Date Received: 2022-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had called in 2018 to speak with someone about this debt. This credit card is a store card in which I never opened. I could never fit in the clothes that they sell. It's a plus size store and I am only a size XXXX. They told me that I had no choice but to pay it. I had made a payment of XXXX dollars just to get it off my report because they said they would do a pay to delete. They took my money and it is still reading as charge off and not updated to paid at least because it was never deleted.
Company Response:
State: MA
Zip: 01420
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with non-monetary relief
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: Original purchase made in XXXX, when I signed up for said credit card. Never received said card in order to make online account to make payments. Sent the company an email about not receiving it, to which they did not respond. I called the company and was told if I made the payment that day, which I did, I would be at a zero balance ( in XXXX of 2022 ). Have had to waste time in calling this credit card company, every month, because I receive further late fees and balances even after being told I was paid in full. Called again XX/XX/2022 and was told the account was paid in full. I then asked to have the account closed as well. I am now being charged additional late fees, every month, on an account that was paid in full, XX/XX/2022. Called the company today, XX/XX/2022, and was told it's being sent to collections and they can not remove the fees, even though I've been informed twice it was either a {$0.00} balance or paid in full. ***Attached screenshot from original email complaining I never initially received the credit card that was applied for.
Company Response:
State: NY
Zip: 136XX
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: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: The mailing address information was changed on my account without my request. I contacted customer service several times and was advised that they received a power of attorney to change my mailing address. I spoke to a supervisor and requested a copy of the power of attorney letter they received and was told it would be mailed to me, however, I just received a letter without the proof that was used to change the address. Everyone including the supervisor is saying the same but they have not provided me with any documentation they received. I feel that some fraud is going on and this is very frustrating.
Company Response:
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: XX/XX/2022 open a loan and said deliquescent in report
Company Response:
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports, it is fraudulent to have reported the account in question without my written consent. Please provide evidence of such or remove the item in question.
Company Response:
State: NC
Zip: 28570
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
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: XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) a U.S. government agency Dear CFPB, I have been directed by the XXXX credit reporting agency to contact this agency and ask for resolutions. Before anything Would like to briefly explain what did happen and why I missed one payment. Last year in XX/XX/XXXX my sister was XXXX from XX/XX/XXXX, and she passed away before the year-end in XX/XX/XXXX, and I admit, that was the reason I missed one payment and totally forgot about it, but I kept paying my regular payment on time as usual, till I got alert from XXXX reporting late, but never got notification from the bank that I had missing a payment, I did write to the bank and explain my sister was sick and passed away, and I totally forgot about one payment.. they said we cant do anything, but to dispute it with XXXX, which I did but I got no result and keep disputing ever since and getting no result to this day! since I have been disputing a negative derogatory credit report by the Comenity Bank regarding my account, and so far, have made several disputes with XXXX credit reporting agency, but only getting the runaround by the Comenity Bank to the point that they have put a note on their system, to ignore my phone calls and would not respond to any facts or document which I have sent to them to prove that I had called in and make my payments on time each and every time. To explain what is going on! I can give heads up on what this bank is all about? At the time of Covid -19 bank closing Government shutdown, all credit Card Agencies did have financial relief programs, when I called this bank and asked how I can get some relief assistance, I was told by the bank operator in order to qualify for a hardship program, he said to me, I must not pay at least 2 payments and wait after 60-days then apply for hardship, which I will provide you a copy of my payments history to your attention for reference, that all I am saying is documented. This bank knows what they are doing, they have a plan that if someone misses a payment, the bank will not let the cardholder know that payment is missing? And keep reporting the cardholder to the credit agency as Being late for consecutive months which is not true! Even though they keep receiving regular monthly payments every month on time, they apply the payment to the previous month, this way they can pretend that the client has been late for months, that way they can close the customers account, by this method they can make tax right off for the remain balanced to the Government. Thats the reason they like to impose their agenda hoping they get away with the falsification they produce, falsely indicating that the payment was not received on time. I would like to indicate that they have ruined my credit payment history which I had exceptionally on time record, and XXXX has closed my account because of a negative report and other creditors have reduced my credit limit as result! and if I dont get this dispute resolved soon enough my loan application can be in jeopardy! Please read the letters and documentation of my disputes, for better understanding for verification check XXXX XXXX XXXX calls with the date and the times of all the phone calls made to the bank 's phone number # XXXX but they still want to contradict the fact and destroy my credit for their own advantage. In the description letters, I have indicated that I was promised by the bank representative to pay the one missed payment and repay again the payment that they purposely forgot to process, with following next payment totaled {$180.00} then they would sponge the negative derogatory credit report. And write an apology letter so I can present it to the creditors. I do appreciate your mediate on this matter for resolution. With so much gratitude XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33173
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: COMENITY IS NOW REPORTING MY XXXX ACCOUNT WITH NO STATUS AND IT IS BEING OBSERVED AS A NEGATIVE ITEM ON MY CREDIT. THIS ACCOUNT IS OPEN AND CURRENT WITH MONTHS/YEARS OF A EXCELLENT TRADE LINE. ALL OTHER ISSUES REPORTED WITH THIS BANK ARE STILL NOT ADDRESSED
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I opened 24 month interest free promotional account for the purchase of appliances. I made minimum automatic payments which I thought would pay off the loan in 24 months but that wasn't the case. Also I did not receive my appliances until XXXX so I thought that is when the promotion began. Again that was not the case. So when I received a gigantic interest charge on my account in XXXX I called customer service to find out why. The customer service rep told me that if I pay off the principal by XX/XX/XXXX I would not incur any interest charges. I called XX/XX/XXXX ( today ) to pay off my principal. I spoke to XXXX who listened to the call between XXXX and I and she told me I was given misinformation. That I was lied too. So now I have 30 % interest on the original loan for 2 years that I can not pay. It is predatory behavior.
Company Response:
State: GA
Zip: 30075
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Checked my XXXX XXXX and seen that it had s collection that is not mine i have a letter of the correct person who is responsible for that account, collection, and debt. I have done a dispute
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
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: The Dentist and his assistant injured me and poisened me when they were doing the root canal on me and also failed to put the crown on correctly I disputed it with comenity Bank but they didn't care all they cared about is the fact that I authorized the work to be done and that it was a valid charge didn't care that I was injured and made very ill and faulty work was done on me bad service and faulty service mailpratice none of this mattered to them the dentist told them he would not agree to refund my account so he got away with injuring me and putting the crown on wrong causing further damage to the test of my teeth and jaw
Company Response:
State: WA
Zip: 99336
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A