Date Received: 2021-11-28
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I opened my XXXX credit card 2019. I have made my payments on time. Now they are taking credit from me messing up my credit. I feel I'm being discriminated against and wronged because of my being a female. I have paid my bills on time. They wait 2 or so years to look at my credit to take credit away from me. You still get wronged even after you paid your bill on time. My credit limit was {$250.00} down to now {$200.00}. How is someone supposed to build their credit when they keep decreasing your credit limit. I feel this is an attack based on my race and my being a female.
Company Response:
State: AL
Zip: 36869
Submitted Via: Web
Date Sent: 2021-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a XXXX credit score and for some reason commenity bank closed all of my accounts with them for no reason never late and paid all balances unfortunately doing this caused my credit score to plummet and then XXXX bank closed XXXX accounts all in good standing and paid balances this caused my credit score to plummet even more I dont understand how someone who pays all Bill 's on time and pays balances gets XXXX credit cards closed and has a credit score fall from XXXX to XXXX this is illegal I have seen more than XXXX complaints of commenity bank doing this to people who work hard to maintain high credit score it has ruined my life and I want something done
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2021-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I XXXX XXXX XXXX wish to contest the 30-day reporting on my credit file in reference to untrustworthy company called COMENITY/XXXX XXXX I have caught THIS COMPANY COMMITTING FRAUDLENT ACTS WHILE CHARGING ITS CUSTOMERS LIKE MYSELF AND THOUSANDS OF OTHERS FOR BENEFITS, THEY CLAIM WE CUSTOMERS CAN BE ELIGIBLE FOR IF LOSS OF EMPLOYMENT, XXXX, CONTRACTING COVID-19 XXXX I XXXX XXXX XXXX became furlough back in XX/XX/2021 My Acct. number for this acct. ends in # XXXX that is what comenity will ask you. If you check the dates my filing of unemployment claims the claim, I filled was dated XX/XX/XXXX. My furlough took place in XXXX of XXXX. I was able to make payments on my own until my savings ran completely out, which I knew that I would have a struggle to pay for XXXX, XXXX, and on or until I was able to get my claim started from XXXX. XXXX would NOT even take my calls therefore there was no way I could stop this late process on XXXX XXXX website. XXXX XXXX purposely wanting me to go into default did I mention while still robbing me of an XXXX benefit fee thus charging me late fees etc. If these were decent people that operate this company this would have never happen because I would have been able to use the XXXX benefit I was and has been paying for since XXXX XXXX. I legally sent what I had from y employer/ the state of Ohio and XX/XX/XXXX informed me from the XX/XX/XXXX website while I was trying to continue filing my claim to get help paying my XXXX XXXX bill while unemployed during covid that the documents that you are seeing in view was not sufficient to get assistance. Therefore my acct. purposely became late due to poor customer service from all parties that I trusted to assist me. This company that was the benefit third access to my claim called XX/XX/XXXX did not and was going to honor nor pay out my claim for me, yet continue to rip me off in XX/XX/XXXX payments while as I still could not file any claim? Not to mention I had presented all legalities of documentations way before my account had even been considered late. These XXXX XXXX/ COMENITY /XXXX crooks never intended to pay any claim of mine. I have also turned this matter over to FTC/FBI and US Attorney General asking them to investigate. I feel that If I submitted all the necessary form ( s ) that Unemployment has given me the state info that I sent to these crooks should have been sufficient to at least get one payment out of this XX/XX/XXXX fraud XXXX but no I got nothing but a flag on my credit report? saying that Im 30-days late? WTH when I have been FAITHFULLY paying this fakeXX/XX/XXXX benefit for XXXX near a whole year to secure me if I become unemployed and or whatever its coverages would cover me on this account? Seriously. I trusted that this acct. would indeed be covered. XXXX XXXX were taking my monies and I was faithfully technically never late to keep this acct. current in case something like I mentioned above like being unemployed whereas getting furlough was out of my control did indeed happen It is so sad that now that I did have to file a claim and was never ever able to get my claim paid for by these three parties involved in the benefits coverage scam they ran on me. I was going to be really late if never getting any assistance in getting nor keep my acct. current with this XXXX XXXX. With all this madness taking place on me for no reason this makes no sense to take peoples hard earn monies for almost a year and they can not file a claim for which they covered themselves for to get their bill waived and or paid to keep their credit and acct. in good status which is what we consumers had been paying for? That is why I was 30-days late with this horrible company! With me trusting XXXX XXXX after opening this jewelry acct and taking out this so-called benefit fraud taking place all three parties placed me and my credit in a bad untrustworthy jam and should not have. I TRUSTED THESE PEOPLE. IF I KNEW THEY WERE GOING TO DEFRAUD ME OR NOT HONOR THEIR BENEFITS SYSTEM THEY CHARGED CONSUMERS LIKE ME FOR I WOULD HAVE NEVER TOOK THIS FAKEXX/XX/XXXX XXXX OF INSURANCE BENEFIT OUT TO COVER ME INCASE I LOST WORK, GOT COVID-19, XX/XX/XXXX OR WHATEVER! XXXX SHAME! I apply for their so -called benefit for financial assistance. I have paid on this fake insurance since XX/XX/XXXX, all the way up to XX/XX/XXXX. I need to get assistance not to mention I applied for this help way before my acct. payment was even due. All three partys XXXXXX/XX/XXXX/comenity bank and this fraudulent company that a third party called XXXX somewhere in XXXX Ga XXXX Completely ignored me. Me trusting this company called XXXX andXX/XX/XXXXplayed a huge issue in being able to NOT get the assistance thus caused my bill to be late when I applied like 4-5 weeks prior to my XXXX payment becoming due to pay to XXXX XXXX. I took care of my business in order to stop this acct. from becoming late in payments. Why would I not act? My mission is to keep credit score and rating in good standing therefore why would I sit back and do absolutely nothing! You have got to be kidding me. I acted asap these creditors did nothing! WAY BEFORE I EVEN THOUGHT ABOUT SUBMITTING ANY CLAIM TO THESE ASSURRED PEOPLE. I PREVIOUSLY NOTIFIED XXXX XXXX ON THEIR WEBSITE THAT ASSITANCE IN GETTING MY BILL PAID THRU XXXX WAS NEEDED XXXX STILL DID NOTHING I Did everything thing I possibly could to prevent this acct. from becoming late. I FILED MY CLAIM IN A TIMELY MANNER AND STILL DID NOT GETTING ANY ASSISTANCE WHEN I WAS UNABLE TO PAY? Mind you I am the customer that is being ignored and not getting the assistance WHILE I have been paying XXXX near a WHOLE year on that XX/XX/XXXX benefit that was unable to use because these people did not honor their benefit, they charged me for almost 1 year! Huh. Evidence attached.
Company Response:
State: OH
Zip: 45014
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
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 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX, XXXX XXXX, XXXX, Victoria Secret, all during COVID did I have trouble paying, I was in XXXX XXXX XXXX
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2021-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
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. COMENITY CAPITAL BANK & {$2500.00} 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 XXXX. 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 XXXX XXXX XXXX XXXX XXXX
Company Response:
State: RI
Zip: 02905
Submitted Via: Web
Date Sent: 2021-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
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: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
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 raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.
Company Response:
State: RI
Zip: 02861
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
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 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Company Response:
State: GA
Zip: 31794
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
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: I received a bill from Commenity Bank XXXX for a renewal membership from XXXX XXXX XXXX. On approximately XX/XX/2021 I called Commenity Bank to cancel their credit card, which they did on XX/XX/2021. I was informed immediately by Commenity that they would not call XXXX 's because " we just don't do that '' and that it was my problem. I then called XXXX 's and spoke to someone who said my membership fee will be refunded on my credit card. On XX/XX/2021 I called Commenity Bank and spoke to XXXX ID # XXXX. She said nothing is posted from XXXX 's and I need to contact XXXX 's. Whereupon I called XXXX 's and spoke to XXXX, Ticket # XXXX. She said they would escalate it and call me back. I never received a call back or email from XXXX 's. I called XXXX 's again Ticket # XXXX. The representative reiterates escalation to a credit department and a call back or email in XXXX hours. No one ever calls back. On XX/XX/2021 I called XXXX 's and spoke to XXXX, XXXX # XXXX. He said he would escalate this matter to the credit department and someone would call back in XXXX hours. No one contacted me. On XX/XX/2021 I called XXXX 's again and spoke to XXXX XXXX. She used my original Ticket # XXXX and said yet again she would escalate this matter and then call back or email in XXXX hours. No one called or emailed back. I did not send a letter to Commenity to preserve my rights in this matter. It is now past 60 days. Commenity will not call XXXX 's and XXXX 's will not issue a refund. They keep stringing me along and Commenity just continues to tack on fees.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A