Date Received: 2023-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX. XXXX Spoke to XXXX , she informed me she would mail out a form for me to fill out & then she would ensure account was deleted for identity fraud. XXXX XXXX I called to follow up and spoke to supervisor and he informed me account was sold to XXXX XXXX XX/XX/XXXX. I informed him that it was not my account. I then was told I needed to call this company and have them delete it. I spoke with the company, they told me they would delete it, but account is still reporting to all credit companies.
Company Response:
State: TX
Zip: 758XX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: You previously provided responses that were unresponsive to the problem. Please see complete timeline below : XXXX. XX/XX/XXXX - I paid in full the {$570.00} balance due to XXXX XXXX XXXX for transactions made up to XX/XX/XXXX ( SEE ATTACHED INVOICE ) XXXX. Between XX/XX/XXXX - XX/XX/XXXX, I charged {$720.00} in new purchases on my card and received an invoice with a due date of XX/XX/XXXX ( SEE ATTACHED INVOICE - SAME AS ABOVE ) XXXX. XX/XX/XXXX - Autopay of {$720.00} for XX/XX/XXXX invoice due date was withdrawn from my XXXX XXXX account, and apparently rejected by XXXX XXXX XXXX ( SEE ATTACHED LETTER and BANK STATEMENT ) XXXX. XX/XX/XXXX - A second autopay of {$720.00} for XX/XX/XXXX invoice due date was withdrawn from my XXXX Bank account, and accepted by XXXX XXXX XXXX ( SEE ATTACHED LETTER and BANK STATEMENT- SAME AS ABOVE ) XXXX. XX/XX/XXXX - I received a cash back/rewards/refund for {$190.00} XXXX. XX/XX/XXXX - I made a claim with my bank for the duplicate withdrawal, and my bank credited {$720.00} to me. In total {$1400.00} was initially withdrawn. I was credited for {$720.00}, and {$720.00} was the total amount withdrawn and paid to XXXX XXXX XXXX for the final invoice I received from them ( SEE ATTACHED LETTER and BANK STATEMENT ) XXXX. XX/XX/XXXX - I contacted Comenity customer care because I received a bill ( without any transaction ) for an amount of {$720.00}, but I paid that amount in full on XX/XX/XXXX. I was told the issue with my billing was likely a conversion error XXXX. XX/XX/XXXX - I received another invoice for {$720.00}. It showed that a payment on XX/XX/XXXX was returned, but failed to show the payment on XX/XX/XXXX that was paid as evidenced by the BANK STATEMENT and BANK LETTER attached. XXXX. XX/XX/XXXX - Contacted customer care again and they were unwilling or unable to resolve my issue again XXXX. XX/XX/XXXX - Contacted customer care again, and they were still unwilling or unable to resolve my issue XXXX. XX/XX/XXXX - Closed my card due to your terrible customer service and unfair, deceptive, and abusive practices XXXX. XX/XX/XXXX - Obtained and provided to you a letter from my bank explaining that {$720.00} was withdrawn from my account and paid to XXXX XXXX XXXX on XX/XX/XXXX ( their records actually showed the amount was withdrawn twice ) XXXX. XX/XX/XXXX - I contacted Comenity customer care again and Comenity was still unwilling or unable to resolve my issue and was unwilling or unable to provide an invoice with transactions for which Comenity continues to bill me. I have NEVER received a bill from Comenity including transactions for which I am being billed. If I was provided with a bill/invoice containing the transactions upon which my statement principal balance is based, I would be able to demonstrate that Comenity is duplicate billing for transactions that I made between XX/XX/XXXX - XX/XX/XXXX and paid in full on XX/XX/XXXX. XXXX. XX/XX/XXXX - Contacted Comenity customer care again, and Comenity still is unwilling and unable to produce a bill/invoice containing the transactions for which it is billing me XXXX. XXXX XXXX - Contacted Comenity customer care again, and Comenity still is unwilling and unable to produce a bill/invoice containing the transactions for which it is billing me XXXX. XX/XX/XXXX - Filed a complaint with CFPB and Comenity still is unwilling and unable to produce a bill/invoice containing the transactions for which it is billing me XXXX. XX/XX/XXXX - Filed a complaint with CFPB and Comenity still is unwilling and unable to produce a bill/invoice containing the transactions for which it is billing me XXXX. XX/XX/XXXX - Filed a complaint with CFPB and Comenity still is unwilling and unable to produce a bill/invoice containing the transactions for which it is billing me
Company Response:
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XX/XX/ I was reviewing my credit reports and found out there is a Bread Cashback American Express Credit Card ending in XXXX. This account has been opened fraudulently by someone else than myself. I have no knowledge of this account and have not authorized Comenity to open the account or check my credit. Despite efforts to contact Comenity, I have been unable to remove the account from my credit reports.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Ulta Comenity credit card says I did not have auto pay on and I did so they charged me XXXX I called and the attendant said she would take off the XXXX now after putting auto pay on they said it was not on again and charging another XXXX asking these are both removed
Company Response:
State: IL
Zip: 60462
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The Complaint I file against Comenity Bank with the Virginia Attorney Generals Office ( AG ) on XX/XX/XXXX was initially accepted. However, I received a letter dated XX/XX/XXXX instructing me to file with CFPB instead ( attached ), below are brief descriptions of my Complaint and attachments. I started complaining to Comenity Bank that my XXXX XXXX credit card account ( XXXX ) was being mismanaged and overcharged starting in XXXX XXXX by phone, email and U.S. mail ; our written Correspondences are attached ( Correspondence pgs. 1-8 ). My letter dated XX/XX/XXXX with receipts dated XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX ( pgs. 1-3 ) illustrate when the problem started ; I purchased two pieces of jewelry from XXXX XXXX in XXXX, VA on XX/XX/XXXX, returned one on XX/XX/XXXX after finding it at another store for about 50 percent less. After receiving the XXXX bill, I realized the payment plan for the two pieces was still in effect for the one piece, I wanted the plan changed since the one piece was eligible for an interest free payment plan. I went back to the XXXX store and as the attached receipts dated XX/XX/XXXX show, the store manager/saleswomen returned the remaining item and sold it back to me on an interest free payment plan. I havent purchased anything from XXXX since XX/XX/XXXX and the attached Statements dated XX/XX/XXXX XX/XX/XXXX ( Statements pgs. 1-20 ) shows the issue was never corrected, i.e., finance charges were/are still applied making the total I owed still over {$3000.00} ( I attached the first page of statements XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX, but noticed when preparing the submission for the AG, that some finance charges were returned on statement XX/XX/XXXX, therefore I printed out that entire statement, the returns were made after my letter dated XX/XX/XXXX in which I indicated that I copied the XXXX XXXX XXXX, which I didnt ). At this point, I am beyond frustration and decided to stop making payments in XX/XX/XXXX, after which I received a number of texts, phone calls from blocked numbers and with no voice message. I was finally able to return a call and speak to a representative on or about XX/XX/XXXX from a message left that day. During this conversation, I informed the representative the I asked a third party to review my account. I appreciate your attention to this matter
Company Response:
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Comenity bank is supposed to award me {$200.00} cash back after {$1000.00} spent according to a preapproved promo mailer. They keep getting it wrong and have not awarded me my money. Tech difficulties with their portal also prevent messages from being sent.
Company Response:
State: TX
Zip: 77345
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Your basically hit my credit twice it a charge off. Then you and the collection company are hit my credit you cant do that but I need new information from this company. I want to be answered here so we can have more records of this. I will send an affidavit of truth. My own .I ask not be contact but you and collect agency have done so you will be hit with a fee scheduled. I, a consumer in fact, agree with The Congress that you're nothing but an elaborate mechanism, developed to discriminate against me, based on the evaluation of my credit worthiness, character, and reputation Pursuant to 15 U.S. Code 1681 ( a ). Congress is letting me know here that you truly are NOBODY. Take Notice that Pursuant to 15 U.S. Code 1681 ( a ) ( 3 ), you have only assumed this vital role to evaluate my consumer report, without having any real authority or consent by the consumer to do so Pursuant to 15 U.S. Code 1681 ( a ) you have failed to exercise your grave responsibilities with fairness, impartiality, and a respect for my consumer right to privacy ; Pursuant to 15 U.S. Code 1681 ( b ) consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce. Accuracy is about equity and must be equitable to the consumer. Must be fair on both sides, but you werent acting fair when in your initial investigation, you failed to contact me to ask about the alleged transactions, when I am the only individual with actual first-hand knowledge, but only decided to take one side of the story. Pursuant to The Fair Debt Collections Practices Act, the following proofs of claim are requested Proof of claim : The Alleged Lenders involved in the alleged loans, did not purchase the promissory note from the consumer, hereinafter the Alleged Borrower. If not rebutted, this statement stands as truth Proof of claim : The Alleged Borrowers may repay the alleged loan with the same species of money as may be on the loan per GAAP, ending all interest and liens. If not rebutted, this statement stands as truth. A. Proof of claim : The Alleged Lender converted the Alleged Borrowers promissory note, accepting the Alleged Borrowers promissory note as money or like money to fund a check or similar instrument that the Alleged Lender then lent to the Alleged Borrower which has an economic effect similar to stealing, counterfeiting, and swindling. If not rebutted, this statement stands as truth. Proof of claimThe Alleged Lender has failed to follow Federal Laws 12 U.S.C. 1831n ( a ) ( 2 ) ( A ) and/or 12 CFR 741.6 ( b ) regarding General Accepted Accounting Principles and Generally Accepted Auditing Standards concerning this loan. If not rebutted, this statement stands as truth. C. Proof of claim : The Alleged Borrower truly provided the money, transfer of funds money equivalent, credit, funds, capital, or thing of value, and they pursued to securitize it! If not rebutted, this statement stands as truth. Please provide me with the below mentioned items The amount you claim the Principal owes you. IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. Full accounting ledger. All legal documents. An explanation showing me how you have computed the amount. Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor. Confirmation that the account has not crossed the statute of limitation ( SOL ) period. * Show the Evidence that the company you hire is in fact licensed debt collector. Evidence of your license numbers and your registered agent. FACTS ON THE MATTER : 1. Fact, I so invoke nunc pro tunc, Pursuant to 15 U.S.C. 1681a ( c ) declare that I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in Due course of any and all derivatives thereof for the surname/given name and have been appointed and accepted being the executor both public & private for all matter proceeding, and I hereby claim that I will autograph as the agent, attorney in fact, and I furthermore Demand that you correct your reporting. Fact, Pursuant Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a VIOLATION of my consumer right. It is a Fact that Pursuant Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( III ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. It is a Fact that Pursuant Title 15 USC 1681a ( e ) - The production of an " investigative consumer report '' involves obtaining information about a consumer 's character, reputation, personal characteristics, or lifestyle through personal interviews with their neighbors, friends, associates, or others who may have knowledge of the consumer. This information is used to form a report that provides a comprehensive understanding of the consumer.Fact, I the consumer, original creditor do so extend my open ended credit on file to eliminate any verified debt, all valid debt must be verified and documented on record by wet ink signature, so be it, Fact, that I by this notice and demand declare I have no verified evidence for certified mailings, and again for the record, I have absolutely no knowledge of the alleged debts listed on your website, company records, or any and all derivatives therefore, of, and/or with any affiliates or agencies acting as a real party or a third party interlopers, I again state I have no knowledge of this indirect, unverified, debt, so be it.Fact, I am an eyewitness to the information by allegations against my name being incorrect, and I demand the documented verification of any and all derivatives for an alleged debt for any such debts alleged to be mine the consumer in fact, so be it.I do not know any of the alleged creditors and debt collectors, so be it. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds, so be it.Fact, I know that no valid direct verified contracts exist with me and another party by wet ink signature, I know that any attempt to collect a debt is actually alleged indirect action, please verify and document all verifications, accordingly, so be it.Fact, all allege contracts are completely fraudulent and the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud, so be it, and Demand that you stop sending me fraudulent bills Fact, natural person defined see 15 U.S.C. 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another, so be it
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hi I opened an account with XXXX ending in XXXX on XX/XX/XXXX and used the card the XXXX time for {$13.00}. I paid the bill and I guess it was too late but didnt know there was a late fee added. Due to this my account which I thought was at XXXX balance went back to {$13.00} and incurred XXXX more late fees in XXXX and XXXX and now has it at {$89.00} past due. I called on XX/XX/XXXX to pay the initial late fee I missed to bring the account current and have the other fees removed. They were unwilling to work with me, even though I legit havent used this card but once and that item was paid for in XXXX.
Company Response:
State: RI
Zip: 02904
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: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: They keep threatening me to sue and called me off XXXX different numbers harrssing me
Company Response:
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have been getting repeated calls from Comenity Capital Bank ( who I believe contracts with XXXX XXXX ) before XXXX and after XXXX from random numbers across the country in addition to many " private number '' calls as well as repetitive text messages- all every day of the week, including Saturdays and Sundays. I have requested to be put on the ( DNC ) Do Not Call list at least four times from both the phone numbers calling as well as the private numbers. The people who call are hesitant to tell me who they are and I have even gotten a call from them asking for a person other than myself. I have gotten up to ten calls in one day, all from different numbers, and never get less than 2. Attached are all the most recent times they have called, as well as the many texts they have sent.
Company Response:
State: CA
Zip: 93555
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A