Date Received: 2022-04-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2022, a caller from Comenity Bank called me and told me that I owed {XX/XX/XXXX} in due on a credit card. I told the person I can guarantee {XX/XX/XXXX} on that day, but she kept telling me to pay {XX/XX/XXXX} right now or later before the month is over. I told her what I had to pay right now but she kept telling me in a aggressive tone to pay the current amount. After hanging up the conversation, I checked the account of the debt and it shows {XX/XX/XXXX} past due.
Company Response:
State: TX
Zip: 75238
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit card and they approved me, then I used it for online purchase but weeks later they sent me a letter of denial. Then I decided to use another credit card to make the same purchase in another organization. And now they are sending me bills to pay, I never got the product.
Company Response:
State: ND
Zip: 58701
Submitted Via: Web
Date Sent: 2022-05-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi my name is XXXX XXXX XXXX writing regarding identity theft that occurred.I was recently checking my credit and found account that don't belong to me.I tried to fix information with credit bureaus and some creditors.I found out that some creditors have incorrect information.Fraudsters used my previous address and apply for cards and I sent them proof ( rental agreement ) that from XXXX XXXX to XXXX XXXX I was living in this address.
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2022-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-03
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: My name is XXXX XXXX. I leave at XXXX XXXX XXXX XXXX. In XX/XX/XXXX and XX/XX/XXXX, I made a phone payment to XXXX/Comenity/Wayfair over the phone on the due date and their records show that the payment was given the day after. This is an error on their part because of covid we could not speak to a person and the website was not working to make a payment. I had to make the payment over the phone and it was recorded as late even though the payment was given on time. We need that removed from our credit immediately because it is an error on their system. If you look at our payments we have never been late. Please help us resolve this matter so we may buy a home. Thank you!
Company Response:
State: IL
Zip: 60638
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-03
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 am submitting another complaint about Comenity Capital Banks inaccurate credit reporting to the consumer reporting agencies. Comenity Capital Bank responded to a complaint via the Consumer Financial Protection Bureau ( Reference Number XXXX ) on XX/XX/2022. I reviewed the response letters and obtained a copy of my credit report from XXXX on XX/XX/2022 to determine if the items Comenity Capital Bank reported to the credit reporting agencies were consistent with the banks response to the CFPB. I found that Comentiy Capital Bank was false in its response to the Consumer Financial Protection Bureau. I would like all items deleted immediately for violating multiple laws and regulations and for the intentional false response to the consumer reporting agencies on XX/XX/2022 and the Consumer Financial Protection Bureau on XX/XX/2022. Comenity Capital Bank is defaming my character by reporting accounts that have not been properly validated, reporting them inaccurately and refusing to permanently delete the accounts after being notified of the errors. A signed binding agreement between Comenity Capital Bank and XXXX XXXX still has not been provided for any of the accounts listed below. The accounts were transferred to other companies without an agreement. I am not liable for any of the accounts due to the lack of a signed binding agreement with Comentiy Capital Bank.
Company Response:
State: LA
Zip: 70068
Submitted Via: Web
Date Sent: 2022-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1. I am baffled that Comenity Bank has been unwilling to delete a fraudulent account that is currently showing on my credit report. 2. I provided proof that I filed a report with FTC and made it abundantly clear that I did not open the referenced account. 3. Comenity Bank is basically telling me that my Identity Theft claim is unfounded as per an investigation apparently carried out by their Fraud Department. 4. I dismiss the preceding paragraph in its entirety and would like to make it clear to CFPB, but not limited to, that Comenity Bank actions of reporting an account on my credit report that I did not open per se, is a clear violation of the FCRA and other applicable statutes. 5. To avert litigation, I am taking reasonable steps to have Comenity Bank delete this inaccurate and harmful and damaging trade line from my credit. 6. It matters not to me that Comenity sold an alleged debt to a 3rd party. It has nothing to do with me being a victim of Idenity theft. Instead of resolving this issue, the bank has employed stall tactics to sway me from fighting for my right to an accurate credit report. 7. They have failed to provide evidence of their investigation ; failed to provide evidence of the application, contractual agreement and/or ID that I allegedly used to open the material account. 8. I will not be swayed from having this matter resolved. A subpoena of such information and other records might be forthcoming if this company does not cease from its unfair business practice and discriminatory stance.
Company Response:
State: TN
Zip: 37066
Submitted Via: Web
Date Sent: 2022-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a XXXX balance on my XXXX XXXX store credit card provided by Community Bank. Knowing I hadn't spent anything, I didn't make payments in the subsequent months. It turns out, on XX/XX/2022 they charged me a {$1.00} minimum interest fee which they apparently do when you have a XXXX balance. And when I didn't log in to pay the fee I had no knowledge of, on XX/XX/2022 they charged me a {$12.00} late fee. I continued to not know these charges were happening, until I ran my credit report just now and it's dropped by over 200 points because this is now a {$13.00} non payment mark on my credit report. Having not paid the {$13.00}, I was then charged a {$26.00} late fee on XX/XX/2022. This practice is ludicrous and predatory- for what other reason than to trigger late fees/additional profit for Comenity would they do this? This is now going to significantly impact my ability to buy a home.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am XXXX XXXX and I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to XXXX XXXX XXXX to FURNISH this account/item. The DATE OPENED is INACCURATE and I DEMAND XXXX XXXX XXXX to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND XXXX XXXX XXXX to delete this account/item within XXXX business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND XXXX XXXX XXXX to delete this account/item within XXXX business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND XXXX XXXX XXXX to delete this account/item within XXXX business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND XXXX XXXX XXXX to delete this account/item within XXXX business days ( Exhibits provided ) XXXX XXXX XXXX duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Company Response:
State: TX
Zip: 79707
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a savings account online with XXXX XXXX and it wouldnt let me create a login after putting in all my information and scheduling a XXXX deposit from our chase checking account. I called numerous times and was told they see my profile and the pending deposit, so she said she reset everything and gave me a temporary user name and password, which still didnt work and she didnt know why, so she told me to wait a couple of hours then try it again. So I waited and still couldnt log in, so I called back and then I was told there is no deposit pending and to wait another couple hours. I told her I wanted to talk with a supervisor and got stuck on hold indefinitely. I hung up and called back and I got another person and explained everything and I told her to just cancel the account and cancel my electronic transfer, she told me it would take up to 3 days to cancel the account but ensured me my electronic transfer was canceled. This morning the transfer is pending in our checking account. After doing research on this bank EVERYONE has the same complaint. I called XXXX this morning at XXXX to put in a stop payment. This online bank is fraudulent and needs to be looked into. I am going to the bank this morning to make sure this doesnt go through. Also I tried logging into the account with the information they gave me and it still doesnt work.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The account was closed two years post-bankruptcy, without any communication to the customer. The closing comments on the account state that the account was closed due to bankruptcy, with a closing balance. However, the account is not listed on the bankruptcy articles.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A