Date Received: 2021-08-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Sent certified letter requesting debt validation under the Fair credit reporting Act. Company replied with a letter on XX/XX/21 stating that they will continue to publish this account. Company did not provide any debt verification. Company employee named XXXX XXXX Stated that there was not enough proof to validate the account to me and should be removed on XX/XX/21.
Company Response:
State: CA
Zip: 94122
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
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: Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report. The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
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: Due to being sick with XXXX XXXX I was unable to make XX/XX/2021 credit card payment to ADS/COMENITY/XXXX, resulting in 30 day late being added to my credit report. Once I was better and able to make payment, XX/XX/2021 the account was paid in full. I disputed the 30 day late and explained the XXXX XXXX situation, however, ADS/COMENITY/XXXX, refused to remove it. I have never been late on a payment.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Creditor XXXX XXXX approved me for an 18 month no interest promotion for a charge that I placed on the card, I made all my payments on time and paid off the remaining balance on the due date, however the creditor did not honor the promotional agreement and has charged me the interest and has refused to correct there error after several conversation 's also XXXX improperly reported account balance to the credit bureaus for almost 2 which caused my credit score to drastically decrease and caused me the opportunity to get my home refinanced.
Company Response:
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Zales COMENITY BANK CREDIT CARD OFFERS A DEFERRED INTEREST WITH NO INTEREST IF PAID IN FULL. ZALES DELIBERATELY PAYS DOWN ON THE VARIOUS PURCHASE IN THE ORDER OF THEIR CHOOSING AS WELL AS THE AMOUNT. THE CHARGE FULL INTEREST ON TOTAL PURCHASE FOR BALANCES NOT PAID. EX. I PURCHASE XXXX RING I PAY DOWN {$600.00} AND HAVE A XXXX BALANCE THE CHARGE 29 % INTEREST ON THE TOTAL PURCHASE {$160.00}. THIS IS ABUSIVE. IF I AM MAKING TIMELY PAYMENT I SHOULD BE ABLE TO CHOSE WICH PRINCIPLE BALANCES I WANT TO PAY AND THE AMOUNT FOR EACH ONE. IF MY BALANCE IS XXXX AT THE END OF THE PROMOTION THEN I SHOULD ONLY BE REQUIRED TO PAY THE BALANCE FOR THE XXXX. NOW THAT THEY HAVE CHARGED ME THE INTEREST FOR THAT 1ST PURCHASE THEY DID NOT APPLY MY PAYMENT TO THE OTHER TWO PURCHASES AND DID NOT GIVE ME THE OPTION TO PAY IT FIRST. FOR EXAMPLE LAST PURCHASE {$60.00}. COULD HAVE BEEN PAID IMMEDIATELY UPON MY FIRST PAYMENT. THEY PREVENT US FROM DECIDING WHAT I WANT MY PAYMENT TO APPLY TO FOR THEIR SELF INTRUST!
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This late payment was of no fault of my own. This was due to the change in agreement that Comenity Bank and Wayfair had. The online payment system was removed from the Wayfair shopping platform as they have a new credit card program and there wasnt any way of paying without access to the platform. Additionally, I had made a call Sun, XX/XX/2020 to the Wayfair Credit Card Customer Care Center when I realize that they payment I have submitted haven been withdrawn from my Checking account. I was informed that my account was up-to-date and that the payment will be process soon ( Please see attachment of email from the Wayfair Credit Card Customer Service Department asking me to do a survey after I had called that day ).
Company Response:
State: IL
Zip: 60804
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Comenity Acct # XXXX & XXXX XXXX # XXXX - These accounts were disputed during the 7 day rescission period. We have provided the tracking info, the original rescission letter, and the purchase agreement. The documents specifically have the " Notice to Cancel '' page where we have provided in detail the story of events. On XX/XX/XXXX we bought the timeshare, which included Comenity Bank ( we were told it was XXXX XXXX ). On XX/XX/XXXX we certified mailed the cancellation letter to the resort because they did not accept hand delivered cancellation letters. The letter was received and signed for. On XX/XX/XXXX, we mailed out another certified letter upon arriving home from our vacation. This letter was signed for and has certified delivery as well. These are both postmarked within the cancellation period of the purchase agreement with XXXX. We sent out a third letter to Comenity Bank to notify them to close the account and that we have already cancelled the XXXX account which also have certified delivery. Both of these companies have refused to close the accounts, and continuously bill us monthly, including late fees charges. They are threatening to place us into collections with direct statements of using " legal action against us ''. We have been constantly requesting them for all account documents. Our rights under Fair Credit Billing Act of 1974 are deliberately being ignored. There is improper billing, our financial information has been shared without our permission, and our rights are clearly being violated. With these account still in an open status this is a willful attempt to defraud us and a clear violation of many of our consumer protection laws. There has been 6 months of continual abuse and willful neglect that is causing massive financial, emotional and physical harm. This neglect to this matter must stop, and we are in desperate need of aid.
Company Response:
State: CA
Zip: 91911
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Comenity Acct # XXXX & XXXX XXXX # XXXX - These accounts were disputed during the 7 day rescission period. We have provided the tracking info, the original rescission letter, and the purchase agreement. The documents specifically have the " Notice to Cancel '' page where we have provided in detail the story of events. On XX/XX/XXXX we bought the timeshare, which included Comenity Bank XXXX we were told it was XXXX XXXX ). On XX/XX/XXXX we certified mailed the cancellation letter to the resort because they did not accept hand delivered cancellation letters. The letter was received and signed for. On XX/XX/XXXX, we mailed out another certified letter upon arriving home from our vacation. This letter was signed for and has certified delivery as well. These are both postmarked within the cancellation period of the purchase agreement with XXXX. We sent out a third letter to Comenity Bank to notify them to close the account and that we have already cancelled the XXXX account which also have certified delivery. Both of these companies have refused to close the accounts, and continuously bill us monthly, including late fees charges. They are threatening to place us into collections with direct statements of using " legal action against us ''. We have been constantly requesting them for all account documents. Our rights under Fair Credit Billing Act of 1974 are deliberately being ignored. There is improper billing, our financial information has been shared without our permission, and our rights are clearly being violated. With these account still in an open status this is a willful attempt to defraud us and a clear violation of many of our consumer protection laws. There has been 6 months of continual abuse and willful neglect that is causing massive financial, emotional and physical harm. This neglect to this matter must stop, and we are in desperate need of aid.
Company Response:
State: CA
Zip: 91911
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
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: Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my report. The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.
Company Response:
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have submitted complaint ( s ) against this company and provided plenty of notices/Affidavits with lots of evidence but they still claim that I owe this alleged debt. They have also not provided me with the remedy I am entitled to and they may or may not have ignored my Cease and Desist that I've recently sent to them. Attached is my UCC Filing Search Results Report from the Commonwealth of Pennsylvania Department of State which shows there are no commercial Liens filed against my name. This company has been collecting debt without properly obtaining judgement or proof of verification of judgement, and have not submitted a public filing via UCC-1 with the Secretary of State. This is my last warning before I proceed to bringing legal action against them.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A