Date Received: 2022-06-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Company is using repeated robocalls. I have had a total of 11 calls in total today starting from XXXX on a Sunday. This is beyond harassment.
Company Response:
State: CT
Zip: 06451
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: COMENITY BANK CONTINUES TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT WHICH IS CREATING HAVOC! MY ACCOUNT SCORE HAS ONLY CONTINUED TO DROP SINCE THIS BANK TOOK OVER SEVERAL CREDIT CARDS AND REPORTED THEM ALL INACCURATLY. THE LATEST REPORT ON XXXX REPORTED MY XXXX ACCOUNT AS CLOSED AND WITH BALANCE. THIS ACCOUNT IS OPEN CURRENT AND WITH A XXXX DOLLAR BALANCE.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX Credit card through Comenity Bank fraudulently opened up in my name within past 30 days and sent to my previous address. This is the XXXX fraudulently opened or attempted card in my name within the past 3 months. I called the company and they closed it.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On Saturday XX/XX/2022, I received notification from XXXX XXXX that my IKEA credit card was closed. I called into IKEA customer service and spoke with three representatives. The first representative I spoke to I had to get an analysis on the line and speak with them to find the reason behind my card being closed. The reason she said my card was closed was due to inactivity. She said that on the bank side that my card was scheduled to be closed on XX/XX/XXXX of 2022 if a purchase was not made. I told the representative that I just made a purchase on my IKEA card on XX/XX/XXXX of 2022 so how can my card be closed due to inactivity. I also informed the representative that I did not receive any notification at all not via email not via regular mail not via phone call or text message that my account was up for closure due to inactivity. She was unable to give me an answer and told me to reapply for a card. I told her I did not wish to reapply because 1. The company closing my card has already negatively impacted my credit report and 2. If I reapply it will be a hard inquiry into my credit report and that will also drop my score. She told me that there was nothing that she was able to do but she can escalate the situation to her supervisor. So I spoke with her supervisor who agree with me that no notification was sent to me at all from the bank and that my account should not have been closed because I made that purchase in XXXX of 2022. She's unsure of why my account was closed and told me that the only thing she can do is escalate the situation further. So I spoke with XXXX XXXX XXXXXXXX who told me that the only thing I'm able to do is to write into the bank explaining the situation and see what happens from there. I believe is extremely unfair that my account was closed. It has negatively affected my credit score and there was no reason for the account closure. I did not receive any notification that the account was going to be closed due to an activity but regardless of that fact I did make a purchase and XX/XX/2022 which should have offset the account closure of XX/XX/2022. I will be writing a letter into the company but I feel the need to make this complaint as well.
Company Response:
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: calling during my work hours i really feel like they wear harassing me caused me to go into XXXX for a while i feel i should accommodated
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy your company is governed by the rules of the Gramm Leach Bliley Act. The Gramm Leach Bliley Act provides that consumers of their right to opt-out if they dont want their information shared with certain nonaffiliated third parties such as credit reporting agencies. Nonpublic information is any information such as name, address etc and/or about an individual from a transaction involving payment history, loan, account number, Therefore I am demanding you, your company and affiliates stop the infringing on my right to privacy.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been called XXXX times per day for multiple days from multiple different numbers associated with the same company. Commenity Bank.
Company Response:
State: MO
Zip: 63122
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I gave the company a date when payment would be made and they continue to call over 10 times a day to get payment. I am trying to work and can't have my phone constantly ringing from this company trying to get a payment when I already told them when that payment would be made. Today I have had 12 missed calls since XXXX and it's only XX/XX/XXXX. I don't appreciate the harassment and disregard for people trying to earn a living during these times.
Company Response:
State: NM
Zip: 87123
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: calling during my work hours i really feel like they wear harassing me caused me to go into XXXX for a while i feel i should accommodated
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: To Whom It May Concern : I have attempted to reach Comenity Bank for the last 7 months to dispute the way several accounts are reporting to the credit bureaus XXXX, XXXX, and XXXX. Additionally, I have requested validation of the debts, over the last 7 months, and each month Comenity reports to the bureaus that the debts are reporting correctly. Surprisingly, Comenity is reporting different information, to each bureau, that it is confirming as correct. I called Comenity Bank and attempted to speak with a customer service representative about the importance of reporting the first date of delinquency correctly, as that determines when the debt will be removed from my credit file. The representative said, We dont have that information. How can you accurately report something to the credit bureaus if you dont have the information? The FCRA requires that a lender that refers an account for collection and notifies a credit reporting agency about this should report the debt 's date of first delinquency to the agency within 90 days. This date of delinquency is the month and year the consumer 's delinquency resulting in the referral began.
Company Response:
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A