Date Received: 2022-02-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX XXXX I sent a letter containing : Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Without my written consent I have attached an invoice per violation. You are reporting inaccurate and incomplete credit information. The credit report you provided shows a history of payment or payments being made late that are not proven and are incorrect. I demand that you -- as REQUIRED BY MY STATES LAWS and also by the FEDERAL LAWS that govern your behavior while dealing with consumer reports to include your RECEIPT and or your REPORTING of them, to fully document in testimony to every single one even each any and or all of the facts related to this allegation withstanding none. I have contacted the creditor and they have stated that they are unable at this time to document these payment irregularities, by omission the creditor
Company Response:
State: CA
Zip: 92404
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO XXXX XXXX XXXX ( XXXX ) ( XXXX ). I HAVE A RIGHT TO PRIVACY ACCORDING TO XXXX XXXX XXXX ( XXXX ) ( XXXX ), AND MY PRIVACY HAS BEEN BREACHED.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I had received a letter in the mail from Comenity Capital Bank, saying I sent a recent application for XXXX CREDIT credit card account. This was Not me! I did not apply for a credit card I have never even started to build my credit at all! Someone used my social to apply for a credit card. Someone knows my social and is using it! It states Your credit score as of XX/XX/2022 : was not able to be calculated because of inability to verify your previous credit experience I want to know if I can also get a new social because someone knows my numbers and I dont want this to happen again.
Company Response:
State: CA
Zip: 92316
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On Sunday XX/XX/2022 Comenity Bank contacted my mother and a place of employment, which I have not been associated with in over a year. They left a message on the voicemail at the previous employers and also on my mother 's cell phone. They left private information like my name and that they are attempting to collect a debt. I made a payment on this debt this month, and plan to continue to make payments. I was about 3 months late, but the payment was made and cleared on Monday, XX/XX/2022. I have had issues with this company in the past contacting family members regarding my account and I have already filed one complaint, and they are now doing it again. They are also contacting previous employers of mine. This is ridiculous. They should not be calling family member or employers and leaving personal messages on voicemails. Apparently this is something that Comenity Bank is known for and they clearly do not care if complaints are made against them because they continue to practice these unethical debt collections. I made a payment of {$100.00} this month, so there is no reason for them to be calling. They have only tried to reach out to me once, which was yesterday, about this debt. They did not even give a chance for me to call them before they started calling family members and past employers. Also, calling places of business on a weekend and leaving voicemails regarding my personal business is a violation of my privacy.
Company Response:
State: SC
Zip: 29316
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have fallen behind on some of my debts. However, there is no reason that Commenity Bank ( phone number XXXX ), should be calling me 5-6 times per day everyday. I am aware of the FDCPA laws that collection agencies must follow. Just today ( XX/XX/22 ), I have received 3 calls before XXXX. The calls came in at XXXX, XXXX, and XXXX. These are clear violations of FDCPA and is HARRASMENT. I have attached below a screen shot of the calls on XX/XX/22 that came in at XXXX and XXXX.
Company Response:
State: IL
Zip: 60659
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My credit card limit with Victoria 's Secret by Comenity bank was decreased and then the account was closed due to inactivity. I opened this account in XXXX of XXXX, it was one of my longest standing credit accounts. I managed to increase my limit up to XXXX before it was closed due to inactivity. First they reduced my limit to XXXX over only XXXX missed payment. Then shorty after I paid off and brought my account back to current, they proceed to close my account due to " inactivity! '' I had used the account in the Summer of XXXX. All of this occurred in a matter of XXXX months. This closure of my longest credit card has significantly negatively impacted my credit score.
Company Response:
State: TX
Zip: 77023
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: 1. COMENITY - XXXX XXXX XXXX 2. Payment due date : XXXX of every month 3. XXXX payment submitted on XX/XX/2022 via USPS with Tracking # XXXX XXXX XXXX XXXX XXXX ). 4. USPS delivered payment on XX/XX/2022 5. Comenity held payment until past the due date and processed payment on XX/XX/2022 6. Contacted Comenity Customer Service ( XXXX ) XXXX on XX/XX/2022 upon receipt of XXXX statement with a Late Fee Charge of {$29.00} and Interest Charge of {$17.00} ; spoke with XXXX, Customer Service Rep and XXXX, Supervisor and both declined to remove the late fees and interest charges claiming that the account did not qualify for a reversal of said fees/charges despite providing the payment tracking information and history.
Company Response:
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My XXXX Credit Card Accounts issued by Comenity Bank was closed without any notice or explanation. I did not request this closure, my account was in perfect standing with a credit limit of 1900 no history of missed payments. My account was current, and I never missed a payment. I opened this account in XXXX of XXXX and the account was closed by Comenity without explanation on XX/XX/XXXX. This has negatively impacted my credit history greatly as this is one of the longest and best standing credit accounts I had on my credit history.
Company Response:
State: TX
Zip: 77023
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity Bank -They called a family member that Ive been hiding from that I havent spoken to in years and told they were looking for me.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
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 contacted Comenity Bank on XX/XX/2021 to dispute a {$47.00} charge on my credit card account. The charge was for a digital product that I never received. I emailed the seller to resolve the issue, but they did not respond. Comenity made no effort to settle the billing error instead they are contacting me by phone and mail requesting payment, and I refuse to pay the disputed amount.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A