Date Received: 2021-10-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a savings account with Comenity XXXX bank on XX/XX/XXXX. I funded the account with $ XXXX/XXXX from another savings account that I have with another bank ( XXXX XXXX ). Comenity Direct put my account in 'Restricted ' immediately. They sent me a secure message in their online banking website asking for copies of my driving license, social security card and XXXX form. They provided me the option of sending the documents either my postal mail or through their secure message on their online banking website. I submitted the information they requested on the same day i.e. XX/XX/2021. I contacted them various times using their online secure message and also on phone about when they would remove the restriction on my account and when I would be able to withdraw my money from my account. Every time I was told that the information is still being reviewed. I called them today ( XX/XX/2021 ) on the phone and they told me that they received the documents and there is nothing further needed from me. Yet they did not remove the restriction on my account. Despite numerous follow-ups with the bank, they keep on saying that the documents are 'being reviewed by upper management '. So I asked them to close my account and refund me the money. They refuse to do so. It has been one month without the bank letting me withdraw funds from my own account. They are holding my money hostage on a flimsy pretext of 'upper management is reviewing '. This, in my opinion, amounts to fraud / theft as the bank is refusing to let me withdraw money from my own savings account without any legal reason.
Company Response:
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Dear Sir or Madam, 1. CB/XXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with CB/XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: OH
Zip: 43224
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
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: 33028
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: statement due date XX/XX/21 paid XXXX XXXX more than purchases and the difference doesnt get applied to my promotional balance.this happened also on XX/XX/21, XX/XX/21, XX/XX/21 and XXXX.i called the company and they said i have to call them after the payment and request the extra money to be applied to the promotional balance. I don't see where the extra money goes, it seems to go nowhere the promotional balance doesn't go down the XXXX extra dollars every month. It seems the company is misleading consumers and using deceitful billing practices.everytime i call customer service they can't give me a reason or answer.
Company Response:
State: PA
Zip: 19460
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This account is paid amd closed and reflect negatively on my credit report and experience will not remove or allow to dispute again.
Company Response:
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: There are 8 commenity bank store accounts on my credit report. None of them are mine. I found out about this after a summons was sent to my house for two of the accounts that were purchases by XXXX XXXX. I responded to the summons saying these aren't mine and I've never been in a XXXX or Victorias Secret in my life which to this day is true. At the time a lien/judgement would have been devastating to the prospects of buying my first home but i didnt have the money to settle until a year later. The damage has been done and now I'm paying for it still. Despite these not being my accounts. I'm here asking the CFPB to help with this matter. Commenity is reporting 8 accounts on my credit reports. 2 were used by someone and the other 8 were never used but still remain on the report. I did not open, sign up for or use these accounts. XXXX Victorias Secret XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During the lawsuit in 2018 I provided a response saying exactly this and what happened is they provided me with statements. But statements do not prove I didnt sign up for these accounts. I was told the burden of proof is on me. I was only made aware of these in 2018 when I was sued. The 6 other accounts show a perfect standing on my report but i want my report to be accurate. These are not my accounts.
Company Response:
State: IN
Zip: 46307
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Bureau is reporting inaccurate information on CCB/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
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 particular account COMENITY BANK/ANNTYL 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 XXXX 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: 33177
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: 2021-10-12
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. COMENITYBANK/VICTORI was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Company Response:
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
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. Regardless of the multiple written requests, the unverified account COMENITYCAPITAL/EL D is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed 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: 33177
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A