Date Received: 2022-03-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022 I notified Comenity about their consumer privacy violations and requesting to get my consumer report deleted because I did not give them permission to furnish a consumer report in my name. They responded that it is Comenity 's policy to comply with all applicable law and regulations, federal law supersedes policy. They are unwilling to remove the account from my report despite my request pursuant 15 USC 1681b ( XXXX ) which states, " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. There is no way Comenity is in compliance with the FCRA if they have not received written permission from the consumer to furnish a report. Per federal law, that is the only way a report can be furnished. Also The FCRA 15 USC 1681 602 ( b ) says " It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. '' It is clear that the FCRA is protecting the consumer and not the consumer reporting agencies by stating " reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer ''. Comenity 's procedures are not fair and equitable to me as a consumer. Also their procedures are not confidential or proper and they are not in compliance with the requirements of this title if they have not received written instruction from me pursuant 15 USC 1681b ( a ) ( XXXX ) ( 604 ).
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Through XXXX, I was trying to fix my credit file. I was given recommendations for credit cards through XXXX and XXXX. Commenity Bank offered three credit cards, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX. I applied for all three and was approved the credit limits for each was XXXX. I used the same information on my application for each of them and obviously the Bank reviewed my credit file and I was approved. Shortly after I paid my first payment on my XXXX credit card, my limit was dropped down to XXXX, I called customer service and they informed that it was my error, I wasn't approved for the XXXX. No body from Comenity Bank ever contacted me. Over 6 months, I have used the cards and paid them in full. THERE has been no change in my credit file, my ownership of my home and I am constantly monitoring my credit worthiness with the two credit reporting companies. I went to use my XXXX XXXX XXXX XXXXXXXX credit card and it was declined. I contacted the company only to be informed that my account was closed ... .WHY... .Nobody from Comenity Bank contacted me, but I did get a letter informing me that they closed my account due to no open real estate, too many revolving accounts, too many bankcards with High balances and too many inquiries. I am working on rebuilding my credit and nothing has changed since I applied for these credit cards. In addition, Comenity Bank has reduced my credit limit on both my XXXX and XXXX XXXX credit cards. Their information and inquiries to my account is actually hurting me and I have been a good paying customer.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2016. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Company Response:
State: TX
Zip: 75605
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Comenity Express is refusing to delete inaccurate information from my credit reports which is going to affect me being able to purchase a home. I made a large payment in the amount of {$270.00} in XX/XX/XXXX & didnt see an additional amount of {$31.00} until the month of XX/XX/XXXX. I was under the impression that I paid the entire card off with the last payment & wasnt aware that I even had a past due balance. Soon as I received the email I took care of the past due amount & also never received a billing statement showing that the account had a balance on it. I shouldnt have a 30 day late on my account due to a mistake by Comenity Bank & when I called in XXXX I was told that once the late charge was removed that the credit department would remove the 30 day late upon writing them a letter. I received this letter from Comenity of them not doing a thing that they said they would do. Honestly, this credit account isnt really even helping my credit because of the low limit. Ive been consistent on the payments & shouldve gotten a credit limit increase by now but if Comenity is going to do business like this then I really should cut this card up because I refuse to deal with devious & dishonest customer service practices of a company that isnt willing to help me build credit
Company Response:
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Made a payment XX/XX/2021 and paid in full to a rep who did not stop card so the interest fee made my late fees occur. Months later they fixed the issue but it had already affected my credit report and they will not fix that. They did fix the card fee portion.
Company Response:
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a new XXXX credit card account in XXXX of XXXX. I received my first statement and bill in XXXX, due XX/XX/XXXX in the amount of XXXX. I submitted an online bill payment of XXXX through my XXXX XXXX account on XX/XX/XXXX, with a pay date of XX/XX/XXXX. I received a confirmation number of XXXX and check number is XXXX. XXXX says they did not receive it until XX/XX/XXXX, it was late according to them and I was charged a XXXX late fee. I called XXXX and spoke with XXXX he told me to dispute all fees with Comenity Bank and provided the mailing address. I mailed a letter on XX/XX/XXXX and included screen shots of my online bill payment dates and confirmation number. I received a letter dated XX/XX/XXXX and another bill in the amount of XXXX two late charges and interest. I called back XXXX on XX/XX/XXXX an asked to speak with a Supervisor. I spoke with XXXX and she told me that I would need to prove the date it was received, that the screen shots I sent were not proof. I told her I showed good faith in paying my bill on time by allowing at least 10 days but she told me that it didn't matter- that I am responsible for ensuring it gets to them by XXXX EST. This was my first bill with them, having been a new account that I paid in full and they are continuing to charge me XXXX {$35.00} late fees and interest until I pay. I have opened up an inquiry with XXXX XXXX to see if they can help.
Company Response:
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/XXXX a XXXX XXXX account was open in my name for XXXX. This XXXX XXXX account is inaccurate its not mines and I didnt open it.I lost my wallet in XXXX also my info is on the dark web according to XXXX. They couldnt have used my current ID because I have it if an ID was even used because I have a fraud alert on my account and didnt even receive a call to my telephone number before they ran my credit. I paid a few payments simply because I did not want it to effect my credit score. I thought this would be resolved by XXXX but it isnt. I contacted my credit bureau and still nothing they arent assisting me because XXXX is stating the information is accurate, this been going on for a year. I need some assistance. I have never been late on a payment ever this fraudulent account is coming into my livelihood. I shouldnt be responsible for a fraudulent account.
Company Response:
State: NJ
Zip: 07104
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: ComenitycbXXXX allowed a person named XXXX XXXX to open up a credit card in her name with my social. This was not by accident. She opened up two credit cards ( XXXX and ComenityXXXX ) but Comenitycb will not remove it from my credit report and continue to report it as delinquent. I have given them all the information and am told something different each time I call. Because they allowed her to open up the card, her name and address are now being reported on my credit report which is how I got the information on this person. On XX/XX/XXXX XXXX opened up a credit card under my social. On XX/XX/XXXX she maxed out the card {$1000.00} and never made payments. I found this woman on social media and found a post that she made of the actual receipt. I do not live in Wisconsin nor have I ever visited.
Company Response:
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I open a credit card with comenity bank on XX/XX/2021 till now I dont get my credit card and they are charging me i pay XXXX $ once the guy told me all my payment is XXXX $ know they are calling again to pay XXXX $ more because there was payment remaining but they never try to help me with my credit card and dont send me
Company Response:
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: On XX/XX/XXXX, I reached a payment for agreement settlement with XXXX XXXX, debt buyer for Comenity Capital Bank. I met the agreement and paid in full. Documentation attached. XXXX XXXX deleted the tradeline from reporting to the 3 bureaus but Comenity will not hold their end of the agreement. I provided proof of this settlement agreement, payment proof, and showing of XXXX XXXX XXXX dismissal with prejudice. Comenity Bank responded to 6 disputes through 3 credit bureaus by refusing to remove the tradeline and continues to report derogatory information on late payments from XXXX. This is a violation of the terms of agreement and damaging to my capacity to secure financing.
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A