Date Received: 2023-10-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: THIS ACCOUNT IS PAST ITS EXPIRATION DATE OF XX/XX/2023!!!!! ITS A CHARGED OFF ACCOUNT & IS PAST THE FCRA LAWS TO REMOVE A NEGATIVE ACCOUNT AFTER XXXX YEARS!!! CHANGING THE LANGUAGE TO " SOLD TO ANOTHER LENDER '' DOES NOT CHANGE THE FACT IT WAS ORIGINALLY CHARGED OFF AND IS A NEGATIVE ACCOUNT!!! IF IT IS NOT REMOVED THIS TIME I WILL SUE YOU & COMENITY BANK! I ALREADY FILED A COMPLAINT WITH THE DE DEPT. OF CORP. AGAINST COMENITY AND CFPB IS STARTING TO PAY MORE ATTENTION TO FCRA LAW VIOLATIONS. YOU BOTH SHOULD BE CAREFUL! YOU ARE BOTH IN VIOLATION OF THE FCRA LAW AND MY OTHER CREDITORS ARE INVESTIGATING XXXX ' CREDIT REPORTING PROBLEMS AS I'VE GOTTEN THEM INVOLVED IN THIS PROCESS AND HAVE SPOKEN WITH THEM BY PHONE! I SUGGESTED THEY NOT DO BUSINESS WITH YOU EVER AGAIN!!!
Company Response:
State: UT
Zip: 84770
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy, 15 USC 1681 section 604a section 2 also states a consumer report agency can not furnish an account without my written instruction under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have tried three times since XX/XX/2023 to get a pin number so as to be able to make ATM transactions on this new credit card account. XXXX XXXX XXXXXXXX XXXX has not sent me one as of todays date, XX/XX/2023. I Have called them three times ( Since XX/XX/2023 ), and requested a pin number to no avail. I Have a right to receive a " PIN NUMBER '' in order to make certain transactions from ATMs. IT is bad business to deprive a paying customer of a tool that is needed to use one of their products unless evidence suggest it is not in the companies best interest to do along with a letter of explanation which said customer has not received.
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
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 responded to my original complaint stating that they had misapplied 3 payments from the following dates : the XX/XX/XXXXXXXX payment- which was sent from my bank on XX/XX/XXXX, received by Comenity on XXXX, and cashed on XX/XX/XXXXXXXX ; the XX/XX/XXXXXXXX payment- which was sent from my bank on XX/XX/XXXX, received by Comenity on XXXX and cashed XX/XX/XXXX ; and the XX/XX/XXXXXXXX payment which was sent on XXXX, received by Comenity on XXXX, and cashed on XX/XX/XXXX. I have been in dispute about these missing payments for the past several months which they failed to investigate or resolve until I contacted the CFPB to file a complaint. They have finally applied the payments, but they are still refusing to correct fees associated with their error or prove that my account should have been reported to the credit bureau. Now, I have received yet another letter from them stating that they have investigated my account and they did not find an error. So they are still trying to negate the issue, turning it back on me and ending the paper trail with me being in the wrong. There is absolutely no regard for the distress that their error has caused me, they are just trying to cover themselves.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting Act this creditor has violated my rights under 15-USC 1681 sec 602 States I have the rights to privacy. 15-USC 1681 sec 604-A section 2 it also states consumer reporting agency can not furnish an account without my written instructions. 15-USC 1666B A creditor may not treat a payment on credit card Account under and open an consumer plan late for any reasons. accounts both are from Comenity bank and both accounts are at XXXX balance. Victoria Secret/comenity Bank reprorted late payment for XX/XX/XXXX on XX/XX/XXXX and I've paid account in full, they reported me to credit bureaus, without my permission. I've called the XXXX spoke to a representative which she guided me to Comenity credit bureau which I sent out for a dispute, where they say nothing is guarantee. XXXX XXXX/Comenity Bank reported my account late on XX/XX/XXXX as well to XXXX, XXXX, XXXX without my consent as well. no update on account as well account still shows as late payment. These items are affecting my credit score, which makes it hard for me to purchase a home. thanks for taking the time to review my issues.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
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: I had purchased some airplane tickets with my American Express " Bread cashback '' card. Orignal transaction amount was {$500.00} My flight was cancelled/delayed and the airline XXXX XXXXXXXX informed me I would receive a partial refund. I even have documentation of this refund but I never received anything.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello, I paid my account in full on XXXX. Since then, I have been charged interest and late fees on this account even though the card is closed and I do not have an outstanding balance. I have reached out to Comenity several times for an explanation, but the only semblance of one that I was able to obtain from a manager was that possibly an interest charge was calculated prior to my final payment and just not added to my account. This bill is now up to {$350.00} and they are offering no resolution. XX/XX/2023 Interest Charge On Purchases {$7.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$6.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$5.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$4.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$3.00} XX/XX/2023 LATE FEE {$37.00} XX/XX/2023 Interest Charge On Purchases {$2.00} XX/XX/2023 LATE FEE {$30.00} XX/XX/2023 PAYMENT - THANK YOU - {$4500.00}
Company Response:
State: NY
Zip: 10309
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The fair credit reporting act 15 USC 1681 section 602 a says there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and I respect for the consumers right to privacy. I have the right to make sure my private information isnt shared which is proven in 15 USC 6801 which states, '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentialities of those consumers non-public personal information. ( furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subjection ( c ), any consumer reporting agency may furnish a consumer report on the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the XXXX XXXX and consumer reporting agencies XXXX and XXXX do NOT have my consent to furnish this information and they surely do NOT have my written consent. Any and all consent to XXXX, XXXX, ( furnisher of information to credit agencies ) be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( a ) ( b ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third-party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( furnisher of information to credit agencies ) hes never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 16 81C ( a ) ( b ) except as authorized under ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes with auntie dates to report by more than seven years. These accounts were an adverse items they are reporting again without my permission which is against the law 15 USC 1681 s2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. 15 US code 1681e states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title in to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR code 1016.7 says '' A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: The card shows available credit. Shows when payment was made. Show next payment due date in XX/XX/. But every time I go to use card it's declined. If card can't be used I should get credit of XXXX balance and close account. I reported a XXXX charge on card from XXXX XXXX and comenity did nothing for me. Of the XXXX in charged I believe I'm not responsible for all of it and comenity isn't fair with me.
Company Response:
State: WI
Zip: 54729
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A