Date Received: 2022-03-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I sent ComenityXXXX credit card company a Goodwill letter after being advised to do so by customer service. When I spoke to customer service I explained exactly what happened and she said that she could see exactly what I was talking about and that I definitely should dispute the report of the 30 day late payment on my credit report. She recommended I write a letter saying it was my fault and I was truly sorry for the mistake. She said I would have better luck pleading for forgiveness than challenging them. She said If I had any way to remove it myself, I would. I can see how unfair this is to you. I did what she said to do and wrote the letter. ( Although I had already filed disputes with all 3 credit bureaus with the actual facts and mistakes they made. Those disputes were denied. She said it was because I challenged them. So, I tried her way. It was still denied. I am unable to speak directly to anyone who has authority to make corrections on my account. I feel as if every customer service representative I speak with looks at the information and clearly sees the mistake, but theyre unable to change anything. Only the people who hide behind letters without any conversation with me are able to correct the mistake? They just deny my dispute with a generic letter. It is the one and only late payment on my credit report, ever. It is unfair. Ive put so much of my time into this, just for the sake of fairness. I doubt it hurts my credit score, but the point is that its that they made the mistake, not me. Its wrong. I feel very helpless and alone going up against a large company. I feel unheard, as if I dont matter. Ive filed multiple disputes over the years, they dont care.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Asked for a card for my box as a user. Came back with cant verify my information from credit reporting company. Funny my number and address is on there. This happened when I asked for a line increase also. So I spent hrs contacting all three credit companies. Also they have my information address phone checking account ect. Ive learned this bank can hire US people so the quality of service is a solid -99 %.
Company Response:
State: ID
Zip: 83815
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
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: The account reporting on my credit I have no knowledge of the account. I have reached out and sent multiple disputes to the credit bureau requesting validation and verification of the account that I'm unaware of doing business with I got no response, I have also reached out to the creditor and neither have responding.The information reporting on my credit report does not match across each bureau. The account numbers per each bureau is not the same, the dates open is not the same per each bureau as well as the balance. No investigation could've been done no remarks of account was in dispute.
Company Response:
State: VA
Zip: 23235
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, XXXX XXXX submitted an online payment to Comenity Bank to pay off balance on an interest free promotion program. I contacted the bank several times on XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX after noticing that my XXXX XXXX Bank records showed that the check had been received but had not been cashed. I called XXXX XXXX on XX/XX/XXXX to find out the status of my payments and the representative contacted Comentity Bank on a recorded line which has since been transcribed as proof of payment for me. The Comenity Bank representative stated that they had not received the check and that it might have been lost form the lockbox. It was suggested that a stop payment be issued. and an ACH be issued instead. The amount that I was told was due was {$140.00} and XXXX XXXX provided the Bank XXXX routing information and I provided my account number and authorized the payment. The Comenity Bank representative provided me with a confirmation number and told me that I would receive a statement showing a zero balance due. The statement I received in XXXX reflected interest and late charges for non payment. I contacted Comenity bank on XX/XX/XXXX and was told that there was no record of any payment ever being issued. I issued a dispute and 3 days later, I was reported to all 3 Credit Reporting Agencies as having a delinquent payment. I contacted Comenity Bank Customer Service on XX/XX/XXXX and was told to issue a letter to the Disputes Department. I received a letter dated XX/XX/XXXX from Comenity Bank stating the wire payment in the amount of {$140.00} was not processed due to a system processing error. Comenity Bank now maintains that I owe {$170.00}. I refuse to pay more than was told that I owe Comentity -- I will jot pay finance charges that are due to Comenity 's inability to collect checks from their lockbox and to process a wire. Furthermore, my request to Comenity to rectify the wrecking of my stellar credit record has gone unanswered. Reporting an account in dispute to the credit reporting agencies is against the Fair Credit Reporting Act. I have sent certified letters to XXXX XXXX as we'll as to Comenity 's Bank Dispute Department and the response form the Credit Department is to the effect that I owe finance charges due to the expiry of the promotion balance. If. Comenity was able to deposit checks from the lock box and/or figure out how to process an ACH payment, there would be no finance charges. I refuse to be charged for Comenity 's Banks negligence and ineptitude. I have filed a formal compliant to the XXXX of OH and have made Comentity Bank aware that my complaint of the same nature has been filed by thousands of their card holders. All of this has fallen on deaf ears. Just today, XX/XX/XXXX, I received a letter from Comity stating that the investigation of my third dispute has concluded and that I owe finance charges despite the fact that on XX/XX/XXXX, the Bank acknowledged in a letter dated XX/XX/XXXX that my wire payment on XX/XX/XXXX had not been processed due to a system processing error.
Company Response:
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I pay the full balance on my credit cards on time every month, but on XXXX XXXX, XXXX, I was late by a few hours from the cut-off time and paid the full balance, {$370.00} for BJ 's Perks XXXX Mastercard by Comenity Bank XXXX XXXX pm on the due date. ( I had been scheduling the payment on my mobile phone that afternoon, my phone died before I completed the process and I couldn't charge the phone until I was back home later in the evening. I called the representative to explain the situation but could not have the prospective late fee waived because I had a previous late payment incident a few months before, unfortunately. All my other credit cards are always paid on time, but it just happened that I was in unfavorable situations on the payment dates for the BJ 's Mastercard two time that were quite close together. ) So the following month, the billing statement included a late fee and interest charge, for which I paid the full balance ( purchases XXXX + late fee 35 + interest charge XXXX = {$230.00} ) on time on XXXX XXXX. But again this month, I was surprised to find another interest charge ( {$5.00} ) in the billing statement ( due on XXXX. XXXX ). I called the credit card company to have the error rectified, but got an answer that it was NOT an error and it was due to the residual interest. I had never experienced a residual interest issue before. Is it legal to charge interest two months in a row when there was only one incident of late payment? The supervisor on the phone told me that I should have asked to pay off the interest IN ADVANCE over the phone when I was late in payment in order to avoid a residual interest charge. It still didn't make sense to me because what she refers to is the interest that was charged the first time. And if the residual interest was generated at all, it shouldn't have been as big as the initial interest charge, should it? How can the interest have accrued that much after I paid the full balance in XXXX and again in XXXX? When I talked to a second supervisor, he informed that the residual interest policy was newly implemented since XX/XX/XXXX, but when I checked my previous statements, nothing of that sort could be found for my first late payment which happened back in XXXX. I find Comenity Bank 's fee policy dubious and deceptive.
Company Response:
State: NY
Zip: 14221
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: CA
Zip: 94546
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a issue with COMENITY BANK keeping closed accounts on my credit report when I spoke to a representatives she told me it could take up to XXXX to have close accounts removed from my credit. This is XXXX! It close to 5 Months since these accounts were close AND IF CREDIT REPORTS ARE UPDATED EVERY month WHY ARE they still THERE. It takes less time to add bad report on someones credit. I NEED something TO BE DONE.
Company Response:
State: OH
Zip: 45240
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment on my sisters account once in XX/XX/2021, using my bank account and I did not click or authorized Comenity Bank to save my information now since then Comenity Bank have been charging me the payments she made using their automatic system and even though shes been asked to verify the bank account number shes using to make the payment and the system verifies the correct bank account Comenity Bank still charging me for her payments for the months of XXXX, XXXX and XXXX I called Comenity Bank and spoke to XXXX, who kept me on hold for more than 30 minutes to get a manager because she didnt know how to resolve the issue and at the end she never got the manager on the line, then all of the sudden the call got disconnected, we called back just get someone else and start all over again the representative didnt know how to delete my account from my sister Comenity bank account, he got a supervisor named XXXX also in the same office as the previous representative location ( XXXX XXXX ) and she didnt know either so she got a specialist in checking and savings accounts on the line named XXXX employee number XXXX in XXXX XXXX that didnt know how to resolve the issue as well, he was very unprofessional antagonizing me telling me I didnt need to be on the call because the issue was on my sisters account that I was insulting him all this because I asked to speak to his manager or to have his manager to call me back he refused and the solution that he provided was for my sister to make the monthly payment this time on the phone I asked XXXX to follow up the allowed time to check if the account was removed and give my sister a call back and he flat refused to do that, however my account still on my sisters account he didnt remove that information I was so irritated and aggravated after 2.5 hours on the phone and him antagonizing me telling me that I was been disrespectful that I called him XXXX, then he says see you are now disrespecting me and hang up the call all he was doing was trying to get a reason to disconnect the call because he didnt know how to resolve the issue, when the payment was made using the easy pay option I never authorized Comenity bank to save my information, my sisters account can be look up by her name XXXX XXXX phone number XXXX and mine is XXXX XXXX XXXX my phone number is XXXX Comenity Bank can access or look up the accounts with this information I want my bank account ending on XXXX completely remove from my sisters account
Company Response:
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00}
Company Response:
State: CA
Zip: 90660
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ive written to inform Comenity/XXXX XXXX XXXX and requested a change of status on my credit report for a 30 day late payment for {$70.00} with all credit agencies that was reported to, it was false information due to a mistake made on their part in their system that was explained to me on XX/XX/2022 when I called and spoke with the representative about this matter he explained to me that it showed me being late but that it should not be because I was entered into a program that closed my account in XXXX, 2022 and put me on new scheduled payment arrangements with no interest and a new payment of {$34.00} with the first payment starting in XXXX on the XXXX and my first payment was made on time and that at that moment I was actually current with no payment due until XX/XX/XXXX, I was not made aware of any unpaid balances or past due payments due at the time of closing out with the new payment arrangement, I have always for years made good on my account to avoid any negative reports on my credit, it was explained to me that it was a mistake on their part due to the changes but that it was too late to stop the negative report that had been made but that he would make notations and that I should dispute with the credit agencies and that by my next payment due in XXXX their system would have updated my account and corrected my status from having a past due amount and late over 30 days, Ive been unsuccessful in getting the dispute corrected on my own directly with the credit agencies so Ive written this request directly to ComenityXXXX XXXX XXXX to correct these negative reports on behalf of the information that was provided to me, Ive since then called comenity multiple times and was told that my account was current! I even made payment early for XX/XX/XXXX scheduled payment of {$34.00} and now theyve just recently reported a second 30 day late for the month of XXXX which has been paid and satisfied before the due date of XX/XX/XXXX, so now I have two 30 day late payments for XXXX and XXXX that are incorrect and no one seems to be taking the initiative to correct this matter that has gotten worse from 30 days past due amount of {$70.00} and {$100.00} in XXXX to now another reporting to the credit bureau that Im 30 days late again for XXXX! Before these incorrect negative reports My credit score was over 700, these mistakes made on behalf of ComenityXXXX XXXX XXXX has taken my credit score down to the 500s instead of them correcting the XXXX report somehow they have submitted another negative report for XXXX which is all false reporting That has impacted my status with all credit agencies as negative tremendously
Company Response:
State: IL
Zip: 60423
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A