Date Received: 2021-08-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a Victoria secret credit card/Comenity bank. I paid the loan completely off XX/XX/2021, the account on my credit report is stating 8 late payments on XXXX XXXX report, 7 late payments on XXXX and 7 late payments on XXXX report which are all false inaccuracies I was never late. I contacted Comenity bank and the credit bureau and I cant get any help updating the inaccurate late payments which are damaging my credit score and making me unable to purchase a home. Please help me XXXX XXXX XXXX
Company Response:
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2021-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: TN
Zip: 37917
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made an extra payment to my XXXX credit card on XX/XX/2021 they have not posted it. my payments take only 4 days usually
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I tried to pay off my credit card with XXXX by comenity bank in XX/XX/XXXX. There are a series of issues that are causing consumers issues, including myself. The account in question was closed when XXXX stopped doing business with Comenity ( they reported all the accounts as closed and I was notified by the credit bureau that this resulted in a large hit to my fico ). This closure was not in regard to the status off account, but by Wayfair and Commenity 's decision to no longer work together actively. After a series of poor service, I decided to take a loan out to pay off the card since it was creating a burden on my credit. When I logged into the portal there was no option to create a payoff amount. Upon clicking on the generate payoff amount it ways " Payment Option Not Available ... .Please select a different payment option to proceed. '' The only o there options are to " minimum payment '' " statement balance '' or " current balance '', so I paid the largest one in an attempt to pay my account in full on XX/XX/XXXX for almost {$1000.00}. Later I was notified via XXXX that the account was delinquent because interest was applied on XXXX/XXXX/XXXX of approximately {$6.00}. I was shocked as I had paid the account off. I logged in and saw that there was a small balance generated by interest for that month plus a late fee on the approximately {$6.00} and again a random interest charge of almost {$6.00} for XXXX. Unwilling to risk any further issues to my credit, I paid it quickly. I was again prevented with generating a payoff but was instructed to make the other same payment options. Again, I paid the largest balance of approximately {$14.00}. I also sent a message to Wayfair and complained. They responded back saying there was an interest rate increase for that period and that the charge was valid. They did not address the payoff issue, whereby they are not allowing customers left behind when they stopped working so hard together ( Wayfair and Comenity Bank ) and are making it extremely difficult to make a payoff for poor service to consumers. I just logged in today and see a XXXX XXXX charge assessed at XX/XX/XXXX and I made a XXXX XXXX payment. Again I was unable to generate a payoff quote. I wondered why I am not being notified by them? No phone call no email no mail. I saw that I was changed to paperless but I did not elect for that. Additionally, again, no way to know what I owe or how to remove it. At this point, this is extremely predatory-unfair, abusive and deceptive business practices. I hope that someone will look at their practices around the credit reporting XXXX blanket reporting closed when they stopped the credit card program through XXXX ) and this extremely poor payoff option via the customer portal as well as their poor response to consumers when they alert there is an issue.I am certain I am not the only one impacted by these issues. I would also like that money returned to me for any interest charged for them not allowing me to know how to pay off the loan or to resolve the issue. My original payment amount in May should have been more than sufficient to pay-off the account if their portal was not deceptively and abusively preventing me from submitting the payment. I want to make sure that any record of this issue is updated in my file to reflect that my attempt was to pay off the account. I want you to look at having them fix these issues that could be harming them as well.
Company Response:
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2021-08-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Called multiple times to stop reporting to the credit bureau agencies. Accounts is settled and needs to be updated on credit report. Accounts were settled in XX/XX/2021 and XXXX is still reporting account as no paid. Please remove account from credit report
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
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: I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : COMENITYBANK/VICTORIA-XXXX-Balance $ XXXX-Date Opened : XX/XX/2013 COMENITYBANK/VICTORIA-XXXX-Balance $ XXXX-Date Opened : XX/XX/2013 XXXX
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. COMENITY BANK bal. {$400.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
Company Response:
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: IL
Zip: 60107
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: IL
Zip: 60107
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: IL
Zip: 60107
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A