Date Received: 2022-01-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am filing this complaint because XXXXZALES has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Good afternoon, I was impacted by the pandemic my last day in my office was XX/XX/XXXX. I returned and had no choice but to accept a demotion on XX/XX/XXXX making approximately $ XXXX less than I was making. I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed a payment. The Corona Virus Aid Relief Economic Security Act was enacted in XX/XX/XXXX stating Late payments should not be reported to the Credit Bureaus. I sent them a message from my XXXX XXXX XXXX account letting them know of the Corona Virus Aid Relief Economic Security Act, asking them to please remove the late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they responded and refused to do anything about it. closed my account and I'm now on a payment plan to pay off my balance. I haven't missed any payment. Before the pandemic I always made my payments on time as well. My account number is XXXX. I'm trying to refinance my house to pay off my credit cards but I'm not able to do so because XXXXXXXX XXXX XXXXXXXX derogatory information is affecting my credit score. Please call me if you have any questions XXXX. Thank you XXXX XXXX
Company Response:
State: NY
Zip: 12553
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am filing a complaint against Comenity CapitalXXXX XXXX due to incorrect reporting on my credit report. I opened an account in store with this creditor in XX/XX/XXXX. I made my first payment on XX/XX/XXXX with my checking acct but due to previous fraud issues with my bank, XXXX returned the payment. During the dispute process with the credit bureau agencies, I provided a copy of the bank statement showing where the payment was made and I also called the creditor and explained what happened but my concerns were disregarded and I was told that there was nothing that they could do. However, the late fee of {$29.00} was waived on XX/XX/XXXX, XXXX.I disputed the account as incorrect reporting information a total of 2 times, first time the result came back as {$3.00} past due as of XX/XX/XXXX ; second time the results came back as being updated as another 30 days past due ( XX/XX/XXXX ) which is incorrect. How am I past due for XX/XX/XXXX when my bill is not due until XX/XX/XXXX? Upon finding out these results, I contacted the creditor on XX/XX/XXXX only for my concerns to be disregarded a second time and was told they are not showing that the acct is past due for XXXX and that my account would be notated. I am in the process of purchasing my first home and this is hindering me from being able to do so. I am asking that the creditor would update and furnish the credit reporting agencies with the correct reporting information.
Company Response:
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Company Response:
State: SC
Zip: 29108
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a credit card from Victoria Secret through Comenity Bank. I was charged a late on XX/XX/XXXX in the amount {$50.00} due to the payment being passed XXXX EST. However when I look at the terms and conditions provided by the bank for late fees and penalties their paperwork does not specify payment is due EST and their terms specify the late fee amount is {$25.00} or {$40.00}, not {$50.00}. I have contacted the bank on XX/XX/XXXX about this issue and was told my payment was late thus the fee of {$50.00}. When I said I made my payment before the cut off time in XXXX and have the email for it I was told the time only applies towards EST. I advised their paperwork through the online bank does not specify time zone and the fee amount was over charged I was given silence and told it is what it is and to be sure to make payments on time.
Company Response:
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I opened a Comenity Bank XXXX credit card account in XXXX. Consumer accounts were closed on XX/XX/XXXX by Comenity Bank due to their separation from XXXX. My last purchase on this account was XX/XX/XXXX. I continued to pay my remaining balance without ever being late. I paid off my balance on XX/XX/XXXX resulting in a {$0.00} balance. On XX/XX/XXXX, I received a bill from Comenity Bank for {$2.00} stating this was interest due on purchases prior to XX/XX/XXXX. When I contacted Comenity Bank, they refused to remove the charge, threatened a late fee of {$41.00} if I didn't pay it, and couldn't explain why I was being charged interest on an account with a {$0.00} balance. The Comenity Bank supervisor I spoke with initially stated that the charge was because I paid after the due date, which was untrue. The balance was due on XX/XX/XXXX. I paid on XX/XX/XXXX. She then became combative with me. The impact on me is that I fear I will never truly have a {$0.00} balance with Comenity Bank if they are able to continue to charge me interest on purchases from prior years and to which I've already paid. As it stands, I have paid EVERY amount they've asked me to pay for the duration of this account, which includes ALL interest on EVERY purchase. When I filed a complaint against Comenity Bank with CFPB, they responded by violating my privacy rights and breached my personal information by sending CFPB 6 months of my bank statements WITHOUT my knowledge or permission. My statements showed my entire account number, address, purchased items, credit card information and other private data. I contacted Comenity Bank and they failed to respond to why they sent 6 months of my bank statements to an agency. Comenity Bank has charged me late fees for payments that were made several days prior to the due date.
Company Response:
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Comenity Bank, the issuer of XXXX XXXX credit cards, recently ( XXXX of XXXX? ) issued a late payment notice to the three credit bureaus pertaining to an overdue {$60.00} bill from XXXX XXXX that I inadvertently overlooked my husband assumed that the account had been set up for autopayment of the full amount and simply put the statements aside for later filing. The account was opened I believe in XXXX of XXXX. I became aware via a telephone call of the two-month overdue payment on XX/XX/XXXX of XXXX and paid the balance due in its entirety that same day. The fact of the late payment and the mitigating circumstances behind it are both clear and have been communicated to Comenity Bank Comenity Bank is in receipt of an exchange via their website ( XX/XX/XXXX ) and two subsequent letters to them ( on XX/XX/XXXX and XX/XX/XXXX ) attempting to clarify the extenuating circumstances in the hopes of achieving credit history relief, all of which have been unsuccessful. I do not understand the basis for Comenity Banks dismissive responses to my inquiries. I am a XXXX year old woman with a decades-long spotless credit history, and this notice has had a significant impact on my otherwise excellent credit history, and the long-term ramifications at my age can be significant. I would hope that systems or regulations are in place to ensure that financial institutions provide reasonable oversight in the application of credit related tools, particularly for the elderly, to prevent either indiscriminate or punitive misuse of these tools. A timeline of significant events is included as the first page of the attached scan file, which also includes copies of the website exchange and of my two letters to Comenity Bank, as well as Comenity Banks denial responses. Again, this late payment issue was addressed in full on XX/XX/XXXX of XXXX, the day that I was made aware of it via a telephone call. Once more, my husband set aside the ( unopened ) initial statement pertaining to the {$60.00} purchase and the subsequent statements for later filing under the incorrect assumption that the account had been set up for autopayment which he did in fact do the same day that this issue was realized, XX/XX/XXXX of XXXX. Credit is extremely important to me, particularly at my age. I do not understand Comenity Banks refusal to pursue a course of remedy that their own Customer Service Department, who forgave the second penalty charge upon hearing the reason for the overlooked payment, indicated as a very reasonable course.
Company Response:
State: PA
Zip: 19087
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I applied for a XXXX XXXX credit card. I have had issues getting my statements from them. I contacted them numerous times asking why I was not receiving statements. I also after the third month of issues spoke with a supervisor. She told me she would set me up for auto draft payments. Today, as I laid in the bed with XXXX, I received a call from Comeity Bank who stated I was late on my payment. They tell me that the auto draft stopped this month. I had to enroll online for the payments to continue. I explained again I didnt have a statement to get rhe number off of. I told her that the last supervisor I spoke to set me up on auto draft and there have been no issues. She told me that I had to go online and she wouldnt do this. She asked me about email statements. I told her that would be perfect and I had not been offered that before this call and that I wanted whatever I needed to do to be able to pay my bill. She stated that it was showing my statements delivered. I told her why would I be telling a lie when I have set my statements on auto draft and their company wont do this but for 3 months? They have charged me late fees and were of no help. I am waiting on my email statement and I paid the bill but the late fees will now be placed on my account. This is so unfair that this company has clearly taken advantage of me. I also told them I was recording this call and they refused to speak to me but they said they were. I told them then I did not agree and they stated they could not speak to me the. Where are the customer rights? Where does this stop? XXXX and XXXX are the two I spoke to today valierie being a supervisor. Please help me.
Company Response:
State: MS
Zip: 393XX
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This company has tried to collect a debt that I did not open. They have failed to provide me proof that this debt is mine therefore committing fraud. I am prepared to take all legal action against this company and hold them accountable for falsely hurting my credit and threatening to sue without legally providing me info that I have requested in a timely manner.
Company Response:
State: IN
Zip: 46217
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX @ Commenity bank XXXX. EXT XXXX. She has been calling and leaving messages on family members phone numbers and non related people with the same last name.
Company Response:
State: MI
Zip: 49441
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A