Date Received: 2022-01-12
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XX/XX/XXXX to XXXX {$3900.00} Account # XXXX World Financial # XXXX Her name is XXXX I asked for office address she didn't have office address!!! She keeps leaving messages and emails.. Barely trying to make it and want collect on the pandemic ...... Plus Thts Not my last she called me by ex married last name ( XXXX ) She threating to send documents to my HR garnish my wages!!!! And put a lien on my house if I didnt pay it!!! I told her to send me the document she said no until I paid it in full and only than she could send me the documents .... Tht was my ex-husband old bills which he has been incarcerated since XXXX This was open back. InXXXX It been over 24 years And they are still trying to collect She said last there was still activity on it XXXXWhich I know nothing abt... I have court documents where it states tht he Is responsible for any outstanding bills that we had together we divorced in XXXX... I told her tht too.. But still She keeps leaving messages to call her
Company Response:
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been experiencing issues with Identity Theft for the past 10 years. I was apart of several data breaches, including XXXX, insurance companies and banking. I have been constantly working to get my credit issues addressed, with only 25 % of corrections being made. The companies are not assisting, which is frustrating because I am a victim.
Company Response:
State: FL
Zip: 33034
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Hello, so Ive been trying to contact XXXX XXXX to pay a debt that I have with a closed account with them. The credit card customer support never answers. Ive been calling for about a month now every other day and I get no answer at all. All I get is We are closed try again at a later time Im really trying to purchase my home and I havent been able to get this debt taken care of because of them not answering me.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/2021 I made a charge of {$15.00} on my XXXX beauty card. I updated my address and never received a statement. I tried to pay online but website was down several times. I called again to make a payment but there was a phone assist fee of XXXX. When I was finally able to get my payment made on the website I was charged a late fee. I made the payment including the late fee and the following statement in XX/XX/2021 I noticed an additional late fee of {$15.00} charged to my account. when I tried to make the payment again the website was down. I have been charged a total of two late fees which are of no fault of mine. This company is treating me unfairly and purposely trying to not allow me to make payments so it can charge fees. They are unwilling to assist when you call or refund the fee and hang up on you when you want to close the account. I want this account closed and I want my fees refunded.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: XXXXComenity -- -In XXXX, XXXX changed their credit card company from Comenity to XXXX XXXX My XXXX card could no longer be used, but I continued to pay monthly including monthly interest. On XXXX XXXX XXXX, I paid off the current balance ( with a representative to ensure I was paying CURRENT balance ), in full. I asked the account be closed & I cut up the card. On XXXX XXXX, I receive a bill stating balance is {$30.00} due XX/XX/XXXX. I call Comenity & question how I can owe further interest when account was paid in full & closed on XXXX ( plus account was made inactive by Comenity in XXXX when they changed their credit card company ( must have changed contracts ).. They stated it was " reisdual interest ''. How can this be when they charge interest monthly on the balance & it is added to that monthly payment. I feel they are trying to charge compound interest ( daily ) PLUS accrued interest. Comenity would not waive the {$30.00} interest fee when I contacted them, telling me " there's nothing we can do ''. I have had the same problem with XXXX XXXX accounts I paid off, too ( XXXX XXXX, XXXX XXXX, etc ) but XXXX waived their " residual interest '' charges. Please help. as I am a XXXX XXXX on a limited income. comenity also claimed this was a new policy " residual interest '' placed in effect a couple months ago. How can they change MY agreement ( contract I signed when credit card was opened without offering me any options?
Company Response:
State: OH
Zip: 437XX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I went into the store to purchase some items and they offered to open me up a perk reward card that gives points off each dollar is spend to build coupons but instead they opened up a credit card fraudulent. I had just turned XXXX XXXX XXXX so they took advantage. Me and my mom went back into the store and returned the items and explained to the manager that they shouldnt have opened this card and they lied and said it was a store perk card. The information they had in the system was partially made up and the manager was really nasty and said they have to have their credit card numbers up etc and my mom said well yall wait on young girl and prey over them and lie and say perks. I honestly thought because we called and went into store several times that the issue was resolved but then I got a call today XX/XX/22 saying i am behind XXXX and i ask how because i returned all items when i realized what they did and called to cancel the same day and went back into store. I honestly just want them to erase this information being that it was fradulent.
Company Response:
State: SC
Zip: 29456
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Originally, I made a payment on my Comenity XXXX XXXX account of {$920.00} that paid the statement balance in full. Comenity mis-posted this payment to my XXXX XXXX account, with no balance, that resulted in a negative balance of {$920.00} on that same XXXX XXXX account. My Comenity XXXX XXXX account was now past due with the amount of {$920.00} plus fees. I contacted Comenity regarding the mistake they made in the posting of my XXXX XXXX payment. Furthermore, as instructed by Comenity, I disputed the overdue charges of {$920.00} on my XXXX XXXX account in writing. I provided written evidence that Comenity had mis-posted my XXXX XXXX payment of {$920.00} to my XXXX XXXX account that now had a negative balance of {$920.00}. XXXX agreed that they had made a mistake and would make the corrections to ensure the {$920.00} payment would be applied correctly to my XXXX XXXX account along with removing any interest accrued and late fees. In doing so, Comenity was to remove the credit balance from the XXXX XXXX account. Comenity made another mistake while trying to correct its first mistake of the mis-posted payment. In trying to correct the mistake, Comenity then double charged back my XXXX XXXX account and then double credited my XXXX XXXX account. At this point, I now had a negative balance of {$920.00} on my XXXX XXXX account and a positive balance of {$920.00} on my XXXX XXXX account. I called the XXXX XXXX to attempt to advise them of the second mistake and that I did not owe any money on the XXXX XXXX or XXXX XXXX card. This was Comenity making continued mis-postings to my accounts. I was advised that it would be corrected by the Comenity representative. Unfortunately, it was not corrected, and I called again. Again, I was advised it would be corrected and it was not. I was then sent a check by Comenity for my negative balance on my XXXX XXXX account. I advised the representative that I would not cash the check, because the money is not mine. The representative said that they would put a stop payment on the check and correct the two account balances to where both would be {$0.00}. Again, this did not happen. I do not owe Comenity any money on either account. Furthermore, I will not provide Comenity any money. This is all due to Comenity making multiple mistakes regarding my original payment that was to be applied to my XXXX XXXX account. Comenity has shown a lack of regard in even trying to correct its multiple mistakes and has now wrongly reported late payments to my credit reports. Comenity could easily resolve this issue, but has chosen to not even try to figure it out. Please ask Comenity what are the charges that resulted in the balance of {$920.00} on my XXXX XXXX account. There are no charges on that account. Only Comenity 's continued mis-postings.
Company Response:
State: FL
Zip: 32789
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I Paid our account in full on XX/XX/2021. - {$470.00}, but a " minimum interest charge '' was applied as the payment was processing, so the bank carried that {$2.00} over to the next cycle, leaving me unaware of a balance even being due. So they then tacked a late fee onto the account, along with another {$2.00} minimum interest charge. And then reported us as 30 Days Late to the credit bureaus. The missed payment was during the XXXX shut down while we were dealing with related health complications. I've paid the balance due in full, which includes 3 months worth of late fees and 3 months worth of minimum interest charges. We are now out the money and have been left with a 30 day late mark, right in the middle a national pandemic, and while we are right in the middle of underwriting to close on our home, which is located in a completely different state.
Company Response:
State: UT
Zip: 84123
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
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: COMENITY BANKXXXX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( COMENITY BANKXXXX XXXX )
Company Response:
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX - I did not authorize to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit.
Company Response:
State: IA
Zip: 502XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A