Date Received: 2022-03-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I bought something from XXXX XXXX XXXX XXXX ( XX/XX/2021 for {$42.00} ) using my Victoria Secret XXXX XXXX I made a payment after a " fee '' was put on the account. I was charged a late fee of {$29.00} on XX/XX/2021. I made a payment of {$42.00} and since then the bank has been charging me late fee over late fee with minimum interest. I owe the bank {$0.00} for the purchases I made. But they keep charging me late fee. I'm over {$250.00} in late fees now and its dropped my credit score by XXXX I think it is illegal for the bank to keep charging people once they have paid for the goods they purchased. Ive been their member for 15 years and this was the first time I missed a payment. Only if their portal wasn't so dated and would allow automatic payment or even send you ebills when due.
Company Response:
State: TX
Zip: 78717
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have tried to get in contact with both comenity bank and alliance data card services the letters I have sent have yet to produce a response there are multiple inaccuracies on my credits from this company such as date opened, the balance and the date last active. The payment history is also incorrect as well I have never been late with this company I spoke over the phone with a representative and set up auto-pay so how can I be late if it was not drafted Ive tried over and over but still have not gotten any relief I would like the late payments reporting removed from my credit profiles
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: An account was opened in my name in XXXX without my consent. The person was paying on the account. They had their email, their phone number, and their address linked to the account. I found out in XXXX and immediately brought it to the attention of law enforcement. I filled a report and pressed charges. I was advised by the officer to reach out to the creditor to see what they suggested. I have been trying to get this issue resolved since. The person was found guilty spent time in jail and has since been released. Yet, I am still trying to recover from what they did to my credit. I have disputed the account, and they apparently deemed that I am responsible for the account. However, whenever I try to call about the account to get information to help my case, they advised they can not give me any as they are not allowed to release the information. The person used all their information for the account ; they just used my SSN and name. Everything else belonged to them. I need help resolving this because it is not fair what is happening to me or what was done to me. Police report case number XXXX. The thief was ordered to take ownership of the accounts she opened, and she did so. A document was sent to her to sign and return to accept ownership of the account. I was told she would only be able to pay off the balance and not incur any other charges under my name. I even paid for the postage just to make sure it was sent. I was even provided a copy of the signed document for my records. Case number XXXX. However, each month I get hit with a negative report from them.
Company Response:
State: FL
Zip: 34986
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I witnessed a fraudulent account on my credit report that I had no knowledge of. I called the store and they name several things that was bought that I never purchased or had any knowledge of.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, I made arrangements online to have my payment made on the due date of XX/XX/XXXX. When I received my XXXX statement on XX/XX/XXXX, I realized they hadn't taken out the payment on XX/XX/XXXX, so I called the company, Comenity Bank about the mixup with my XXXX XXXX account. They were very helpful, and everything was fixed, or so I thought. Today, XX/XX/XXXX, I received a statement from Comenity BankXXXX XXXX for {$140.00}. The statement clearly shows that I had paid the bill on the XXXX of XXXX, and that they had given me a partial credit on the late fee as well as XXXX on the finance charge. Then it shows that they returned my payment, which they did not do, put the late fee and finance charge back on my bill, and added another late fee and additional finance charge as well. I had them paid off, and had requested my card be cancelled. Now they have kept the money I gave them, lied about returning the payment, which they had no reason to do, and are charging me way more money. They didn't cancel the card, but lowered the limit. I have mailed them a check for {$140.00}, which I do NOT owe them. Please, do something about this company. I don't know anyone who can afford this kind of treatment.
Company Response:
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am 7 days late on a payment to Comenity Bank and they have called me multiple times today, Friday XX/XX/XXXX. They called at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. They are relentless.
Company Response:
State: OR
Zip: 97420
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had a XXXX XXXX in my teeth. Went to dentist. They hit me with a huge amount. They applied me with a COMMENITY BANK LINE OF CREDIT to pay for my work I needed done. I never got a reminder through the mail that the 'interest fee ' period was ENDING. I had called at the end of XXXX, after getting my new bill to find out that the {$3500.00} bill I had whittled down to {$1100.00} was now over {$2200.00}!!! They added {$1000.00} to my bill!! I called and tried to talk to them to eliminate that interest. I had plans to pay it in full the next cycle!!! THEY WERE RUDE BEYOND BELIEF AND SAID THEY WOULD NOT REDUCE THE INTEREST! I even explained to them even a CAR when you do a 10 day payoff has reduced interest. I had just recovered from XXXX ALONG WITH MY SON WHO ALMOST DIED! I LOST MY JOB! Now High gas prices ... ... ... THEY REFUSED TO WORK WITH ME. ALL I WANT IS THE {$1000.00} ELIMINATED so I can pay my original balance in full which is the {$1100.00}. PLEASE PLEASE PLEASE HELP ME! THANK YOU
Company Response:
State: CA
Zip: 90740
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an issue with my XXXX XXXX XXXX credit card issued by Comenity Bank, customer care phone number XXXX. I spoke to a rep and was transferred to an account XXXX. I then called again later that day and tried to escalate my call to a supervisor. I was told it may not be possible to speak to one. I have also spoke to customer care for the vendor, XXXX XXXX. On XX/XX/2022, I paid my minimum payment on my credit card. On XX/XX/2022, XXXX was paid bring the balance to {$0.00}. I noticed the error and paid the XXXX on XX/XX/2022. On XX/XX/2022, my statement cycled and I was charged an interest fee of {$24.00}. This resulted in a fee only statement. Each time I requested the fee to be waived as a fee only statement and was told it was not a fee and therefore could not be waived. I could be wrong, but is this not a violation of the XXXX XXXX or XXXX XXXX policy?
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX has deleted this account from my credit file so please tell me how you were unable to see the fraudulent activity and haven't taken the steps to delete the account yet? See attached current report with account removed. There are five on-time payments being reported on this dental " credit-card '' that I never paid. Upon research, I've learned creditors will often falsify positive payments to extend the statute of limitations. I would like proof of these payments made, ACH, Credit card transaction, consent and authorization, dates and times of these paid payments. I requested all three bureaus to supply proof, and XXXX so far has been unable to therefore XXXX has removed the account from my credit file. If you can not produce the five payments made, please remove this account with inaccurate information off of my credit file. RE : Comenity Capital Bank XXXX XXXX XXXX XXXX, OH. XXXX I am writing this in concern to detrimental and false inaccurate reporting of the Comenity account on my credit file. Attached you will find copies. RE : Account Number XXXX I recently pulled my credit reports and noticed there were false payments being reported on this charged off account across all three credit bureaus. The credit file states that there were XXXX on-time payments during the life of the account ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; however, I have never paid on this account ( pandemic ). I also noticed the credit limit magically increased a year later, on it's own, mind you this is not a physical credit card, it is a credit line at a XXXX XXXX for one procedure. Upon my research, Ive learned that creditors may often post false payments to extend or manipulate the statute of limitations. I also found a recent lawsuit ( XX/XX/XXXX ) that claims Comenity for FCRA violations as well. Allow me to post that here : " Civil Action XXXX XXXX XXXX XXXX XXXX v. COMENITY BANK/XXXX XXXXfendant '' " XXXX asserts a claim under the FCRA based on the following : that Comenity falsely reported incorrect debt information to the national credit reporting agencies including but not limited to, the incorrect debt amount, account status, and status update. ( Id. ) '' citation : https : XXXX The entire time I have had this XXXX XXXX dollar debt, I have never made a payment. Allow me to understand why my credit reports shows that five ( 5 ) on-time payments were made and are on file. Once these false on-time payments were magically submitted, that allowed the debt to completely start over and for XXXX to keep calling me. Please show me proof that I made these payments. The dates that show on-time payments are as follows as shown on the credit reports : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Please see XXXX report highlighted attached with the false " on-time payments '' to reset the debt. In regard to the falsified credit limit increase, while reviewing my credit reports, I also noticed the credit limit increased without my permission or knowledge in XXXX of XXXX, also see attached, circled. The original dental bill was {$1000.00}, in XXXX of XXXX XXXX, the credit limit magically increased to {$3900.00}. Need I remind you, this is not a physical credit card. This credit line quote was for a one time XXXX XXXX. I feel as though I am a victim of fraudulent activity. Someone reported those payments to keep the account active and accessible to attempt to collect the debt as well as increased the credit limit without my permission or acknowledgement. Prior to sifting through my reports and finding these errors, I started to receive phone calls from XXXX XXXX XXXX who tells me Comenity Capital Bank had now sold the debt to them. Now that I am financially stable and, in the market, to finally purchase a house ( the entire reason I pulled my credit reports ), I went ahead and paid the debt in full through XXXX XXXX XXXX, their debt buyer, on XX/XX/XXXX. Please see that receipt attached. This was prior to me finding out about the fraudulent activity that they were reporting on my credit file. I wanted to settle the debt and continue to search for a house for my family. Due to the false and inaccurate reporting of on-time payments to extend the debt, and due to me recently paying the debt in full on XX/XX/XXXX prior to me finding the errors, I am simply requesting for this account to be removed permanently across all three bureaus and that the derogatory mark be removed as it is seriously affecting my credit score with this false information. It is completely not fair to be held accountable for something that I did not do. The credit reporting agencies, the bureaus, are supposed to make sure everything in my credit file is the most accurate. I feel taken advantage of and I just want to move on with my life but this is extremely detrimental to my credit score and a violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I hope we can come to a fair agreement. I appreciate your investigation into this matter CFPB, XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34683
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: To Whom it May Concern : On XX/XX/2022 ; I submitted a request for a balance transfer to pay off most of my Comenity BankXXXX XXXX Credit Card account to a new credit card account at my personal bank. On XX/XX/2022 ; at XXXXXXXX XXXX I received a phone call from XXXX at the Comenity BankXXXX XXXX Card call center . She was attempting to collect a payment that I had missed on my account. I explained to her that I submitted a request to pay my balance off on the 1st. She interrupted me and stated they DO NOT TAKE credit card payments. And, went on to say that I needed to make payment arrangements or my account would go into collections. I agreed to automatic monthly payments for the next 6 months, under the assumption that my balance transfer was denied by ComenityXXXX XXXX XXXX On XX/XX/2022 ; my bank paid {$1600.00} towards my balance with ComenityXXXX XXXX XXXX XXXX In addition, Comenity took {$250.00} out of my bank account in XXXX and another {$160.00} in XXXX. When I called them to talk about this issue, they hung up on me. My complaint is in the fact that they lied to me about not accepting credit card payments and double/ triple dipped into my account. I am livid and want someone to be held accountable for this misappropriation of my money. Please advise my rights and what options I have. Thank you, XXXX XXXX XXXX XXXX XXXX
Company Response:
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A