Date Received: 2021-12-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I asked the credit company to take a late payment off if my credit reports because of good faith. Ive never been later before and this one should have been an exception.
Company Response:
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
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: Hello I have repeatedly sent out disputes as I have identified several inconsistencies on my credit report with this creditor. First and foremost my account is showing a different opening date across all three credit bureaus. The high balance is inconsistent across all three credit bureaus two agencies show a high balance of {$730.00} and one shows a high balance of {$100.00}. Date of last activity is different across the board as well. One is saying XX/XX/2019, XX/XX/2019, XX/XX/2019. Under 15 U.S Code 1681i ( 5 ) ( A ) treatment of inaccurate or unverifiable information should be deleted immediately! I have the right to dispute inaccurate information in my credit report.
Company Response:
State: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I checked my credit report and found that my XXXX XXXX account which is financed by Comenity Bank has reported me as 30 days late on this account that I PAID OFF in XX/XX/2021. It appears that after I paid off the account, the company continued to charge interest unknown to me because I receive online statements. After paying off the account, I had no need to check any online statements. In addition, the company should not have continued to charge interest on a PAID OFF debt. I paid XXXX to satisfy my debt with them and haven't charged anything on my account in months. Due to the interest charges and late fees, the account now has a balance of {$43.00} and they are reporting me late. I have perfect credit with all other creditors and previously had perfect credit with them. They caused this problem with their tactic of still trying to collect interest. Also, I have several other accounts with this bank and one can clearly see how I pay on my accounts which are all in GOOD STANDING.
Company Response:
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX Attn : Credit Disputing Department XXXX XXXX : Requesting Removal of 30 Day Negative reporting to all XXXX credit reporting agencies [ XXXX XXXX XXXX XXXX XXXX _ _ _ _ _ _ _ _ _ _ _ _ _ _ ] My name is ______________ and Im a XXXX XXXX XXXX XXXX XXXX Im writing you today because it was brought to my attention yesterday ( XXXX ) by XXXX XXXX XXXX from Comenity Capital Bank XXXX that my account was 30 days past due. If youre able to check my payment history, I always paid my account in FULL every billing cycle since Ive had my account with your bank/ Bjs membership. On XX/XX/2021 the financial institution that I use to pay my Bjs account, which is XXXX XXXX XXXX XXXX ( last XXXX XXXX ) was compromised and they immediately closed my checking account pending investigation ( please refer to the accompanying letter from XXXX XXXX, verifying my claim ). I always attach auto-pay to all my accounts, so I wouldnt come across problems like this ; oddly enough XXXX XXXX had assured me that theyd pay all incoming debits for 60 days as a courtesy, but they dropped the ball this time. I wasnt able to verify which creditors were connected to that account for payments because they totally removed the entire account information/ history from their website. Id appreciate it if you would notify the ( XXXX ) XXXX credit reporting agencies to reverse the 30 Day Negative report made [ XXXX XXXX XXXX _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ ]. It affected my XXXX score drastically, it went from XXXX all the way down to XXXX due to such reporting. Regards,
Company Response:
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: My credit was pulled on XX/XX/XXXX. On my credit report with XXXX and XXXX XXXX it shows as " comenitycb/wyndham '' as a charge card. They can be contacted here XXXX XXXX XXXX. For some reason it's not listed with XXXX ( thankfully ). When I went to the timeshare showing in XXXX XXXX, I was told to sign documents stating i would no longer come to XXXX events as i wasn't interested in them and they don't want clients to come back and use them. I have no idea why i even have this rewards line of credit when i have no interest in their resorts. There's also a dispute with XXXX under my name as well, for the OTHER credit card they opened without my permission.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
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 have disputed this account and have reached out to the XXXX MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Got s bill from an account I didn't open nor did I make the purchases.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Comenity Capital Bank promise made first 3 months payment on my account they not done that yet then drop my credit limit without asking me first
Company Response:
State: GA
Zip: 30165
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have paid off my credit card and closed it. The company during pay off confirmed that I will have no more balance and the account is closed. The company some how now managed to put some fees and constantly increased the balance and reporting this information to credit bureau. I would appreciate if this company bjs XXXX XXXX can stop this harassment.
Company Response:
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The card I am submitting a formal complaint about was issued by Comenity Capital Bank through XXXX - originally a {$350.00} limit card when first opened. Covid-19 happened and I had a job loss. I have attempted for over a year with Comenity Bank, asking for a detailed, itemized forensic reports, Covid-19 " relief '', negotiating a pay off amount, etc. and it's ALWAYS the standard answer of " please give us a call to discuss your matter ''. When calling you can not get through. Many letters sent on my side, as I prefer to have things in writing, and I have stated that each time. No communication other then one letter and vague messages back and forth on their website platform. Now, my bill has rocketed to {$1300.00} with no amorritization, nothing. The card was closed in XXXX of 2020. I paid monthly for their " account assure '' in case of job loss, but since there is no transparency of fees or anything, I'm not sure what was applied. I sent them all of my EDD paperwork to process for payment from account assure as well. I tried to resolve the issue through the XXXX and it just keeps slipping through the cracks and getting larger every month. This treatment isn't fair at all, especially at a time like this. I am willing to pay the {$350.00} from my original bill, but that's all. I feel that they have taken advantage of customers during this time and they are not following the Covid-19 relief laws that were put in place in California. Thank you.
Company Response:
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A