Date Received: 2021-08-12
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 , 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 CAPITAL BANK bal. {$840.00} 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 XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
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 , 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. {$510.00} 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 XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: OH
Zip: 43227
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
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: To whom this concerns, I have a Comenity bank/Victoria secret account that is reporting to my XXXX credit report that should not be reporting. I have tried time and time again to dispute this with Comenity Bank. I have mailed them over 6 letters just this year alone and I have to say that I am exhausted trying to reach out to them. They don't check over their work to make sure that they have fixed any issues their customers may have and it is to the point where I won't even apply for a credit card if its a Comenity Bank card. Background information : In XXXX of XXXX, I opened a Victoria secret credit card with Comenity bank. As a result of a difficult immature season in my life, I was unable to pay my credit card bill and it became over 30-60 days past due. They eventually sold me to a collection agency called " XXXX XXXXXXXX '' and it started reporting to my credit report. Last year in XX/XX/XXXX, I made an agreement to XXXX XXXX to pay for deletion. Along with this complaint, I have attached the receipts and confirmation that the balance was paid. XXXX XXXX also kept their agreement and deleted the negative collection accounts from my credit report. Although the debt was resolved with XXXX XXXXXXXX, the original account from Comenity bank was still reporting as a charge off debt to all 3 of the credit bureaus ( XXXX, XXXX and XXXX ). They were notified from XXXX XXXX that I paid off the debt so they eventually changed the status of the dispute to " paid ''. later on I found some inaccuracies in the information they were reporting to the credit bureaus and disputed the account. I mailed letters out to Comenity bank and all 3 of the credit bureaus to dispute the account. After the 3rd dispute I had with them, they didn't fix the issue once again but instead reported duplicate accounts to XXXX, XXXX and XXXX. Each credit bureau now had 2 accounts from Comenity bank reporting to my credit report and they all had different account numbers. You can only imagine how frustrating it is to ask someone to fix something and they only make the problem worse. This heavily impacted my credit report and it wasn't my fault. Of course I had to spend more of my money to mail a dispute to them again hoping that this time, someone who really understood their job would resolve the issue. I even requested a signature and overnighted the letter in hopes that a person would be handed the letter and read it. Eventually, after 15-25 days, someone got a hold of it and deleted all the accounts from XXXX and XXXX. Here 's the twist, they deleted only one account from XXXX and left one on there. Just when I thought this was over, they decided to leave just one account on XXXX. Even better, they mailed me a letter stating that none of the accounts are reporting to the any of the credit bureaus. The worse part about this is Comentiy bank credit bureau ( the only department that handles disputes ) does not have a number or email address. You can only reach them by mail. After paying to have so many letters mailed only to have your problem left unresolved, it becomes very frustrating. From my knowledge and understanding, under the Fair Credit Reporting Act, it is a violation for a creditor to report inaccurate information, better yet duplicate accounts with different account numbers to a person 's credit report. They even misspelled my name on the credit card and documents as " XXXX XXXX XXXX ''. Such mistakes results with them having to delete the account from the consumer 's credit report and I mean all of the accounts they made errors on. Following them leaving one account on my credit report with XXXX, I have disputed the account more than 4 times only to have them update the account and not delete it. I even mailed them more letters and I am tired. I am reaching out to you because I am hopeful that this will cause them to look into my case and actually do something. I have supporting documents along with the letter they mailed me stating that no accounts should be reporting to my credit reports. In the letter, I underlined that specific sentence. Please help me resolve this issue.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: First off, I tried to close my XXXX XXXX Account because of the terrible service and screwy billing, I also could NEVER access my account online due to a software issue on their end, so I could never use my bill pay directly to them. Well, after months of this XXXX I just called to close my account, The customer service agent I spoke to gave me a payoff amount to close the account, I asked if this was all inclusive amount? ( fee 's, interest, balance, everything ) I was assured it was. So I paid the amount and was glad to be rid of this XXXX credit card ... .little did I know that this was just the beginning, two weeks I get an email telling me the I still owed {$37.00}?! I contacted the customer service dept. and was told that a late fee was added onto the account, I told them I had spoken to the service rep and received a TOTAL PAYOFF amount so what was this XXXX? " Well Sir, the payoff was made two days after our billing cycle so this amount was added two weeks later '' and because I closed the account they would not remove the late fee even though they reviewed the phone call to the service rep and agreed that I was " misinformed '' by the rep. " However Sir, there is nothing we can do to remove this fee ''. Because I closed this account this was their last chance to rip me off one last time. So what? I hire a law firm for {$38.00} bill due? or do I just tell everyone to NEVER GET A WOMEN WITHIN Credit Card. Even when youre right, this company will XXXX you over {$38.00} bucks just to pad their wallets. I would give them a minus Star if I could.
Company Response:
State: OR
Zip: 975XX
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I signed up for an XXXX credit card in store with a {$1000.00} limit in XXXX XXXX They failed to send me a physical card but I was able to buy things on the account anyway. This became a problem when it came time for me to pay the card because every store I went to had different answers about whether or not I could pay the bill in store - sometimes same store, different employee response. I called, got the directions to use USPS mail to send my written social security number and ID scan into.so they could verify my identity before sending a physical card. I received a letter in the mail over a month later stating that my identity check was rejected - no reason why given. When I called and asked, they also couldnt tell me the reason for rejection. I spoke to them again in XXXX when they called to collect my bill payment with a late fee on it. Keep in mind I still cant pay the bill online or in store. I asked them to remove the late fee and I agreed to pay the remaining ( actual ) balance this once over the phone. They agreed and assured me I would receive my card in the mail. I held off on making any further purchases until my birthday came around in XXXX They had started stacking late fees on my account, so I called and paid the balance again but said I would not pay the fees. I called and explained the situation to multiple customer service reps who apologized and said, Im sorry, this is not your fault, which made me hopeful. But once I was transferred to Collections, specifically the Supervisor, she was horribly rude, hardly acknowledged any point I made, and blamed the entire situation on me. Zero options for compromise, not a hint of sympathy. When I told her I wasnt paying the fees and would be filing a complaint, she scoffed. Since, they have spitefully limited my account limit to barely {$100.00}, further hurting my credit. I have told the Supervisor of Collections and several other collectors at this point that I dont plan to pay it and Ill be taking a complaint elsewhere, yet they call multiple times a day from several numbers or No Caller ID. Its harassment. This is also not my first nightmare experience with Comenity. If I had realized they were funding the cards I never would have signed on.
Company Response:
State: OH
Zip: 44116
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a Comenity Bank XXXX XXXX credit card in XXXX, my limit was {$300.00} I paid the card down to roughly a {$100.00}. In XXXX I saw the amount I owed was more that the limit, I contacted them an told them I became XXXX and ask them to cut the card off and Ill pay the balance. Which never went down only up. Now they have me in collection for {$1100.00} I have the same issue with the same bank for a XXXX credit card with a limit of {$500.00}, I paid that card down to {$230.00} and now they have me in collection for {$1000.00} XXXX XXXX XXXX also for XXXX, I paid this account off and they sole the account and put it back on my credit.
Company Response:
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
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: Products were ordered from the vendor in XXXX of 2021. Products were to be shipped and received by XX/XX/2021. Items were not received at that time. Attempted cancellation with vendor after 2 weeks delay. Vendor refuses cancellation. Asks for patience. Items received on XX/XX/2021. XXXX XX/XX/2021 via USPS, and was received by the vendor according to USPS tracking on XX/XX/XXXX. Multiple calls to the vendor requesting refund " yes, it will be refunded '' still has not been processed. When attempting to reach out to their allied financial institution ( Comenity Bank ), and attempting to raise a credit card dispute, Comenity interfered and refused to process or take information relating to the fraud / dispute, on 3 occasions ( on XX/XX/2021 ) - representatives were unwilling to process the complaint, and proceeded to disconnect the call. The only general contact information for Comenity aside from the vendor card is a debt-collection agency, which reportedly has no account information.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
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: second contract was open less than one month after the initial contract. XXXX credited all late fees and credited the second account. XXXX XXXX XXXX still shows hard inquiry and late payments. XXXX has sent letter and I forwarded the letter from XXXX also but it shows late payment. On the vacation club for Comenity Capital bank the same issues show on XXXX credited all late fees and report shows late payments I would really like this corrected because this has been an ongoing issues since XX/XX/2020.
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I have a Comenity Master card. I originally applied to Wayfair and the company change the Wayfair card to a Master card a few months later. As of the 2021 I am charged 2 interest rates one for the Wayfair purchases and one for the Comenity purchase I did not receive any notification of the double interest. This doesnt seem legal, per the customer service rep the payments are split in half.. I asked if I could receive a separate bill for the 2 charges I would like to pay the Wayfair charge off ASAP I was told I can only make additional payments..on my last statement XX/XX/2021 my interest was {$89.00} my balance is XXXX Again this doesnt seem legal
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX - Took 0 % financing offer for dental work = {$900.00} First payment XXXX min {$35.00} XXXX was due XX/XX/XXXX, and the XXXX of each following month. I made these payments through online banking via XXXX XXXX XXXX XXXX : XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$250.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$50.00} XX/XX/XXXX - {$53.00} In XXXX I received a bill showing a balance due of {$53.00}. I called Customer Service and was told my XXXX payment had not been received, so I went to the Credit Union and got the proof of payment that showed the check had been delivered on XXXX. Since it had not been cashed, I put a stop payment on it. I then called and paid it by phone using my debit card and the rep waived the late charge because I had made the payment although they were not showing it. At this point I believed my account was paid in full. In XXXX I received another bill, for a late charge of {$29.00}. I clearly did not owe this, but just to close the matter, I bought a money order and mailed it on XX/XX/XXXX. Again, I thought this matter was closed. But I have now received a bill for a late fee for a " returned payment of {$53.00} '' - the check they had all along but claimed they didn't, and which I put a stop payment on and paid by debit card. And again, another bill with another fee - now showing a balance due of {$64.00}. I wrote to the company on XX/XX/XXXX and provided documentation of all these dates and payments. On XX/XX/XXXX they responded that they will not remove the late fee because the minimum payment was not received by the due date. I paid all of the installments of this loan in accordance with the contract and have additionally paid {$29.00} that was not owed. I assume my final check was sitting on someone's desk for several weeks after receipt and that's why it was not credited to my account.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A