Date Received: 2022-05-05
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 had a store card with Comenity bank/Victoria Secret . I was doing payments on time till I lost my job but the only balance left over was XXXX dollars so I thought if I paid it off it will close the account. Years later I was told in 2020 that it was sold to XXXX XXXX XXXX. XXXX never showed up in my report or even got update at all for comenity bank that it was sold to them. In 2020 I paid off the balance over to XXXX XXXX which their policy was they delete the whole account if they are report to the credit company but it never did and now Im not able to delete this account because it wasnt rightfully updated like it shouldve and still shows that I never paid it off. This is really hurting me because its considered a charged off and I have sent the credit companys proof of everything, the store company and lender they sold it too how I paid everything off and should be deleted but the credit company are not bulging at all
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I don't know who this company is, or who they are trying to reach, but I have told them repeatedly that they have the wrong number, and to stop calling me. They still continue to call me daily, multiple times a day. After I blocked their number, they started calling from a restricted number. This is harassment.
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
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: IL
Zip: 60462
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened the XXXX credit card through the app. I was able to make purchase online without receiving the card. Several weeks went by and I never received the card. I called and let them know. They closed the account which dinged my credit and then sent me another one. On the phone that day I paid the full balance. Today XXXX I received a notification from XXXX XXXX that my credit went down XXXX points!! I freaked out and found out there was a random {$90.00} balance. I called XXXX and they removed the late fees and I paid the balance so that this was taken care of. I asked speak to a manager and was never transferred. I had an XXXX XXXX XXXX and have never had a late payment. Please help me with this, I am so upset.
Company Response:
State: TX
Zip: 78717
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: 2022-05-04
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: This company has yet to send me a validation of debt letter, please send me information showing that I signed for anything, provide me with proof that you have my identification with opening up this debt, please provide me with any payments that was received with your company, Also please provide me with all information showing what was given to open up this account, PROVIDE ME WITH MY SIGNATURE ON OPENING THIS ACCOUNT ASAP
Company Response:
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I recently closed a CD prior to maturity. On XX/XX/2022, the net amount of {$25000.00} was transferred to my savings account. I've asked for a reconciliation of the amount transferred and my request ( via both phone and message ) has thus far been ignored. More specifically, I've asked the following : Can I get a reconciliation of how this CD closure net amount was computed? Beginning Balance + Accrued Interest - Penalty Interest = Ending Balance {$25000.00} + Accrued Interest - Penalty Interest = {$25000.00} Accrued Interest =??? Penalty Interest =??? Is anyone there???
Company Response:
State: MA
Zip: 01824
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: After a long ordeal of refiancing my home, my husband and I was able to pay off all of our consumer debit, including Comenity/ XXXX XXXX XXXX XXXX Mastercard Credit Card XXXX or so I thought. The statement due XX/XX/2022 said that the balance, in full, was {$11000.00}. We were not due to close on our re-fi until XX/XX/2022, so I made a payment {$370.00} on XX/XX/2022, so that I could reduce my balance, avoid late fees, and keep my credit score good, so as not to affect our closing. The next statement, due XX/XX/2022, stated that the balance was {$11000.00}. Due to our lender obtaining amounts prior to me making a payment, they used the XXXX balance to write the pay-off check, in the amount of {$11000.00}. This was {$120.00}, over what the XXXX statement said was due. After closing, the pay-off check was received by us on XX/XX/2022 and immediately mailed to Comenity. Comenity received the check and posted it on XX/XX/2022. This was 9 days BEFORE the due date, so the payment was not late. It was my expectation, based on their own writing, in the bottom section of my statement, under the heading " Paying Interest. ", which states, " Your due date is at least 25 days after the close of each billing cycle. WE WILL NOT CHARGE YOU INTEREST ON PURCHASES IF YOU PAY YOUR BALANCE BY THE DUE DATE EACH MONTH ... '' that my balance would be paid in full and that I would have a {$120.00} credit on my account. As such I made two small purchases in the amounts of {$15.00} and {$20.00}, which still should have left a credit of {$92.00}. However, the next statement due XX/XX/2022, didn't show a credit, but said that I owed {$120.00}. They claimed it was " residual interest ''. When I challenged them, based on their own writing, they couldn't refute that the statement clearly says that they wouldn't charge interest. Instead they tried to gaslight me by saying that I should have paid it by the due date. When I pointed out that it was not only paid by the due date, but paid almost 10 days in advance, with an overpayment of the actual balance, they refused to refund my account. I sent messages through the online messaging and spoke with three different people, all the way up to the accounting department. They just kept rehearsing the same script about " residual intererst '' and refused to make the correction. I, even, requested a detailed accounting of the formula they use to compute interest and was told that it would be mailed to me, but of course, it never was. Furthermore, after reviewing my account and awards, I realize that their math has been fuzing in how they calculate my cashback awards, and that my awards balance should have been higher.
Company Response:
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I got 6 credit alerts of new inquiries that i never made. XX/XX/XXXX on XXXX XX/XX/XXXX on XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX bank And on XX/XX/XXXX i got a call from a XXXX XXXX representative notifying me that someone tried to purchase something in person using a picture ID with my name. I dont know if they made any purchases yet, thats what im trying to see and make the report to avoid any transactions from this stores and future transactions too.
Company Response:
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I went to Comenity 's website https : //d.comenity.net/ac/playstationvisa/public/home on XX/XX/31 and signed up for the XXXX XXXX card and was instantly approved. I waited for card and it was wrong card type. The card that came was just the normal XXXX XXXX. I have called on multiple occasions only to be redirected to the fraud dispute process. Comenity has promised call backs and has made no attempt to rectify this. Now unless I am wrong this is illegal under 12 C.F.R 226.12 as this is a different card type.
Company Response:
State: AK
Zip: 99645
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX XXXX, I opened a build.com credit card ( Comenity Capital Bank ) with XXXX to purchase appliances. I purchased a refrigerator/freezer set in XXXX XXXX ( from XXXX and charged it to my build.com credit card ( {$5200.00} total : each item {$2600.00} ). In XX/XX/XXXX I received notification my units were shipping. Only one unit came and it came with a big gash in the side. I refused delivery. I contacted XXXX and was told the set was discontinued ; therefore, I requested to refund both items since part of the set was damaged and now discontinued I couldn't get the matching pair like I ordered ; I also said to make sure my card was zeroed out before any payments were past due ( I was assured they would be ). I received two emails confirming refunds of each item ( one email on XX/XX/XXXX and XXXX email on XX/XX/XXXX ). In XXXX I received a collection call from Comenity Bank about a late payment. I told them both items were supposed to be refunded back to the card so no payments should be due. Apparently only one item ( {$2600.00} ) was refunded back to the card when I called in XXXX. I contacted XXXX about the issue of only item being refunded. XXXX then refunded the other item to the card ( end of XXXX- a month after I requested the refunds due to damaged/discontinued item ). In XXXX, Comenity Bank sent bill stating I still owed {$71.00} in fees. I contacted XXXX and Comenity Bank with no resolutions. On XX/XX/XXXX, Comenity Bank called again about a late payment. I told them I should never have had a payment for any late fees to be added to. They reduced the fees from {$71.00} to {$31.00}. I filed a dispute with Comenity Bank about the remaining {$31.00} because I should never have had any payments, fees, etc. because at his point, all I have is wasted time and frustration - no purchased items. So I am stuck with {$31.00} in fees because XXXX didn't refund both items in XXXX ( even though I have confirmation emails ). No other purchases have been made with this card ( before or after ). Note : I only saw one of the two units ( the one that came in damaged ). The second unit was never delivered to me nor did I get a delivery attempt. I never saw the second unit.
Company Response:
State: NC
Zip: 28358
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A