Date Received: 2021-10-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and it's been over 30 days and I haven't received any investigation results.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Complaint filed, XXXX company agreed to fix problem. They failed to do so on the one bureau that counts XXXX. Once again another deceptive act on behalf of Comenity bank. There were no late payments in fact paid early.
Company Response:
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
Company Response:
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Greetings, I would like to file a complaint against Comenity Bank/Wayfair Cir . I dont recall having this account in the past. However, it continues to show up on my credit report. Therefore, I disputed the account through XXXX, XXXX, and XXXX on XX/XX/2021. In response, the account showed verified. As a result, I disputed this account with the creditor. On XX/XX/2021, I sent a dispute letter certified by mail requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. In response, I received an itemized printout. As a result, I sent a follow-up letter through certified mail on XX/XX/2021. In response again, I received the same itemized printout. As a result, I would like this item to be removed from my credit report. In addition, the company violated the fair debt collections Practice Act, Fair credit reporting act, and local state law by not providing evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I entered into a credit transaction with Comenity/XXXX XXXX and I was denied but I still received a inquiry so everyone got paid except me that's a violation and improper use of open ended credit plan
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
Company Response:
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: XX/XX/2021 Comenity Bank decreased my credit limit stating a derogatory real estate loan which is not true. Comenity Bank is using false information to credit wise with their algorithm to handicap individuals of XXXX. I called before to address an error when it stated my credit score was a XXXX. There was no support or assistance with this matter as well.
Company Response:
State: RI
Zip: 02904
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have been ordering from this company 's catalog for years with no problems. I decided to get their credit card in 2020 and used it to order. My bills are paid every month on schedule ... .sometimes thru bank transfers but I use the US Mail with this company. Their statement reflected a {$40.00} late fee one month. I felt this was unfair as I had mailed my payment on the usual date but they claimed it had arrived late. I decided to tell their company 's CEO how I felt about this and I sent the late payment with a letter and my cut-up credit card to the name and address given as their headquarters.. Another bill arrived with a {$90.00} late charge... calls on my phone came every day... sometimes more than once a day began. I explained to the caller that I had paid the original charge and where I had mailed it. This did not stop the calls. I received a letter from XXXX XXXX of their company stating that I still owed the late charge ... and my original letter and payment to their CEO was returned by the US Mail..unopened with address unknown and no forward ... .I gave up and sent XXXX a letter and check for {$97.00}. I just got another bill from them for {$130.00}!!
Company Response:
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do NOT have any account with this so-called bank, XXXX or Comenity Capital Bank XXXX Never heard of them. They STOLE my cell/telephone number from somewhere and have called me, calling me by a person 's name who I am Not. Their phone number is XXXX. I received the 1st call on XXXX XXXX, 2021 from a " Mr. XXXX '', ext. XXXX. The 2nd call came on XXXX XXXX, 2021 from " Specialist XXXX '' ext. XXXX. I want these scammers to stop calling me and to be stopped from hacking accounts and stealing cellphone numbers! I have never given my cell number out except to my personal bank, so they must have stolen it from there! And why are they calling me in regards to a person I am not!
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A