Date Received: 2021-09-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In summary, this was an inactive account to which an erroneous charge of {$4.00} was debited by a Vendor in XX/XX/2021. The account started incurring fees ( {$48.00} ) based on this erroneous charge. I was not aware of any of this activity until I received a call on XX/XX/2021 about the status of the account from Comentiy Bank Collections ( XXXX XXXX XXXX ) with whom I disputed the balance due to the non-use of the card. I don't believe they opened a dispute at the time, they continued the reporting. Subsequently, I had to contact the Vendor to get this matter investigated and resolved. The Vendor since has acknowledged their error and pushed through a credit to the account. I spoke with Commenity Banks XXXX XXXX XXXX again on XX/XX/2021 who was kind enough to have the fees removed. They told me I have to speak to Customer Service to have the Credit Reporting History updated to remove any delinquency reporting. The discussion with Customer Service was not as fruitful as they advised they can not handle or make any corrections to the credit history reporting. After further inquiry they provided a dispute address. I am formally requesting for Comenity Bank to please adjust the credit reporting history removing any reported delinquencies as applicable for XXXX, XXXX, and XXXX. This charge never should have been charged and was removed by the Vendor acknowledging their mistake to my detriment and my credit history should reflect that accordingly as a XXXX balance account from XX/XX/2021 through year to date..
Company Response:
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a credit account with Arhaus/Comenity Bank which was auto-drafting payments. When Arhaus returned a payment due to an address discrepancy, I was contacted by phone for the 1st time by Arhaus around XX/XX/XXXX by phone and told that if I tendered a payment via phone immediately that my account would remain up to date with no issues reported. I complied and gave them my card immediately. The Arhaus employee then told me that the account would remain up to date with no issues being reported and told me I would receive an email verifying this shortly after the payment was processed. I did not receive an email and roughly 3-4 days later I receive an alert on all 3 bureaus that I am 30 days past due on my credit account. This was the exact opposite that I was told on the phone by the Arhaus employee and I was compliant with all request the first time they contacted me. I have perfect credit and never miss a payment and this is incorrect. I have sent in documentation in the form of payment statements showing all of my payments being auto-drafted on Arhaus website dashboard on time to XXXX as well as to Arhaus/Comenity and it seems that nobody is accepting clear proof. This is a cheap attempt by a creditor to incur fees on a consumer with no history of late payments, a blatant disregard for the damage caused to perfect credit when a company is reckless with their customer service, and does not reflect the truth of my account history with this creditor.
Company Response:
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Regarding Complaint ID # XXXX : THIS IS NOT A DUPLICATE COMPLAINT! The previous claims submitted were denied EXCEPT the first one! The remaining claims STILL NEED TO BE ADDRESSED THOROUGHLY! They were denied due to payments delayed due to change of address of your processing center. Per the attached statements, the address was not corrected on my statements until the XXXX statement! These payments required additional time to process, but not due to MY PAYING LATE!! How was I to know the address changed without notification until XXXX? Therefore, ALL interest charged on XXXX statement, {$17.00} : XXXX statement, {$10.00} ; and XXXX statement, {$7.00} should be credited back!
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute with XXXX in regards to the incorrect items on my credit report, it has been 45 days and I haven't received any investigation results.
Company Response:
State: CA
Zip: 94520
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Back in 2016, I opened a credit card with COMENITY BANK/EXPRESS , I personally paid it off and closed the account. They will not take it off my credit report. They have no phone number to contact, only a po box . I have disputed with the company twice and they refuse to remove it from my credit. The highest amount was {$140.00}, and I never went over the amount they gave me.
Company Response:
State: SC
Zip: 29301
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I bought some jewelry a couple of years ago at XXXX XXXX. I was told that it was 0 % interest for a certain period of time ( XXXX XXXX XXXX XXXX ), Nothing was mentioned that if it was not paid in full that I would have to pay cumulative interest. I didnt even know cards like that existed. I just figured I would pay interest on the remaining balance if it was late. In XX/XX/2021 a few days before the promotion was over I reached out to them to get my account number. I wanted to transfer the remaining balance ( approx {$900.00} ) to a 0 % interest credit card. I needed my account number to do the transfer. They did not provide it to me. I also called and they dont provide account numbers over the phone. The also said it would be mailed to my home in my monthly bill. That doesnt help me because my statements are paperless. I could not find the account number online. I feel like they withhold the number to prevent people from transferring their balance. The other night saw a huge increase ( approx {$3000.00} ) in my statement. This is when I learned the interest charged was cumulative. That night I took money out of my savings and paid the remaining XXXX plus balance. I didnt pay the {$3000.00} interest. I was hoping they would be reasonable and see I paid off the interest free balance. I cant believe credit cards like this are legal.
Company Response:
State: NY
Zip: 10562
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Credit card company is committing fraud. I paid off this account and closed it months ago. The bank is rude and refuses to go back and listen to recording when account was closed. The bank is charging me late fees and turning it into credit bureau. I owe nothing to this bank that is committing fraud against me
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: i have been an active loyal customer since XXXX I have made my payments and always keep healthy credit score however they have lowered my credit score so many times XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX , now again XXXX to XXXX $ this has made a drastic impact on my credit score of XXXX points over time. I feel like its unfair i use my card any make my payments as well.
Company Response:
State: NJ
Zip: 08016
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
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: Had XXXX XXXX do work to my teeth comenity capital gave me the loan i was behind on payments so i went to XXXX XXXX for loan they sent check to comenity capital for XXXX on XX/XX/2020 three days later they sent me a letter saying they sold my account. They cashed the check and said they have no idea where the money is. This is still on my credit
Company Response:
State: NY
Zip: 147XX
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
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: NY
Zip: 11212
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A