Date Received: 2021-11-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft CCB/CHLDPLCE Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was overlooking my credit report and noticed some discrepancies on it. I noticed that someone used my information to get credit cards and receive loans in my name. I never gave anyone my information or consent to use it, This was not me.
Company Response:
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2021-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have XXXX inquiries on my XXXX credit report that are inaccurate. XXXX is listed as " Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX '' and the other is listed as " Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX. '' I did not authorize these inquiries and I have no accounts or lines of credit with this entity. This is likely fraudulent, or it must be an error of some type. I disputed both of these inquires with XXXX on the afternoon of XX/XX/XXXX, and my dispute was listed as " resolved '' as of XXXX AM on XX/XX/XXXX. Both disputes were denied with minimal explanation from XXXX. Based on the speed of the denial and the lack of transparency, it is clear to me that this dispute was not properly investigated by XXXX. This is ridiculous and disappointing that I have XXXX potentially fraudulent inquiries on my report and I have essentially been told " oh well, that is your problem '' by XXXX. There needs to be greater accountability on the credit bureaus to ensure that their information is accurate since it has such a huge impact on the financial health of consumers.
Company Response:
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
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: MA
Zip: 02150
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. XXXX XXXX Balance Owed : {$0.00}
Company Response:
State: MI
Zip: 49441
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
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 account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Company Response:
State: CA
Zip: 92308
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2021 I was charged {$19.00} for an annual club membership from XXXX XXXX to their store credit card by Comenity bank. I did not subscribe to their service. I have for the past three years had to call XXXX XXXX and dispute this charge. I originally called XXXX XXXX on XX/XX/2021 to have the charge removed. They said they did not know what the annual club membership was and could not remove it. They then transferred me to another department, but that department could not help either. I was transferred multiple times to different departments, none of which could help resolve the issue. On XX/XX/2021 I called Comenity Bank and disputed the charge. They told me to wait a few days for XXXX XXXX to respond. While on the phone with Comenity Bank, we called XXXX XXXX together and tried to resolve the issue. We were transferred to multiple departments, none of which could remove the charge- with the agent from Comenity Bank on the phone. On XX/XX/2021 I called XXXX XXXX again and was transferred to multiple department. Finally one agent told me that the claim had been dismissed. I still have not received a credit from XXXX XXXX and do not understand how my complaint can be dismissed when I have asked for a refund multiple times. Since then, I have been charged late fees ( {$21.00} ) and XXXX XXXX still has not refunded the amount for the club membership.
Company Response:
State: OR
Zip: 97045
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity Bank has called me 3 times so far today, XX/XX/21. I answered the 3rd call at XXXX CST and told the person to please not call me while I am at work, from XXXX. The caller told me that I could just put my phone on silent. I responded and stated that it is my right to request that I not be bothered while I am at work. The caller responded to this by saying " or you could just pay your debt and we wouldn't be calling you. '' I responded by stating that I was going to file a report for harassment.
Company Response:
State: ND
Zip: 58103
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My complaint has to do with Comenty Direct, their policies and customer service. I couldn't access my account for three weeks because of a glitch in their secondary verification process. I kept calling and kept being told that someone would get back to me in 3 to 5 days. This in itself is outrageous -- three to five days when you can't access your account. In any case, I eventually got lucky and the customer service person on their main number was able to solve the problem ( after two other had failed ). That was issue # 1. Issue # 2 : I wanted to transfer XXXX from my savings account to another financial institution. When the website wouldn't allow it ( bizarrely limiting withdrawals to XXXX! ) I called and was told I'd need special permission and that it would take ( guess what ) XXXX to 5 days. To make matters worse, the person I talked to on XX/XX/XXXX put in the request but failed to enter the amount ( XXXX ) and therefore it wasn't acted upon. The person I spoke with today ( XX/XX/XXXX ) resubmitted with the correct info, which means I should be getting an answer in ( wait for it ) three to five days! In my opinion, this is intolerable behavior on the part of a financial institution. When you have funds in a savings account you expect the funds to be available without having to ask permission and then wait for someone to get around to acknowledging your request. My impression is that they don't take either their fiduciary duties or their customers seriously.
Company Response:
State: CA
Zip: 92651
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is XXXX 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 company is currently showing 30 - 60 days late for the month of XXXX to XXXX and XXXX 2018. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A