Date Received: 2021-10-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX, we purchased jewelry from XXXX XXXX. and they strongly recommended that we open a XXXX credit card account to take the advantage of paying off the jewelry over a period of time without interest. We followed their recommendation and opened an account. The card was actually with Comenity Bank. There were two different purchases. To avoid interest the balance of one had to be paid off by XX/XX/XXXX ( {$1800.00} ) and the other had to be paid off by XX/XX/XXXX ( {$5200.00} ). In XX/XX/XXXX, we noticed they charged the late fee and we called them, they refunded the late fee. And with their representative, we requested Comenity to set up automatic payments on the account in an amount that would pay off the balance by the XX/XX/XXXX deadline. Prior to that we had been paying {$450.00} a month on the account. Comenity started the automatic payments at {$310.00}, then changed them to {$300.00}. When we checked our XX/XX/XXXX bank statement, we saw that Comenity had continued to take {$300.00} out of our account, then we checked the Comenity statement and found that they still showed a principal balance on the account and had added over {$1500.00} in finance charges. We called to complain. Comenity stated that the automatic payments were not enough to pay off the principal by XXXX, because it was minimum payment which is bad excuse because we set up with their representative for a minimum payment necessary to pay off the account in XX/XX/XXXX. We can not accept this excuse. We requested that they reverse the finance charge and allow us to pay off the remaining principal since the automatic payments were supposed to have paid it off without interest in XXXX as we discussed with their representative. They refused. After this, we saw the reviews about this bank, many people were trapped by them in this way or another. Our bottom line is that we talked to their representative and requested the autopay be set up to pay off the balance before XX/XX/XXXX ; the payment amount was calculated by them ; and they also automatically changed the payment amount from {$310.00} to {$300.00} in XX/XX/XXXX. We have made a payment to them for the remaining principal and need your help to get them to rescind the finance charge and change their behavior so more innocent people are not trapped and cheated.
Company Response:
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-03
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: There is a Victoria Secret Card on my Credit Report. I never had a Victoria Secret Credit Card. Im a single male. What would I want with a Victoria Sevret Card! They sell Womens items only! Womens Underwear, womens lingerie, womens undergarments, womens clothes, womens swimsuits, etc.. I can assure you I can not wear or use anything that Victoria Secret sells.
Company Response:
State: PA
Zip: 163XX
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-03
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: - The company refuses to address a XXXX XXXX XXXX complaint and XXXX XXXX XXXX has reversed any charges from my account as well. The bank is Comenity Bank and the card is XXXX XXXX. I asked XXXX to close my account and they refuse to do so. XXXX took action by crediting my account and is consumer-friendly but Comenity Bank refused to do so. Business Name : Comenity Bank Address : XXXX, OH XXXX Phone : ( XXXX ) XXXX
Company Response:
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. CB/VICSCRT bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Last year I told Comenity Bank that I wanted to pay off my entire balance on a credit card they serviced. In XXXX I got a phone call that I still had a balance with them, but I had not used my card. I paid this balance again thinking it was a mistake on my part. In XXXX I got another call from them saying I had {$100.00} balance, but once again I had not used the card. They are telling me that I had a late charge that gained interest. I have told them multiple times to pay off the card but they still keep finding ways to charge me when Im not using my card.
Company Response:
State: TX
Zip: 75604
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account had fraudulent purchases. A balance of XXXX was created after having a zero balance for more than six months of inactivity. I communicated and created many dispute with the company.
Company Response:
State: NY
Zip: 11421
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: To be foward to XXXX : This is reporting negatively on my account and needs to be addressed ASAP as these are not my account nor am I liable. I have a police report I have attached for proof. The following should be removed/ deleted from my credit file. ( 1 ) Comenity Bank XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : ( Closed - {$1700.00} Written Off ( USD ) ( 2 ) XXXX XXXX ( Date Opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( XXXX ) XXXX XXXX XXXX / XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$0.00} ( USD ) ( 4 ) XXXX XXXX ( Date opened : XX/XX/XXXX ) Balance : {$1900.00} ( USD )
Company Response:
State: CA
Zip: 92557
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Comenity Bank charged interest on my fully paid account notwithstanding their credit card statement specifical states, " We will not charge you interest on purchases if you pay your entire balance by the due date each month. '' Noted on the attached 5 pages ( pages 1 - 3 are from the XXXX XXXX statement and pages 4 - 5 are from the XXXX XXXX statement ) are numbers 1 through 5, designating the following : 1. The new balance in the XXXX statement was {$2000.00}. 2. The due date on this balance was XX/XX/XXXX. 3. The reverse side of the statement reads, " We will not charge you interest on purchases if you pay your entire balance by the due date each month. '' 4. The balance owing of {$2000.00} was paid on XX/XX/XXXX which is inside the XXXX/XXXX/XXXX due date. 5. Yet, Comenity charged {$21.00} interest. On a phone call to Comenity at the number on the statement, I spoke with XXXX. She advised that once there is a late payment, " you are in the interest loop '' and you can never catch up unless you don't use your card for two months. '' I asked XXXX if paid my XXXX statement balance of {$130.00} today ( XX/XX/XXXX ) even though it is not due until XX/XX/XXXX if I could get out of the " interest loop '' and she repeated that I'm " stuck '' and can only get out with two months non-use and that Comenity also would charge me interest on my purchases after the XXXX statement was sent even if I paid my " entire balance by the due date. '' Of note, the " late '' payment Comenity claims was late, was not -- - the due date in XXXX was XXXX and the payment was mailed to Comenity on XXXX, yet Comenity delayed posting until XXXX so they could charge me a {$35.00} late fee and put me into their " interest loop. ''
Company Response:
State: CA
Zip: 90807
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
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 SECRET. 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: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/1921 I paid my XXXX account in full. To a XXXX balance. I just realized that XXXX has now charged me two {$1.00} interest charges on a XXXX balance and these charges have now caused me 2 late payments of XXXX so my balance is now XXXX on an account I paid in full. And its reporting late to ky credit I called XXXX told me because my payment didnt post till the XXXX there were interest charges. Offered to waive one but woupd not waive them both and correct my credit. I have closed my account but feel like I should not owe anything
Company Response:
State: MO
Zip: 65202
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A