Date Received: 2022-01-24
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: Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX CB/EXPRESS XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Company Response:
State: FL
Zip: 32257
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My XXXX Credit Card which is managed by Comenity Bank was closed without warning. I was also not given any written notice of any kind. I have called their customer service twice on XXXX XX/XX/2022 at XXXX and XXXX pm. twice. Each agent I have spoken to would not provide any information and each one hung up on me when I requested a supervisor. I have either requested reopening of the account, an itemized explanation of why this account was closed and settlement of this debt for less than the amount.
Company Response:
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XXXX I purchased a shower curtain from XXXX XXXX. On XX/XX/XXXX at XXXX When the item came in it was the wrong color and curtain. I tried calling customer service and was on hold for a very long time. On XX/XX/XXXX I email customer service at ( XXXX ) told them I received the wrong curtain they sent me a fedex return authorization and was told a credit will be issued in full merchandise and shipping total is {$29.00}. On XX/XX/XXXX I tried calling again to speak with a live person and was on hold for a very long time. they are charging me fees of {$26.00} for a wrong item that was returned. I did not pay anything becuase the item was returned and waiting for the full credit on the next statement which never happened.. XXXX XXXX did not credit the shippling or tax like I was told. I got a late fee of {$25.00} which is more the what the shower curtain was and interest of {$1.00}. I spoke with XXXX XXXX customer service today XX/XX/XXXX at XXXX the women told me she is issuing a credit on the shipping. I asked customer service at XXXX XXXX to contact the credit card on my behalf and help and they said NO. I Contacted Commenity Bank-XXXX XXXX told me she would issue a one time credit on the interest and late fee but I still have to make a payment. WHY??? If they issue a credit and XXXX XXXX issues the credit the balance is XXXX. This is not right or fair... This was not my error this was XXXX XXXX error in shipping the wrong item. If the item was sent in error I should not be.penalized for this. Something needs to be done with these credit card campanies and their high fees. This was the first and last time I shop at XXXX XXXX on line. Customer service is poor and no help. Thank you
Company Response:
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect item on my credit report, it has been over 30 days and I haven't received any investigation results
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I ordered a XXXX XXXX from XXXX XXXX. At ordering everything went fine. I even got a receipt. However, when tried to login to payment center, they could not find my credit card number. After numerous calls, I found out they had not only canceled the order, but had canceled my card. Their reason was I did not make a payment. How can I make a payment, when I did not get a notice to do so, nor can I login to their payment site without their finding a credit card for me? I would need to set up an account based on the credit card number - XXXX. The company is Comenity-d.Comenity.com.net.
Company Response:
State: MN
Zip: 56601
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have already paid off what I charged on the account. One of the employees at the store added a person to my account and allowed them to charge my card. Now resulting in a unpaid huge balance as well as my credit score dropping and reflects it. I have contacted the company several times without it being resolved. I am asking it be cleared up and removed from my credit report.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This complaint is effectively to reopen complaints numbers XXXX and XXXX against Comenity Capital Bank. Please, use the attachments to these 2 complaints. Complaint XXXX involves incorrect fees/interests Comenity Capital Bank charged to my account. Complaint XXXX involves the reports made to four Credit Bureaus based on the above incorrect fees/interests. So far, Comenity Capital Bank has responded to complaint XXXX with "... Credits have been applied to bring the balance to zero .... '' but there was no mention of the reports to the four Credit Bureaus. Hence, the reports to the Credit Bureau remain an open issue. I request that complaint XXXX be reopened. I need a written response from Comenity Capital Bank to address specifically the reports it made to the four Credit Bureaus. This response is needed for me to take further action to repair my credit history.
Company Response:
State: WA
Zip: 98177
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2021, I applied online for the XXXX credit card with Comenity Bank using my current address of XXXX XXXX XXXX XXXX XXXX, CA XXXX. The application was under " submission. '' As my credit score was and is over XXXX, I immediately contacted Comenity regarding the my application. I was told that I had to wait until I received a decision in the mail. I later received a letter ( attached ) from Comenity dated XX/XX/2021 stating that I needed to call and confirm my address. I immediately called the number listed on the letter and confirmed my address of XXXX XXXX. Also, CLUE NUMBER 1 to Comenity in verifying the XXXX XXXX address, is the FACT that I received the letter at the XXXX XXXX address and called them. I later received a letter at the XXXX XXXX address ( attached ) dated XX/XX/2021 informing me that my application was denied since Comenity couldn't verify my address. I was instructed to call XXXX to resolve the issue and then I could reapply again. Again, I called Comenity after I received the first letter I called to verify the XXXX XXXX address. There is no conceivable basis as to why my application was denied. I understand security and the extra protection for consumers by verifying addresses, but this was not handled properly by Comenity as I verified my address. I can only surmise that it is discrimination based on my age, among other things, or Comenity 's ineptitude in handling this matter, or both. I subsequently attempted to dispute the hard inquiry on my XXXX report, but Comenity confirmed the inquiry to XXXX. Now I'm left with a hard inquiry and a lower credit score on my XXXX credit report due to Comenity 's discriminatory practices/ineptness.
Company Response:
State: CA
Zip: 92081
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a prelegal notice from XXXX XXXX XXXX that I have a debt of at Comenity Capital Bank. They give me warning that if they do not hear from me or receive payment by this month, they will go to an attorney. For your information, I have never lent money to any bank. In addition, this pre-legal letter was the first mail I received from this bank. Therefore, it is obvious that my identity is stolen and used here. In this circumstances, I would like to request your help to stop this harassment.
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Comenity-XXXX XXXX has been creating Hidden Fees that are NOT shown on my Credit Card Statements . Simply put, my, Credit Card payments are NOT being reflected on my statements. For example in XX/XX/2021, I applied TWO {$500.00} payments ( One {$500.00} payment ) and on, XX/XX/XXXX a ( Second {$500.00} was made ) however the {$1000.00} was NEVER reflected on my statement. It progressively got worse. There appears to be NO oversight going on with Comenity-XXXX XXXX as they have moved their operations to the XXXX. It is a total of over {$2000.00} that these people have NOT applied to my statement. I want their operation SHUT DOWN for stealing from me and others Consumers. This is a travesty and I am NOT going to stand for it!!! Thank you. XXXX XXXX
Company Response:
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A