Date Received: 2022-04-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear XXXX Subject : Furnish XXXX Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. I am requesting that your company please forward me a copy of the XXXX that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. Thanks in advance XXXX XXXX
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Victoria Secret, Subject : Furnish XXXX Account Number : XXXX Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with XXXX, XXXX, XXXX. I am requesting that your company please forward me a copy of the XXXX that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within 5 business days of the written confirmation. Thanks in advance XXXX XXXX
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Comenity XXXX XXXX XXXX decided to close my account for absolutely no reason and I believe it was a retaliation for complaining about the horrible customer service I received when I called on XX/XX/XXXX. This company is engaging not only in highly unethical business practices but allowing their reps to penalize customers who are unsatisfied with their services. Everything started when I used my card overseas for one single transition in XXXX, 2022. I immediately received a text stating that card is blocked till further verification. When I returned home I called the company on XX/XX/XXXX and spoke to a very rude female rep.I did not like her tone and how disrespectful and biased she was on the call so I told her to transfer me to someone else immediately as I won't tolerate that disrespect. The second rep who was a male was helpful, walked me through the identity verification check and confirmed at the end of the call that my card and account should be good to use immediately. Fast forward to XX/XX/XXXX I find out that my card was actually closed off instead of being unblocked and that the person who did it behind the scene was a female rep. Her name was XXXX I believe. She listed the reason as " Didn't pass the identity check '' even though that's a lie. I'm certain the same unprofessional rep I spoke to on XX/XX/XXXX is the same person behind closing my account and lying about the reason. I escalated to a supervisor her name is XXXX ( Extension XXXX ) and confirmed that my account was closed by mistake. She said that she will reinstate my card immediately but I'm not sure they will be reviewing the call recording with that rep or do any internal investigation about the retaliation part.
Company Response:
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am 30-59 days late on my payment with the credit card company. I had unseen events that come up that I had to rearrange money around to pay for the past couple of months. I have received multiple phone calls a day from this company but never received anything in the mail or by email. I have mailed a letter to the company asking to be only contacted in writing. Most recently I have received 3 phone call in a 1 hr and 33 minute time frame from this company I received a phone call at XXXXXXXX XXXX, XXXX XXXX. and XXXX XXXX on XX/XX/2022 only. Comenity Bank then they proceeded to contact both of my parents as well on different phone numbers trying to get a hold of me. My parents do not live with me and I have never put them down as people who are allowed to be contacted on my account. They call on average 3-4 times a day every single day and those are only the times that I am aware of as I do also receive multiple no caller id phone numbers as well.
Company Response:
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX XXXX, located at : XXXX XXXX XXXX WHICH WILL DO BUSINESS IN CALIFORNIA AS XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX ACCOUNT # XXXX, BALANCE {$2400.00} This company purchased debt that was fraudulent from Zales Credit card and are threatening me with a lawsuit. The name they have on file for the debt, doesn't match with the name I've been using for the past 8 years. I opened multiple disputes with the company. Original FTC dispute submitted in XXXX : ID XXXX ; Police report # XXXX. XXXX data breach settlement : Claim # XXXX. Multiple letters mailed to the XXXX XXXX XXXX XXXX requesting proof of the debt and purchase : DISPUTE LETTER SUBMITTED ON XX/XX/XXXX, to all credit reporting agencies and XXXX XXXX XXXX : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX, they were extremely rude and assured me that they never received any disputes. They called me a lier and threatened to take me to the court. I explained to the representative XXXX XXXX, not sure if he provided me with a real name, that I am willing to start a lawsuit myself at this point and requested Registered agent 's info where I can send a summon with a sheriff. The " XXXX '' refused to provide me with the info they are required to provide by law. I searched public records with the Secretary State of California and found registered agent 's info myself. It's been 7 years since I've been trying to remove this fraudulent account from my credit reports. Please assist ASAP.
Company Response:
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My previous complaint # was XXXX My name is XXXX XXXX and I have given this company an Affidavit Of Identity theft and have informed them they are in violation of my rights by listing a fraudulent account with the credit reporting agencies. They are not also violating 15 U.S. Code 1692g, as only the consumer can validate a debt. I have informed this company numerous times this account is fraudulent and they continue to violate my rights. I am asking CFPB to violate this company and issue a fine in the amount of {$3000.00} for several violations they continue to commit and I also demand deletion of the fraudulent account. Once again, this company has not provided me with a solution to any of my complaints. I do not want a fraudulent bill history sent to me, I want this account deleted now.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Comenity bank issued me a low balance credit card for Torrid, which is fine because it's easier to use/pay/repeat. Comenity bank recently updated my available credit after payments, and would not allow me to use the available credit. First telling me I was late until I pointed out that I don't carry a balance as I pay each pur have when it's available to do so. All the reps and the supervisor would do is quote a non public policy of having to wait 10 days between making a payment before the card can be used. I read the t & c which don't state anything about this, I even read through them again while I was on the phone in case they were updated. Comenity couldn't tell me where to find this information publicly either. I also pointed out I have used the card, paid it, and used it again once the balance updated. All they would do is quote a policy I am unable to view publicly.
Company Response:
State: FL
Zip: 34684
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account is not mine but is reflecting on my credit reports. They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave commenity bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Company Response:
State: FL
Zip: 33183
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THIS IS A RESULT OF IDENTITY THEFT.
Company Response:
State: CA
Zip: 92545
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
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: On XX/XX/2020 I established a store credit card with Comenity /NY & CO. Amidst the breakout of the 2020 COVID pandemic, I was too afraid to check and even touch my paper mail. As though did every business, I also spiraled in figuring out how to keep our institution/ business connected, and as XXXX XXXX XXXX an essential business, configuring remote employees, while ensuring my own children remained connected for schooling, was my upmost concern, as so was it for all of America XXXX After realizing that I had gone severely XXXX, with this credit card, months later, I pleaded that they please remove this negative reporting. After submitting I would say my second dispute, I found that not only did my plead go unheard, but a DUPLICATE negative account reporting appears on my credit report. They are negatively impacting my credit. It also feels like retaliation due to my multiple requests to remove or consider these accounts. I have not to date received anything in the mail, in writing. The online dispute responses are always unavailable, and if it exists difficult to retrieve. I have been unsuccessful in understanding, why they can not consider my situation, why is there a duplicate negative reporting.
Company Response:
State: NM
Zip: 87144
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A