Date Received: 2021-10-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Victoria secret is erroneously reporting incorrect late information to my account as I have paid them off and have a XXXX balance.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was informed by a letter in the mail in XX/XX/XXXX that a XXXX Credit Card was issued in my name. I called into petland and let them know that there was a mistake as Ive never opened a credit card with any store and never would. I gave them my information such as my address, phone number etc and none of my information matched what they had on file for me. The woman I spoke to was part of the fraud department and she assured me that she would close the account and mark it as fraudulent. Ever since I spoke with this woman back in XXXX XXXX now has my up to date information that I provided them with and they are trying to make me pay for an account that does not belong to me. They tell me that the information they have matches up to me but that is not true because the only reason they have my information is because I willingly gave it to them so they could contact me after closing the account and marking it as fraud.
Company Response:
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I pay my XXXX XXXX on my XXXX XXXX XXXX bill pay. I paid it on XX/XX/XXXX. They didnt record it until XX/XX/XXXX. They are saying it takes the mail that long to get to them. They are charging me finance charges and late fees. This happened in XXXX and XXXX too. If you look at my history I am a good consumer. I pay my bill by the XXXX. Its not my fault that they say they arent getting it in time. I think they dont pick up their mail on a timely basis or some other nefarious reason. I called them on XX/XX/XXXX. The agent told me I owed {$190.00} which I paid over the phone. Now, I see my statement recorded they received {$96.00} on XX/XX/XXXX so the agent didnt see it was paid FIVE days after!! Which is why they have to refund me. So I have to pay over {$70.00} in late fees and finance fees. I have an excellent credit rating. You can see some months where I paid when I didnt have to because they dont show it as paid then they have to send it back to me.
Company Response:
State: OR
Zip: 97045
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: They threatened to take my social security benefits from me after being off do to being XXXX with XXXX XXXX. Im on XXXX XXXX now. They call me everyday threatening me, Im a single mom of XXXX children
Company Response:
State: PA
Zip: 17356
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I currently had sold my home and was going to purchase a new build home and wanted to put the money in a " safe place '' while the construction on the new home was being completed so I opened a CD account with Comenity online bank for {$140000.00} that was funded from my regular bank account on XX/XX/XXXX. My plans changed and I found a new build house that was available now and made an offer on that property and needed to close the CD in order to put a down payment on this house. I called their customer service as soon as I knew of this change on XX/XX/XXXX to request information on how to take a penalty and close my CD with them. I was given the information on the penalty, and was told it would take 3-5 business days for them to send the money back to my original account. I requested that the account be closed on XX/XX/XXXX. The closing on my new property was scheduled for today XX/XX/XXXX. They still have not completed this transaction. They have an online messaging system that I have sent 10 messages inquiring about the status of this account and the only response I have received is that it is " under review ''. I have called their customer service line daily starting on XX/XX/XXXX since I was getting no response on their online messaging system. I have spoken to several members on their customer service team and their " escalation '' team. I have asked to speak with a manager, director, supervisor and have been told that they do not take direct calls. Multiple customer service agents have assured me that the account has been escalated, however when I called yesterday on XX/XX/XXXX the customer service person I spoke to said she could not see notes that my account has been escalated. I contacted the bank again today XX/XX/XXXX and the customer service rep told me that my only next step might be to write a letter to their corporate office and was unable to give me any further information regarding my account. As a result of this, I have had to scramble to try to find other ways to fund the closing of my home. It is a very disconcerting thing to put your money in a place for safekeeping just to feel like you need to actually be protected from the financial institution itself. I would want other consumers to know that this bank does not make good on the information they give you, and will not transfer your money to you even in the case of an emergent situation.
Company Response:
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
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 am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The account COMENITYBANK/ XXXX is reporting late ( XXXX and XX/XX/2020 ) as reported in my 3 Credit Bureaus XXXX Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: COMENITYCAP/XXXX Contact XXXX XXXX XXXX XXXX, OH XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I, XXXX, The natural person and Consumer Citizen is responding to the allegation, mores " lies '' brought about from the following companies : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, /COMENITY CAPITAL BANK . You and the paid third party debt collectors without contracts to collect ( pursuant to 31 U.S. Code sec,3718 ) are in fact caught in a lie and have given all proof needed as to what published within your response. You have failed to mention WHO, the investigative information was obtained from.. in addition, HOW my personal information was obtained, fi not authorized by me pursuant to 15 U.S.Code 1681 ( B ), you've had no Permissible Purpose '' or written consent from me the consumer. This is in fact identity theft, punishable in Federal Court. I have in mailed in second notice of ceasing all REPORTING and providing me with the proof of WHO and HOW investigations were done. These companies have not supplied any evidence to how my information was obtained, only that it was " verified and accurate '' pursuant to 15 U.S. Code 1681 ( A ) ( E ) speaking to personal friends, family, etc is not FACTUAL, none the less third party bureaus buying personal information, all NOT AUTHORIZED BY ME. these companies continue to report inaccurate information in violation of the FDCPA. In all of the companies responses they have failed to mention how, where, or from whom the information was obtained. MY character continues be defamed, willful injury, emotional distress along with my credit and defaming of privacy. Under the 4th Amendment and Federal laws I am protected, my 4th Amendment Rights have in fact been infringed on as my " rights to be secure in my papers " has not been constituted in this matter.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have this account on my credit when I never applied for the card, theres no phone for me to call and see when this account was opened or anything. So therefore someone opened a account in my name and i never knew about it until it came up on my credit. I had no knowledge of this at all or when it was opened.
Company Response:
State: NC
Zip: 27320
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This account has been sold to a third party collector : THE BUREAUS ( Original Creditor : 01 COMENITY CAPITAL BANK ) You are in violation of the FDCPA. This account is being disputed. It shows marked as 'consumer disputes ', yet you still report it to my credit report. Collection efforts by your company should cease including reporting this account to my credit report. I will now work with The Bureaus.
Company Response:
State: NY
Zip: 11692
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A