Date Received: 2022-05-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Im accordance with fair credit reporting act XXXX account # XXXX has violated my rights. 15 USC 1681 section 602 : states I have the right to my 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 mag not treat a payment on a credit card account and a open end consumer credit pla as late for any purpose
Company Response:
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The following late payments are billing errors pursuant to 15 USC 1666b XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I never got notice prior to this being reported.
Company Response:
State: MD
Zip: 20745
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The following late payments are billing errors pursuant to 15 USC 1666b XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is fraudulent to report this to my credit report, and I never got notice prior to them doing so. This is a billing error.
Company Response:
State: MD
Zip: 20745
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I ordered a sweater from XXXX on XX/XX/XXXX. Total purchase price was {$76.00}. I received the sweater on XX/XX/XXXX. The style was not what I expected, so I returned the sweater within a week. I waited for the return to be credited, but it never was. I finally called the customer service number on the back of my card on XX/XX/XXXX, and was credited the full {$76.00}. However, since it had taken XXXX so long to process my return ( I'm not sure they even would have had I not called ), they dinged me with a {$32.00} late-payment fee. I called and asked them to wave the fee. At first they refused. When I told them to cancel my card, the customer service agent stated that he would speak with a " retention specialist '' and put me on hold. When he returned to the line, he told me that the retention specialist had agreed to waive the late fee if I agreed not to cancel my card. I agreed to those terms and asked him specifically if my card balance was now XXXX. He affirmed that that was correct. On XX/XX/XXXX, I received a credit card statement from XXXX XXXX showing a balance due of {$73.00}. When I called to inquire about the charge, I was told that I was being charged the {$32.00} late fee from the previous month, plus an additional {$41.00} as an ADDITIONAL late fee, plus {$1.00} in interest. I explained what had transpired and how my balance was supposed to be XXXX. I refused to pay the {$73.00}. The agent I spoke with stated that she could waive only one of the late fees, IF I retained my credit card account, and that I would have to pay the balance. I reminded her that the situation was based on her company 's error, but all she would say was, " I apologize, '' and refused to waive the entire amount. I was not interested in being fooled again, so I asked her to cancel my credit card, which she did, without refunding me any of the bogus charges.
Company Response:
State: CA
Zip: 91104
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
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 payment on a credit card account under an + open end consumer credit plan as late for anv purpose. 42.5K
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have now been passed off to 6 different people concerning my XXXX XXXX credit card. Unannounced to me the credit card was sold off to a comenity bank. It was not until I went to pay for my account that I noticed it was gone from the dropdown menu. I called the number on the back of my XXXX credit card. The number rang to a CSR at this comenity bank and they explained the situation. I made whatever payment was asked of me at the time and was never informed the credit card was delinquent. It is from this point on that this account has continued to spiral downward!! The account has been locked out and the information being requested can be verified through the XXXX and credit bureau and yet I am being forced to send information about my new address. I have also learned that nobody can access my account at this comenity bank because it is locked out ( which makes no sense whatsoever to me that nobody can access this account to help resolve the issue ). I have learned the account is being reported delinquent and comenity bank says to speak to XXXX on this matter and XXXX says to speak to comenity bank on this matter. I am an elderly XXXX person who has worked hard all his life to maintain a near-perfect credit score to just have XXXX and this new bank comenity ruin it. The last CSR with which I spoke at comenity bank had such a condescending attitude even after I reported that I had the banking commissioner on the other line filing a complaint. I received NO information on this conversion which each bank blames the other for. With what is going on in the world today these banks should not be permitted to abuse the consumer in such a manner. I wish to get this resolved for I can not even make a payment on this account because I lack the needed information in which to do so. I am also going to make this same complaint under your credit card tab. I thank you in advance
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
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 have valid charges totaling {$120.00} with Comentity. I called to make a payment and ask for a {$29.00} fee reversal. I was advised they would credit {$15.00} and I gave them my account info to pay {$68.00} which included interest charges. I was advised the remaining full balance was approx. {$130.00}- they could not give me an exact amount. So I went online with my bank and XX/XX/XXXX {$130.00} was taken from my account. On XX/XX/XXXX {$130.00} was returned. When I called Comenity they said it was an incorrect account number, I asked them to reapply the payment. They said they would research it and sent me a letter and said not to pay the acct in the interim. Now my bill is {$190.00} and my credit reports are showing me past due. I just want to pay the {$120.00} and no more than one fee. This is unreasonable. You can not get thru to either Comenity bank phone number -- they tell you at each prompt, that you have reached an unworking number, you can only go into their pay by phone feature where they force you to say you can not pay zero, or you can not move forward in the system. This is UNETHICAL!
Company Response:
State: ID
Zip: 838XX
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
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: I have tried to dispute this account with Kay XXXX multiple times as it is not my account and is showing as closed - charge off
Company Response:
State: NJ
Zip: 08844
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I, the consumer, reached out for the second time to Comenity Capital Bank regarding a late fee of {$35.00} added to my consumer credit account ( see exhibits attached ). I mailed them a billing error letter, dated XX/XX/2022, letting them know that they are in direct violation of 15 U.S. Code 1666b and they need to remove the late payment from my consumer credit card account. ( see exhibit attached ). Comenity Capital Bank responded to my complaint stating they are unwilling to remove the late fee due to the terms explained in the credit card agreement. They also stated in their claim that they are required by law to report factual information to the credit reporting agencies. Comenity Capital Bank is in violation of 15 U.S. Code 1666d 15 U.S Code 1692j - Furnishing certain deceptive forms 15 U.S. Code 6821 ( a ) ( 2 ) - by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution ; 15 U.S Code 6823 ( a ) - In General, Whoever knowingly and intentionally violated, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both.
Company Response:
State: OH
Zip: 44857
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Last year I opened an account with XXXX XXXX and they use comenity bank I bought one item and I made my payments and they XXXX XXXX the last money order I sent out to them and charged me late fees and my credit took a XXXX point nosedive. They never fixed it and I paid whatever they asked just to make it stop because it was like digging at concrete with a plastic spoon. I got all that situated MONTHS ago Now suddenly they want to charge me XXXX, for a misposted payment that was a XXXX on their end. I never bought anything from them and now they're trying to steal my money. Now my credit will suffer yet again because of it being at XXXX until this point. The lady on the phone was just talking in circles and kept repeating the same thing and would not help me at all. She then proceeded to just end the conversation and hang up as I was talking
Company Response:
State: CT
Zip: 06010
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A