Date Received: 2022-05-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 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. XXXX and XX/XX/XXXX also XXXX and XX/XX/XXXX shows late payments when there are on time payments prior to and after those month.
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: An individual user made six purchases on a website called XXXX under the name XXXX XXXX on XX/XX/22, using my XXXX XXXX issued via Comenity Bank. Total amount charged was {$590.00}. I spoke with the credit card company who then flagged the purchases, closed out the card and issued me a new one. In addition, I went to my local police department, XXXX, Ma to report the fraud.
Company Response:
State: MA
Zip: 02150
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, the listed account has violated my rights. COMENITYBANK/VICTORIA, acct # XXXX 15 USC 1681 Section 602 : States that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states that 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 and consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 95838
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Over 10 phone calls on XX/XX/2022 alone. This amount of calls has been going on for weeks. I have not answered because I dont want the XXXX to start over. I have not received a letter to validate this debt either.
Company Response:
State: IA
Zip: 526XX
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is in regards to Comenity Bank, XXXX XXXX XXXX, XXXX Ohio XXXX. Comentity charged interest even though I paid balance in full each time postmarked 9 days before due date. They charged interest when they processed my early payment 16 days after it was postmarked. I can not be responsible if Comenity processes it grossly late or the XXXX XXXX delivers it grossly late. What am I supposed to do? Mail all my payments a month ahead of time? They refused to refund the interest and the late charges are all because I did not pay the unjust interest. Comenity is engaging in unfair business practices. My full payment of the bill was postmarked XX/XX/21 but they did not process it til XX/XX/21. They refused to refund the interest and they are charging late fees each month for not paying interest that was unjustly charged. They need to refund my entire balance which is just interest and late fees. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Company Response:
State: NC
Zip: 28803
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
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: Opened the account XX/XX/XXXX. On XX/XX/XXXX I paid XXXX to Comedity Bank/Victorias Secret . The payment was processed on XXXX XXXX. On XX/XX/XXXX I received a secure message stating my credit limit was being reduced to {$100.00} from {$200.00}. I called and asked why and she said because i was late on payments last year. I told her i havent been late and kept a low balance since XXXX.she agreed. On XX/XX/XXXX XXXX reported they dropped my limited and reported i had a balance of {$44.00}. This dropped my score. Is this legal because im building my credit.
Company Response:
State: IN
Zip: 46220
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Issued check payment to Comenity Bank on XX/XX/22 through my XXXX XXXXXXXX XXXX XXXX XXXX. On XX/XX/22 I was assessed a late fee of {$30.00} and on XX/XX/22. I was never alerted of these charges until I saw them on a month invoiced. I repaid the original amount as well as the finance charges to avoid being charged further penalties. I furnished to Comenity Bank proof of a good faith effort to send payment in time and they are trying to pocket the {$32.00} in finance charges that they have no right to. Theyre saying I have to prove they received the payment which is ludicrous. They could have dropped it behind a filing cabinet somewhere. I paid what I owed and showed that I sent the original payment with plenty of time to spare and the minute I learned they didnt receive it I paid it again. I want the finance charges back. They have no right to it. They are also reporting this to credit bureaus.
Company Response:
State: PA
Zip: 15102
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act 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 a 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: TX
Zip: 76106
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I had received an IKEA credit card, through Comenity Bank at the end of last year or beginning of this. After using it a couple of months it was blocked and I could not use it anymore. No phone call and no explanation whatsoever. A couple of months later I received a letter from them telling me there are some security issues with both my IKEA card and XXXX XXXX ( also of course issued through Comenity bank ) in which they requested me to send a copy of my driver 's licens, SS card, and a utility statement. I called them and spoke with someone in Fraudulent department ( something like that ) and told the person I spoke with that I don't feel comfortable sending them that information either through mail or email and that I rather close the accounts. She said they could not close them due to the security issue. I called a few weeks later again, around XX/XX/22, to inquire about the situation. I asked them again to close the accounts and to send the over {$800.00} that I have in credit at the IKEA card Again they said they could not send me the money or close the account due to the security issue. When I spoke with them again I told them I'd file complaints about them. A couple of hours later I got a phone message from " XXXX at Comenity Bank '' who told me my issue came across his desk and that he was going to try to get me my money. It's 10 days ago and I have still not seen the money or heard anything about closure of my accounts. Also, whenever I ask about the security issue, they are not able to tell me exactly what kind of security issue. Usually when a credit card bank have security issues, they will have me call them and verify I, the owner of the card, is purchasing a particular item. Or they will call me. Or text or email me. But never ever have I had a bank block two of my credit cards " due to security issues '' they can not explain. I haven't done anything wrong. I have paid my bill on time and never reached over the limit. On the other hand, I think the reason for blocking my account is because I overused it to take advantage of the 5 % rebate we got for using the IKEA credit card and buying a kitchen. I got a few XXXX dollars back and I paid off the card right away. I don't think they liked that. I even think they blocked the set of gift cards I received since I was not able to use them. I'm getting the runaround and can not either close my cards or get my money.
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I discovered that a credit card had been opened in XXXX of 2017 using my information. I did not apply or receive any card. Aside from the above issue, my credit report has a negative issue concerning this fraudulent card. There is no outstanding debt on it ; There is a {$250.00} limit, none of which has been used. Despite this, a negative mark is on my credit report.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A