Date Received: 2021-10-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Company Response:
State: CA
Zip: 95207
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been attempting to get my statement from Comenity/XXXX since XXXX. I have not had a statement since XXXX and I have reached out to them several times and have gotten nowhere.
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I lost my job due to COVID, I have had an Express Clothing Store Credit card for years and now very behind on payments. COMENITY BANK has not only tried contacting me but they are also calling my mother-in-law, whom lives in a different state not listed on any of my financials. My XXXX year old son, during school hours. They are not only requesting to get my contact information or questions about my whereabouts, they are telling them details of my debt and the legal implications if I dont call. I never gave them permission to discuss anything with anyone. They are leaving messages as if they were calling my phone..messages directed to me and not them.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2021 I was at XXXX XXXX in XXXX, PA, XXXX. I thought I was scheduling my upcoming oral XXXX. They had me sign a form on a tablet, which I assumed was permission for my XXXX. Unknown to me, I was signing a new Credit Inquiry for them of {$1400.00}, that they wanted in order for them to even do the XXXX! I have called Comenity Capital Bank, XXXX XXXX XXXX and XXXX XXXX to no avail. I was on the phone 3-way with XXXX before my appointment, and with my insurance company, XXXX XXXX XXXX and XXXX was assured that I was fully covered. I am trying to repair my credit, and I do not want this Hard Inquiry on my report for 2 years, whenever I did not authorize it in the first place!
Company Response:
State: PA
Zip: 15401
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on CCB/XXXX and CB/XXXX. The 3 Credit Bureaus are also reporting this company to be the owner of the debt when they are not! These accounts were transferred or sold to another company and I tried contacting 3 Credit Bureaus requesting a complete payment history with these accounts for me to review the exact date on which the charge-off was posted. The 3 Credit Bureau can validate this information by investigating the matter and MUST correct or remove the defamatory information they are currently reporting. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Please REMOVE these accounts immediately.
Company Response:
State: PA
Zip: 19380
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment to my Comenity card which was cashed by Comenity in XXXX. I filed a dispute with them TWICE and sent in a copy of the cancelled check. They are not responding to me or applying payment. I called today and they told me they need more proof. What other proof is there other than a copy of the check that they cashed?
Company Response:
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX from Commentity Bank reported that I had two late payments when I was never late on a payment. I paid off the balance earlier than expected even.
Company Response:
State: PA
Zip: 15210
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
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: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Please refer to the attached for full copy of statements XXXX XXXX The last purchase made with my Victoria Secrets card occured on XX/XX/XXXX which showed up on XXXX 's statement, due XX/XX/XXXX. Unfortunately, I made the payment too close to the due date ( XXXX ) and it was received on the XXXX, generating a late fee and interest charge, for a total of {$31.00}, due on XX/XX/XXXX. On XX/XX/XXXX, a new payment for the amount due was made, leaving a {$0.00} balance in the account. And, again, I have not used the card since XXXX, so I was not tracking the account any more at this point. Here is where the unfair, unexplained and incoherent transaction starts. In my opinion a system error. A new " Fee Charged '' for {$2.00} was applied to the account on XX/XX/XXXX. This has no explanation whatsoever. Considering I've already paid my dues, actually 15 days earlier ( paid XXXX, due XX/XX/XXXX ) The {$2.00} generated late fees and more interest and late fees over and over. The balance grew up to {$30.00} ( breakdown below ). XXXX {$2.00} interest XXXX {$2.00} late fee XXXX {$2.00} interest XXXX {$6.00} late fee XXXX {$2.00} interest XXXX {$14.00} late fee XXXX {$2.00} interest On XX/XX/XXXX I received a paper statement ( while I'm signed up for eDelivery ) showing a total of {$30.00} balance due on XX/XX/XXXX. I should've not paid it at this time, however I did. A full payment was made, again on XXXX. Today, I noticed a new balance for {$2.00} posted in the account. I went and paid it. But not fully convinced of what is happening, I decided to call Customer Service and discuss. Spoke to XXXX with client service, and she understood the situation and credited the {$2.00} I had just paid. And offered me to transfer the call to her supervisor to apply the credit for the {$30.00} previously paid, as she was not able to process it. XXXX, XXXX 's supervisor, argued with me from the beginning, repeating herself and not listening to the full analysis I've prepared, before I called them. So I requested her to transfer me to her manager or a higher up agent. Then I was transferred to XXXX, Senior manager. Again, arguing and advising me to refer to the statements which were black and white, clear enough to anyone or close the account if I disagree to their terms and conditions. I explained, several times, that I did not disagree of being charged for the late fee in XXXX. however if I had until XX/XX/XXXX to pay {$31.00} and had paid that amount on XXXX, basically 15 days in advance, why am I being charged {$2.00} again in XXXX. It just makes no sense. This call was on for almost an hour. And if they really recorded it, I hope you could listen to it.
Company Response:
State: FL
Zip: 33405
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I went to vacation last month, and when I returned I checked my credit and I found several collections that were not mine. I tried reach out to the companies to to the credit bureau but they refused to look into the situation.
Company Response:
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A