Date Received: 2021-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is for the company CCB XXXX ( CCB stands for Comenity Capital Bank ), they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harassments, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. Moreover, I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested for verification of this account and send out disputes to the credit bureaus as well. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance, or obtain new lines of credit.
Company Response:
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I paid my bill in XXXX payment of {$600.00} on XX/XX/2021, and {$150.00} on XX/XX/2021 and XX/XX/2021 {$300.00} and XXXX XXXX payment of {$220.00} and a final payment of {$46.00} on XXXX XXXX and in XXXX they charged me a finance charge on a XXXX balance and then told me that it was a legitimate charge and that I had to pay it, I didn't pay it so they charged me another fee of {$4.00}. So I paid it on the XXXX due date to close the account, well they proceeded to charge me another late fee of {$2.00} and when I told I paid the account on time, they told me that I would have to pay this charge because I have to pay XXXX bills on time consecutively. I have read their fine print of charges on the back of my statement and there is nothing that states that I have to pay XXXX payments consecutively or that they will charge me more interest fees. I have spoke with them and they said they would remove the charge and I have checked the account and they have not removed the charge. This card has been closed since XXXX.
Company Response:
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: commenity bank XXXX XXXX has incorrectly reported on my all 3 bureaus that i was late XX/XX/XXXX, and XX/XX/XXXX both 30 days. I have tried to work with this company on getting this resolved and have tried disputing these multiple times with the bureaus.
Company Response:
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CB/AVENUE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
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: what has been happening is comenity bank has not removed the report from my credit to show it has been paid. i have paperwork show i have paid this off. i was told by XXXX that if i paid it off this would be closed and taken off all 3 reports! come to find put XXXX works for XXXX XXXX so i paid XXXX XXXX while i was paying it off the debit to XXXX. must had been sold out while i was paying it off... i didnt know this! i am being told from com bank that they didnt get my payments so this can't be removed? i want this removed as i have paid it off. i was lied too... how would i know??
Company Response:
State: NY
Zip: 134XX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Commenity Bank Called my parents and informed them that they were looking for me for a debt for a vicotria secret credit card. I had already contacted them and they were telling this information to a relative.
Company Response:
State: TX
Zip: 78504
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I recently sold my home. Because the proceeds were going to be significant ( over {$250000.00} ), I researched options for high-yield savings accounts. XXXX XXXX claimed to provide " highly competitive rates and access to your funds any time you need them. '' Because I am remodeling my new home, I needed to be able to access large amounts to pay contractors. I opened a high-yield savings account with them on XX/XX/21, transferred {$100.00} from my checking, and set up my online account. I also went through their process to link the new account with my primary checking account at XXXX XXXX. On XX/XX/21, the sale of my home closed. The title company wired the proceeds to my new XXXX XXXX account on XX/XX/21. It was my understanding that I would be able to transfer the urgently-needed funds back to my primary checking account to pay contractor bills. However, XXXX delayed posting the wire to my account until XX/XX/21. Once it showed up in my account, I logged in with their app and tried to transfer {$50000.00} only to find out that I was limited to accessing only {$2000.00} per day. I initiated a transfer in that amount and then called their customer service line to find out what I could do to access more of my money faster. The person I spoke with ( XXXX ) told me the only way to access the money faster was to close the account and have the money moved to my primary checking. I confirmed that I wanted to close the account. When I didn't see anything happening in the app, I called their customer service line again. This time, the guy I spoke with told me that because my accounts were already linked, the funds would be moved the same day and available within 1-2 business days. When I still didn't see anything happening in the app, I called the customer service line again. At that point, the person I spoke with ( I don't recall the name ) told me the closure my take several days, and that the only way to get the funds faster was to submit a wire transfer request, which I did on XX/XX/21 around XXXX Central Time, ahead of their XXXX cutoff. I immediately called their customer service line again and asked them to verify that they had received my wire request and had everything they needed to complete the transaction that day. He told me they did. That night, I received a call from Comenity 's fraud department. The woman said it was very unusual for someone to close an account so quickly after opening it and that it had triggered questions about why. I answered all of her questions and explained that I didn't realized when I opened the account that there would be such restrictions on accessing my funds. She noted my answers and thanked me for my time. On XX/XX/21, when I didn't see any activity in either my Comenity account or primary checking account, I called their customer service line again. They said the account was on hold due to a fraud investigation. I asked when that would be resolved and when I would have my money. He had no answer. A little later on the morning of XX/XX/21, I received another call from the same woman in the fraud department asking me why there were logins to my account with a URL in Utah. I explained that I had no idea. I am not a tech person. I am just me. I am the only person accessing the account. I do not live in Utah. I once again explained why I opened the account and why I asked to close it. I asked when this would be resolved and when I would have my money. She said she didn't know, but that deposits in new accounts were subject to a 10-day hold, which would mean the wire wouldn't happen until XX/XX/21 at the earliest. I told her that was unacceptable and that there was nothing in the new account setup process or communication that mentioned a 10-day hold on new accounts. If I had known that was a condition, I would never have opened the account, and would have had the title company wire the funds to my primary checking account. At this point, I am in the process of remodeling my new home and need the funds to pay contractors. Those bills are coming due. Without access to the funds being held hostage by XXXX XXXX, I will be unable to meet my obligations to the contractors who will likely place construction liens on my new home. As of XXXX ( PDT ) on XX/XX/21, I still have no idea when I will have access to my money. They seem to find reason after reason to keep me from my money. This seems like a scam to me. Please help!
Company Response:
State: OR
Zip: 97140
Submitted Via: Web
Date Sent: 2021-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I closed my account with comenity bank but they keep harassing me and calling me at least 5-10 times a day.
Company Response:
State: MI
Zip: 496XX
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
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: Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Company Response:
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
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 to 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 wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
Company Response:
State: GA
Zip: 31210
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A