Date Received: 2023-10-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had an XXXX XXXX Credit Card. I was advised timely that the card will no longer be active due to the bank no longer supporting the credit card. On XX/XX/23, I paid my card balance of {$2200.00}. At that time, I was notified that my card was closed ( however, I was advised it was closed in XXXX ). I shredded my card and cancelled the ebill ( I received billing statements online through my bank ). I received an email on XX/XX/23 advising me that I had a past due balance, however, I did not receive a bill or any type of notification prior to that date so I couldn't have known there was still a balance ( at that time it was around {$11.00} ). The bill was for {$24.00}. However, I was advised that my balance to pay the card in full was now {$26.00}. So I was charged {$13.00} for finance charges as well as a late fee. After speaking with a Supervisor at XXXX, I was advised that she couldn't waive anything since the card had been closed stating she could not override the system. Funny, the " system '' was still able to charge me a finance fee and late charge. I always paid my bill on time and paid the entire balance off with no mention that there could still be finance charges. I have paid the balance of {$26.00} so my credit will not be affected. I know {$26.00} is not a lot but it is the principal of the matter. How can you charge a finance fee on a zero balance and not send a billing notice until it's showing as past due, and then charge a late fee on top of that?
Company Response:
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: COMENITY BANK/AVENUE Is reporting on my credit report that I owe {$1000.00} in which I have never opened a credit card with this company
Company Response:
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Accordance with the Fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 states I have a right to privacy.15 U.S.C 1681 section 604 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor may not treat a payment on a credit account under an open end as late for any purpose.
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX I HAVE NOTIFIED THEM ON NUMEROUS OCCASIONS THAT THESE ARE NOT MY ACCOUNTS I EVEN SENT MY FTC AND A NOTARIZED AFFIDAVIT TO VERIFY THAT MY PROOF OF IDENTITY AND THAT THESE ARE ERRONEOUS CHARGES THEY ARE TRYING TO CONTINUE DEFAMING MY CHARACTER FOR I HAVE BEEN VIOLATED AND THE LAWS AS WELL THEY STATE IN REMARKS ON REPORTING AGENCIES THAT IT MEETS THE FCRA GUIDE LINES BUT WILL NOT PROVIDE VALID INFORMATION AS TO HOW THEY ARE VALIDATING THEIR INFORMATION THEY CANT POSSIBLY HONESTLY INVESTIGATING COMPLETELY BECAUSE THEY WOULD SEE THAT THIS ERRONEOUS INFORMATION WAS NOT ME AND IT NEEDS TO BE REMOVED/DELETED IMMEDIATELY INSTEAD OF JUST CONTINUING TO TAKE THE EASY WAY OUT AND VALIDATE THE DEBT AND MAKE MY LIFE HARD WHILE I'M TRYING TO CLOSE ON A HOME FOR MY FAMILY INVESTIGATE, SEE THAT ITS NOT MY DEBT, AND DELETE IT. PLEASE I DON'T UNDERSTAND YOU ALL PAY PENNIES ON A DOLLAR FOR A DEBT THAT I DON'T HAVE ANY INFORMATION ON THE ORIGINAL CREDITOR EVEN SENT ME A RESPONSE THAT THEY DIDN'T VALIDATE THE DEBT WAS MINE AND THEY HAVE NO INFORMATION ON THE ACCOUNT SO WHY CONTINUE TO DRAG THIS OUT AND MAKE ME TO CONTINUE TO TELL MY KIDS DISAPPOINTING NEWS THAT WE CANT MOVE INTO OUR FOREVER HOME BECAUSE OF XXXX COLLECTORS I'M ON FIXED INCOME AND TOTALLY XXXX WITH XXXX CHILDREN JUST TRYING TO MAKE IT BUT I DON'T KNOW WHAT YOU ALL WANT FROM ME YOU ALL MAKE MY HEALTH WORSE WITH ALL THIS STRESS. WE FINALLY GET TO A PLACE WHERE WE CAN GET SOME HELP TO CLOSE ON OUR HOME AND THEN BOOM XXXX COLLECTION IS STOPPING US. THIS IS CRAZY ESPECIALLY WHEN ITS ERRONEOUS INFORMATION.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I seldom use my Comenity Bank, XXXX XXXX credit card. I made a purchase with this credit card on XX/XX/2023. I did not receive a statement for this purchase and since I rarely use this credit card its not setup for auto pay and I didn't think about it. When I realized I never got a bill I called Comenity Bank and told them I haven't received a statement, they apologized and waved the late fee and I paid the bill in full over the phone on the same call I made to them. Later come to find out the late payment was reported to the credit bureaus. I filed a credit bureau dispute and asked Comenity Bank update and remove the late payment credit reporting. They sent a letter saying they were unable to make any adjustments to my payment history. I called and requested documentation on how the came to the conclusion they were unable to make any adjustments to my payment history but I never received any additional information. I then disputed the credit reporting with the individual bureaus but Comenity Bank still would not adjust my payment history or give me any additional information.
Company Response:
State: OH
Zip: 45322
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, I found out that there are 2 debt collections and credit card accounts under my credit report which are not mine. So I contacted all XXXX credit bureaus ( XXXX, XXXX and XXXX ) and also all the credit card company and debt collections. The thief used my identity opened accounts : XXXX. XXXX XXXX XXXX : {$610.00}, date opened on XX/XX/XXXX. XXXX. XXXX XXXX XXXX : {$500.00}, date opened on XX/XX/XXXX. XXXX. XXXX 's : {$1300.00}, date opened on XX/XX/XXXX. XXXX. XXXXXXXX XXXX XXXXXXXX : {$610.00}, date opened on XX/XX/XXXX. XXXX. XXXXXXXX XXXX XXXX {$1300.00}, date opened on XX/XX/XXXX. XXXX. XXXXXXXX XXXX : XXXX, date opened on XX/XX/XXXX
Company Response:
State: NY
Zip: 11358
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: XXXX bank / XXXX has an account on my credit report that I have no knowledge of account # XXXX that was opened XX/XX/XXXX with an update status of XX/XX/XXXX, there are missed payments thats dated XX/XX/XXXX and XX/XX/XXXX that no information was provided to me.
Company Response:
State: MO
Zip: 65203
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid the credit card in full. Then with out knowing they charged me {$2.00} which I had no idea! Which now has turned into {$63.00}! So I need help. Comenity Bank which is for XXXX XXXX XXXX. Thank you XXXX XXXX. XXXX cell.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XXXXXXXX XXXX owes me {$98.00} in a refund from when my account with them was paid off XXXX XXXX XXXX {$98.00} was due to me and sent to me but the check was returned. Twice. I have called. XXXX has called since late XXXX. It is now mid XXXX. I submitted a written dispute and in XXXX days they concluded the check was cashed. Every time I try i get a new person who begins with no knowledge of my problem and they only look at a screen which tells yh the incorrect information that the check was cashed. I have addressed additional letters with proof that the check was returned twice to Head of Dispute Dept. They do not have a phone line that i am able to use. Hrlp m e get my {$98.00}. I am XXXX on low. Income and have no money. They have billions
Company Response:
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
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: Charges were made on my card that I didnt know about as I vowed to never use the card again after they lowered my credit limit. Someone charged to my account without my knowledge. The bureaus said I would have to have a police report which I was unable to get due to the police needing to know if it was online or in store and XXXX XXXX had no way of showing this. The police needed to know this in order for them to know which branch would need to file the report.
Company Response:
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A