Date Received: 2021-12-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a credit card with NY & Co, had placed an order in XX/XX/2021, and XX/XX/2021. I then placed my third order of 2021 on XX/XX/XXXX. I received no error message, and order showed processing. I received a letter on XX/XX/2021 stating my account had been closed due to inactivity and/or information on my credit report. My score had recently gone down due to increased usage overall, but Ive never been late on any credit card payments. The funny thing is, they still shipped the order, even though they closed my account, so they still wanted that sale. I called Comenity, and they stated that was their policy. They said my account was closed on the XXXX, and it must have taken a couple of days for it to show, since I placed my order on the XXXX. So now I received my order that I had to pay on a closed account. Even if my overall usage went up, I had been making purchases with the company and was never late on this card or any others.
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
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: I opened a XXXX, Bath & XXXX credit card to begin repairing my credit after a disastrous divorce that ruined my credit. Since I travel extensively, I have a PMB where my paper mail is delivered. When I opened the XXXX & XXXX account, I chose the " paperless invoice '' so that I could pay the bill electronically. I only have my mail forwarded once a month so unless the invoices I receive are paperless, I may receive the invoice late. ALL MY BILLS ARE PAPERLESS AND I HAVE NEVER HAD AN ISSUE WITH RECEIVING AN ELECTRONIC STATEMENT. The first month ( XX/XX/XXXX ), I didn't receive an electronic notice, but I DID receive a paper bill to my PMB. It was in time so I paid the payment online. I called the credit card company ( Comenity ) and spoke to a nice representative who assured me I WAS enrolled in paperless billing and was not sure why I had received a paper bill and not an electronic one. She had me check all spam folders, verify the email it was to be sent to, etc., but there was no issues. She believed, since the account was new, it had just not been sent electronic due to the new start date. She assured me it would be sent electronically the next month. In XXXX and XXXX the exact same thing happened. I received a paper bill and no electronic bill. I contacted XXXX customer service. Assurances I WAS enrolled in paperless, no idea why I was getting paper bills. ( I have XXXX paper bills to prove this ) In XXXX, I found out they had reported me late because I had called them late to find out why I was STILL not getting an electronic bill. I spoke to a supervisor and shut down the account immediately to avoid any additional late reports to the credit bureaus. I want this late notice removed!!! ( Details : https : XXXX, Account under XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Expires XX/XX/XXXX XXXX XXXX, Password XXXX ) XX/XX/XXXX : Address updated XXXX XXXX PMB so no delays in mail, email updated to XXXX - thinking they were having an issue with XXXX XX/XX/XXXX : Called Comenity when no paperless invoice came. Paid the rep so wouldn't be late XX/XX/XXXX : Called Comenity when no paperless invoice came. XX/XX/XXXX : Paid off since could not get an electronic invoice and they had reported me late. Spoke to XXXX - Account supervisor
Company Response:
State: FL
Zip: 32536
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had this card since XXXX of 2021. And I pay very well on it by the love and will of Jesus Christ and our loving precious father God. I do believe these companies think they can take advantage of older people I am ( XXXX XXXX XXXX ) I have been paying monthly payments on this credit card since XXXX of 2021 and every day up until now this month XX/XX/2021 I have payed my monthly bills. I had no earthly idea that the company wasn't applying my monthly payment 's. Okay my first payment was in ( XXXX of 2021 and I payed XXXX payment for XX/XX/2021 ) then thereafter I have been ( paying from XX/XX/2021 to present XX/XX/2021 XXXX month 5 months I have payed my bill to them faithfully ) then I decided to check the balances over the phone because I would have never! In my life thought my bill was still at a balance of ( XXXX when I only had a spending balance of XXXX I am like what??? I have payed those people 's XXXX on a XXXX store credit card and they have not! Applied my payments toward my balances. I called them and asked them for my statements several times and they refused to send me my statements to my new address from the beginning and they will not sent me my statements I called and called several of them that work for this company plus mangers and all. They are refusing to add my payments I have payed them and they are refusing me my monthly statements from XXXX up until XXXX and they will not give me print outs are where are what they have done with all my payments. It's terrible I have payed these people 's and they not applying all my monthly payments. It's no way I have payed them ( XXXX ) and my bill is still XXXX because they only had given me XXXX store credit. I told them it's illegal fraud and thief they told me boldly and coldly you will not get your statement 's from your payments each month we will not sent them too you cold heartedly and they have not! And never sent me anything about my monthly payment 's not applied and never been applied. Be blessed
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Re : Reference Number XXXX Notice to all, I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof or the surname/given name ******, and I have been appointed and accept being the executor both public and private for all matters proceeding, and hereby claim that I will d/b/a ******* and autograph as the agent, attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I dispose the following facts, so be it, now present : Fact, the Equal Credit Opportunity Act and the Consumer Credit Cost Disclosure are intended to secure my right to credit. My rights have been denied and Comenity Bank has discriminated against me so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of fraud and theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Comenity Bank violated 15 U.S. Code 1642, 15 U.S. Code 1602p and 15 U.S. Code 1691. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Comenity Bank violated 15 U.S. Code 1642 violate federal law because I made an application, but credit was not issued. Comenity Bank denied me credit. Fact, affiant is aware and has proof in pursuant to 15 U.S. Code 6802, Comenity Bank may not report my nonpublic personal information as this statement confirms my request to OPT OUT. This means, I am requesting all inquiries and any other information regarding my relationship with Comenity Bank be deleted permanently from all consumer reporting agency databases including but limited to XXXX, XXXX, XXXX and XXXX XXXX. proof pursuant to 15 U.S. Code 1605 that a finance charge was involved because my social security number was used. Fact, Affiant is aware and has proof pursuant to 15 U.S. Code 1602 that the use of my credit card ( social security card ) in this consumer credit transaction ( application for credit ) is unauthorized use because I received no benefit. Fact, affiant is aware and has proof pursuant to 15 U.S. Code 1681b that Comenity Bank fraudulently obtained my nonpublic personal information from XXXX because I did not provide either corporation with written instructions to furnish my consumer report to Comenity Bank. Also, I did not provide Comenity Bank with written instructions to retrieve my consumer credit report. Fact, Affiant is aware and has proof pursuant to 15 USC 1611, Comenity Bank is criminally liable for violating 15 USC 1602 and 15 USC 1605 because I received no benefit. Also, a finance charge was involved in the consumer credit transaction I initiated on XX/XX/2021 but there was no mention of a check being mailed to me, the original creditor, for a finance charge in the adverse action letter I received. Fact, affiant is aware and has proof pursuant to 15 USC 1691, Comenity Bank, can not deny me the credit I requested. XXXX XXXX XXXX, XXXX. has discriminated against me for exercising my right to credit. Fact, affiant has identified your Georgia registered agent. If Comenity Bank fails to comply with federal law and meet my demands, affiant will seek legal action in a court of law.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2021-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Comenity Bank/Marathon Visa Account number, XXXX. is a fraudulent account that was opened in XXXX, XXXX by someone using my person information without my authorization or knowledge, This is being reported on my XXXX XXXX XXXX. The address that was used to fraudulently Apply for and open this Comenity Bank/Marathon Visa is not my address, nor have I have resided at that address, nor do I know anyone who resides at that address which is located more than XXXX miles away from the address I've resided at for more than 22 years, XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX I have filed a Police Report, Filed out an " AFFIDAVIT OF IDENTIY THEIF '', provided documentation proving that I've never resided at the address used to apply for and open the fraudulent account, proven that I've lived at the same address more than XXXX miles away in a different city, in a different county, and have no ties to the address that was fraudulently used to apply for an open the Comenity Bank/Marathon Visa . Comenity Bank/Marathon Visa refused to remove the account from XXXX XXXX XXXX claiming that they can verify the phone number, which was already proven to be a fraudulent account by XXXX, and not mine. As well as claiming I made payments on the account, which I didn't I have repeatedly asked for proof of this documentation, yet Comentiy Bank/Marathon Visa refuses to provide any information to me too support their claim that the account belongs to me, which is doesn't. Comentiy Bank/Marathon Visa charged off the account in XXXX, then sold it to a third party, XXXX XXXX XXXX XXXX who in turn dismissed the matter agreeing with me that the account was fraudulent. Unlike Comenity Bank I have provided documentation to support my claim of Identity Theft.
Company Response:
State: FL
Zip: 34472
Submitted Via: Web
Date Sent: 2021-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-26
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Comenity bank dental finance keeps taking credit from me. My account is in good standing it's down to {$1400.00} they took, even more, this time the XXXX time this year. It doesn't matter if I make more payments I will still lose all my available credit & only have {$15.00} from {$200.00} available credit. I am being treated this way because me being a single female. I am being discriminated against. My credit score is getting even lower. They try to get by saying it's the credit bureaus. They don't give the credit they just report what creditors report to them. It's them unfairly taking credit away from me. All my other credit accounts are current also. I don't know why they are treating me this way at this rate I'm never going to get a higher credit limit.
Company Response:
State: AL
Zip: 36869
Submitted Via: Web
Date Sent: 2021-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Comenity Bank ( XXXX XXXX ) on numerous occasions has charged me {$2.00} " fee '' on a XXXX balance, never sent a bill or notified me. Then charged a {$35.00} dollar late on a XXXX XXXX. I have since closed the account and will close all accounts with these scumbags.
Company Response:
State: PA
Zip: 15301
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am a victim of identity theft. According to the State of XXXX Consumer Credit Reporting Agencies Act FCRA US 16 1851 States that a consumer has a right to privacy and as a data furnisher you are in violation of this the right be reporting inaccurate, erroneous, slanderous and fraudulent information. FCRA 611 US 186 or 18 are being violated because as the original creditor I have released from this debt and filed a ceist and desist from the creditors so reporting theses inaccuracies warrants restitution for each time that it has been deleted and repurposed onto the report in the amount of 1,000 per each instance. the following items were deleted in XXXX twice then repurposed twice in XXXX amounting in a total of $ 8,000.00USD. I will accept settlement in the form of a check due to the damages accessed for the inaccuracy of reporting which is apparent. Im excising my consumer right as outlined in the FCRA 605B & 611 for accuracy in reporting and to have items that are of fraudulent nature that have steamed being a victim of Identity theft to be updated on the report and to Cease to Desist within 5 calendar days of receipt of these notarized documents. Since its the third time Im sending these documents I have the right to bring civil action against anyone including XXXX, and XXXX who improperly obtains access to my credit file, knowingly or willingly misuses file data, and or fails to correct inaccurate data within designated timeframe of 5 calendar days in accordance with FCRA 605B consumer law. Below are the accounts that are fraudulent and need to be removed pursuant to the FCRA 605B & 611, Truth and lending act and CCA Privacy and Consumer Laws. Thank you. FILE # XXXX CEASE AND DESIST REPORTING the following fraudulent Accounts within 5 calendar days this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I am requesting a Cease and Desist from XXXX in additon due to their negligence in accuracy of reporting and infringing my right of resitiution in the amoutn of 2,500 per violation that they have erroneously reported which has cause extreme emotiional distress, lack of crediability and physical harm. Account Name charge date Comenity Bank Victoria Secret XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FCRA LAW 605B, 623 and 611 state that within 4 CALENDAR DAYS INACCURATE, FRAUDULENT AND ERRONEOUS INFORMATION SHOULD BE SUPPRESSED FROM REPORTING BECAUSE THEY ARE NOT VERIFIED AND OR CONSECUTIVE THROUGH OUT ALL THREE REPORTING AGENCIES THEREFORE CONSTITUTING THEIR ERRONEOUS IN NATURE AND INACCURACY. ALL THREE BUREAUS NEGLECTED AND HAVE CAUSE GREAT DESPAIR AND HARDSHIP TOWARD ME ESPECIALLY XXXX WHICH I HAVE PAID FOR INSURANCE AND YET MY DATA HAS BEEN LEAKED ALL IN THE DARK WEB I HAVE ATTACHED THE INFORMATION TO THIS POLICE REPORT. Consist to the Credit report the following pertains : Fraudulent addresses that need to be permanently removed from my credit payment are as follows : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX NY XXXX Thank you and I am looking to prosecute for damages, emotional distress, and compensation ultimately until this matter fully is vindicated and absolved, my Credit profile is reporting accurate data once again and my creditworthiness is restored to the full extent possible by the FCRA law.
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is an account on my credit report ( XXXX XXXX that I do not recollect opening. I sent a letter to the creditor, Comenity capital bank asking for information on this account but more importantly, I would like a copy a contract/ and or what was bought at XXXX so I could investigate it. Comenity capital bank sent a letter back to me saying the account in question was sold on XX/XX/2019. Im not sure how they can report this on my credit without validating this account at my request.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2021-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/21 I paid the entire balance due on an XXXX store brand card. The total was {$11000.00}, much of which was a deposit for furniture that would not be delivered for months. Due to quality control and delivery problems, I canceled and returned almost all of the purchases beginning XX/XX/21. On XX/XX/21 I requested a refund for a credit of {$3700.00} to be mailed to our new address. The bank said they had to send it to our original mailing address from when we opening the card. Comenity Bank said they would issue a refund in 7-14 days. The didn't actually issue the check until 22 days later, on XX/XX/21. Because it will need to be forwarded to FL, we don't know if it was received or not. On XXXX we called Comenity Bank to find out the status of the new refund of {$3100.00} for items returned since XX/XX/21. The told us no refund will issue until we actually cash the first refund check.
Company Response:
State: FL
Zip: 33428
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A