Date Received: 2022-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Dear CFBP Team, XXXX XXXX XXXX XXXXXXXX sued me through XXXX, XXXX and XXXX aka XXXX XXXX XXXX XXXX for the account of Ann Taylor Mastercard/Comenity Bank ending XXXX for {$2700.00}. Matter # XXXX File for this case is # XXXXXXXX XXXX. They are not the original creditors but debt collectors. Please note I never seen the full chain of titles/complete bill of sales and review the statute of limitations.. In addtion, this is my third year of unemployment on and off. Ending sick and several debts. It was out of my control the changes of circunstances. Lost my car too by breakdown. I have seek legal assistant through XXXX for advice. They could represent me for a day. But since this was a long process of back and forth with the plaintiff I decided to negotitated. I feel it was a mistake. When I went to the court first citation XX/XX/XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Plaintiffl lawyer pulled me over and offered me a settlment of {$2300.00} amount to settled the account. It was pretty high for me since I am unemployed. Orignallly the balance was {$2700.00}. I told him I am not working at the present time, but decided to offer him {$900.00} to settled the account without looking at the full chain of titles and the statutes of limitations. He then told to send them the harship of unemployment document and to call themfor the settlement offer {$900.00}, for the office to review. I have sent this info via cerity mail. Then I have called them to follow up and when I spoke with the receptionist she was asking full amount. I told her that was not I spoke in court with plaintiff lawyer. XXXX then provided me an ext for a Manager. Once I have tranfered, I was sent to the VM. I have called several times but I was sent to the VM. I didnt heard since from them until I follow up on the second court citation XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX met the plaintiff lawyer again sayed the that office rejected the offer of {$900.00} and rejected the harship doc and they will accept the amount of {$2100.00} to settled the case. I accept the offer under my unemployment circunstance and several other debts on the side. SInce I am accepting the officer, I told the plaintiff lawyer I want to request in court Stipulation of Settlmenent Agreement. The judge gave me 30 days to pay this. In addtion, once the stipulaiton settlment agreement was reviewed in front of the judge I did request to add the account since was not there but the file # and making sure the deletion of AnnTaylor/Comenity ending XXXX is included. They gaved me 30 days. I have borrowed the money from my mother and sent them the settlement payment via Certify Mail using a XXXX Check. I have able to confirmed that they not only received the settlement payment check on XX/XX/XXXX at XXXX, but the check was immediatelly cashed after investigate with XXXX check cashing. As of today they did not remove this account from all my credit reports. They did not keep their word by court that they were going to delete this account from all my credit reports once the FINAL PAYMENT is received. That never happened. The account still reflecting in all my credit reports hurting my score. After all my sacrifices and efforts to solve this account., They did not keep their word by court that they were going to delete this account from all my credit reports after payment. I have also find out this is an expired an account. The creditor or debt collector can't sue a debtor to collect the debt. In addtion by the law I am exempt due to unemployment. Also in XX/XX/XXXX, XXXX. XXXX XXXX signed a new legislation to cut the statute of limitations from six years to three years. Technically this account passed the statute of limitations and should be delete it from all credit reports besided that this already been settled and in court request deletion of this account. Please see the enclosed proof of Stipulaiton of Settlement Agreement including court documents, tracking and copy of check for your review. It is putting in a position to file a bankrupcy as a final. This is the reason that I have no more choice but to report it to the FTC and CFPB. A banrupcy is in mind to erasing this through XXXX XXXX bankruptcy and starting again.
Company Response:
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I filed a police report on behalf of all the charges made on my credit : XXXX/COMENITY/FOREVER 21 Account number XXXX Account charged off. {$310.00} written off. {$100.00} past due as of XXXX XXXX. Account name XXXX Account number XXXX Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. Account name XXXX XXXX Account number XXXX Account charged off. {$910.00} written off. {$910.00} past due as of XXXX XXXX. Account name XXXX XXXX XXXX Account number XXXX XXXX $ I have tried to dispute these in the past but it seems that I need a police report and to file identity theft in order to get this take care off. It sucks when someone uses your credit before you get the chance to start your life.
Company Response:
State: RI
Zip: 02909
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Ive been getting repeated phone calls from comity bank for a credit card I applied for I was already taking the steps to pay them back but I get phone calls all day and night about this same debit Im tired of it
Company Response:
State: FL
Zip: 33584
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Please see the below attachment for all details and correspondence.
Company Response:
State: OR
Zip: 97756
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
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 that I have the right to privacy. 15 USC 1681 Section 604A 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: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
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. 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Accounts with XXXX XXXX XXXX account # ending in XXXX Shows a late payment in XXXX of XXXX. XXXX ( account # ending in XXXX ) has violated my rights. showing a late payment in XXXX of 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 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 consumer credit plan as late for any purpose
Company Response:
State: NY
Zip: 11411
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account has been paid and closed for several years. Contacted company to remove. Having this on my credit report has a negative impact on my credit report.
Company Response:
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
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 that I have the right to privacy. 15 USC 1681 Section 6024 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for and purpose.
Company Response:
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
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 credit cards that are closed and paid off and Im still trying to get them removed. I try not to pay someone because my funds are low but please help me remove all these old accounts.
Company Response:
State: NY
Zip: 10460
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A