Date Received: 2022-01-26
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 following ( XXXX, XXXX, XXXX ) credit reporting agency ( XXXX ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the XXXX Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the XXXX, which requires all reporting to be XXXX XXXX accurate. If the information is NOT XXXX XXXX accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The XXXX has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX Date opened XX/XX/2015 XXXX {$0.00} ).
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
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 following ( XXXX, XXXX, XXXX ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The CRA has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw these accounts from my personal file. ( XXXX XXXX Date opened XX/XX/2019 XXXX {$0.00} )
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was the victim of fraud with Comenity Capital Bank/ XXXX XXXX XXXX XXXX They signed me up for a mortgage which I had no knowledge of and now its on my credit report. I never received any credit from them and didnt even realize I had an account with them until I checked my credit report more thoroughly. The information below is what was in my credit report, I have no idea of the account number or any other details because I never even knew that I had an account. Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type MORTGAGE Creditor Classification Loan Type CHARGE_ACCOUNT Original Creditor Name Months Reviewed 11 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit {$1000.00} High Credit {$0.00} Available Credit {$1000.00} Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency Comments and Contact
Company Response:
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I have had a credit card with XXXX for the past several years through Comenity Bank. I have paid on this account faithfully every month with very few late payments, if any at all. This past month I started receiving notices that my payment to XXXX was overdue, and they were threatening to suspend my account. I checked my past payments and saw that I was paying on time each month, so I was at a loss as to what they were talking about. Well, to my surprise, it was not Comenity Bank where I have around a {$1700.00} balance at XXXX that I pay on every month. No, this was XXXX calling because they have taken over the servicing for XXXX 's credit card account so that when I charged around {$200.00} at XXXX for my son 's presents, they had set up a new account for my XXXX account so now I owe them {$45.00} for THAT account that I did not even know I had!! XXXX said my balance with XXXX from Comenity Bank should have been moved over to them when they ( XXXX ) took over XXXX 's accounts!! How in the bloody XXXX am I supposed to pay on two separate accounts ( with interest!! ) to two separate banks for what should be one XXXX account!! Comenity will not move the balance over to XXXX so I can just make one XXXX payment a month ; they said I must have missed their e-mails about the change in banks so it is my fault and they will not help. I am infuriated and refuse to accept this! They should have moved it when XXXX took over - e-mails be XXXX. Please help me before I fly out to XXXX and hunt down their President to get things made right! I am very ill, and this is NOT HELPING!!!!
Company Response:
State: VA
Zip: 23139
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a credit card with Lane Bryant through Comenity bank. I paid my bill off in full on XX/XX/XXXX. My payment wasnt due until XX/XX/XXXX. But on XX/XX/XXXX they charged me a {$2.00} finance charge. I know its just {$2.00} but if they are doing it to me then they are doing it to other people as well and that adds up. I tried talking to them about it but they keep repeating themselves saying : Based on recent change-in-terms regarding the " grace period '' for finance charges that went into effect on your account on XX/XX/XXXX, this finance charge is valid. Per this change : '' We will charge interest on your account if the balance is not paid off in full by the billing due date. In other words, if you don't pay off the full balance by the due date, we will charge your account interest on any balance carried over, plus any new purchases made, starting the day the purchase posts. '' I PAID MY BALANCE IN FULL WELL BEFORE THE DUE DATE. Im attaching a screenshot of my transactions since a XXXX. You will see that I was a few days late in XXXX so I doubled my payment to cover the minimum due plus the late fee of {$35.00}. After that all my payments were made before or a couple weeks before the due dates. I have never had a credit card company charge me finance charges on a zero balance, so this doesnt make any sense to me how this could be valid. My payment was due on XX/XX/XXXX and I paid it on XX/XX/XXXX.
Company Response:
State: KY
Zip: 411XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I recently opened an online savings account with Comenity Direct, which I believe is associated with Comenity Capital Bank. An initial amount of {$250.00} was transferred from my XXXX XXXX checking account and received and posted on XX/XX/2022. After linking my checking account to the Comemity Direct account, an additional amount of {$30000.00} was transferred and received/posted on XX/XX/2022. The present account balance is {$30000.00}. Approximately XX/XX/2022. A letter was received from Comenity Direct indicating that a review of my account revealed potential security concerns and/or irregular activity causing a temporary suspension of the account. The letter stated that additional documentation was required and should be sent to the bank within 14 days. I complied and sent copies of the required documents. On XX/XX/2022 a product support representative, named XXXX messaged me indicating that the documents had been received and were to be forwarded for review. The review would be completed within 1-3 business days ( screenshot copy is attached ). I never received status of what was required. A second letter, dated XX/XX/2022, was received XX/XX/2022. It contained the same information and request stated in the first letter. I am experiencing difficulty with communicating with this financial institution by way of phone conversations and their website account messaging system. In addition, Comenity Direct removed the link of my checking account to the new saving account. I am now unable to transfer funds online. So, I have decided that I do not want to continue doing business with Comenity Direct. I made several phone calls and submitted several website messages directing the bank to close my account and return all funds back to my XXXX XXXX checking account. It was explained to me, by several representatives, that funds where on hold until XX/XX/2022. On XX/XX/2022, I called and spoke to a representative ( XXXX XXXX and once again requested the closure of the account and return of the total {$30000.00} to my XXXX XXXX account. The representative confirmed the appropriate required numbers associated with the checking account and then indicated that the funds would be returned within 1-3 business days. Also, I messaged the bank and requested confirmation asking for the dates when the account will be closed and when funds will be available in my checking account. As of this date the bank has not complied. I ask for assistance and help to recover these funds.
Company Response:
State: NY
Zip: 14224
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXXComenity Bank XX/XX/XXXX i paid remaining balance of {$63.00} and instructed them to clpse my account. I was then charged a {$29.00} fee XX/XX/XXXX I paid that fee I was then charged an additional {$40.00} every month stating late fee and interest and finance charge on top of that.To date I have made NO purchases. I closed the account XX/XX/XXXX They are now stating I owe more than {$300.00} I have stated several times that the account was closed in XX/XX/XXXX by calling and emailing them. My most recent response was someone from XXXX XXXX saying they are handling this account and I owe the money. This is fraud
Company Response:
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On XX/XX/2021, my father sent me a voicemail from a creditor. A woman called him- he & I do not share a cellular phone number & we do not live together - left a voicemail advising that she was calling to speak to me about an account that was in collection efforts. I have advised this company, not to call anyone but myself & they have the correct contact number for me.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
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: This is in reference to an already CLOSED account with CFPB, case # XXXX. I am re-filing the complaint against ComenityXXXX XXXXXXXX because they continue to charge me despite of their response that they have resolved my complaint against them. Comenity/XXXX XXXX continued to charge me : LATE FEE, FINANCE CHARGE, MINIMUM INTEREST FEE after the case mentioned above had been resolved. I have attached the correspondences I made with ComenityXXXX XXXX plus the continued/non-stop charges. Please let me know who else I can contact to escalate this issue to be truly resolved. If you should need additional information, supporting evidence, please let me know. Thank you.
Company Response:
State: CA
Zip: 92688
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2021, I bought items at Victoria 's Secret for {$31.00} and offered my store credit card for payment. The sales person told me that the store credit card was declined so I gave them my Mastercard which was successfully charged. The charge showed up on my mastercard and I paid the charge. Subsequently, Victoria 's Secret has also placed the charge on my store credit card. I have called and explained to them that I paid via Mastercard on XX/XX/2021. I wrote them an email stating the same. I have given them a copy of my Mastercard statement as proof as well and have the original receipt with the authorization number. They have since added late fees and interest payments and refuse to remove the charge.
Company Response:
State: MD
Zip: 21093
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A