Date Received: 2021-12-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I made a purchase online with XXXX XXXX in the amount of {$280.00}, on XX/XX/2021. I then made a payment of {$160.00} that posted on XX/XX/2021. On XX/XX/2021 a Finance Charge of {$3.00} was applied. On XX/XX/2021 a refund for a partial return in the amount of {$110.00} posted back to my account, which left a remaining balance of {$7.00}. That balance was paid on XX/XX/2021, prior to the billing cycle ending. So, at that point the account was paid in full. On XX/XX/2021 a Minimum Interest Charge of {$2.00} was applied to my account, although there was no balance it could be applied to, since the previous balance was paid prior to the end of the previous billing cycle. I contacted Comenity via their internal online Secure Message Center on XX/XX/2021 and the rep refused to remove the incorrectly charged fee. That fee is now in dispute with Comenity.
Company Response:
State: AZ
Zip: 85022
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I applied for a credit card with Victoria Secret and was allowed a {$1500.00} credit limit. I have had that card for over 3 years and never had a " random pull '' or change. Checked my credit report and noticed that Victoria secret not only decreased my limit but did so without even contacting me. Once I called the company they told me the reason they decreased my {$1500.00} limit to {$100.00} is because of a random credit pull and they did not have to contact me about it. However I never -authrtoized a credit check so that's fraud - nor was I informed or asked about random detrimental changes to my credit card limit
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
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: I had a credit balance on my Comenity Bank credit card account for 3 transactions that i was owed a refund by a merchant. Comenitys negligence for over 6 months now is unacceptable. Supposedly they mailed out my credit balance refund of {$24000.00} on XX/XX/21. this refund check was latter stopped and it bounced after I deposited it. They Supposedly re-issued the refund on XX/XX/21, but as of today it has still not been delivered to me. i tried calling them by phone, but these phone personal only keep on suggesting for a new request to be submitted.
Company Response:
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I got a comenity bank Victoria secret card in XX/XX/XXXX I started off with a {$300.00} credit limit. When I got the card I didnt use it. Therefore, I wasnt sent a due date anything etc I used it for the first time in XX/XX/XXXX. I had been paying on it and noticed a credit decrease of {$50.00}. It didnt alarm me but then I recently got a comenity letter of change XX/XX/XXXX stating my new amount is {$200.00}. I believe its due to none activity which this has happened before.
Company Response:
State: NY
Zip: 11422
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was a victim of identity theft. I have been disputing this error for over two years. My last dispute was sent via mail on XX/XX/2021. It is now XX/XX/2021 and I have yet to receive a response. According to the Fair Credit Reporting Act, the company is required to respond within 30 days. I have contacted the company and informed them of this matter to have this error removed. The representative told me that they did not respond because they don't do pay for delete disputes. Rather they settle pay for delete disputes or not, I should have been notified. If this isn't removed I will be starting the litigation process.
Company Response:
State: FL
Zip: 33810
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I have had autopay set up with XXXX for months. I received either e-mail, text, or phone call notifications for ay minor changes/updates to my account such as : late payments, account changes, or confirmation of payment. I was sick all from XX/XX/XXXX- XX/XX/XXXX with XXXX. Towards the tail end of my recovery, I logged online to all of my accounts to confirm that my auto pay options were all in good standing. When I logged into my XXXX account, I noticed the following charges : XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1700.00} XX/XX/XXXX : {$1100.00} had been added to my original balance of {$3800.00} - I immediately called customer service. I explained my situation and informed them of my illness and that I was not aware that my promotional plan was ending. I requested the additional charges be removed and to pay my original balance of {$3800.00} in full. The representative and supervisor both informed me that there was nothing I could do about the charges other than dispute them using the secure message center. There was no mention of future fees or that I could continue to accrue interest while was writing to the dispute center. I wrote to the dispute center 3 times, the first being immediately after the call with customer service. They took day at a time to reply and responded with what seemed like a script or automated messages. The dispute/message center suggested I contact customer service so then I did. When I called customer service again on XX/XX/XXXX, I asked to be connected directly to a supervisor. I explained my situation once more since I had been charged a ADDITIONAL fees of : {$1100.00} and {$1900.00} on XX/XX/XXXX. Though she seemed friendly at first, she then laughed at me while I described my situation and continued by say that all the charges were valid and that the best she could do was transfer me to hardship. I then spoke to another representative trying to go through the charges and stating that I did not understand where all of these charges were coming and why I wasn't notified like I normally am through push e-mails or phone calls. She responded by saying " if it was me, I wouldn't have let this go so far as to have such a high balance. '' Which is when I began to recount my communications ( both spoken and written ). She said that regardless there is nothing she can do and that I could message the dispute center through the same secure message center. Regardless of the representative that I spoke with, not it did they lack an ounce of empathy and understanding but it seemed that they all had the same response. They absolved themselves of any responsibility sine there is a disclaimer at the bottom of the statements ( which I do not receive paper copies of and to which I have autopay set up- per their recommendation ). I have made repeated calls and written messages to try and resolve this fairly to only pay the original amount owed ( {$3800.00} ) - especially since I could have paid this amount in full, had I received notifications like I do for any late payments or payments receipts on my account. I also requested to pay the original amount in full so that the interest charges cease and they stated that I would still accrue 30 % interest on the remaining amount regardless. Therefore, I have been forced to enter a hardship program of 60 MONTHS just to be able to reduce the interest amount and so it does not damage my credit score. I am writing this not just for a fair settlement for myself but for future consumers, so that they may avoid this creditor at all costs. This creditor will hunt you down over a {$200.00} late payment; incessantly calling, constantly emailing, and sending text alerts. However, when it comes to a financial relief program that is coming to an end, they will not proactively reach out with any communication so that the consumer remains unaware and falls victim to their unethical practices. I have credit cards through many other small and large credit cards companies ; all of which are in good standing. I feel truly scammed by this company and would like to find a just solution.
Company Response:
State: FL
Zip: 32803
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CCB/OVERST bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
Company Response:
State: TX
Zip: 75149
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I made a purchase with Victoria 's secret credit card which was issued by comenity bank. I was paying balance on credit card every month. Finally I paid what was left in full and get the another bill for {$2.00} finance charge. When I called I was told that previously month I had a balance and that's why finance charges were assessed. According to that logic I will always have balance regardless if it is paid in full. I was told that it does not go indefinitely ( lucky me ) but you have to pay balance in full for 2 consecutive months!?
Company Response:
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Dear Sir or Madam, 1. ZALES Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with ZALES and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 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. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Company Response:
State: IN
Zip: 46323
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Comenity Capital Bank/XXXX XXXX Company closed my account XX/XX/2021 without my consent.
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A