Date Received: 2021-11-29
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: XXXX XXXX XXXX opened XXXX XXXX-XXXX late payments from XXXX Want to have them removed please. It has been XXXXyrs, payment history is exceptional now. XXXXXXXX XXXX XXXXr-opened XXXX XXXXXXXX late payments, it has been XXXXyrs, would like removed.payment history is exceptional now. XXXX XXXX XXXX XXXXXXXX late payments. payment history is exceptional now. XXXX XXXX XXXX XXXX-Paid in full, still shows on Report, need removed. I dont have amounts..to long ago XXXX XXXX XXXX
Company Response:
State: AZ
Zip: 85210
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello my name is XXXX XXXX. Firstly, Im a XXXXXXXX XXXX worker and unfortunately, Im dealing with XXXX XXXX XXXX caused by my Comenity Victoria Secret account Ive brought this issue up to Comenity before to have them make an adjustment to me credit report but to no avail. I missed a small payment due to XXXX XXXX XXXX, all the while I thought I had setup auto payment with Comenity. This caused me to be XXXX days late, however Comenity is reporting conflicting information across the XXXX bureaus, on XXXX theyre marking me late for XX/XX/XXXX whereas on XXXX Im marked late on XX/XX/XXXX, thereby giving the impression that I was late for both months which I was not. I am requesting that all the XXXX late payments be removed from my credit report, Im unable to refinance my home due to this, Ive attached a copy of my XXXX XXXX with this complaint. Account information : Account XXXX XXXX XXXX XXXX. Opened : XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ). Account status : Paid and Closed. Balance : {$0.00}
Company Response:
State: CA
Zip: 94030
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I am writing because I closed my account with Zales Outlet the XXXX XXXX on XX/XX/XXXX and paid it off in full. I began receiving phone calls from XXXX XXXX XXXX to collect a debt amount of {$69.00} and a new statement dated XX/XX/XXXX. On the bill there is an amount of {$33.00} for a previous balance and fees charges of {$35.00}. They have reported me as late for an account closed almost six months ago and has now messed up my 100 % payment history for the last XXXX years. I was put on hold and transferred three times for someone to help me with this. They told me I would have to call a number to request the credit reporting to be corrected. I have advised them I WILL NOT CALL ANYONE FOR AN ERROR on their part. They are refusing to help me. This is a scam and they need to be shut down. Please help me with this.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am roughly about 60 days late on my payment for my credit card. I made a small payment XXXX weeks ago however Comenity Bank sees fit to call my phone using multiple number multiple times in a day in attempt to reach me. XXXX XXXXXX/XX/XXXX I received a call from Comenity Bank ( caller ID listed ) - No Voicemail No Caller ID - No Voicemail Potential Spam - XXXX XXXX XXXX - Bo voicemail. ( I have answered the calls previously and they have all identified themselves as Comentiy Bank ) XXXX XX/XX/XXXX I have been called by No caller ID - 2 times Potential Spam ( XXXX Number ) - 2 times Potential Spam ( XXXX XXXX again ) - 1 time. Comenity also began harassing my family before trying to reach out to me I have had the same phone number for years so there was no attempt to reach me first. None of these calls started until Comenity started to collect for the late payment.
Company Response:
State: WA
Zip: 98502
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have three accounts with Comenity Bank : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I paid all three accounts in-full XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I have always received paper statements for all three accounts and never signed up for paperless statements. For the 1st time since paying the accounts off in XXXX, I received a bill in the mail XX/XX/XXXX for XXXX and XXXX XXXX XXXX XXXX stating I have a balance. I called Comenity Bank about the matter and was told I had incurred residual interest which I wasn't aware of since I didn't received a bill, which also caused late fees and reporting late to the credit bureau. while questing the representative I inquired about XXXX XXXX and found the same had occured with that account as well except I have never received a bill to date. I believe this all to be a fraudulent act against me on the part of Comenity Bank. I'm asking your help to resolve this matter and avoid this from happening to anyone else! I have paid the fees to avoid any further attack against my credit. I pray Comenity Bank will refund the wrongful fees and interest charged and remove any negative reporting that has occurred since the accounts were pain in full XX/XX/XXXX.
Company Response:
State: SC
Zip: 29720
Submitted Via: Web
Date Sent: 2021-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On the evening of XXXX XX/XX/2021 I tried to make a purchase from XXXX, a computer hardware parts company. The item was a NAS ( network attached storage ). After going thru a lengthy selection process, which compared : capabilities ; availability and price a item was selected and placed in the XXXX website cart, credit card and shipping information was entered and the deal was done, or so I thought. Checking my email, I saw a note from XXXX that my credit card was declined, and suggested I enter a different card, which I did. It was not clear if the second card was also declined, or if the information from the first card was persistent. I contacted the second card issuer first, XXXX XXXX, since I was sure there was no chance on being near the credit limit and was told ( from their fraud division ) that for my protection the charge was declined since I hadnt ordered from that company in the past. I then contacted the first card issuer, comenity bank and was first told that the purchase was approved by comenity bank, but rejected by XXXX, and that the decision was between XXXX and XXXX. XXXX gave me a number to XXXX, instead of connecting me to XXXX it transferred me back to XXXX bank who now ckaimed they actually declined the purchase based on their hunch. I was not able to make the purchase, and the effort to research the best product was lost.
Company Response:
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2021-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
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: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Please confirm the information shown in these collection accounts. The unverified accounts listed below are still reporting on my credit report in violation of Federal Law. This account was already PAID. I am no longer indebted to this company or its practices. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report these on my credit report. If unable to, remove the accounts immediately.
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Because of this incident, 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: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Basically I was shopping online at XXXX. When I was checking out it said I could save 40 % on this order if I applied for the card ( It even gave the exact dollar XXXX I would pay if I got it ). I applied. It said approved and said it would be added XXXX order. It wasn't. I called customer service to get the card number and a code for the XXXX percent off. The first associate hung up on me. The second directed me back through the automated system. At this point I knew this must be a regular thing for them and the employee knew I wasn't getting what I want and was going to be upset. I asked for a manager and he told me Don't worry, you'll get your card in a week and can use it then. I was like, No... I want to use it for this order. He told me it had to be used when making the order so he couldn't help me. I was still in the order!!! I had left it on my phone for days. So basically I made a contract with this company that I applied for their card and I got 40 % off. I did my part and they didn't follow their part of the contract and they don't care. The bank is called Comedity Bank. The manager wouldn't give me any last names and said there was no one above him to speak to. So basically I got scammed and my credit is taking a hit for no reason. He told me he couldn't close it and can't do anything about my credit.
Company Response:
State: WV
Zip: 252XX
Submitted Via: Web
Date Sent: 2021-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A