Date Received: 2021-08-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I already disputed this account ( CCB XXXX XXXX ) and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under XXXX, XXXX & XXXX from my credit reports. However, on my updated credit reports XX/XX/2021, a newly added account appeared under a different name which is COMENITYCB/XXXX which is basically the same as CCB because CCB stands for Comenity Capital Bank and with the same account number XXXX is reporting negative under XXXX & XXXX. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again.
Company Response:
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have received repeated phone calls and messages from Comenity Capital Bank ; sometimes identifying themselves as being from this vendor, sometimes not. They are contacting me regarding my sister-in-law 's ( my husband 's sister ) account and I am unaware of how they got my information considering I have very limited contact with her already and am not connected to any of her finances. They threaten action and timeliness and have contacted me using different numbers despite me blocking their calls. They have called me from XXXX on XX/XX/XXXX at XXXX and at XXXX in addition to other numbers and times. I am verified on the do not call registry since XX/XX/XXXX.
Company Response:
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: When I applied for credit with Comenity Bank they approved me for a {$2000.00} limit, on XX/XX/XXXX. My yearly income is {$43000.00} and has not changed since I received this card. I have paid them on time ever month and paid it in full at times. My payment on XX/XX/XXXX was {$1700.00} ( paid in full ). I used my card again and paid the balance of {$410.00} on XX/XX/XXXX. On XX/XX/XXXX, I logged onto my comenity bank account and noticed my credit limit was dropped to {$750.00}. I called comenity bank XXXX and spoke with customer care, I asked the lady why was my credit limit decreased? Her response was, we sent you a letter on XX/XX/XXXX but here are 2 phone numbers for the credit reporting agencies, I called but you cant talk to a human. I called comenity bank back and spoke with a second customer care lady, told her I was not able to speak to a human with the numbers they provided me, she said hold one moment and I will connect you, I was not connected. I called a third time and spoke with a supervisor, he informed me a letter was sent out and i should get it Monday, ( I haven't ), I said just tell me why my limit was decreased, he said the letter is coming from the reporting agencies so, he is not sure what it says.
Company Response:
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when reviewing my credit report and found a late payment reported for XXXX and XXXX of 2019. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: at XX/XX/2021 in went town then floor and decor to buy some stuff I needed for mine new house I bought about 1 month ago and the employer of the store told me to apply for a credit cart with them, I asked him I don't want hit mine credit score and he told me we don't hit your credit score and then I applied and after few seconds I had notification on my phone from XXXX and says new hard inquiry, so the guy gave me wrong informations or he lie to me, then I got mail from the COMENITY CAPITAL BANK and says mine application decline, is not fair because mine credit score profile is almost perfect with XXXX XXXX score and 100 percent payments on time etc. I would like to dispute thank you
Company Response:
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX comety XXXX XXXX and XXXX XXXX XXXX XXXX/XXXX XXXX after making a settlement with them, both items supposed to be removed from credit report and its currently showing on my credit. Credit were settle and paid and promised to be removed from all 3 credit bureaus.
Company Response:
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I purchased furniture from XXXX XXXX and applied for their credit card through Comenity Capital Bank. I paid the bill in full {$730.00} XX/XX/XXXX. I then received a bill stating that I did not pay the XXXX and also was charged late fees and interest and that my new balance was XXXX ( XX/XX/XXXX due date ). I contacted Comenity Capital Bank and completed their resolution process. I was sent a letter dated XX/XX/XXXX which stated what I needed to send in. I sent in a letter dated XX/XX/XXXX along with my current bill due date XX/XX/XXXX in the amount of XXXX and the electronic check ( front & back ) from the bank ; a copy of the XX/XX/XXXX letter and a copy of the bank transmittal showing when the check was delivered to the comenity facility in XXXX XXXX, TX. Later, I received a letter dated XX/XX/XXXX stating, " after careful investigation, we have determined that you are not are not responsible for paying the disputed amount. This adjustment has been made to your account, including any related charges and/or fees, as applicable. Please allow on to two billing statements to reflect the adjustments. If applicable, we have provided this updated account information to the credit bureaus. I continued to received bills that show fees/interest accruing. I called Comenity Capital Bank in XXXX to have them correct this issue as it is affecting my credit with the various bureaus. I was informed that there was nothing that could be done and to wait one more billing cycle. My XXXX bill showed that I owed {$40.00} ; XXXX {$63.00} ; XXXX {$73.00} and now XXXX {$100.00}. Comenity Capital Bank calls my cell phone 3-4 times daily wanting me to pay them what I do not owe. I can never get anyone to correct my account and it is now a HUGE PROBLEM. I feel completely harassed by this banking institution.
Company Response:
State: MI
Zip: 48169
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This company is currently showing late payment. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I spoke to them again today XX/XX/2021 about this debt. Ive spoken to them several times about this debt because theyve threatened to file a lawsuit against me. Today I spoke to the original debtor who told me I owed {$53.00} which is fine I have no problem paying that. ComenityCB/XXXX is who the XXXX XXXX is actually through and they say I owe over a {$1000.00}.
Company Response:
State: AL
Zip: 35810
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2020 my bill for XXXX dollars did not go through when it was auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage or other credit card because of this mark on my credit and the company will not help me with this unfair situation.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A