Date Received: 2022-02-13
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Dear Comenity bank I XXXX XXXX the Living in person have tried to once & for all dispute this account on XX/XX/XXXX however after multiple attempts I have not been successful after reaching out by phone & demanding to speak with a supervisor I was told Comentity bank agent XXXX told me they could not discuss my account with me & that she couldnt answer any of my questions pertaining to Comenity bank still illegally furnishing on my consumer report while my account is still currently under investigation as well without my consent the original XXXX XXXX living person! You still have & continue to use these practices violating my Federally Protected consumer rights 15 usc 1692 ( 6 ) ( a ) ( 2 ) ( 3 ) ( B ) pursuant to 15 usc 1692 ( d ) ( I ) following 15 usc 1692 ( e ) 15 usc 1692 ( j ) Pursuant 15 usc 1611 Willing-fully and knowing Comenity bank reported a stays update on XX/XX/XXXX, Two late fees on XX/XX/XXXX consistently Voilatiang my rights accordingly to the TILA Pursuant to 15 usc 1692 ( k ) ( a ) I Demand you refund on all any & all payments made on the account social ending in ( XXXX ) since the account has been opened on XX/XX/XXXX I wish to rescind on all contract pertaining to my childrens place credit card account because of Comenity Bank illegal practices I have suffered from the information was shared with third party agencies 15 usc ( 13 ) Discrimination in the process of buying a home, leasing or financing a vehicle for me & my children Comenity Bank has cause me pain, suffering, frustration, time money ect..
Company Response:
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: While checking my personal credit report I noticed an inquiry made by COMENITY BANK/ XXXX XXXX XXXX I did not authorize anyone employed by this company to make an inquiry and view my credit report. I request that a copy of my signed auhtorization that gave them them the right to view my credit.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
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: I received my credit report from XXXX. I filed a complaint with them. The complaint was simply there is another person with my name that has a credit card I had, and I closed my credit card with that company. The other person with the same name as me ( and my name is common ) has a open/current account with that credit card company. XXXX wrote me back and said all my information is correct. And all my information about me is correct. The problem that there is another person with my same name ( and her account is in good standing ) that is on my report. The credit card must of got us mixed up because we have same name and credit card. What the bottom line is I closed my account with that credit card. There is one currently open that is not mine. I just wanted her name and account removed because that particular account is not mine. I am wondering if XXXX even looked at the situation closely. If they did, they would seen two accounts with the same credit card. The difference is mine is simply closed and hers is open. How hard is that. But there are 2 different account numbers that I told XXXX. If they looked at it, they could see that the credit card put the other person with my name ( she even lives in the same city as me. I don't know her personally, but I know of her. Why? Because she also actually goes to the same dentist as me! The dentist came in and said I have not been in awhile, and I said I did. They checked the record and seen the other person with my name has not been in awhile. Anyway, I know me and her don't have the same social security numbers, but this credit card made a mistake. Thank you.
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
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 am a victim of identity theft and breached by several data breaches. I wrote to the three XXXX XXXX on XX/XX/2021 and XX/XX/2021 disputing the errors in this account. the three XXXX XXXX advised me that they sent notice to this company which included my disputes, and the company responds as the account has been verified as accurate, according to 15U.S Code 1666 15U.S. Code1681 15U.SCode 1692 Only I can validate a debt, have the right to privacy and if a consumer disputes a billing error, the error can not be reported while under investigation.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Comenty bank XXXX its not my account
Company Response:
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: While checking my credit report, I notice an account from Comenity Bank /Zales XXXX that I believe is not being reported correctly on my credit report. On XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that Comenity Bank /Zales XXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Company Response:
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have an account with comenity XXXX, the company closed the account XX/XX/XXXX, so paying my account off by making payments on XX/XX/XXXX was my do date I was late, trying get the money together to pay the account off and that what I did I received a late payment fee which I knew that going to happen, so I call to ask if they would remove it because I wouldn't and can not pay for the late fee, the balance was XXXX and that's what paid because I know I would not the money to keep making payments so paid the balance they told since my account was close they couldn't remove late fee but they can add interest on the late fee and add a late fee for a none pay on the late fee just want to move on I don't have to paid
Company Response:
State: OH
Zip: 44094
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: To whom it may concern, Thank you for service. This complaint is concerning a Victoria Secret credit card account. This account was opened XX/XX/XXXX. It reports on my consumer file as CB/VICSCRT. This account was closed and charged-off as a bad debt and sold to XXXX ( XXXX XXXX XXXX ). I paid the account if full to XXXX XX/XX/XXXX. They in turn removed there mark from my consumer file. This account is closed and reports to XXXX ONLY as CLOSED, PAID IN FULL by Victoria Secret and still remains on my consumer file today. A cancelled debt or a charge-off is considered income according to the most recent IRS instructional publication. Furnishers of information are required to report debt to the consumer reporting agencies, not income. Why is this account still being reported? Victoria Secret never sent me a 1099c. 15 U.S. Code 1681s-2 clearly states the duty of furnishers of information. Its states they shall not furnish any information relating to a consumer to any consumer reporting agency if the person ( corporation or company ) knows or has reasonable cause to believe that the information is inaccurate. I have put them on notice numerous times. I have disputed this account personally over 10 times and have hired 2 separate companies to get this item remove from my consumer file. The inaccurate reporting of this account has been detrimental to me and my familys ability to obtain credit and to qualify for a XXXX Veteran Home Purchase. I am demanding that Victoria Secret remove this inaccurate and invalid information from my consumer report because they are in clear violation of the law. Thank you for your time, XXXX XXXX
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XX/XX/XXXX {$0.00} XXXX COMENITY BANK XXXX XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Company Response:
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: RE : Account XXXX - payment protection/debt cancellation credit card add-on. I have payed for this add-on through my credit card company ( Comenity Bank XXXX XXXX in case of unemployment, XXXX, etc. Unfortunately I had to submit a claim to Account XXXX since my job laid-off a group of people from my company. I contacted Account XXXX on XX/XX/XXXX, since you can only submit a benefit request XXXX days after the loss date. On XX/XX/XXXX, Account XXXX stated that they were going to mail some paperwork within XXXX business days so I could get started on my claim. They suggested I sign up for an account online to keep track of my benefit request. I created an account and submitted XXXX of the forms they request, which is a " Former Employer Statement Letter. '' I also submitted my letter from the state unemployment office, stating that I was approved to receive unemployment from the state. On XX/XX/XXXX : XXXX. I still have not received any paperwork through the mail XXXX. I logged into the account to see if there was an update and they said that I needed to submit another unemployment form from my state, showing that they paid me unemployment benefits. XXXX. I submitted the necessary paperwork from the unemployment office. On XX/XX/XXXX : XXXX. I resubmitted the paperwork with added information ( benefit number ). It states on their website that they will take XXXX business days to review. On XX/XX/XXXX : XXXX. I tried logging into my account to review any updates that they might have sent, and the site is not loading. XXXX. I tried calling their customer service to let them know that their site was down, but their phones were down. I called every day since, and they said their call center was down due to technical difficulties and that they weren't able to take any calls. XXXX. I have tried loading the site every day since, and still to this date ( XX/XX/XXXX ), the site is still not loading, and now it's not appearing on a XXXX XXXX. The site has been taken down and I can not access it. On XX/XX/XXXX : XXXX. I call Comenity Bank to report that Account XXXX, the add-on that they allow their customers to use, is not picking up their phone and/or their site is not loading. Their customer service rep was having issues connecting on the phone with Account XXXX. I told them I wanted to cancel Account XXXX XXXX monthly recurring charge from my bill. The rep said that they could note that I want to cancel the service but that I need to call Account XXXX to cancel the service through them as well. XXXX. That call with the Comenity Bank rep was disconnected, so I called again and was able to speak to another customer service rep. This time, that rep was able to do a conference call and was able to connect with Account XXXX XXXX. I noticed right away that the phone menu for Account Assure had changed, and instead of giving options to speak to the correct customer service rep ( i.e., start a benefit claim, check on a benefit claim, etc. ), it just says " All of our agents are currently busy, please hold for the next customer service representative. '' XXXX. I waited XXXX minutes for someone to pick up the phone. The Account XXXX customer service rep stated that he only submits new benefit claims, and that he's unable to give me information on my account. I informed him that their site is not loading and that I have been trying to contact them through the phone and online since XX/XX/XXXX. He told me that it's the wrong department and that I should call XXXX. I informed him that it was the number that I was calling. XXXX. I asked to speak to a supervisor. I was connected with a Team Leader, who informed me that they'll submit my inquiry to their Response Team and that they'll get back to me within XXXX business days. I told him that I do not want to wait any longer, that someone should contact me today. On XX/XX/XXXX : XXXX. I called Account XXXX, this time only waited about XXXX minutes. The phone menu was still the same as the previous day. The Account XXXX customer service rep informed me that he only submits new claims. I asked if they could transfer me to the customer service reps that help customers that have already submitted a claim, and he said that they don't have anyone, that they can submit a request to their Response Team and they'll contact me within XXXX business days. XXXX. Their website is still down and you can not find them doing a XXXX Search. It seems to me that this business is doing some shady things and trying to hide it. I should be able to access my account online and I should also be able to speak to the correct customer service rep. I'm still getting charged monthly for their services through Comenity Bank. I have been paying for this service since XXXX and should be able to get approved for a claim quickly, since unfortunately I lost my employment in XX/XX/XXXX. On the technical side of things, I have tried loading their website using private windows/incognito on both my computer and phone. I have also cleared my cache/cookies on both as well. The Account XXXX website has not loaded.
Company Response:
State: TX
Zip: 77301
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A