Date Received: 2023-11-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have had this Community AAA Visa card for over a year and still can't register an online account to keep track and use features of my account. The problem is on their end. I provided the requested information.
Company Response:
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX switched to a new system? At least thats what i assume. I get a call and a letter from this new company telling me my account is going to be sent to court or somthing unless i make payments. Im in the XXXX so i explained and apologized originally to XXXX for being late. This new company called " comenity '' has claimed to take over the proccess. They called, asked when and how much i could " promise to pay '' communication with them is horrible, its absurdly hard to hear them, and understand them. I called back recently to try and get my account so if i do owe i can at least pay online. They claimed they cant give it to me? Im so confused im trying not to get scammed here, and more and more its seeming more like a scam. Im freaking out because the court thing or whatever.
Company Response:
State: WA
Zip: 98383
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: My husband, XXXX XXXX, and I were in XXXX XX/XX/XXXX and the condition for staying at a discounted fee at XXXX XXXX was attending a timeshare presentation. It was high pressure and it turns out we were given fraudulent information. We signed for a time share with XXXX credit cards opened for the down payment using my name, XXXX XXXX, and credit information. By the time we got back home I realized there was likely fraud and with XXXX and I tried to cancel the XXXX contract, which they refused, and I contacted all the credit cards ; XXXX, XXXX and Comenity Capital Bank to not follow through with the line of credit. XXXX and XXXX complied and Comenity Capital Bank sent me a letter saying that they hoped to do business in the future if I changed my mind but went ahead and opened the credit for {$16000.00} anyway. With fees at the time of charge off : {$17000.00} I contacted them many times by phone and mail with a copy of the letter, attached, that states that they regret not doing business with me but look forward to doing business with me in the future if I change my mind. They continued to call and send mail trying to collect the debt from me. Eventually they sold the " debt '' to XXXX XXXX XXXX XXXX who has been trying to collect since XXXX. Today I was served by the Sheriff with court papers here in XXXX XXXXXXXX XXXX I live full time in XXXX XXXX and pay taxes in XXXX XXXX and XXXX XXXX. I stay part time with no current lease in XXXX XXXX XXXX were I have a small non profit and am here sporadically and do have a Florida drivers license because I get discounted rates for my non profit but my main residence is in XXXX XXXX. In addition my husband has been notified that the XXXX timeshare is now under international investigation for fraud and we are party to it as victims of fraud. Comenity and XXXX put this on my credit report but when I reported this along with the letter I have attached here to the credit bureaus the negative report was rescinded and my credit score today is XXXX by XXXX.
Company Response:
State: VA
Zip: 22203
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to XXXX in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is COMENITYBANK with Account number XXXX. XXXX claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to XXXX seeking proof of this debt : XXXX XX/XX/2023, XX/XX/2023, XX/XX/2023, XXXX and XX/XX/2023. XXXX continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The XXXX with a balance of {$0.00}. 15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Company Response:
State: TX
Zip: 79423
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: In XXXX, I made a purchase from XXXX XXXX and opened an account with XXXX XXXX, then called XXXX XXXX XXXX. In XXXX, I received the first bill for the account and attempted to make payment online. I received an error saying I had to contact customer service. XXXX XXXX customer service told me that my XXXX credit account has been moved to another bank called Comenity Bank, and I should wait to receive a letter from Comenity bank on how to access my " XXXX XXXX account ''. After some time, I received a letter from Comenity bank with directions on how to access the new account on their website, but stated that the website will not be available until XX/XX/XXXX. I was away on a business trip during this week and returned on XX/XX/XXXX, which was also the payment due date. I was finally able to create the online account and make the payment, but it said that the payment would be processed the next business day, and the payment is late. I immediately contacted their customer service to explain the issue, and they told me that there would not be any late fee or penalty due to the account conversion. I waited two weeks and checked the Comenity website again and it showed that I was assessed a late fee on XX/XX/XXXX. The website also showed that there is an XX/XX/2023 statement with payment due in XXXX, but I never received this statement/bill either in the mail or in email. I contacted Comenity again to inquire why I am not receiving any bill, and the customer service representative told me that they do not send out a statement, I have to log in to the website to find the statement and just remember to do that every month. I asked how I can receive an email or text message alert when a new statement is available or when a payment is due, but again was told they don't offer any such alerts. I informed them that it is highly unusual and irregular for a bank or other credit/lending organization to have a revolving credit account but without sending out a monthly statement or alert that a payment is due. I believe that the failure to properly convert the account from XXXX to Comenity, which incurred late fees through no fault of my own, and potentially impacted my credit score, and Comenity 's refusal or inability to send a monthly statement, are both illegal.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting Act Comenity Capital BankXXXX XXXX, 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 218 15 USC 1666B : A creditor may not treat a payment on a credit card account under an XXXX XXXX open end consumer credit plan as late for purpose.
Company Response:
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting Act Comenity Capital BankXXXX XXXX , 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 218 15 USC 1666B : A creditor may not treat a payment on a credit card account under an Q 8 open end consumer credit plan as late for purpose.
Company Response:
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
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: I PURCHASED A RECHARGEABLE BATTERY FOR A RECLINER SOFA AT XXXX XXXX XXXX ON XX/XX/XXXX. IT DOESN'T WORK PROPERLY ( LOSES CHARGE QUICKLY ) I TALKED TO THE PERSON WHO SOLD IT TO ME AND HE TOLD ME THAT THE PROBLEM WOULD BE SOLVED. AND AS OF TODAY, XX/XX/XXXX, I HAVE NOT RECEIVED ANY RESPONSE FROM THEM. I DO NOT WANT A REPLACEMENT. I JUST WANT MY MONEY TO BE REFUNDED. Purchase Date : XX/XX/XXXX Sales order : XXXX Customer ID XXXX Store Phone Number : XXXX Sales Person : XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Sometime in XXXX of XXXX I was in XXXX and purchased a picture frame. The clerk was very convincingly trying to get me to open a XXXX credit card to get a discount on the frame. I never get talked into opening store credit cards. I only use two primary cardsXXXX and XXXX XXXX XXXX. But for some reason my judgment faltered and I allowed the clerk to issue me the credit card. I knew I would never use it and planned to destroy it when it came in the mail. I never got the credit card nor the bill for the frame. It was only XXXX and because it was such a small sum I forgot about it. About XXXX months later I started getting about XXXX calls a day from a No Caller ID. I didnt answer as I had been getting spam calls a lot but could block most of them. No one left a message for over a month but the calls were relentless and I finally had to turn off my phone. Finally a voice mail message was left and asked me to call Community Capital Bank but no other information. I researched the bank and concluded that it was spam as I had never heard of them. I got a couple more calls just like that which I ignored. In XXXX my XXXX was visiting me. He had my phone while I was in class and noticed that a No Called ID no kept ringing. He picked up the phone and he said they asked for me and he said I wasnt available. They told him to tell me that XXXX was calling me. That was all. No further information. Shortly after he left and the calls kept coming it finally dawned on me that this must be about the picture frame because I couldnt remember if I paid. I was certain I had not received a credit card. So, I called XXXX and spent hours trying to get them to help me. No one knew anything about my supposed account and finally after talking to XXXX or XXXX people I finally was transferred to someone who said she would help. I told her I was being harassed daily but had not received a bill and didnt even know how or what to pay. We confirmed my address and she said she would take care of it and for me to rest assured about that. I told her if I owed money to XXXX that I wanted to pay it right away. I have this email. The calls seemed to lessen a lot so I thought maybe they were taking care of it. But then they started up again and I got more voice mail messages to call the bank or something would be escalated. I tried on two occasions to call the bank. One time the phone just rang, and it was a strange sounding ring. The second time it answered with the sound of a fax machine. I still didnt know if this was to do with XXXX because XXXX was NEVER mentioned, only the Community Capital Bank . I then tried calling Community National Bank in Kansas and they had no information about me. Then I got a notice that my FICO score had dropped drastically. I joined the MYFICO site to get information because nothing was different with my bills/accounts. My FICO account showed that this Bank, which was not spelled Community Capital but Comenity Bank was responsible. The FICO representative suggested I call them which I did. I was pretty angry and spoke to a sarcastic lady and asked her to send me my bill. She said, so, you want to update your address? I said no Ive only had one address. I asked her where she had been mailing the bills and she wouldnt tell me. She told me to guess! I had been living overseas for the past 15 years so I told her unless it was an overseas address I could not fathom a guess. I had confirmed my address with XXXX so this was surprising to me that they had a different address. She never told me where they were sending my bills. After I received the bill it had gone from XXXX to XXXX. I called XXXX and after telling them the same long story they suggested I contact you. I wanted to pay it and get it over with but they thought considering all that happened it would be best to go this route. My primary concern is my FICO and credit scores. Please know that I would never try to avoid paying this bill and I would never want to destroy my credit for a {$35.00} picture frame!! No one would! I think this bank did a lot to contribute to this situation. Never checked to see if my address was correct. Never leaving a coherent message as to why they were calling. Harassing me to the point where I had to turn off my phone. It was all such a huge waste of time and energy. I do hope you will positively consider my claim and help me restore my credit rating. I look forward to hearing from you. Best regards, XXXX XXXX. I am attaching a copy of the emails I mentioned above. Please see that they did have a reference no. I contacted her again and did not receive a response. Dear XXXX, Thank you for contacting us! Your request has been forwarded by our internal team. Rest assured that this is now routed with the relevant team. If I may be of further assistance, please let me know. I'm here to help! Sincerely, XXXX XXXX XXXX XXXX ref : XXXX : ref Hello Rissalyn They continue to harass me calling XXXX times today. They finally left a voice message but didnt say what it was about, just that it was imperative that they speak with me today or something could impact me????! Can you please find out why they are calling. If I owe money to XXXX kindly advise or send me a bill so that I can pay it and hopefully these bank people will leave me alone. I can not block the call as there is no number to block. This has resulted in me having to keep my phone off at all times. Thank you. Im looking forward to resolving this as soon as possible. Sent from my XXXX
Company Response:
State: DC
Zip: 20007
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to XXXX in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX/COMENITY/ULTA with Account number XXXX. XXXX claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to XXXX seeking proof of this debt : XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXXXXXX continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The Account number is XXXX with a balance of {$81.00}. 15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Company Response:
State: TX
Zip: 79423
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A