Date Received: 2022-06-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Some one has open a bank account using my name and information on XX/XX/2020 they never sent me anything on this account I was unaware that it was open .it 's comenity bank in XXXX XXXX tried to get it them to take care of it but they have not made any attempts to contact me
Company Response:
State: FL
Zip: 32223
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I contacted COMINITY CAPITAL BANK in XX/XX/2022 requiring debt validation on an alleged debt & also a cease and desist. COMINTY CAPITAL BANK responded stating the alleged debt was valid and provided no proof. I again requested that COMENITY CAPITAL BANK provide proof of debt validation for the alleged debt to which they refused. COMINITY CAPITAL BANK has continued to send monthly bills requesting payment for the alleged debt in violation of the cease and desist they have on file therefore causing extreme stress in my life because im trying to pay a debt that i do not owe. this stress is trickling down to every part of my life and causing strain on my marriage. COMENITY CAPITAL BANK has been the cause for so much stress in my life and to make matters worse they illegally reported a late payment to the credit reporting agencies & refused to remove it unless i made the minimum payment on this debt that theyve failed to prove to be mine
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: FRCA violations : Failing to Follow Debt Dispute Procedures Unreasonable and innaccurate reporting to the credit bureaus. Furnishing and Reporting Inaccurate Information Creditors must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : reporting a debt as charged-off when you settled it or paid it in full, misstating the balance due, reporting late payments, listing me as a debtor on an account when I were only the authorized user, or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). 15 U.S. Code 1679c - Disclosures ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over XXXX years old. Bankruptcy information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within XXXX business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureaus reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact : The Public Reference Branch Federal Trade Commission XXXX XXXXXXXX XXXX. ( b ) Separate statement requirement The written statement required under this section shall be provided as a document which is separate from any written contract or other agreement between the credit repair organization and the consumer or any other written material provided to the consumer. ( c ) Retention of compliance records ( 1 ) In general The credit repair organization shall maintain a copy of the statement signed by the consumer acknowledging receipt of the statement. ( 2 ) Maintenance for 2 years The copy of any consumers statement shall be maintained in the organizations files for 2 years after the date on which the statement is signed by the consumer. ( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX. A, title XXXX, XXXX, XXXX XXXX, 1996, XXXX XXXX. XXXX. )
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/2022, I paid off the full balance of my credit card. I knew I would have some accrued interest that would still need to be paid when my statement cycled. I logged back into the credit card website on XX/XX/2022 and there was an interest charge of {$21.00} and I submitted a payment to bring the account to a zero balance. Today, I receive an email with a new statement showing I have a new balance of {$2.00} and this is due to a " minimum interest '' charge. If I have paid the balance, went back and paid the interest posted, do I have more interest due? Not only that but a " minimum amount '' to pay. How does anyone ever get the credit card balance to zero and stop accruing interest? I looked at the website today and see that the statement cycle says XX/XX/2022 but that was not reflected on the website on XX/XX/XXXX when I paid off the balance. Instead of a minimum interest charge, how about automatically waiving an interest balance under {$2.00} so the account can finally get to zero? It cost more for me to call them to dispute the charge, which I did and received credit for, than if they had just done it in the first place. But I guess another way to look at it, is all the people who just pay it and move on and how much more money they just made because of that. What a very UNFAIR practice and way to do business.
Company Response:
State: KS
Zip: 67217
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2022, I made a payment for the complete balance reflected on my billing statement of {$140.00} to my XXXX XXXX Credit Card. This payment was made when I got off work after XXXX. On XX/XX/2022, I called the company to close my account. During the process of closing the account, the automated system stated that I had a balance of approximately {$32.00}. I elected to speak with an agent to explain the amount being applied to my card. The agent I spoke with informed me that it was a late fee due to me paying after XXXX. I explained to the agent that there's nowhere on the statement where it list a deadline time, only a date in which the late fee would be applied if payment not made by that date. I read the paragraph to the agent verbatim. The agent then explains to me that there's a paragraph on the 2nd page ( which is the back of the statement ) listing the cutoff times ( which is in smaller print ). I informed the agent that at no time on the day of making the payment was I inclined to look at the back of the page because I was going off the information provided on the initial front page, which list the date payment is due, the amount of the balance, the breakdown of the charges and the late fee warning that states verbatim " If we do not receive your minimum payment by XX/XX/2022 you may have to pay up to a {$41.00} late fee. ". The only time that is mentioned on the initial front page is for mail in payments. I also informed the agent that even the 2nd ( back page ) with the cutoff times, does not have a late payment fee warning in it's paragraph. I was then transferred to a supervisor who only proceeded in debating with me on this issue.
Company Response:
State: NC
Zip: 28012
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have contacted Comenity Bank through XXXX. The last time I spoke with the customer care team was on XX/XX/2022 I spoke with XXXX badge number XXXX. I have spent several hours on the phone with various representatives from customer service including managers. XXXX and XXXX, were particularly rude and provided no help at all. In fact, they laughed at me when I explained that I the terms and conditions on credit application in which I signed stated I would pay 14.99 % interest rate for 36 months.This company has been charging me with 29.99 % interest for the past year and it was not brought to my attention until recently as my fiance was in charge of my bill for my household and this purchase was an engagement ring. The representatives filed 2 separate disputes after several hours on the phone and continued to tell me that the XXXX Store must have input the purchase wrong and there was nothing Comenity Bank would be able to do. I have gone back and forth between Comenity Bank and the XXXX Store. The XXXX Store has been more than helpful, in fact the last time I called the store XXXX was able to return and re-ring the purchase taking into account the amounts that I have paid with the correct interest and I paid the difference of the balance. So, I am now paid in full for the purchase of the ring with the appropriate interest. However, after the store communicated this to Comenity Bank, the bank is still refusing to update the account with the transaction at the store. Comenity Bank is trying to say that I owe them over a thousand dollars. I did file a motion with the State of Ohio and they directed me to you to file a complaint.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
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 ordered {$360.00} worth of products from XXXX on XX/XX/2021. I still have not received {$320.00} of the items. XXXX shipped my order which USPS showed as pending acceptance from XXXX. USPS is still showing the large order as pending acceptance from XXXX. I've filed a dispute with the comenity bank showing that the item has not been received to date. My dispute was denied as the vendor showed that the product was shipped. I filed a second dispute showing that the shipping number wasn't received and is still pending USPS. They responded almost immediately saying that they already reviewed and the dispute is denied.
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: XXXX Card closed in XXXX. XXXX sold account to Comenity Bank and I was unaware because they had the wrong address. I tried contacting several times to get an account number and change the address requesting a statement on XX/XX/XXXX it is now XXXX. I have yet to receive a statement so XXXX can setup my online payment. I dont have an issue paying it. I just want to see the account information with the new company and that is my consumer right. I made XXXX payment over the phone against my better judgment. XXXX XXXX Account : unknown Address : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : XXXX
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX Account XXXX XXXX, 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 an open-end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX account # XXXX, 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 an open-end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A