Date Received: 2021-11-12
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITY BANK/LNBRYANT XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XXXX heavily promotes opening a new credit card and does this by claiming to offer a 15 % immediate discount on the first purchase using the credit card which must be used within 30 days. I applied and was approved for the card the same day as per requirements resulting in a hard inquiry. However when I tried to use the discount for a product listed at a full ( non-promotional ) price with no other promotions applied the website indicated that the " order or profile dose not qualify for the first purchase discount with XXXX Credit Card ''. I tried this with multiple items and received the same exclusion message. There is a link to the First Purchase Disclosure and I can see nothing listed that would exclude any of the items that I tried to purchase. I was not successful in finding an item that was eligible for the discount. I ordered the item ( order date XX/XX/21 ) with a lower alternative discount applied, but
Company Response:
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
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 Report. The XXXX Credit Bureau is reporting inaccurate information on COMENITYCB/FOREVER21. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
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 Report. The XXXX Credit Bureau is reporting inaccurate information on COMENITYBANK/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Comenity Bank - issuer of the XXXX Visa Credit Card - knowingly and deliberately allowed my card to be potentially stolen, and refused to void the potentially stolen number and issue me a new number. Comenity Bank either attempted to aid and abet identity theft, or at least they made no effort to mitigate a known, potential case of identity theft. During the month of XX/XX/2021, I tried to use my XXXX Visa card but the transaction was declined. When I called to inquire why, I discovered that my current card was void, and that Comenity Bank had sent me a new card with a new number. The new card had been issued when the XXXX XXXX was transitioned from XXXX XXXX to Comenity. Supposedly, the new card had been sent to me many months previously, but I had never received it. Thus, the account number on my card no longer matched the active account number. I informed Comenity Bank XXXX XXXX Visa customer service that I had never received the new card, and that therefore, that card should be considered lost or stolen. It is possible that someone had stolen the card while it was in transit in the mail. Therefore, I asked customer service to please void the active account number ( i.e. the number on the card that was sent but never received ) and send me a new one. Customer service paused for a few moments and then replied, " I am sorry, but the request has been denied. Please watch your mail for a letter you will be receiving in 8 to 10 business days explaining why. '' So I waited. When I received the letter, it said that my identity could not be verified. Therefore, I tried again. I called customer service again and reiterated the problem, namely that my card was lost or stolen, and that I could become a victim of identity theft if the active account number was not voided. Once again, customer service paused for a few moments and then replied, " I am sorry, but the request has been denied. Please watch your mail for a letter you will be receiving in 8 to 10 business days explaining why. '' When I received this letter, it said the same thing as before ; my identity could not be verified, and therefore, I could not be issued a new card. I tried a few more times, but the same thing kept happening. It became apparent to me that Comenity Bank was either trying to encourage identity theft, or at least, they were making no attempt to discourage it. They knew that my card had been lost or stolen, and they knew that someone might be able to use my card to make purchases in my name, but they refused to do anything about this. I still have no idea what they meant when they said that my identity could not be verified. Every time I called, they asked me for identifying information such as my Social Security number, etc. ( They also asked me my account number, but I told them that I didn't know my account number, since I had never received a card with the new number. ) I answered every question they asked me. And when I asked for a new card to be issued, they merely paused for a moment before replying that the request was denied ; they never said, " Oh, before we can process that request, we must ask you the following questions... '' Finally, I realized I had no choice but to close the account. So I called and asked for the account to be closed. Within moments, the customer service representative replied that my request was accepted and that the account was closed.
Company Response:
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Wayfair Is the company I paid it through a settlement wayfair is run by committee bank I have tried for 3 and a 1/2 months to get this corrected on my credit report and they have not corrected it
Company Response:
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: This is an old account, more than 12 years old and no longer on my credit. They keep calling me and Ive told them to stop. They dont listen and continue to call me. It is also against the law.
Company Response:
State: AZ
Zip: 85213
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have a two late payments on my credit report from Comenity/XXXX XXXX which I never be contacted through phone call or email before it happen due to an error on my automatic payment schedule with my bank, if you verify all my account have an excepcional payment up to 5 years ago, and this account continue up to date on payments after I be aware of the situation, it is hurting my current credit report and it is no fair without a previous alert from the lender, I would like to remove this two late report.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
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, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaint.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Comenity bank has the same account on my report twice. This new account just showed up on my report with the same dates, the same amounts, and the same company. This is hurting my credit report tremendously.
Company Response:
State: VA
Zip: 23225
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A