Date Received: 2022-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I got a new phone number through my phone carrier, and for months now since XXXX of 2021 I keep receiving calls and voicemails from the past owner of my phone number ( Her name from these voicemails was XXXX XXXX XXXX or something I cant make out from the voicemail ). XXXX XXXX recycles phone numbers, so I had received this one from her. I have no idea who this woman is. Please please help me to make these calls stop. I keep on having to report these calls and scams/fraud. I even had to change my phone settings. Last month alone I had 337 unwanted calls received.
Company Response:
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This account was paid and closed. According to FCRA laws this account meets the requirement to be removed from all 3 credit bureaus immediately due to age.
Company Response:
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I am home sick with XXXX, and haven't been to work. So, I received a phone call from XXXX XXXX about my XXXX Credit Card. They told me, that my account is 90 days past due. I told the representive that I couldn't make a payment until XX/XX/22. I have not received my credit card statement in the mail, or via email. The last statement in email is from XXXX of XXXX. The representative told my whole balance was due of XXXX without an invoice, or a letter. I asked for a letter, and she refused saying that my entire account balance was due. I have not received my statements, and she kept stating yes I have, and that the letter is my statement. i know my right under the Fair Debt act. So, again i asked for a letter, and she said No. I did pay XXXX online today to hold my account, until i get to work, after having XXXX. I don't remember making a promise to pay by a certain date, which she stated as well. Knowing that I haven't felt well, I might've made the promise to pay.
Company Response:
State: WA
Zip: 98682
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
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: Please keep compliant ( Ref : CFPB COMPLAINT ID XXXX ) open and request that Comenity Capital Bank to stop reporting me delinquent until this issue is resolve. I will write another response to Comenity Capital Bank and CFPB and mail it out on Monday XXXX XX/XX/XXXX. See message below : Sincerely, XXXX XXXX From : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Disagree with Comenity Capital Bank response to this dispute dated XXXX XX/XX/XXXX. See attachment. ( Ref : CFPB COMPLAINT ID XXXX ) I disagree with the Comenity Capital Bank finding of no basis to support fraud claim. A letter was sent to Comenity Capital Bank requesting not to report me delinquent and suspend interest and late fees on this account until this issue is resolved. However, Comenity Capital Bank continues to report me has delinquent and accumulates late fees and interest every month on my XXXX XXXX XXXX XXXX Credit Card ( Account ending in XXXX ). Please keep this case open until the issue is resolved. Rationale : This return payment was a criminal act by a perpetrator who deposited {$5300.00} into my account to make purchase for computer products. After the computer products were purchase on XX/XX/XXXX for {$5000.00}, the funds were removed from the credit card account ending in # XXXX. Reference Pennsylvania State police report ( # XXXX ). I never authorized payment from credit card account ending in # XXXX into the perpetrators account. That authorization to put money into the perpetrators account was authorized by Community Capital Bank. The money deposited ( {$5300.00} ) into the credit card account ending in # XXXX from the perpetrators account should have remained in the account ending in # XXXX. I file a police report with the Pennsylvania State Police. Police report filed under XXXX XXXX. XXXX. Please remove the {$5400.00} and {$5000.00} obligations from my credit card with Community Capital Bank because these charges are a result of criminal act of fraud. Sincerely, XXXX XXXX XXXX
Company Response:
State: PA
Zip: 18951
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I obtained a store credit card - XXXX XXXX XXXXssued by Comenity Bank. The store manager offered me 0 % for 24 months and I made a purchase of furniture. When I received the statement I realized the XXXX XXXX put the wrong terms on the card - 1 year instead of 2 years that I agreed to. I called Comenity to make them honor my chosen terms and they haven't done anything about it. I called Executive Managment at XXXX XXXX and they promised they would fix it and the account is still billed wrong, for minimum payment of {$1000.00} instead of a lower amount. To make things absolutely worst, Comenity reports 4 late payments on credit reports that is very damaging to my up until now perfect credit history. I am seeking your help with this that they correct my account and remove the late payments as this is admittedly their negligence on my account, and not mine. Thank you. I am including the documents evidencing this problem.
Company Response:
State: IL
Zip: 601XX
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: 2022-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Lane Bryant ( Comenity ) keeps calling regarding a deceased ex in-law. This person isn't even related to me. The company calls once a day or at least every other day. I received a messaged this morning XXXX ( XX/XX/22 ) from Victoria with Comenity, number ( XXXX ) XXXX ext. XXXX. I haven't written down all the dates and times, but the first phone messaged I received was from a XXXX ', I believe, and I called and talked to him that day in XXXX. I didn't give him my name and number, because he didn't need it. However, I told him the person, I gave the name, they were calling about was deceased. His response was that 'how are we supposed to stop calling you if you don't give us your name? ' and I said 'This person is deceased ' and 'I 'm just calling to let you know that " I figured that since I don't have ties to this person ; she was an in-law by a previous marriage that they would stop calling. So not sure how they even got my number and why they are calling me. Anyways, XXXX hung up on me, and the phone calls keep coming. Another time that I wrote down was on XXXX XXXX called regarding this ex in-law again, her number ( XXXX ) XXXX option 1 ext, XXXX
Company Response:
State: KS
Zip: 66048
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: 2022-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XXXX XXXX XXXX XXXX purchased my private information from Comenity Bank and are assuming that I owe them {$790.00}. I have no contract with XXXX XXXX so there for I do not owe them. they are both in violation of 15 usc 1681 and 15 usc 1692 which is fraud and identity theft under consumer law.
Company Response:
State: CA
Zip: 91335
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have been receiving threatening calls about a debt I have no knowledge of. Repeatedly they have called me and when I ask who they are they refuse to tell me and are very rude, most times they hang up. I eventually managed to speak with someone told them to mail me the information as I did not feel comfortable giving out my personal information over the phone blocked the number and later received a knock on my door from my local sheriff 's dept with a court order suing me for the debt from said collector XXXX XXXX. I am away on business and receive a phone call from my sick mother stating they have called her and threatened her as well. They then proceeded to tell her all my personal business without my consent or knowledge. I called once again and reminded them at this point I'm in litigation with them and there was no reason for them to continue to harass me or any of my family about a debt they can not even provide a statement of. Apparently this debt is over 5 years old and was bought by another debt collector from a business that is closed down. I offered on a few attempts to try and make arrangements to pay whatever I owed as long as I was mailed a statement or itemized bill. I've never received anything and even made arrangements to try to take care of this matter. They are bullying and non compliant about negotiating with me. I am in the process of being taken to court by these people due to their lack of communication and providing necessary information. I want to countersue them for harassment due to my mother 's health declining since their repeated calls which I have documented. Please let me know what I can do as this is not ethical or right for them to do this to people.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: In XXXX, I had a credit account with Lane Bryant with which I bought a XXXX in store. The physical card was not sent to my correct address and somehow {$300.00} was charged to it. I closed the account and unfortunately had to pay that money after it went to collections. Debt was resolved in XXXX. I do not remember the name of the collection agency they used at the time. Today, XX/XX/XXXX, I received a called from someone claiming to be XXXX XXXX XXXX and was threatened with legal action in the sum of over {$1000.00} if I did not attempt to settle or make payment plans for my Lane Bryant debt. They had my social security number and address, which was suspicious, as well as demanded that I confirm my social security number. Im afraid they may be trying to steal my identity, so Im filing this formal complaint as a record of my issue. I did call Lane Bryants credit bank, Comenity, and they have no record of me having any account except for the closed one in XXXX, and told me they were not pursuing any legal actions.
Company Response:
State: MS
Zip: 39402
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
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: Comenity Bank ( Victoria 's Secret credit card ) sent me a refund check in XX/XX/2021 for {$93.00} which was made out to XXXX XXXX. I didnt notice that my maiden name was on the check, and I tried to deposit it on my mobile device ( mobile deposit ) into my XXXX XXXX account. The check was returned and couldnt be deposited because of the name, and I was charged a {$5.00} fee by my bank for the return of the check. After that happened, I contacted Comenity to change my name on my account to XXXX XXXX, my married name. Comenity issued me another check for {$93.00}, and I successfully deposited it. I then noticed that Comenity put that {$93.00} amount back on my account that I owed back to them, saying I deposited two checks. The only way I could correspond about the matter was to mail them documentation, which I did, twice, trying to explain to them that I only successfully deposited one check. They kept sending me back letters saying they needed more proof. One night I got my bank XXXX on the phone and called Comenity customer service to settle the issue. We got a manager from Comenity on the phone, and after over an hour we confirmed that I needed to send them proof that the first deposit didn't go through on XXXX letterhead of some sort. Comenity said I could send this information to them electronically on their messaging system online. I've tried twice to do this but it always fails and says the message can't be sent. So the only way to correspond was to send a letter to a po box they provided on the bottom of their letters which first stated XXXX XXXX XXXX XXXX, Ohio XXXX. The last two letters I've received from them have a different XXXX XXXX XXXX, now XXXX XXXX XXXX. The last letter they sent me says they never received my documentation! When I call customer service their hours are inconvenient for me as they're on Eastern time and I'm on Pacific, and by the time I get home from work at XXXX, they are closed. Each interaction with them over the phone takes an hour because they have issued me no case number, so every time I call about the issue I have to explain it to somebody new. It's beyond frustrating and I just want the {$93.00} back that they owe me, plus a late fee of {$29.00} that I was charged for not paying my bill in full when I was in the " investigation process '' ( which I was told I would not be charged by a customer service rep ), and also I was charged a transaction fee of {$3.00} because of that bill. All I want to do is get my money back and then close my account because issues like this shouldn't take 7 months to be handled. Thank you, XXXX XXXX XXXX : I had to remove my savings account information for confidentiality but I've forwarded them all these documents.
Company Response:
State: CA
Zip: 93401
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A