Date Received: 2021-12-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My credit limit decreased from {$750.00} to {$100.00} over a years span during the pandemic even after making payments each month. XXXX of 2021 my account was closed due to inactivity despite having a zero balance.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XXXXXXXX my account with XXXX XXXX ( Comenity Bank ) was closed and paid in full. Since this time, I continue to receive monthly statements with late fees and interest charges. I have contacted them several times with no resolution to the problem. Please help.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2021-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was receiving calls from Comenity Bank on my home phone and cell phone. I believed those to be annoyance calls and blocked the caller. I started to get concerned when my son-in-law was contacted by this bank and didn't know how his name or number was linked. I finally took a call from this bank and was told that there was a delinquent account that was opened in XX/XX/2021. I ran a credit report and saw an entry from a credit card that was opened with a {$17000.00} credit line in Missouri. There was an address on the residence information that was listed as the most recent address in XXXX. It was not my address. The other addresses listed were mine and I have been in XXXX for the past 10 years. All of my active credit cards and utilities are tied to this permanent address with a XXXX zip code. I have talked to the Comenity Bank fraud division and they said that this looks like fraud and they will investigate. They will be contacting me in the next 90 days by mail or call if they need additional information. The current balance on the outstanding account in about {$17000.00}.
Company Response:
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: XX/XX/2021 I spoke with XXXX at XXXX XXXX on a Saturday. He asked for payment, I informed caller I would go into the clothing store to make payment and he proceeded to ask why and started raising his voice. I informed caller because I have the right to pay in store and he continued to yell and tell me I needed to pay with a debit card. I informed he was yelling and tried to explain that I have an option to pay in store and he confirmed I had an option to pay in store but he proceeded to get loud and speak over me
Company Response:
State: AZ
Zip: 85202
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I sent a check in on XX/XX/21 in the amount of XXXX dollars. The bank said it was cleared on XX/XX/21 but the payment was never credited to my account. And Everytime I call I get someone overseas and they dont understand me.
Company Response:
State: PA
Zip: 163XX
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Hello I am writing this because I have been having an issue with this creditor, I have been disputing this account since XX/XX/2021. The agency has yet to respond. This account is reporting inaccurately across all 3 credit bureuas and that is a violation of the FCRA. There is a list of errors from this account including, high balance, date of last activity, last payment date, and a few other errors. According to the FCRA everything reporting on my credit report must be identical and this is not. Please assist me with the removal of this erroneous information on my credit report.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This account with XXXX XXXX XXXXComenity Bank , a department store credit account. The store closed and there was no forwarding information regarding the last of the bill I paid in full. While checking my credit report, I see that they added this to my credit report and I paid this in full.
Company Response:
State: LA
Zip: 70570
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: COMMENITY CAPITAL BANK IS STILL REPORTING ON CREDIT WHEN ACCOUNT WAS PURCAHSED BY ANOTHER LENDER KNOWNING AS XXXX XXXX XXXX C/O XXXX XXXX SERVICES WITH INCORRECT AMOUNT.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Please be apprised that XXXX XXXX XXXX XXXX Comenity Bank XXXX XXXX are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated my rights by : 1. Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) 2. Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) On XX/XX/2021, I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request for your office to provide me with proof and evidence of the debt you alleged I owed. Not only have you ignored my prior requests for validation of debt but you continue to report an unverified and disputable debt to the credit bureau causing damage to my character. You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Everyone is entitled to a validation. In my certified letter that I sent on XX/XX/XXXX I kindly asked for : 1. What the money you say I owe is for 2. Explain and show me how you calculated what you say I owe ; 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4. Provide a verification or copy of any judgment if applicable ; 5. Identify the original creditor ; 6. Prove the Statute of Limitations has not expired on this account ; 7. Show me that you are licensed to collect in my state ; and 8. Provide me with your license numbers and Registered Agent. You may wish to familiarize yourself with what is required when validating a debt. Your business had more than enough time to perform a proper investigation, the 30day mark has come and gone therefore this unverifiable account should be removed from my credit report. There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I will also be checking my credit report to see if you corrected the errors by simply removing this unverifiable account from my credit profile permanently from all 3 bureaus. I must remind you again to not contact me in any way via phone or mail in reference to collecting If I receive anything other than absolute removal of the account from my report, I will assume you are harassing me, and I will take action against you for these continued violations and abuse. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore within the 30day period, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. Thank you for your time Sincerely, XXXX XXXX *Proof of my validation and certified receipt accompanies this complaint.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A