Date Received: 2021-11-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XXXX of XXXX i was paying down my XXXX 's credit card and did so by XXXX of XXXX. After i payed my card down to zero Comenity Bank closed my account in XXXX of XXXX without my knowledge. In XX/XX/XXXX i received a call about a balance of {$430.00} and i informed them i owe them nothing because XXXX closed my account. They did some so called investigation an said i'm responsible. How can i be responsible for a account that was closed by the vendor and my card not available to use, then they reactivated my account after XXXX months without my knowledge. I believed that to be fraudulent and immoral.
Company Response:
State: NJ
Zip: 08016
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself without any help from a Credit Repair Company and I am addressing the inaccuracies on my Credit Report. The payment history of XXXXXXXX with account number XXXX is reported as late, yet it is closed and the balance is XXXX as reported in my XXXX 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: 11416
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
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: NC
Zip: 28115
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: In XX/XX/2021 I got a credit card bill from XXXXComenity for {$160.00}. I did not open a credit card with this company nor did I order any items. Someone apparently opened this account using my name. I contacted Comenity by phone on XX/XX/2021 and that some had fraudulently open an account in my name and made purchases on this account. Comenity rep stated that they will open a fraud investigation. I requested that Comenity send me a letter stating that the account has been closed, that I am not responsible for the charges to this account, and that the credit bureaus will be contacted to remove this account from my credit bureau report. On XX/XX/2021 I created an account on IdentityTheft.gov and submitted a fraud report. On XX/XX/2021 I received a letter from Comenity/XXXX ( attachment 1 ) stating that " we have updated our records and have notified the credit reporting agencies of the changes that need to be made to your credit report. '' The XX/XX/2021 letter from Comenity does NOT state that the account has been closed. It does NOT state that I am not responsible for the charges to this account. Only references " disputed amount ''. Because of this I created letter ( attachment 2 ) thru IdentityTheft.gov and sent it to Comenity on XX/XX/2021 requesting again to do the following : 1. Close the unauthorized account 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information of this account from my credit files. In XXXX I received a letter dated XX/XX/2021 from Comenity ( attachment 3 ) stating that " we have concluded that you are not responsible for disputed balance amount on this credit card account. '' In addition, we have submitted a request to the three national credit reporting agencies to remove this account from your credit bureau report, if applicable. This Comenity letter from XX/XX/2021 states only that " you are not responsible for the disputed balance amount.. '' It does not state that any charges on the unauthorized account has been removed. There is no mention of the account being closed. So that there is the possibility that additional charges could be made to this account. I contacted Comenity by phone and requested a letter stating that the account has been closed and that I am not responsible for any charges to this account. The representative refused stating that the letter dated XX/XX/2021 is sufficient and there is no action planned on their end. This is unacceptable to as it does not preclude future charges to this account. There is nothing in writing that states that the account has been closed and that ALL charges have been removed from this account.
Company Response:
State: MD
Zip: 21042
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting 30 days late ( XX/XX/XXXX ) as reported in my XXXX 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. COMENITYBANK/XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} Late Open COMENITYBANKXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} Late Open XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} Late Open
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
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 XXXXXXXX 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. VICSCRT bal. {$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 po box 4503 Iowa City, Iowa 52244
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
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: 30038
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: 2021-11-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am very upset with this issue. I sent a letter to the creditors and collection agency regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Company Response:
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: This credit card company calls me at least 10 Times a day from identified numbers as well as private numbers. They have contacted my relatives and revealed themselves as a creditor looking to settle a debt. I am now on a payment plan but I called to see why they would call a relative I rarely see and speak on an account that she is in now way associated with. I called the company and they answered every question but why they called and revealed my debt to my relative. It is illegal to tell anyone but me about my debt. They can call a relative legally only to inquire about how to get in contact with me but it is illegal to reveal they are attempting to collect a debt.
Company Response:
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This is XXXX XXXX, who is submitting this online complaint myself, and to inform you that I am not connected to any Credit Repair companies or any of its like that deals with the credit repair process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by the 3 Credit Bureaus. Despite sending them the last letter for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, the 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/2020
Company Response:
State: DE
Zip: 19808
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A