Date Received: 2022-03-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I closed an Ann Taylor account several years ago MYSELF and XXXX just now reported that THEY closed it and reduced my score XXXX POINTS! Again, this is willful violation of the FCRA and going in my lawsuit against the three CRA.
Company Response:
State: LA
Zip: 70810
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid off my Victoria Secret credit card in XX/XX/2021. They have 3 options in their app : pay selected amount, pay due balance, and pay off balance. I selected pay due balance, incorrectly believing this would still pay off my card, as there are no explanations for the differences between the last 2 options. I paid my balance, and they did not include the interest in the reflected balance. The next month I had a past due amount of {$2.00} that I never received any notice about owing. They did not call, nor do they have any contact information on their app. I had to XXXX the phone number, and they confirmed that they never called me about the balance and just recorded and reported it as a late payment. My credit score dropped XXXX points because of poorly worded payment options and a {$2.00} interest fee that they failed to communicate with me. This has caused me to not be able to get a mortgage even though before now, Ive never once had a late payment for anything. Commenity bank, who owns the card, was not only not helpful but extremely rude when I finally figured out how to contact them to straighten this out. The Ohio Attorney General recommended I reach out to you to get this resolved. What I would like to have happen is to have the late payment removed from my credit report. I paid the balance the second I learned about it.
Company Response:
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had pay off all the 3 accounts that show on my credit report. I pay each one the exact amount that it was due and have not use the account any longer. They showing on my report. I pay them off in XXXX and spoke to them about balances showing on when actually I do not have any balances. The accounts are XXXXXXXX XXXX XXXX XXXX XXXX XXXX If you need exact dates as when exact dates, please let me know.
Company Response:
State: CT
Zip: 06108
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/22 : Was alerted by a bank that someone had made an inquiry into my credit. I checked the bank website and learned that the inquiry was from Comenity Bank/Victoria 's Secret. I had not applied for credit with that entity. I placed a one-year fraud alert on my credit report via XXXX, triggering fraud alerts on XXXX and XXXX. XX/XX/22 : Received a Victoria 's Secret credit card in the mail. I wondered whether it was just an unsolicited card and pondered how to dispose of it. XX/XX/22 : Received a bill from Comenity-Victoria 's Secret for {$800.00} in Victoria 's Secret purchases. Transactions were as follows : XX/XX/22 : XXXXXXXX XXXX, # XXXX ( store number, I gather ), {$5.00} XX/XX/22 : Same location, {$550.00} XX/XX/22 : XXXX XXXXXXXX XXXX # XXXX, {$240.00} Note that I live far from either of those states and was in neither of them at those times. XX/XX/22 : Phoned Comenity/Victoria 's Secret at ( XXXX ) XXXX to report the fraudulent opening and fraudulent use of a credit card in my name. The representative asked whether I had my driver 's license with me ( which I did ), because in all three instances it was noted that the user of the fraudulently opened account had shown a driver 's license to verify identity. The representative said the credit card would be disabled and an investigation would ensue, which could take up to 90 days. He also said that in a couple of weeks I could call the fraud line at ( XXXX ) XXXX and obtain a case number. XX/XX/22 : Went into XXXXXXXX XXXX website and saw that my credit score had declined, apparently as a result of the opening of the Victoria 's Secret card account and the {$800.00} purchase. Contacted XXXX XXXX ID theft line at ( XXXX ) XXXX and communicated with an automated system. It said it would add a one-year fraud alert to my credit report that would apply to all three credit bureaus. ( Not sure what that means given that I already had set up a one-year fraud alert. )
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, COMENITYCAPITALXXXX XX/XX/XXXX, XXXXXXXX XXXX XX/XX/XXXX. Fradualent attempts to open a line of credit using my personal information. I have sent XXXX act letter to XXXX, XXXX and XXXX to remove the hards inquiries on my account. Reached out to the creditor to remove and inquiry from my account sent final letter XX/XX/XXXX to remove. No response, please remove inquiry from credit report.
Company Response:
State: FL
Zip: 32819
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My credit card from Comenity bank for XXXX was lost or stolen and used without my authorization. They charged up about {$1200.00} in charges. I hadnt used this card in over 2-years. I didnt realize there was even a balance until I received a call from them stating my payment was late. I went online and notified them immediately that this card was fraudulently used. They then denied my claim stating there was No basis to support a claim and provided no additional supporting documents. They then reported my late to the credit Bureaus and negatively affected my credit and refused to fix it even when I called them and filed a dispute with the credit bureaus.
Company Response:
State: CO
Zip: 80237
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I called Comenity bank they service my XXXX Cc and on XX/XX/XXXX I made a XXXX payment on my XXXX CC and come to find out they ran an audit on XX/XX/XXXX and supposedly due to my credit score went down they decreased my credit limit. I paid on all my CC on XX/XX/XXXX and that increased my credit. I called and the reps at Comenity stated they cant do nothing from their end. I monitor my credit due to Im about to refinance and with them decreasing my credit now it looks again that Im close to my limit.
Company Response:
State: OK
Zip: 73099
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a purchase on XX/XX/21 at XXXX XXXX. It was on a 6 months no interest. Commenity bank will not reverse the interest charges. This is fraud!
Company Response:
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
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 a 30 day late showing up on my credit report inaccuratlly and further more the FCRA 603 15 usc 1681s-3 " EXCLUSIONS '' the term " consumer report '' does not include ( i ) report containing solely as to transactions or experiences between the consumer and the person making the report. my payments are an transactions and does not supposed to be incuded in the report. on Account : XXXX XXXX
Company Response:
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I previously sought assistance from your agency with the following complaint, though my initial submission appears to have been inadvertently miscatergorized. I would like to expand my concerns to now include yet another adverse action taken against me ( the closing of my XXXX charge account ) which I never once requested as a resolution to my original dispute and, which I firmly believe, constitutes discrimination/retaliation based on my open disclosure of being a recipient of XXXX ( XXXX ) income. Please review the following text along with my supporting documentation, which is attached. You will find that the closing of my charge account was never a requested action nor resolution to my original unauthorized billing/improper credit reporting dispute. In fact, had I not brought forth my initial concerns nor disclosed my XXXX income, XXXXComenity Capital Bank would not have otherwise closed out my charge account without advance notice, valid reason or full disclosure. Moreover, this action is discriminatory and appears to be in direct violation of the Equal Credit Opportunity Act ( ECOA ). In XXXX of 2021, I verified with XXXX, the amount needed to pay off my balance. Proceeds from a XXXX debt consolidation loan were directly paid ( by XXXX ) to XXXXComenity Bank on behalf of my consumer account. In XXXX of 2021, I made an additional payment in the amount of " {$10.00} '' to cover the remaining interest due so as to alleviate my debt obligation to this creditor. I had no intention of making any new purchases on this account as my income is now limited due to a visual impairment and a host of other serious medical conditions which have rendered me " totally and permanently XXXX '' as recently designated by the Social Security Administration. I did not make any additional purchases nor did I authorize any additional charges to my XXXX credit account beyond the date of my final interest payment. Unbeknownst to me, in XXXX of 2021, XXXX, billed some type of fee in the amount of " {$21.00} '' to my " zero-balance/inactive account. Again, I had satisfied my total debt obligation to this creditor as of XX/XX/2021, and though I did not close out my account, I had absolutely no reason to believe that further charges and/or late fees would appear. Debt consolidation was done for the purpose of better managing my personal health, familial and financial obligations by limiting my consumer debt burden. Never once did I have any late-payment credit bureau reporting while carrying a balance with XXXX. I should not be penalized for choosing to pay off my account debt. As a person with visual and other XXXX, this situation makes me feel especially vulnerable and thoroughly violated. Please note that I filed a dispute with XXXX and provided supporting documentation ( including my XXXX XXXX XXXX XXXX ). XXXX/Comenity bank upheld the late fee and derogatory credit reporting, and they closed out my charge account, undoubtedly due to my current XXXX status.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A