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 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 XXXX . Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: IL
Zip: 608XX
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XXXX XXXX this credit card was paid in full. The credit card company charged an interest fee on a {$0.00} balance which went unacknowledged and turned into 2 late fees. The company stated they would remove the late notice from the credit bureau but never did and again charged another interest fee on a {$0.00} balance. Due to this issue, I again asked them to remove the late notice from the credit bureau and to close my account.
Company Response:
State: AZ
Zip: 85298
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had a promo for XXXX % on purchase of {$860.00} from XX/XX/XXXX until XX/XX/XXXX. I believed I had paid off the balance but upon checking I was charged deferred interest. I had tried several times messaging the company and then called on XX/XX/XXXX to try and explain I was charged too much interest. My call was dismissed and was told there was nothing I could do about the interest charges. I recalculated my statements and believe I should be subject to interest on a balance of {$180.00} at the time of XX/XX/XXXX. However, I was charged interest based on a balance of {$410.00} and do not understand how this balance was attained. I was charged interest of {$180.00}. I had tried to explain I had lost my job due to Covid during the timeframe but they said there was nothing they could do about the interest charged. This amount of interest is a huge burden to overcome while I try and dig myself out of debt from losing so much income during Covid. I had been staying home with my kids because they could not attend school during much of this time as well.
Company Response:
State: NE
Zip: 68134
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: please remove these accounts : 1. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11554
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Two problems same banking credit company Bank in charge of two of my credit cards XXXX XXXX XXXX XXXX and XXXX. First XXXX I purchased a custom XXXX and put it on monthly payments which were interest free. I paid off the ring in XXXX of 2021 in full. I had received statements every month till XXXX which listed my balance as XXXX. Then in XXXX I get a bill that stated I owed XXXX some dollars I immediately called customer service and asked why I owe this amount and why hadnt I gotten a statement before this if I did owe money which I didnt because I paid off the account. They stated I owed XXXX as a close out of the account that was paid in full of over XXXX $ then they charged finance fees for late payment. After a long discussion and speaking with supervisor it was of course erased. Now they reported I was late a payment which I was not and my credit score took a XXXX of XXXX points Does it end there! XXXX again Comenity Bank get a Bill for over XXXX dollars all finance charges for a bill that was paid in full but interest was not until next statement since I call in to pay Bills each month and knowing I had paid in full my statement from XXXX I had no idea that there was an interest amount to be paid. They in turn charged late fees totally XXXX XXXX Yes I again had a discussion with a supervisor and again it was taken care of with me owing nothing. Why the complaint Comenity bank is getting over and I believe charging fraudulent charges. This is the Fourth incident I have had with them over the last 10 years. The first two happening well over 10 years. To have 2 so close together and so similar in accounts. Either they know they are deceptive or something is wrong with their automated services, which I doubt because I NEVER have any problems with any other bank I deal with my credit cards with. I can only imagine the number of people who dont know about their deceptive practices and how their credit scores can be affected. I believe Comenity bank practices should seriously be investigated! You didnt allow space for two credit cards so here is. XXXX # XXXX This surely shows a pattern and if you note my credit history I am always on time with all my payments 100 % of the time and most times pay off the entire balance monthly
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Ii closed my account because I was charged a late fee a few days after making the payment, online. When paying online I could not pay until " the next business day '' which was one day after due date. I am now being charged a late fee on, only a late fee. That is all that is on my account. I have always paid it in full when I have a balance. All I wanted originally is for that late fee to be waived. Yall couldn't do it so I closed my account. Now I will be charged a {$30.00} late fee every month until I pay. Unreal! I will be cancelling all of my account through Comenity Bank going forward.
Company Response:
State: TX
Zip: 79407
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: All credit bureaus reported on XX/XX/21 that comenity/express pulled my credit today. This is a hard pull. I did not recently apply for a new card or more credit from any company including Comenity bank/express . I asked company in writing and via phone call to please research and remove this from my credit reports. I spoke with customer service department at this company, also the fraud department at this company and the applications department and none were able to help me. The applications department said they had no recent applications for credit on file under my name. I was told to contact each credit bureau to report fraud and that there was nothing Comenity bank/express could do to resolve this issue for me. I do have an active express account which I have had for 10 years and there are no known issues with that open account. I just want this recent hard pulldated ( XXXX ) to be removed from my credit reports. I would really like to know root cause of this issue so responsible party is held accountable.
Company Response:
State: MA
Zip: 01915
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Originated a credit card with Zales/Comenity under a promotional program. The sales person advised me that as long as the balance on the purchase + a fee of XXXX was paid off byXX/XX/2022 there will be no additional charges. After having paid off {$2100.00} of the original balance of {$2300.00} within a few months, I am being told that an additional charge of about {$30.00} will be levied since I didn't make periodic monthly payments. This is entirely inconsistent with the terms described to me at purchase. The first person that I spoke to was extremely rude and challenged me on my understanding of the terms, as provided at time of purchase.
Company Response:
State: FL
Zip: 34119
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Hello this is XXXX XXXX with current address at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX My account number is XXXX I'm your customer for over 2 years now. So far everything goes well with my XXXX project account. Im writing because I noticed that my most recent credit report contains a late payment reported that is really hurting my credit now. I want you to know that I understand my financial obligations. Id have an excellent repayment records. I made a mistake in falling behind, because I was out of country for 2 months and due to Covid-19 Travel restrictions I was not able to come back on time and do my payment in timely manner. My payment history for the last 9 years was 100 % up until this belated accident. We all know how difficult was in the last two years with COVID-19 and I still tried to do my best. Thank you for your consideration, and I hope you'll will help me to resolve this issue. Best regards.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2021 I sent a letter to COMENITY BANK/VICTORIA. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Company Response:
State: IA
Zip: 50701
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A