Date Received: 2021-12-04
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: In XXXX of 2021, I received a bill from Victoria Secret ( commenity bank ) for charges that I did not make and I did not receive. They started an " investigation '' and in XXXX they sent me a letter stating that the charges were going to remain on my account. Whenever I call them, their agents will either hang up or transfer me when I ask for their names. I am trying to refinance my house and I once again disputed the charges. Their " investigation '' that XXXX from the fraud department stated, " was done by the FBI and showed that I received the products and they were not going to remove the charges from my account. '' XXXX also claimed that " the FBI took photos of me wearing the clothes that I was disputing. '' I do not believe that the FBI investigates anything for commenity bank and Victoria 's Secret. They have since reported the account closed but didn't report that the account was paid in full. It shows a balance of XXXX. XXXX stated that because they closed the account, I can not claim fraud and have my money returned to me. The fraud was reported in XXXX and they waited until XXXX to close the account after I had made the payment and their reason was because I reported the transaction as fraud. XXXX then stated that my voice sounded too feminine and so she was flagging my account and wouldn't answer any more questions. She then asked me if I had any other questions that she would refuse to answer. XXXX was laughing and stated that I would just have to live with whatever they decided to do to me and that she could ruin my life if she wanted to. They are refusing to report my account as paid in full and stated that they would report the payment whenever they felt like it and XXXX stated that she was going to report my entire credit history as fraudulent and that I would never get a loan or be able to refinance my home. The money has been taken from my account to pay this bill and XXXX also stated that they could report the charges on the account indefinitely and there was nothing that I could do about it.
Company Response:
State: CO
Zip: 80127
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-04
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 multiple times with the credit bureaus as well as the creditor. None of which have provided me any proper validation of this account, also I have disputed the inaccurate information such as reporting dates. This account is inaccurate and derogatory, which is in violation of my consumer rights to the best of my understanding.
Company Response:
State: FL
Zip: 32812
Submitted Via: Web
Date Sent: 2021-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-04
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I was asked if I wanted to be prequalified for a Zales XXXX card and I specifically asked if she was going to pull my credit and she told me no that it wouldnt and that it was just a pre qualification. Then as soon as she told me no my phone started popping up with emails saying theres been a change to my credit report and she continued to tell me that it wasnt checked then I asked her one more time if it was pulling my credit and she said yes. A PRE-QUALIFICATION means that its supposed to be a soft credit pull. Now I have a hard inquiry on my account that I had given no consent to. This was at Zales XXXX XXXX
Company Response:
State: MS
Zip: 393XX
Submitted Via: Web
Date Sent: 2021-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I should begin by saying that I have a XXXX history of making on-time, in-full payments on my Ann Taylor/Ann Taylor Loft credit card XXXX which is managed by Comenity Bank. The problems all began rather suddenly several months ago, when I started being assessed " late '' fees by Comenity Bank -- allegedly for payments that were received after their due date. Initially, I assumed the problem was due to USPS delays, so I began mailing my payments at least 15 business days prior to their due date. However, that did not help. Indeed, the late fees continued. This was most distressing b/c as I noted above, I have ALWAYS paid my bills in full and on time and my credit history/score reflects this. Then in XXXX of XXXX, I mailed my FULL payment ( of {$140.00} ) XXXX full days before it was due on XXXX. You can imagine my surprise and distress when I learned upon receiving my XXXX statement that my XXXX payment allegedly never arrived. Besides being assessed even more late fees and having an even bigger balance to pay off in XXXX, I had to pay {$29.00} to my bank to cancel the check I'd sent. To date, it has not turned up. On XX/XX/2021 -- XXXX days before it was due -- I mailed a {$240.00} payment ( XXXX 's balance, plus sizable late fees ) to Comenity. On XX/XX/XXXX, I received a phone call from an aggressive male Comenity Bank customer service rep telling me that my payment was due the next day and that if it was not received on time, I would be assessed even more fees. Again, I was astonished and extremely distressed to hear that my payment had ( allegedly ) not arrived by that point. When I noted this to the Comenity rep, he asked where I was sending my payments. I told him -- XXXX XXXX XXXX XXXX, TX XXXX. He said : " That's the right address. '' I later confirmed this address again w/another Comenity Bank rep XXXX It's also worth noting that throughout the last several months, I have monitored my checking account very closely online and I have observed that -- with the SINGLE exception of Comenity Bank -- EVERY bill that I have paid has reached its destination within a week 's time, and all my other checks have been cashed on a timely basis. In other words -- of the many bills that I pay each month, the single outlier over the last few months has been Comenity Bank. For some reason over the last 6 months, no matter how early I send the full payment, the check inevitably arrives " late '' or Comenity says it never arrived at all. This is what they are telling me and based on both my experience and that of so many other consumers who have filed complaints against this company ( see the XXXX XXXX XXXX and XXXX ), I don't believe it. This has all the hallmarks of a scam. In any event, I have done everything right as a responsible consumer and yet -- I am being punished and tormented by this company. I am sick to death of having to pay unwarranted late fees, being bombarded with phone calls, emails and texts from Comenity Bank, and having to pay sizable fees to my bank to cancel checks that allegedly never arrive to Comenity -- despite the fact that I'm : a ) using the correct address to send payments ; and b ) mailing my payments weeks before they're due. It goes without saying that I will be canceling my account upon receiving and paying off my XXXX statement, but I am warning others to stay away from this company. Something is VERY amiss at Comenity and I urge the CFPB to investigate.
Company Response:
State: VA
Zip: 22310
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: A charge was made on my Legendary Pine Master Card on XX/XX/XXXX at XXXX XXXX XXXX XXXX FL for {$460.00}. Called the XXXX XXXX on XXXX to dispute the charge. They said it was for family counselling- we have not been to XXXX in over 20 yrs plus we have medical insurance that would cover that. They removed the charge but reapplied it in XX/XX/XXXX and I received a letter dated XX/XX/XXXX stating they can find no basis to support the claim. Called XX/XX/XXXX and they were going to reinvestigate. Called XXXX and said the same thing. They said they called this company and got no answer as did I - the business dissolved XX/XX/XXXX and I have tried calling the phone number associated with it and no answer, XXXX XXXX said for me to file with my local sheriff office. I have had a bogus charge on another credit card and they actually contacted me and resolved it. Legendary Pine MasterCard can not prove that this charge is legit as they can't get ahold of the company that charged it,
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Identity theft protection or other monitoring services
Subissue: Billing dispute for services
Consumer Complaint: I had gotten an ( 350.00 ) store credit card from XXXX coat factory and I have been paying on this card only ( 350.00 in thier use ) I been praying them since ( XXXX or XXXX of this year 2021 and I just submitted a payment yesterday. So I decided to check my balance and I have payed this company at ( 180.00 on toward a 350.00 bill ) and I asked them why haven't my payments been going toward my monthly bills and they refused to tell me and told me they don't have too. That is a lie. I want my money or they must put it toward my bill. I only get items on this card no money so why isn't my payments deducted each payment date I am never late. I pay with my debit card. And they refused to sent my statement 's too my other address because they I never got a statement and I asked them why??? Now I see why because they been cheating Me and not applying my monthly payment to my bills.
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already 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 XXXX days and I have not received any investigation results. This is unacceptable! Please fix this.
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My previous appeal for you so that you can offer me all the information as to the person you mention to along with the addresses and names of the person or persons asked has regretfully never been achieved. At this point, I am thinking about the lawsuit and also have started the entire process of speaking to legal " suggestion ''.
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
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 ( s ) 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. XXXX XXXX {$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 I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
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 ( s ) 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 XXXX 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. Forever 21 Credit Card & {$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 XXXX XXXX XXXXXX/XX/XXXX XXXX, Iowa XXXX
Company Response:
State: CT
Zip: 06705
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A