Date Received: 2022-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XX/XX/2018 Comenity Bank agreed to debt relief if I agreed not to pursue legal action against them for debt collection harassment. This was all done through my attorney at the Consumer Rights Law Firm. Comenity Bank has not removed this acct from my credit report.
Company Response:
State: CA
Zip: 95961
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: As a Federally Protected consumer a natural living man COMENITY BANK have violated my consumer rights to pravacy. Pusurant to 18 USC 1028A ( a ) ( 1 ) and 15 USC 1681g ( 11 ) Comenity Bank violated my consumer rights.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a hard inquiry on my credit report dated for XXXX XXXX for comenityBankXXXX and I have not applied for anything and I have not authorized this. No contact information has been reported by this creditor.
Company Response:
State: NY
Zip: 12603
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: 2022-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I repeatedly received voice messages from people identified as employees of the Comenity Bank regarding debt collection. According to their voice messages, it is about debt owed by another person that I do not know anything about. Based on my phone records, the most recent calls/voicemails they made to my number are on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022. The calls were shown to made from XXXX and XXXX, but the call back numbers they gave are respectively XXXX and XXXX.
Company Response:
State: IL
Zip: 60178
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have tried explaining to this creditor that I am not responsible for this balance and that it was charges made without my knowledge. They continue to state that I am still held accountable and obligated to pay the past due for {$2600.00}. The credit company name COMENITY BANK I have tried disputing it through that credit bureaus as well but they state that information matches so they can not remove it from my report. This defamation and fraudulent charges that I am apparently being held responsible for and it is not fair.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. In accordance with your credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies that are ordinarily invoked by such debt collector or creditor ; I have had an identity theft clause on my IRS record since 2011. I am not able to file taxes electronically, I do not understand how certain companies were able to apply for a loan for me when i signed no papers asking for this XXXX loan that is now currently bumped up to XXXX from a business starting with XXXX XXXX XXXX. Also Incorrect Information is on my report incorrectly showing accounts are stoill open. Accounts such as : XXXX, XXXXXXXX XXXX, XXXX XXXX where I was authorized user on someone's account that is no longer open is closed due to consumer 's request. Also these are the companies refusing to remove these things from my credit report COMENITYXXXXXXXX Dispute Dispute ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX Dispute Dispute ( XXXX ) XX/XX/XXXX XXXX Intervention Intervention ( XXXX ) XX/XX/XXXX have been trying diligently for years to recify this issue and I beleieve improper use of my credit report have been shared without my consent right along with credit inquires from unknown sources such as the approval of the XXXX account recently opened. My information has been misuused and distributed based on the fact of my identity theft i have had in place since 2011 with the IRS
Company Response:
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XXXX XX/XX/XXXX I paid online de full amount of {$150.00}. I received the online payment confirmation thanking me for the payment. With this transaction, I assumed that I had fulfilled my payment obligations, so I was quite because I had made the full payment, like it showed in the statement and in the online account. In fact I fulfilled my payment obligations. Curiously, I go to the credit card page online on XX/XX/XXXX of the present and I see that I had {$34.00} dollars charged for late payment, and that was showing on XX/XX/XXXX, two days after I had paid the amount of {$150.00} fully, they charged me late fees. Without thinking about it, I paid those XXXX dollars. Immediately I made a phone call to the agency asking them why I had these charges ; they apologized to me but didn't give an answer. It was on XXXX XX/XX/XXXX. After I called them again, but unsuccessful my attempt that when I paid, I paid the full amount according to the statement and I had not made any other purchase, nor did it appear on the statement, nor on the website, no other charge. Also The agency reported a missing payment to the Credit bureau on XXXX, but I had made the payment on XX/XX/XXXX. Why did they report that owed amount of {$34.00} on XXXX XX/XX/XXXX if I had already paid the total amount and it was after my phone call claiming them there was an error? Now I realize that those {$34.00} that they have been charging me are incorrect and even more so because they have affected my credit, that so much effort has cost to build, for no reason. That is why I humbly ask both agencies to investigate this error. I have the statement for XXXX and the payment confirmation for XX/XX/XXXX, as evidence. Also I don't have any available credit in my credit account. It is {$0.00} and I don't know why. I feel very mistreated as a consumer. Thank you very much in advance.
Company Response:
State: NV
Zip: 89118
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Comenity Bank is charging additional fees after an account is closed. I called and asked to cancel my account and to decrease the membership to {$55.00} on XX/XX/2022. The bank decreased my membership a month after, but never notified me about the remaining balance they just keep on adding additional charges. I got a call today XX/XX/2022 asking for payment in the amount of {$160.00}. Why are they adding fees when I asked to cancel my credit card. Bank waived {$40.00} fee only and keep all other fees. XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$40.00} XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$36.00} XX/XX/2022 MINIMUM INTEREST CHARGE {$2.00} XX/XX/2022 LATE FEE {$29.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX RETURN - {$55.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX PURCHASE {$110.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX RETURN {$0.00}
Company Response:
State: MA
Zip: 01803
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
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: Hi, I need help with disputing delinquency and late fees. I placed an order on the XXXX XXXX I was signing into after pay when it glitched, and the order went through and my XXXX XXXX card was charged, which is automatically the default method on XXXX XXXX. I immediately called explaining and tried to cancel as I dont have access to the card, or the account, but it wasnt do-able. So I was told my options were to pay a {$9.00} fee to pay over the phone, or return it. The person I spoke to told me to go in person as itd be much quicker to process the refund to my credit card. I placed the exact order again with afterpay, and brought my original order, which was charged accidentally to my XXXX XXXX XXXX, to the XXXX XXXX I visited the XXXX XXXX on XX/XX/XXXX ( if XXXX ) and thoroughly explained to the associate this whole story, I went during slow hours to ensure this was done correctly because it had been such as hassle and highly important to have fixed efficiently. I confirmed multiple times with the associate that she was refunding the correct order, being the first one placed obviously, the one I had to reorder another time, to a payment method that worked for me. I told the associate every detail. And its common sense to refund the first order when someone says I dont have access to the XXXX XXXX XXXX but since my app bugged and I couldnt cancel, I had to reorder it with after pay and thats why I came to the store with a car rental. But I still confirmed throughout the transaction that she was refunding the right one, because if she wasnt paying much attention she may have missed the fact that they were identical orders and the details I gave were important to listen to. Im sure if they actually investigated for me it would help, cameras are in the store, calls are recorded, and Ive been contacting them with all these details ever since the minute my incorrect order had been placed. This isnt my mistake, the lady confirmed with me that she knew which order to refund throughout the process. At the end, she confirmed with me that the XXXX XXXX XXXX order was refunded. I quite honestly didnt make any mistakes, Ive gone out of my way very much over this for months back and forth, driving hours to go back to the store with car rentals for no reason because I was told to. And hours and hours on the phone with no promised call backs or resolutions. Since the wrong order was refunded, and I dont have access to the account, its very bad. I even contacted XXXX, to confirm and they explained the right order # was refunded. I didnt have access to the account so I took this information and believed it. Then my credit score got very low and I reached out assuming there was an error in the system since I didnt even think she possibly couldve made a mistake with the conversation we had. As well as customer support telling me the right order was refunded as well. Months go by of me trying to get an answer, and someone finally told me the wrong order had been refunded. I have no problem paying {$45.00}, Ive spent over {$400.00} in a day with XXXX. My issue is XXXX XXXX associate made a mistake, as well as many customer support people I spoke with, and I need this removed from my credit report as I am responsible and shouldnt be penalized with a bad mark or late fees.
Company Response:
State: PA
Zip: 185XX
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Under the UCC, I have a right to request accounting. Please provide the original ledger and/or authenticated record for this alleged debt. Please provide the accounting or proof that you lent me anything. UCC 9-102 ( 7 ) states Authenticate '' means : ( A ) to sign ; or ( B ) with present intent to adopt or accept a record, to attach to or logically associate with the record an electronic sound, symbol, or process. UCC 9-102 ( 70 ) states Record '', except as used in " for record '', " of record '', " record or legal title '', and " record owner '', means information that is inscribed on a tangible medium or which is stored in an electronic or other medium and is retrievable in perceivable form. You are required to send all documentary evidence. 15 USC 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Please provide verification of the claim against me. This means a sworn affidavit or a hand signed invoice in accordance with the UCC. This debt is listed as a charge off on my consumer report. Please provide a 1099c for this alleged debt. The IRS says that charged off debt is ordinary reportable income to the alleged debtor. If you refuse to do this, I will file a 1099c complaint which would then initiate them to file a form 4681 as well as a 3949-A Corporate Tax Fraud complaint and contact you. Charge offs are not debt. You have also used my consumer report as a form of punishment and bringing harm to me by reporting this fraudulent account on my consumer report. That is aggravated identity theft. 18 USC 894 ( a ) ( 1 ) and 18 USC 894 ( a ) ( 2 ) states : Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. I have sent you a cease and desist letter as well. You continue to violate that federal law as well. You are still communicating indirectly through my consumer report. According to 15 USC 1692c you are prohibited from communicating with me. Please know that I have every intent to file suit if this is not resolved within 15 days. You have repeatedly violated my consumer rights. There is no law stating I have to send you a police report signed by a notary. Again, I will not hesitate to file a suit if you continue to break Federal Law and violate my rights.
Company Response:
State: MO
Zip: 64063
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A