Date Received: 2022-05-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In the past couple of months, someone opened 7 accounts under my name using my identity.
Company Response:
State: FL
Zip: 33971
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenitybank/wayfair closed on XX/XX/2021, they closed the account without any notice, I never signed anything and It was their decision and reported to my credit burou with a negative impact in my credit.
Company Response:
State: FL
Zip: 33178
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Called companies XXXX XXXX XXXX XXXX about incorrect information & fraudulent activity. Also called XXXX about incorrect information and fraudulent activity. Called Comenitycb/overstock about incorrect information and fraudulent activity. Called XXXX about this also. Placed a creditlock with XXXX. XXXX placed a fraud alert on my account.
Company Response:
State: MS
Zip: 39213
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
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. 15USC1681 Section 602 states I have the right to privacy. 15 USC1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit report as late for and purpose.
Company Response:
State: PA
Zip: 18301
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is the original message that was sent with first complaint. Then the complaint was closed with company providing not correct information and not replying to my complaint. " I have made a purchase but after 3.5 weeks, this purchase was returned. Before making a payment, I waited until the refund was posted and by the time refund posted, credit card company posted a late fee and interest charge. I have contacted them and explained what happened, they have removed the late fee and said they will remove the interest charge but they never did. The interest charge was {$21.00}. After contacting them again, they told me they refunded the interest charge but it was only {$0.00}. I told them the amount was incorrect, however I was told they refunded full amount of interest charge. It takes them 3-5 business days to reply, and by the time I was dealing with this issue, they charged me additional {$18.00} interest charge because I did not pay my bill in full. I tried contacting them, with no help. They told me they will keep adding additional interest until I pay my account in full. I owed nothing on my account except that {$21.00} interest charge and now it's up to {$40.00}. They will not work with me to resolve this issue. '' Here 's the response from the company : " The account terms are explained in the Credit Card Agreement. When payments aren't received, are made for less than the minimum required, or are received after the due date cutoff time, we'll assess a late fee to the account. In addition, we'll assess a finance charge or minimum interest charge any time the full balance in the regular revolving credit plan is not paid by the payment due date. On XX/XX/2022, we applied a courtesy late fee credit of {$30.00} along with the associated finance charge of {$0.00}. '' My feedback to that response. I have stated that you have refunded the late fee, and I am grateful for that, however when you said you refunded the finance charge, it was only {$0.00} and not {$21.00}. If you would have refunded the correct amount, I wouldn't be here, and while we were trying to resolve this, you have charged me additional {$18.00} interest, because I did not pay the initial interest charge. You knew we are trying to resolve this, why would you purposefully charge me additional interested on top of the previous interest? I also closed my account over a month ago.
Company Response:
State: PA
Zip: 16823
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX Comenity CapitalXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, OH XXXX did a hard inquiries on my credit report. I did not apply for any credit through this company. I called and they informed me that there was an application however the address didn't match mine. They said that they would contact the credit agency however the inquiry is still on my report
Company Response:
State: VA
Zip: 23669
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I got a solicited letter from Comenity Bank for a balance transfer to be done by XX/XX/2022. I went online and initiated that transfer of {$4400.00} on XX/XX/2022. Said allow up to 30 days for review and processing. It was approved and initiated on my statement with Comenity on XX/XX/2022. I kept getting statements from XXXX showing no pay off. Went to check my credit score which went down approx XXXX or more points over this. Now I am accruing more interest and my credit score has been affected. Called Comenity to be told it is a know issue sorry and we can stop the request if you like. How is this legal or allowed??
Company Response:
State: MD
Zip: 21222
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: 2022-05-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: New york company credit card store and and XXXX closed my accounts
Company Response:
State: FL
Zip: 33178
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There appears to be several actions of fraud on my credit history report over the last couple months. The specific actions that are incorrect and fraudulent include : XX/XX/XXXX : New Inquiry XXXX XXXX XX/XX/XXXX XXXX New Account ( opened as of XX/XX/XXXX with an initial balance of {$780.00} ) XXXX XXXX XX/XX/XXXX : New Address Updated address to : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX : New Inquiry COMENITYBANKXXXX None of these actions were taken by myself and all are fraudulent. My credit score has since dropped by XXXX points from XXXX as of XX/XX/XXXX to XXXX as of XX/XX/XXXX.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My account recently changed from XXXX to this company. Recently I noticed that I had a negative balance for my rewards. I have not had any returns or credit to my account so I don't know how a negative balance can even happen. On XX/XX/2022 I contacted the company via their secure message center to find out what was going on. On XX/XX/2022 they responded and said I needed to call customer service. On XX/XX/2022 I responded and said for my protection I want all correspondence to be done in writing. On XX/XX/2022 they responded and requested I call again. I responded and told them I would find ways to file complaints and we can go that way because I want the protection of the information in writing. I don't want someone to lie to me on the phone. This sort of behavior seems really unethical by the company. What are they trying to hide that they don't want to put the answer in writing? Are they doing something wrong? Illegal? Do then not want to admit that they stole my rewards and gave me a negative balance in writing because they know that I am entitled to those? Are they just like most large companies where they try to take advantage of low customer. I think we need some answers her and for the company to address this unethical behavior. It seems the company doesn't want to use the secure message center they have on their site. For that reason, I request that the company contact me in writing either by my email or by the regular mail. I've attempted to use their system and they have shown the inability to answer the issue that way, so to ensure I get a response, I have giving two reasonable options for the company in contacting me.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A