Date Received: 2023-10-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XX/XX/2023, I learned of Community Capital Bank ( CCCB ) presenting a negative report and contacted the Company. The alleged debt evolved from an interest fee applied 12 days after the account was paid in full. When I informed the agent, I was not informed of any past or present charges ; she looked deeper into the account and realized my email address was incorrect and since my statements are paperless, I could not have been informed. The Agent then reversed all fees and penalties and allowed me to pay the alleged {$6.00} interest charged after my attempt to pay the balance in full. The payment was cleared and posted XX/XX/2023. On XX/XX/2023 CCCB again reported I had a balance of {$58.00} over 60 days past due. In response to my dispute XXXX updated the report on XX/XX/2023. Not only does it still show Im over 60 days past due ; the CCB reported {$28.00} due as of XX/XX/2023 yet a balance of {$58.00}. A result of CCBs action my credit score has plummeted from XXXX in XXXX to XXXX today. With the evidence I have presented and when you see in your own files, all my creditors report never late, I pray you will take appropriate action to remove Community Capital Banks false report and ramifications caused by it, from my report. Community Capital blames XXXX. XXXX Blames Community Capital. Neither will take the effort to resolve it inspite of information I have supplied
Company Response:
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Unauthorized withdrawals or charges
Subissue:
Consumer Complaint: Today on XX/XX/XXXX I received an enclosed letter from Sephora saying that I owed them XXXXXXXX XXXX XXXXI never opened a card with XXXX and even attempted in the past to call them and let them know that it wasnt me.They told me there was nothing they can and it would most likely be posted to my credit if nothing was done about it .I feel like it should be taken completely off my report because I definitely never opened a card with them before.
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: my identity was stolen and used to open multiple credit card accounts
Company Response:
State: CA
Zip: 91303
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 It also states a consumer reporting agency Can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a credit card account as late for any purpose. Under 15 USC 1666B a creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.
Company Response:
State: NC
Zip: 28412
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I paid off my Caesars credit card, through comenity bank, in full on XXXX XXXX, 2023. As I was paying the card off online, I noticed that my card was registered to an old email account that I no longer have access to. I successfully changed my email address on their site, not knowing that this would raise a security concern and would suspend my account. On XX/XX/XXXX, I attempted to use the card again for the first time, and it was declined. I was never informed or emailed that my account had been suspended due to a security concern. I called comenity bank first thing Monday morning on XX/XX/XXXX. The individual that I spoke to, had me verify several personal aspects of information including my email and phone number. I informed him that I recently changed my email because I no longer had access to the one that was originally listed on the account. After a short hold, he informed me that Comenity bank was in the process of reviewing my account and that I would receive a letter in a few days regarding the security issue. On Friday, XXXX the XXXX, I had still not received any further communication from Comenity bank, I called them again. This time I spoke with a lady who informed me that a letter was sent out, requesting that I submit a photo of my driver 's license, ss card, and utility bill. She told me that rather than wait for the letter ( which she felt I should have already received ) I should simply send the info to the email address which she would provide me. I was informed that once this information was reviewed then my account would be returned to normal. Although I was hesitant to send sensitive information through email, I complied with the request. On Saturday, XX/XX/XXXX, I received a letter from Comenity informing me that my account had been suspended due to a security concern ( the first time I had been informed through writing ), and that I needed to contact them within 30 days of receiving the letter or my account would be terminated. On Monday, XX/XX/XXXX, I called Comenity who informed me that my account had been closed. When I inquired to the reason, I was informed that the information that I sent to them was not approved. I requested to know why ( after all it was my actual driver 's license, ss card, and utility bill ). They informed me that they would not release that information and that I could send the items again if I so desired. I informed them of the recent letter that I received, telling me that I had 30 days to contact them, they stated that because I submitted my information via email then the 30 day period was no longer valid. I finally concluded the call mentally exhausted from the back and forth. The following day, XX/XX/XXXX, I received a letter in the mail which requested the personal forms which I had already submitted ( driver 's license, SS card, and utility bill ). On the back of this letter, it stated that all items must be sent via pdf or they would not be accepted ( I was not aware of this previously ). I resubmitted the forms on Tuesday, XX/XX/XXXX in a pdf format. My account is still closed, and I have not received any communication from Comenity.
Company Response:
State: MO
Zip: 652XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Company Response:
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This information is on my receipt. I mailed a copy of my receipt with a letter to their customer service. Their reason for not correcting problem was I waited past 60 days. I made my XXXX payment in XX/XX/XXXX, before even getting my XXXX statement. First statement was XX/XX/XXXX due XXXX NO INTEREST Second statement was XX/XX/XXXX due XX/XX/XXXX INTEREST! I had already made payment XX/XX/XXXX Third statement was XX/XX/XXXX due XX/XX/XXXX INTEREST! I pay my bills regularly " online at least a week ahead of statement. XXXX is when I noticed the interest when opening my mail. I immediately called and have been calling the store who tells me to call the bank who tells me to call the store, etc. for XXXX months now! Currently they are both refusing to fix THEIR error.
Company Response:
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A