Date Received: 2021-08-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am reaching out to you to see if I can finally resolve this matter with this stubborn company. I have written them serveral times requesting validation of this derogatory closed account that continues to stain my credit worthiness. Repeatedly they have written me telling me that they SOLD the account to XXXX XXXX XXXX. They are not the ones reporting this on my credit ; CCB/XXXX is. They did not send me medical records proving that I owe this debt, nor did they show me what right they had to sell my information to a third party without my consent. Now I have this credit collector attempting to collect on a debt I do not owe them thanks to CCB/XXXX violating my HIPPA and PHI rights. Prove that I signed a HIPPA or PHI release allowing you to sell my private medical information to a third party without my consent. I am beyond LIVID at this point and I am trying to be amicable for the last time before I turn all this evidence over to my lawyer and have our day in court in my state and I will sue you for up to {$10000.00} or the maximum amount that my state allows according to FCRA and the OCR. You are well aware how serious HIPPA violations are. Do theright thing and DELETE this account from my credit reporting with XXXX, XXXX and XXXX. As you can also see from the attachment, the information that was reported was completely inaccurate and false. Prove your rights or I will see you in court and you will lose more than what you are claiming that I owe you. This is my final attempt to get you to delete this closed account from my account. You are the one who put it there, you take it off. Take this matter very seriously.
Company Response:
State: TN
Zip: 37412
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My complaint is with XXXX XXXX XXXX/Comenity Bank, account ending in XXXX. On XX/XX/21, I paid the credit card account in full. I was then charged the residual interest of {$5.00}, I not realizing there was still a charge on my account, I failed to make the payment and then charged a late fee of {$5.00} plus a late fee of {$2.00}, total of {$12.00}. I contacted the bank to ask for a courtesy adjustment and was told due to the account being closed ( at their request because XXXX stores closed ) they could not issue a courtesy adjustment and recommended I pay the {$12.00} balance. I asked where in the credit card terms and conditions did it state no adjustments could be made when the account was closed. I was advised to access a website other than the general website where I would usually log in to pay my account each month. I asked where on the website could I locate the credit card agreement terms and conditions and was told it was not on the Comenity website and again given a totally different website to access and review the terms and conditions. I asked how would I know to go read these terms on a totally different website and was not given an answer. I asked where could I locate my question about no courtesy adjustments when an account is closed and did not get an answer.
Company Response:
State: TX
Zip: 78155
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My Victorias Secret credit account # XXXX XXXX XXXX XXXX with Comenity Bank was charged a minimum interest charge in late XXXX ( I believe the charge was billed on XX/XX/XXXX ) for which I was unaware. I was not expecting a charge because I had paid off the balance in full earlier in the month on XX/XX/XXXX and had not used the card at all since. After I made the payment I checked to make sure it had posted the next day and it had and the balance reflected {$0.00}. However this charge was apparently for the previous month and was billed after the fact. I was advised it was charged anytime a balance carries over. But most people do not check a credit account when theyve already paid the balance in full. Also, considering the fact that the credit card company makes money only when someone carries a balance and interest accrues, to charge a fee for the credit card company to essentially make more money off of you when they are already making money by the sheer fact that you carried a balance and are paying them interest, it just feels extremely predatory to me - like they are finding a legal way to increase interest without actually increasing interest. Which prohibiting the unlawful increase of interest is the whole intent behind usury laws. Because I was not aware of this fee ( it wasnt a practice at the time that I opened the line ), I was advised it was something they implemented later, it continued to carry over and I only discovered it when my credit reporting agency notified me that my score had dropped 150 points because one of my credit lines showed past due. I called the credit company directly to say I wasnt aware of any fee, that Id already paid the balance in full and I asked them to please remove the late from my credit reporting - that I had brought the account current and wasnt aware of this practice. I was advised that the fee practice is legal, they can do it, that I missed it, and that they werent going to remove the late payment from my credit for the fee that they charged me for them making money off of me by charging me interest, even after Id paid the balance in full. This fee has caused the exact same issue to several other card holders as it has to me. This is a predatory practice, its not a clearly identified or anticipated fee ( like a late fee would be ), and I feel like this practice shouldnt be permitted, this is an overly complicated practice for the consumer, and one only designed for the intent of further making money off of increasing interest payment - without actually having to unlawfully increase the interest rate, thus bypassing usury laws. A lot of consumers feel that this type of fee should be considered a prohibited practice under usury laws.
Company Response:
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: notice inaccurate information on my credit report.
Company Response:
State: OH
Zip: 43512
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Hello, I am submitting a complaint regarding my XXXX store credit card, issued by Comenity Bank LLC. XXXX XXXX began charging customers a {$2.00} Residual Interest Fee in XX/XX/2021. I was not advised about the change and I had a XXXX BALANCE at the time the fee was assessed to my account. Because I had paid my bill IN FULL, I was unaware I would be charged a residual or trailing balance fee on the following months statement. XXXX proceeded to charge me late fees for not paying my late fee. The {$2.00} fee ballooned to {$30.00} between XXXX and XX/XX/2021. I contacted customer service as soon as I became aware of the charge. No one could adequately explain to me how {$2.00} became {$30.00} in a matter of 4 months. I requested a refund and my request was DECLINED. The customer service agent explained that the policy changed in XX/XX/2021 and all customers were sent a notification. However, I never received any notification and the Comenity representative was never able to provide me with the policy or direct me where I could find it on their credit card website. It should be noted this is the second time Ive had an issue with Comenitys lending policy. The previous issue resulted in me receiving a delinquent account notice on my credit score. Comenity is responsible for my ONE AND ONLY credit card delinquency in more than 10 years. I paid the account in full and disputed the the information with the credit bureaus, but Comenity refused to remove it. Clearly there is a serious issue here that needs to be resolved.
Company Response:
State: CA
Zip: 906XX
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I made a purchase online at Lanebryant.com and while checking out, I was offered a store credit card which I accepted and put the purchase on this credit account. I received damaged items and contacted the company to return these items. I was told that because of damage I would not be charged a return fee. I was credited for the return per the store credit card account on XX/XX/XXXX. I was charged a {$5.00} fee unbeknownst to me. I never used the account again. I was subsequently charged two late fees and when noticed the fee per a text message alert in XX/XX/XXXX I contacted the company. I spoke to representatives on XX/XX/XXXX who confirmed I was charged incorrectly. All charges including the {$5.00} and all late fees were credited to my account and I was supposed to have a XXXX balance. As of XX/XX/XXXX I have a balance due to interest charges ( that were not credited correctly ) of {$4.00} and this account is damaging my credit as it's incorrectly reporting as late on my credit reports. I never owed a balance on the card and it should never have reported as a balance owing.
Company Response:
State: SC
Zip: 29621
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My account was closed on XX/XX/2019, when according to 15 usc 1602 this is an open end credit plan, and an open end credit plans can't be closed by anyone except the person who originated the credit. I am the original creditor. I sent them documents as they state they have received them. In the documents they received an affidavit, invoice, and cease and desist which can all be found attached. Pursuant to 12 CFR 1102.33 " ( b ) Requirements of Rebuttal ; effect of failure to deny. A Rebuttal filed under this section shall specifically admit, deny or state that the party does not have sufficient information to admit or deny each statement in the Notice of Intention. A statement of lack of information shall have the effect of a denial. Any statement not denied shall be deemed to be admitted. When a party intends to deny only a part or a qualification of a statement, the party shall admit so much of it as is true and shall deny only the remainder. '' In the attached response letter they stated " We are reporting your account accurately. '' This is false due to 15 usc 1666b which states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ... ... '' They have marked my payments as late more than once, which proof can be found on the attached documents. They stated on the document " Were unwilling to reopen your account. '' They don't have the right or power to tell me they aren't reopening my account because they didn't have the right or power to close it according to what was stated above. Which means by them stating and reporting it to my credit file thats a violation of it. They then proceeded to state " Were unwilling to remove the account from your credit report. '' I never gave them written permission to report anything on my credit report. This is in fact a violation as well. They lastly stated, " Weve verified were reporting the account correctly to the credit reporting agencies, as required by law. '' This is also in fact no true because who did they call or interview to " verify ''.
Company Response:
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Comenity Bank, XXXX Visa credit card. Opened in XXXX, and XXXX I send my payment in 2 weeks ahead and they credit day after due date, say they are aware of a delay in there receiving of mail payments. Refund late fee, but I then send payment by XXXX or XXXX of each month for due date of XXXX and even 17 or 18 business days mail and they still credit day late everytime. Only once did they do my payment processing properly, XXXX, sent on XXXX received on XXXX like normal mail should work. today XX/XX/2021 again they say not received and will waive my late fee after speaking with manager XXXX. But I say the problem is not the mail system, as that is impossible, it is not me, as I am sending payment in beyond early, but is there predatory practice of purposely holding payments to just after due date for fees and causing credit damage to good customers always paying on time.
Company Response:
State: NY
Zip: 138XX
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Community bank wayfair, searched for and obtained family members names and phone numbers to discuss my account without my permission. They then repeatedly called all day every day to my family and my self
Company Response:
State: GA
Zip: 319XX
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2021 XXXX took money out of my bank account without permission. They had no business doing so. The amount is {$64.00}. I do not accept this.
Company Response:
State: TX
Zip: 77355
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A