and upon returning noted that we had excellent credit. Not having expected my credit to be pulled I inquired if this was a hard pull because I didn't want a credit inquiry on my record. They said no. They presented financing options which we declined. We signed one paper indicating that we declined all their offers and left. The next day I got an alert on my credit monitoring that said there was an inquiry. It turns out they did a hard pull without my authorization. A few days later I got another alert that a credit card from XXXX XXXX Comenity with a {$5000.00} credit line was opened in my name. I did not authorize any credit to be opened in my name. I contacted the company and they indicated there was nothing they could do. I was told that if I dispute the reports with the credit reporting agencies, XXXX will simply decline to respond. This should " resolve '' the issue because they will drop off of our report. They said this is their standard practice at the advice of their lawyer because they receive many such disputes on a regular basis. I asked for a copy of the documents with which I supposedly authorized this credit pull and credit account. They said they could not provide such a document. I have already disputed the inquiry ( with one agency ) as well as the account ( with all three ). The agency that has the inquiry has responded and indicated that because the pull did occur they can not remove it from my credit. However since this inquiry was made without my authorization it was in violation of the Fair Credit Reporting Act. ( In addition to this complaint I intend to pursue statutory damages under that act. ) The fact that they receive disputes regularly indicates they are knowingly continuing to perpetrate this fraud. Simply declining to respond to credit reporting agency disputes is not a satisfactory resolution.
Company Response:
State: CA
Zip: 92119
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I applied for a credit line increase with Zales XXXX Card through Community Bank. I was then called by a representative from Zales stating that they needed a bill from my current address. I immediately went to the US Post Office and mailed it to them. If you search this tracking number # XXXX usps.com you'll see they received the requested info on XX/XX/22. I called and someone told me that they were still reviewing it and someone will contact me when they get a chance. On XX/XX/XXXX I see my phone declined a call that came from Comenity bank. I called back and it was their collections department. the gentlemen couldn't figure out who called me and also confirmed that I had a {$0.00} balance with Comenity and couldn't confirm who exactly called me. So he transferred me over to another representative that basically stated that he couldn't tell either, I explained that I was in the process of trying to get a credit line increase to at least $ XXXX {$5000.00}. He said once they're done reviewing my account they'll call me. Today XX/XX/22 I received a letter stating that they can't increase my credit limit because they tried to reach me and wasn't able to. That's a lie I spoke to a presentative that stated that they need additional information. This bank is discriminating and I'll like for this to be noted.
Company Response:
State: IL
Zip: 60543
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A