Date Received: 2022-03-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: the following accounts are on my credit report as charged off. they were included in a XXXX XXXX bankruptcy. I sent letter ( XX/XX/21 ) to them. But most updated my credit report incorrectly. changed the balance only to XXXX but still left it as charged off. XXXX XXXX XXXXXXXX sent a letter saying they were going to update the credit report but have sold it. they are as follows. XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX mn XXXX comenity bankXXXX XXXX XXXX XXXXXXXX XXXX oh XXXX comenity bank/ XXXX, same as above comenity bank/ XXXX, XXXX XXXX XXXX, XXXX oh XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX
Company Response:
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a bill for {$1300.00} due on XX/XX/2022 for Comenity Capital Bank ( XXXXXXXX XXXX XXXX credit card ). I paid in full on XX/XX/2022. On XX/XX/2022, I noticed that the money was still sitting in my checking account. I called my bank ( where the checking account is ) to see if they ever received the ACH. They told me no. I then called XXXX XXXX who said that there was no issue with the payment, and it was delayed due to XXXX 's XXXX. On XX/XX/2022, I logged into my Comenity account where it said that the payment was returned/cancelled on XX/XX/XXXX. Comenity gave me no notice and no explanation why. I have scheduled another payment for XX/XX/2022, but I suspect that Comenity will find more reasons to delay, cancel, or somehow interfere with the payment going through. This will give them the opportunity to charge interest and late fees. I have never been late on a payment in my life. I wish Comenity would accept my payment.
Company Response:
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
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: On XX/XX/XXXX, I submitted a request to XXXX XXXX to reinvestigate accounts on my consumer report. I received the results of that investigation on XX/XX/XXXX. The results of the investigation included a message that XXXX XXXX investigated the items from COMENITY BANK/VCTRSSEC, COMENITY BANK/XXXX , COMENITY BANK/WAYFAIR XXXX, COMENITYCAPITALBANK/THE and verified that they belonged to me. The items still included multiple inaccuracies and FCRA violations. I submitted another reinvestigation request on XX/XX/XXXX in hopes of correcting the errors from the XX/XX/XXXX results. My letter included a request for the description of the reinvestigation procedure pursuant to 15 USC 1681i. I specifically asked for XXXX XXXX to provide the names, phone numbers and business addresses of each individual with whom they verified the accounts at COMENITY BANK. XXXX XXXX violated this law by refusing to provide the information as requested : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Additionally, since XXXX XXXX verified that the items belonged to me, I requested a copy of the binding agreement containing my signature and account number from COMENITY BANK for each item. XXXX XXXX completed the investigation on XX/XX/XXXX and stated again that the items were verified as belonging to me without doing a proper investigation. XXXX XXXX and COMENITY BANK failed to provide a binding agreement for the items they verified as belonging to me. XXXX XXXX and COMENITY BANK violated 15 USC 1681s-2 by reporting information with knowledge of errors. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information re lating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Furthermore, XXXX XXXX and COMENITY BANK did not clearly note that the items were disputed. They vi olated 15 USC 1681s-2. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement o f a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
Company Response:
State: LA
Zip: 70068
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have reached out to the company several time I sent in a copy of my identity thief report this account is still being reported on my credit.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The company is not verified by the state of Florida as a licensed collection agency that is legally bond to collect a debt. The company has been reporting false collection information to all three of the credit bureaus.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an account with XXXXXXXX XXXX via XXXX. They contacted me when I opened the account in XX/XX/2021, and I charged around {$1200.00}. I laid out a plan to pay around $ XXXX {$300.00} a month until my last payment in XXXX so I wouldn't incur any additional fees or interest as this card was a no-interest credit card. I paid all payments, and they now claim I owe over {$300.00} in fees and charges for some reason. I had returned the yellow bench and two of the chairs had to be replaced because they arrived broken. They credited me back for the yellow bench but I am hereby disputing the amount they have on my account and I have requested statements and a payment history so I can assess what fees and interest had been incurred and why it wasn't paid off at the end of XXXX. I believe they failed to remove the charge for the bench, and I believe they continued to incur fees despite having told me on this call that they would remove the cost for the bench since it broke and they failed to send a repaired one. I ask they please show me all of the fees, costs, payment history, credits, account call notes, and explain the remaining balance. I asked this over the phone already but they failed to mail me any statements that I could review.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have contacted Commenity Bank concerning my Victoria secret and XXXX XXXX account I opened in XXXX, that went into delinquent in XXXX. I have requested them to email me all the payment records and information on whom the sold the account to. I have been given inaccurate information and will like for the Fair Credit to investigate this matter. My credit report states that I made payments in XXXX in which was false. I lost my job in XXXX and was unable to pay my credit cards and car note. I stop paying both credit cards in XX/XX/XXXX. I was told by Commenity Bank my accounts was sold to XXXX XXXX, but when I contacted XXXX XXXX they was unable to locate me in the system. XXXX XXXX attempted to use my social security number but still was unable to find me in there system. I called Commenity Bank back and explained what the representative told me from XXXX and still got the same information again. Commenity bank does not provide accurate information to consumers and is not following the guidelines of CFPB. Commenity is selling consumers information to unknown companies and risking identity theft to people like myself. On my credit report Commenity Bank does not have a phone number, I had to XXXX this address to call them. This is company is fraud and if I dont receive the information I need, my next step is to get a law suit in place. I should have a option to know where my information went and be able to have the option to settle the debt. Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number None provided - Comments Transferred to another lender Purchased by another lender
Company Response:
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity Bank for XXXX account is closed due to the company original company changing, so they closed it which was the grantor choice, but I was always making payments and this time missed a payment, finance charges/ interest fees/late fee charges for acct that's closed that I been paying on since 2020. Never rcvd letter it was even closing the acct. They have excessively repeatively contacted me and if you look at the history payments were on time, nothing reported as a non-payment on my credit report. This month they didn't tell me that they would report it to credit bureau and they did and that made me lose XXXX points. The payment was still made this month and it is not even XXXX for them to report a late payment or no payment for XXXX. I would like to file a complaint for them blocking their number to call me, calling me from 2-3 different numbers, and even after speaking to them that I was going to make the payment they still called me numerous times during the day, during the weekday everyday, and in on weekends. Even at night time, it was after XXXX or around XXXX a few times. According to FDCPA laws, you only can call me 7 times in a 7 day time period even if I answered or not. They are in violation. XXXX
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: " Commenity Bank '' has been calling me for the last 2 months asking for a XXXX about a " Good XXXX Rewards Card ''. The problem? 1. I didn't even know Commenity Bank existed before the calls started coming in, which averages about 5 a day, Every Day, at all times during the daylight hours. 2. I'm not XXXX, nor do I know a XXXX. When I look up the name ( of course, this could be a different person ), it leads me to a doctor that died a couple years back. 3. They call from 3 different numbers, and it's painfully obvious that the voicemails they leave are from autocallers. 4. They sent a couple texts with links, but those links lead to sketchy websites that scream " scam '' to me. I put " Commenity Bank '' in quotes, because I can't even be sure it's a real bank. From the research I did, this isn't a new occurence. I blocked their numbers, and they still leave me voicemails with Waiting Music and the same " Stay on the line for an important call. '' Prerecorded message. The 3 numbers in question they've been calling me from are XXXX, XXXX, XXXX.
Company Response:
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I authorized the payoff balance of my XXXX XXXX XXXX Credit Card for {$3200.00} in order to close out my account that would then result in a {$0.00} balance. The payoff amount was automatically generated to cover any and all interest charges on the account during the timeframe of the payment. The payment posted on XX/XX/XXXX. Five days later on XX/XX/XXXX my bank account was credited back {$25.00} which was stated to be a credit refund ( attached for reference ). On XX/XX/XXXX I was sent a statement stating that I now owed a balance of {$23.00} for interest charges ( attached for reference ). Immediately after receiving the statement, I called the customer service line to inquire on the recent charges of {$23.00} that were now showing I owed. The customer service rep apologized for the confusion and stated that I did not owe any charges and my account would in fact remain at {$0.00} as it was at the time it was closed out on XX/XX/XXXX. Right after XXXX, I had been taking care of my elderly XXXX who contracted XXXX XXXX and had gotten extremely ill so I will admit that I hadnt been up to date on staying on top of my emails after the XXXX XXXX however to my knowledge my account had been closed out for an entire month after paying off the balance IN FULL back on XX/XX/XXXX. I did not ever think that I would have to worry about later posted fees that would be assumed I now owed? Now, almost 3 months later the balance is STILL showing as owed on-top of multiple late fees acquired which have in fact affected my credit score to decrease. I made one final phone call this afternoon to the customer service line and even requested to deal with a manager level rep who not only informed me that there was nothing they could do about the charges now being owed but also stated there is no history of ever crediting my account for {$25.00} ( which would have covered the later posted interest charges ) when it is clearly stated directly on the statement received on XX/XX/XXXX ( highlighted and attached ). I have not only been lied to twice now but have wrongly been credited back an amount just to acquire another charge at a later time. It seems this was done on purpose for closing my account. This is fraud.
Company Response:
State: PA
Zip: 15317
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A