Date Received: 2022-02-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: COMENITYBANKXXXX XXXX XXXX XXXX. XXXX, Ohio XXXX XX/XX/2022 To Whom It May Concern : While checking my m ost recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. Inquiry was made on XX/XX/2022 by COMENITYBANKXXXX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. - Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social XXXX XXXX XXXX XXXX XXXX number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hi my name is XXXX XXXX and I have been dealing with this issue for about 3 months with Comenitybank/Victoria XXXX My account has been closed for quite some time now however this relationship with Comenitybank/Victoria has been gettting from bad to worse. They are reporting inaccuracies on my credit report across all 3 credit bureaus. The account information that is reporting incorrect is the two late payments for XX/XX/2018 and XX/XX/XXXX 2018 30 day and 60 day respectively, however I have never had a late payment with this account and all my payments were made in store and on time for this account.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My complaint with Comenity Bank. I contacted them and after they did their own investigation it was determined that I wasnt responsible for the debt. I would just like for the three credit reporting agencies to completely remove and existence of this from my credit report.
Company Response:
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
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 late payments on the dates below : 30 days late as of XX/XX/XXXX & XX/XX/XXXX ( XXXX Only ) 60 days late as of XX/XX/XXXX ( XXXX Only ) 90 days late as of XX/XX/XXXX ( XXXX Only ) These are on XXXX only, XXXX and XXXX are not reporting late payments. 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 statements did not get to me.
Company Response:
State: TX
Zip: 75092
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Struggling to pay your bill
Subissue: Filed for bankruptcy
Consumer Complaint: My recent Credit report is still showing the same Bankruptcy issue which I have already addressed to the XXXX bureau in my previous written complaints. The bankruptcy 's file date was incorrect and outdated. Make sure to provide proof that the filed date which you confirmed was correct. Send to my address a copy of the papers which shows that the bankruptcy was filed in XX/XX/2019. Here are the accounts that I am disputing : COMENITY BANK/EXPRESS XXXX Balance - COMENITYCB/XXXX XXXX Balance-
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I XXXX XXXX XXXX wish to file a legal complaint against the company called XXXX. I Opened a credit card account back in XX/XX/XXXX. I decided 4 months later in XXXX of XXXX. I did not want the account anymore. Back in XX/XX/XXXX ... I made the final payment of {$54.00} that was owed on this acct. On XX/XX/XXXX. I demanded this acct. be closed asap because I no longer saw any reasons to continue business with this company. XXXX XXXX extortion practices start. After XX/XX/XXXX, XXXX and My acct. is officially closed. There was no reason for me to be receiving any billings from XXXX XXXX XXXX XXXXXXXX after XX/XX/XXXX. Suddenly, I get another electronic bill for {$2.00} from this XXXXXXXX XXXX XXXX XXXX after paying a closed acct. off in full amt. of {$54.00} on XX/XX/XXXX. Apparently, XXXX is continuing to keep sending me bills on an already closed acct. How XXXX can this XXXX XXXX be to keep thinking that I am going to keep paying finance charges that they took upon themselves to keep trying to charge me on a closed acct? XXXX, no I dont think so. I owe this co. XXXX not one more dime! This is the message I receives after my paying the full bal. of {$54.00} off! How is it XXXX is clearly aware of this acct. being closed but continues to extort me continuing to keep charging me finance charges on a closed acct. that XXXX knows at my request is permanently CLOSED! Message # 1 here : If you would read above, I should not be receiving any more notifications from this XXXX XXXX after XX/XX/XXXX. Why is this XXXX XXXX keep on trying to bill me on a closed acct.? If they had any change in their co. policies and posted in my closed acct. on XX/XX/XXXX, and my acct. was closed on XX/XX/XXXX, then officially I am no longer an acct. holder after XX/XX/XXXX... So, what this XXXX XXXX post as far as their terms STARTING on XX/XX/XXXX has absolutely nothing to do with me due to me no longer be an acct. holder as of XX/XX/XXXX. This is where your agency comes in. This is against law. This co. can not and will no be scamming me out of one more dime when I have no balance with them at all after payment in full! Just look at the continue billing below here. This XXXX XXXX is harassing and extorting me. This is something I know you people deal with so get this mess of extortion and harassing me for more money to stop! Look at message # 2 ( see attachments ) what should I be liable for any bills after I closed this acct. paid the acct. off in full XX/XX/XXXX? As of XX/XX/XXXX, paying this acct. off in full I then started to get bills like this in my email? XXXX After paying the account of in a zero balance I continued to keep getting billed on a closed acct! As of today XX/XX/XXXX, I decided to place a call today to this crazy company after looking at my email and getting another e-bill today for {$30.00} I can not understand why I am getting a bill on an account thats been closed since XX/XX/XXXX. XXXX do not own me for life XXXX is wrong with these people? these people XXXX catalog credit card company under the direction of XXXX XXXX is continuing to keep trying to extort me for monies I do not owe! Just plain old EXTORTION bottom line! the first payment I kept seeing was a two dollar and some change in the next payment kept coming at two dollars and some change again and again and again! I could understand what this company keeps billing me to the point whereas some added charges on a closed acct. adds up to {$30.00}. these XXXX XXXX people know XXXX well they can not keep billing me on a closed account. How do CONSUMER PROTECTION AGENCY keep allowing a company like this XXXX XXXX to charge consumers finance charges on closed accounts when you the consumer no longer have the account opened?
Company Response:
State: OH
Zip: 45014
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: 2022-02-22
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 COMENITY BANK/EXPRES account with the account number XXXX and XXXX was marked as Charge-off with an identified balance of {$19000.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Date of Last Activity ''.
Company Response:
State: MI
Zip: 48310
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Community bank website constantly declines log in or password, so I have no access to my account and funds. I repeadly contacted bank with no avail.
Company Response:
State: WI
Zip: 53217
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This account with CB/WAYFAIR XXXX has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Company Response:
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 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 dental office for XXXX 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 Plaintiff v. COMENITY BANK/CAESARS, Defendant '' " 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 one thousand dollar debt, I have never made a payment. Allow me to understand why my credit reports shows that XXXX ( XXXX ) 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 Comenity 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 dental procedure. 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
Company Response:
State: FL
Zip: 34698
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A