Date Received: 2021-10-01
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I am being sued by a collections company ( XXXX XXXX XXXX ) for a debt that they purchased, when asked them to validate debt, they sent copies of a statement from original credit card. No actual proof of me owing them the debt.
Company Response:
State: TX
Zip: 76262
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX days and I haven't received any investigation results.
Company Response:
State: IL
Zip: 60586
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: 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: My name is XXXX XXXX and I have a complaint against BJ 's wholesale club. I am receiving a bill for a BJ 's credit card that I never requested or received. I am now receiving a bill for {$290.00} but have never a made any purchases because I didn't requested it and I don't have a card. The banking company Comenity wants to offer me a deal to pay half of the bill but I refuse to pay a bill for something that I never requested or have a card for to make any purchases. Please assist me with having this bill erased and the account closed out. I can be reached at XXXX or XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX XXXX
Company Response:
State: MD
Zip: 21212
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: The following accounts are being incorrectly reported to belonging to me. CB/VICSCRT {$220.00} Charge off XXXX {$500.00} Charge off Both accounts say they were opened in 2017 Neither of these accounts belong to me and I have no recollection of ever opening these accounts. I demand that these fraudulent accounts be removed and have reported the theft. These accounts are fraudulent and arethe result of identity fraud. At that time I had multiple fraud alerts placed on my account to prevent this from happening again. My rights to fair credit reporting have been violated.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity bank is repeatedly contacting relatives and distant relatives regarding a debt they say I owe them. They will not stop calling them, even after being told that they are calling the wrong number. They are harassing people that have no connection to me or said debt.
Company Response:
State: TX
Zip: 75032
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
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: Comenity- Ann Taylor Credit Card -- Card balance was paid in full directly on the providers website, they then applied a credit charge that was not billed in the next cycle and was applied to a XXXX balance. I have emailed the company multiple times and they are kicking me back and forth between departments and not resolving the issue. They have now applied late charges and it is impacting my credit report.
Company Response:
State: FL
Zip: 33803
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I went into XXXX XXXX on XX/XX/2021 to buy my wife a birthday gift. The store offered me a card for the purchase but I thought I already had one. When she confirmed that I did not already have a card I agreed to apply for their card. She did not give me an application to fill out but had me enter my social security number on an XXXX. She said I was approved and I purchased the item for {$510.00}. Today XX/XX/2021 I received a declination letter from Comenity on behalf of XXXX XXXX. It says I was denied due to my debt to income. It also states that my credit score was XXXX. First I was not aware that an application was sent to multiple banks and that I had been denied and second I was never asked for my income for the application. They only obtained my social security number. I was not provided a copy of the application, I was not asked to verify my info, I was not informed that my credit would be pulled by multiple financial institutions, I was not provided any disclosures or any information. I called XXXX XXXX and I spoke to the manager XXXX. She was very unhelpful, seemed unaware of how the credit process worked and claimed to not know what exactly is entailed when applying for one of the credit cards. I asked for a copy of my credit application and she stated they don't have them and can't help me. I also called Comenity bank and they told me I would have to submit to them a letter in writing and mail it for a copy of my credit application or anything related to the credit inquiry. No one is willing to help but they had no issue submitting my credit to multiple banks. They should not be offering credit services if they don't know and understand how it works.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I submitted a dispute to the company on XX/XX/2021. The company responded to my dispute on XX/XX/2021 but failed to mark my account as disputed on my consumer report.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX XXXX XXXX promoted Comenity Capital operating under the name ( or doing business as ) XXXX XXXX and their 6-month interest free credit card never telling me that after 6 months, Comenity Capital would charge back that 6 months of free interest. Once I realized this, I paid off the outstanding balance immediately but Comenity continues to hound me for this 6-month " free '' interest. They have contacted me repeatedly and have also contacted several of my relatives repeatedly, as well as current and former employers. This borders on harassment in my opinion. I called Comenity on XX/XX/2021 and told them to stop calling my relatives and current and former employers. I also asked them for the state in which they are incorporated, and they could not tell me. I also asked for their Agent for Service of Process, and they would not give me that information either.
Company Response:
State: CA
Zip: 95076
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I contacted The XXXX XXXX XXXX XXXX XXXX ( Comenity Capital Bank ) regarding late payments inaccurately shown on my report from XXXX & XXXX of XXXX. I spoke with a rep named XXXX to advise that based on The CARES Act the payments during Covid should not have been reported as late. I was assured that the information was being sent to the necessary department to have the information updated. I was also promised an email confirming the same. As of today, XX/XX/XXXX, I have not received any email with that information and the payments still incorrectly show as being late on my credit reports. I contacted the company again and was transferred twice to an automated system about requesting a security freeze or my credit report ( which is not what I am requesting ).
Company Response:
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A