Date Received: 2021-10-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I recently paid my entire balance off with Comenity Bank XXXX after I started the hardship plan due to losing my job during the pandemic and the bank is STILL holding my funds after I asked a CSR Would my funds be available and will I be able to utilize my card? They said yes and that was a farce! I made the payment on XX/XX/2021 and called and spoke with a representative on XX/XX/2021 and thats when I was told that the funds would be released after the payment had posted. I checked my financial institution balance and it showed the deduction had taken place for Comenity Bank and the payment had posted on Comenity Banks end as well. A call was made on XX/XX/2021 about the reasoning behind my funds not being released and the CSR at Comenity told me that The payment was made after the closing date so Ill have to wait a month I then informed them that I spoke with a representative who relayed to me that once the balance was satisfied I would have access to my funds. The representative I spoke with on XX/XX/2021 stated that the information provided to me prior was incorrect. Im now being penalized for something I had no knowledge of and when I asked if this could or would happen I was told No it wouldnt. This is very unacceptable especially when youve come out of a financial downfall and youre trying to satisfy all your debts!
Company Response:
State: AR
Zip: 72076
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account has been disputed and an identity theft report has been submitted in proof that this account does not belong to me
Company Response:
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2021-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
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. Below are the lists of the erroneous accounts reporting on my Credit Report :
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
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. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureau 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: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates : XXXX ( XXXX XXXX XXXX ), XXXX, XXXX XXXX XXXX never gave XXXX, XXXX, XXXX " written consent '' to report anything on my consumer report they are saying they have but not supplied accurate validation of said certified mailing proving I have supplied such.., No Consent is IDENTITY THEFT. Concerning the account listed below as a Consumer, I Am demanding a deletion of this 3 accounts effective Immediately. I, XXXX XXXX the Executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. This investigation has prolonged for more than a month. According to the FDCPA this is a violation the account must be removed according to Federal Law, silence is acquiescence.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In XXXX i communicated with the company about the unauthorized inquiry. They said they would contact XXXX about removing it. On XX/XX/XXXX I received the confirmation letter from XXXX stating it was deleted, but yet its still reporting on my profile. Inquiry date : XX/XX/2019 - Comenitycapital/XXXX
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I paid my credit card balance off in full. Previous to this date I paid my card on time every month. On XXXX, I was hit for a finance charge of XXXX. Given that my card was paid off, I should not have acquired this charge. I was not notified of a balance due through mail or by phone and was not aware of a charge until earlier this month after purchasing a vehicle. I then paid XXXX and sent an email immediately to my company apologizing and asking them to waive the fee. I then went to purchase an item yesterday and found out I have been reported to the credit bureaus for being 90 days past due on my account. I immediately called my credit company to find out what I could do to resolve this. After looking further into this I found I was hit with 2 late fees and interest accrued to XXXX. I was told by the supervisor there was nothing I could do. I am stuck with a ding on my credit report after being charged a finance charge on a balance that I had previously paid off.
Company Response:
State: CO
Zip: 80538
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello my name is XXXX XXXX and I am XXXX years old. I am disputing everything on my credit report. I am not old enough to have credit and unfortunately somebody used my name and social security number. My mother XXXX XXXX has tried to reach out to the creditors on my credit report and she was unsuccessful. I would like all items removed off my credit. My mom even sent over documentation that I am a minor and not old enough to have credit cards XXXX/XXXX {$830.00} Closed 43 potentially negative months XXXX XXXX/XXXX XXXX Closed {$210.00} 5 potentially negative months XXXX
Company Response:
State: MI
Zip: 48045
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
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: I paid my balance and accidentally over paid by XXXX. This meant I had a negative balance on the following bill. When I received the bill for the next month, it showed my starting balance as XXXX, but also said I had {$5.00} past due and I have received multiple harassing emails attempting to collect a balance that isnt owed. I notified the card issuer, but because their reps dont understand how their mistake happened, they dont understand what to do with it. Attached is the bill that shows their error.
Company Response:
State: OH
Zip: 44095
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Comenity Bank opened an account in my name without authorization. They ran my credit, and then reported a new account being opened. They refuse to answer my questions online, and apparently are running up a balance in my name, in spite of my never applying for a card. I never gave them an address to send a bill, I never gave them a phone number, and I have no way of contacting them online other than through the account I was an additional card holder on, ie. my wife 's account.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A