Date Received: 2021-09-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: We keep getting family members and relatives that are in different states and not in direct contact with us getting multiple calls asking for us but we have already called the company to ask they remove family members from any upcoming calls. Its escalated where they call our parents who are elderly and recovering from covid. I personally called to make a formal request for them to not contact this family member but they called via another phone line.
Company Response:
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XX/XX/14 I called and spoke to XXXX regarding a letter I received in the mail for an application that needed more information for a Victoria Secret credit line through Comenity Bank. She informed me that my last 4 did not match what she had on file and would not help me any further. I did notify her about the letter and she did not provide a response to why I would have received the letter. She said she needed to speak the person who was on the application form.
Company Response:
State: MS
Zip: 38655
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: Ive been having this comenity bank charge on my account for years, years ago i was employed at XXXX XXXX, we are talking over 7 years ago, it was a requirement for us to try out for a corporate credit card upon employment, i was denied of course never received a card from my director and or company, a few years after i left the company i noticed these charges from comenity bank that were in collections Ive tried to rectify this situation for years now, no luck Ive contacted XXXX XXXX corporate, Ive spoke with the card issuer, yet still no luck i have now been getting Unknown phone calls and voicemails stating that they are taking me to jail and are going to contact my employer as well, theyve contacted my sister and left her threading Voicemails as well, now i have comenity bank and also XXXX XXXX, which is the collection agency that took over this account, yet both of them still report negative after years and years of trying to get this wrongful account removed from my credit, i cant take the harassing phone calls every morning for the last week now, and also contacting my family, this is ridiculous, this is my final step before i do contact an attorney on this matter!
Company Response:
State: MA
Zip: 01109
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone opened a fraudulent account under my name without my authorization and made charges. As a result, my credit score has decreased substantially and I now have derogatory marks on my credit report.
Company Response:
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: my husband and I was visiting in XXXX in XXXX, we where stopped by some sales people about taking a free helicopter ride and a free steak dinner if we attend a seminar, we did upon this meeting they asked for our ID '' s and some other information. We did. and after the seminar we go to a back room with all these salesmen again to get you to apply for a vacation package.for XXXX I told my husband no and we left .the next thing I found out money was coming out my account in XXXX. I tried and tried to reach out to them and nothing/at first they couldn't even find me.i finally after 2 month 's have got a phone number to call them about a credit card they say i purchase for a XXXX and never received are used.they are still taking money out my account
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have attempted to reach out to this company for an explanation of why my limit was decreased on 3 of my store cards ( NY and XXXX XXXX XXXX XXXX and XXXX XXXX ) All of these cards are serviced by Comenity. I did not receive anything stating this. I also was told by the rep I should have received an email, with such information and an email was not sent. Comenity has done this before, when I made a large payment taking my cards balance down to below the half way point. The limit decrease placed on all three cards took the limit down exactly to the limit causing an adverse affect on my credit score. My current overall utilization over all of my cards is below 30 % and my fico is in a fair range. There is no explanation from this company other then contact the credit bureau. I feel these are unfair and adverse practices, to me as an consumer. No one I spoke with had an answer for what Comenity has done other then a blanket statement. Mind you this card is paid on time all the time. The only option given was to apply for a limit increase which would be an hard pull on the credit report. These practices from this company are abusive to customers.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have these accounts that are not mine and i want them to be remove. 1. Identity Theft XXXX Account Number : XXXX This is not mine. 2. Identity Theft CB/XXXX Account Number : XXXX This is not mine.
Company Response:
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
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 longer than 30 days, and I haven't received any investigation results.
Company Response:
State: GA
Zip: 30458
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a credit card from Comenity Bank ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX for which I never applied. I contacted Comenity and XXXX XXXX directly on XX/XX/XXXX and reported as fraud and they began an investigation as the account was opened on line and already had a balance of {$300.00}. I also pulled a credit report and it is listed as a new account as well. I placed a freeze on my credit with all three credit bureaus. This new account has resulted in a decrease in my XXXX score. I normally wouldn't be concerned, however, I am in the process of applying for a mortgage. I need this to be corrected asap and for this to be corrected, recorded as fraud and removed at all three credit bureaus. Thank you for your help in resolving this matter. XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The 3 Credit Bureaus is reporting inaccurate information on CB/VICSCRT. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A