Date Received: 2021-11-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: My niece XXXX XXXX needed me XXXX XXXX to cosign with XXXX XXXX Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX. When I closed the account XX/XX/2021, the Rep at XXXX stated my niece will not have any problems continuing to make the payments. As you know the COVD came and many things were going on in banks, losing workers etc. My niece had trouble making several of the payments this year. For the last 6 or 7 months, each time my niece or I spoke to a Rep, we would both either get hung up on, transferred and the phone got disconnected. They refused to let us speak to any supervisor when it was requested. Me and my niece called individual times. As a result of poor Customer Service, giving misinformation or no information at all. My credit report changed from XXXX to XXXX. I received letters from my credit card card companies canceling my credit card. I can not refinance my house or even rent a XXXX. Because my niece was having problems with her bank and XXXX so the payments were late. THey never told me nor my niece about the COVD hardship that could have resolved all our problems and my credit report would not be damaged. I tried to call today and from XXXX to XXXX. I called 7 times. Spoke to 7 people who I either hung up on me, transferred me than the call dropped. This is not fair. My niece is not knowledgeable in finances so I never knew what she was going thru until I received my credit report showing a drop from XXXX to XXXX. And it dropped even lower. Every Rep refuses me to speak to a Supervisor. They refuse to give me a direct number to the hardship dept and everytime they transfer me. The call drops. This is not fair. I had perfect credit. Now my life as a XXXX XXXX is destroyed.
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I continue to receive notices from Victoria Secret stating I owe on a credit card purchase. I have never taken out a credit card with this company. I am a XXXX year old lady that bought my grandaughter a nightgown online where I purchased it before it shipped. I wrote to Victoria Secret and they state I owe it. I never gave them my social secuirty card so how do they have a credit card in my name??? I am getting late fees and this is destroying my good credit. Each statement has a different amount owed and charged. I dont charge at this store!!!
Company Response:
State: CA
Zip: 92595
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that CB/WAYFAIR is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ).
Company Response:
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Repeatedly contacted by Comenity Bank for a debt that I know nothing about nor does it belong to me.
Company Response:
State: NC
Zip: 288XX
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I did not give any consumer reporting agency permissible purpose or written instruction to furnish any reports on my behalf. The fact that CB/VICSCRT is reporting to my consumer report is a violation of 15 USC 1681 ( a ) ( 2 ).
Company Response:
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I had a Lane Bryant card issued by Comenity bank for quite a good amount of time, well due to inactivity they closed the account without notifying me before doing so. I was not aware that an account is closed for inactivity. Well anyway, I applied to have it re-opened resulting in a new inquiry, etc. I was given a card with a lessor balance, and made a minimal purchase to make sure the card had activity, so that the closure did not happen again as I was planning to purchase a new wardrobe for work. I made this purchase on XX/XX/2021 for {$10.00}. I was signed up for the web portal and paperless billing so I fully expected to see an email or statement come that payment was due, but I never received anything via email or via us postal mail, and I completely forgot about the small purchase I had made due to the craziness that was going on with being XXXX XXXX XXXX, and trying to keep income coming in and taking care of my child at the same time. It was 100 % an accident that this payment went late. I pulled my credit for receiving a pre-qualification for buying a home and saw a past due dink on my report from Lane Bryant... I immediately called and rectified the situation, paying the balance in full, and then they removed the late fee 's as they could see that the statements were not received or sent, I can not recall exactly what the representative on the phone said and mailed me a refund check. They explained that the representative could not remove the mark, but that I would need to send a letter and explaining what happened, and that I received a credit and asking to have the mark removed as a one time forgiveness as I had never had an issue making payment with my prior account, and due to the issues at the time. I did that and was denied, but wasn't given a reason other than the notation was accurate. I tried to dispute through the normal means with each of the 3 agencies and received the same result. I feel they are being petty over {$10.00} cents and that they need to also acknowledge that they did not get the bills to me.
Company Response:
State: CO
Zip: 80906
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2021, I received a credit monitoring alert that a hard inquiry hit my credit report from Comenity Capital /IDD . I immediately called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name. After speaking with a customer service representative, they informed me they would investigate it and have it removed. However, it is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation. I have made an attempt to dispute this fraudulent inquiry with XXXX on XX/XX/2021 and they responded with the dispute results as of XX/XX/2021 that " : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE XXXX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' However, this inquiry is NOT factual and I'd like it removed.
Company Response:
State: MI
Zip: 48203
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
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 have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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.
Company Response:
State: FL
Zip: 32609
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
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. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by 3 bureaus. Despite sending them the letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, 3 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 are the accounts that are still reporting on my account :
Company Response:
State: FL
Zip: 32609
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: COMENITYCAPITAL/FLDCPR made a Retail Inquiry by checking my XXXX Credit File on XX/XX/ without my consent. There is no account attached to this company. XXXX XXXX XXXX made a Bank / Credit Card Inquiry by checking my XXXX Credit File on XX/XX/ without my consent. There is no account attached to this company. These activities are illegal by law. There is NO permissible purpose.
Company Response:
State: CA
Zip: 92173
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A