Date Received: 2022-04-22
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I am being hacked by someone who has at times sent phones to our home impersonating our carrier XXXX XXXX XXXX and XXXX XXXX. So I can not make a complaint by way of my phone. If I call any of my credit cards hackers retreive the call. I can not get any help. This has gone on for 10 years. I have made multiple reports but now believe they have never made it to you because there is also an unwanted and illegal dual sim on our phones. My complaint is someone or the hackers are using my cards, in this instance its a charge of XXXX XXXX which has been charged to all of my cards but I will address this one today. I am not sure why they do this but it is my belief is so I will call the new card number in. I believe there are multiple cards issued in my name. My mother wrote 2 different checks to pay the bill to 2 different addresses because we dont know if the address has been changed on my XXXX bill or the credit cards check cashing center is the issue. My mother put XXXX which is the last 4 digits of the card on both checks. one came back with the original account number XXXX and this is 3 or 4 cards later. This is what my mom suspected. So, my original account is active but I was told the XXXX is active and XXXX was reported stolen, which it was not. Each time they send me a new card and I call in to hear there was fraud so we sent you a new one. That is not the case. I believe someone at Comenity Capital Bank is issuing cards because we all receive cards from that bank unwanted. So we of course have to give the real numbers all of them to cancel. There has to be someone working on the inside to scratch out wrong digits on the bottom and put new ones. So we added to the memo on the check no scratch outs or changes or its void. Sometimes my card gets blocked for no apparent reason or my statements are held up.Definite tampering. I did not charge XXXX XXXX. I have asked them to forbid XXXX to charge, yet it happens.These people are foreigners, XXXX they say. There are chickens crowing in the background and children playing. I can not get text to my phone for fraud alerts or notice for billing dates. There are many changes to all our phones. Even XXXX said someone offered thousands to get into our account. I am really tired of this I have a credit freeze leter and pin on the bureau but I am suspicious its not there. Please tell them no more XXXX ever and stop blocking my card. Its not blocked now but if I charge on it online elsewhere they get mad and block it.I cant do any charges on my phone because all cards get stolen. We are positive someone has to be working in one of these cash checking centers or my mail is routed to someone in XXXX Arizona I believe. I need a real billing address and bureau address so I dont have to write you. My mom discovered the bureau addresses on her report are wrong and they are just copies that have been altered in every way. This bureau really needs to investigate Comenity Capital or send me information so that I can contact someone who cares, not phone numbers but addresses because I have found the addresses I am searching for on my all of our phones to be fake and we get zero response back or returned mail. The addresses lead to lease buildings or for sale buildings. They are a criminal ring that has cost us thousands, But I should have only 1 XXXX account under my social XXXX XXXX XXXX XXXX.The XXXX is an outdated version and my IMEI changes after the sim is activated. I have 2 of them.
Company Response:
State: TX
Zip: 77535
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I lost my wallet and someone took my documents my cards used to make purchases and spent all the money I had on the cards, with all this comes all these collections on my credit interfering with my credit preventing my score from going up so I came to ask for help you guys please delete these fraudant collections on my credit
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: good afternoon dear agency : I suffered a fraud when I took a taxi I forgot my wallet inside and someone stole my cards and they used them to do various things because they bought a lot of things in my name I called the stores to cancel they didn't cancel instead I got a lot of calls from companies every day they are calling me asking me to pay the bills and it was not me who bought them please i want you to delete all these fraudulent accounts that are on my credit please
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I noticed theres a charge account listed in my profile, but I was unaware of that until now. I dont remember opening this account.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: The company continued to charge interest after the balance was paid in full on a closed account.
Company Response:
State: CA
Zip: 90803
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: In XXXX of 2021 Comenity bank lowered the limit on my Victorias Secret Credit card from {$450.00} to {$100.00}. They had done this numerous times before and claim that it was a reflection of changes in my credit report. Here 's how credit works... I buy something and my balance goes up. No other credit card bank lowers my limit because I used a different card to make a purchase. In fact, at the time they lowered my limit, my balance was below {$100.00} and payments had always been on time. In fact, the card up to that point had been helping my credit score. Simple fact is that this bank deliberately does this to PUNISH cardholders for not making purchases on their cards. They did the same thing with a card I held for XXXX XXXX at the same time. I requested BOTH accounts closed. The boot barn was closed as I requested. Since XX/XX/2021 I have made the request numerous times that the VS card be closed and the bank IGNORED ME and used the card to continue to punish me. Presumably for closing the other account. As of this week I recieved a message regarding this account, that I requested closed in XXXX of last year, that THEY had closed my account due to information obtained in my credit report. I CLOSED THIS ACCOUNT 8 MONTHS AGO. They left this account open without my authorization after I ORDERED it closed and continue to use it now to impact my credit score by labeling it falsely as " Closed by credit Grantor ''. These people need to be stopped ....
Company Response:
State: CO
Zip: 81504
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: On XX/XX/22 i was applying for a mortgage- since I had to unlock all three credit bureaus for this mortgage application, I decided to submit an application to Comenity bank at the same time. I received a letter a few weeks later indicating it was written on XX/XX/22 that Comenity Bank did NOT approve my credit application at this time because they were advised by " the credit reporting agency '' ( non specific ) that a security / credit freeze was placed on my report. That " unfortunately, due to the freeze on your credit bureau report we were unable to verify your credit history with other credit grantors '' A few weeks later as I was closing on my loan my bank enquired about a HARD ENQUIRY on my XXXX credit file from Comenity Bank. It is my understanding under FCRA that a locked credit file would not be capable of having a hard enquiry against it unless it were unlocked. I have a denial letter from Comenity bank telling me they denied me credit because of a locked credit file, but I also have a hard enquiry from Comenity Bank showing that they acceessed my credit- IT CAN NOT BE BOTH WAYS. The hard enquiry should be rescinded and removed from my credit file since Comenity says they could not access it - OR - the credit card should have been issued - OR denied for a legitimate reason besides credit lock if they were able to access my XXXX Credit Report as XXXX currently indicates. Comentiy cites XXXX / XXXX Risk Solutions Consumer Center as the agency that provided this report - This complaint would be inclusive of the credit reporting agency that Comentiy Bank Uses and cites in their letter whom I have never heard of. XXXX XXXX indicated at the time I had no credit lock on file with them, Comenity indicates they pulled my credit on XXXX at the time of application ( in which all three known bureaus were unlocked and XXXX / XXXX had no security freeze on file ). These bureaus are engaging in reporting false information, possibly due to some time lag in how they actually pull credit and report it which they are unaware of.
Company Response:
State: LA
Zip: 70448
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Hi, I had credit in the mid XXXX, I just bought a house, I always pay my bills. I had a incident with XXXX XXXX clothing store / Comenity Bank & I had nothing but a big run a round by them & I have gotten nothing out of it but a bad credit drop. I just refuse to pay for something that I do not have, & that I have sent back, This is not fair at all. I need this disputed. I also was in the hospital for over a month with XXXX XXXX, I came very close to not making it out alive. I have proof if it will help with my side of the story. I am still dealing with the aftermath of XXXX This is very wrong for my credit to have dropped down this low over this. I did refuse to pay, because they was not working with me with my returns. & refund.
Company Response:
State: OH
Zip: 44129
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Commenity bank is reporting that I have 3 accounts that were written off and sent to collections. On XX/XX/2020. I spoke with XXXX at XXXX ext XXXX and paid off XXXX, XXXX XXXX, and XXXX. Amounts paid - XXXX {$120.00} XXXX XXXX - {$60.00} XXXX- {$39.00}
Company Response:
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have tried to pay off this card several times. The customer service agent would assure me it was taken care of ( XXXX ) Then I would get a text saying I owed on the account. I was told it was {$1.00} interest and a late charge of {$37.00} was added. This business has over XXXX complaints with the XXXX.
Company Response:
State: MN
Zip: 55110
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A