Date Received: 2021-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response:
State: SC
Zip: 29016
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response:
State: SC
Zip: 29016
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have these items that does not belong to me and i want them to be removed from my credit. XXXX 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft CCB/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft CCB/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft CCB/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. XXXX 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft COMENITYBANK/VICTORIA Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. XXXX 1. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
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: Early XXXX I purchased several items from XXXX XXXX using my credit card from their company. One item was sent that was completely wrong from what I ordered. I called to let them know and they said they would ship out the proper item and that I needed to return the other item. I informed them that I could not make it to the post office seeing how it was 30 minutes each way. Having to take off for their mistake was out of the question. They informed that was fine. I never received the item that I was being charged for. I called again probably a month later when my bill was due and was sent to 5 or so different people trying to get the right person. I was on the phone for a couple of hours trying to get resolved. I would be put on hold then the phone would get hung up on. After all this I would start to get very frustrated and customer service agent would cut you off or not let you explain anything. I was told finally that I would get my refund and I told them I wanted to cancel the card. So now we are a month later and i was charged interest and still being charged for item and bill is coming up again that im suppose to pay for something I never received. I call again and me and the customer service agent get into it because he refuses to let me finish a sentence. I ask for a manager and he hangs up on me.
Company Response:
State: KY
Zip: 40701
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hi, I have reached out to XXXX and XXXX directly to show that i have a XXXX XXXX card with Comenity bank ending XXXX which is open and its not being reported to them. I also contacted Comenity Directly to resolve the issue and as of today they are still not reporting my account. They confirmed they closed my old account and re-opened a new account. my 2nd issue is I have a closed account that was in good standing with Comenity as well with NY and Co that is not reporting i have sent 3 communications and not action
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I noticed XXXX was charging 2 different finance charges on my bill. Upon questioning them about it, via email and phone call, I was told it was due to their Terms had changed. Now, I was aware of the terms changing, but did not think it would result into 2 different finance charges each month thereafter the terms changing. The only way I could have gotten out of those terms ( according to the supervisor I spoke with ), which was also not stated in the message I was sent online, was to close my card. The way they did this, to me was double billing, in turn against the law according to the Credit Card Accountability and Disclosure Act of 2009. They said its not double billing because of the way their terms are noted. The APR is the same from the past and current Billings. However, Im being charged for the finance charge before the terms changed and the finance charge of after the terms changed. This just does not seem right. I have closed my account with them as of today due to all of this.
Company Response:
State: NC
Zip: 27217
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have previously filed a complaint with cfpb on XX/XX/XXXX and my complaint ID is XXXX. This complaint is against Comenity Bank and their reporting of 4 Fraudulent accounts being reported to the credit bureaus. I have provided all documentation I can provide to the best of my ability and after my complaint there was no resolution to the accounts being reported. I am a victim of Identity theft and I first contacted Comenity Bank regarding four accounts that were opened and utilized by the individual who stole my identity on XX/XX/XXXX ( this individual was a family member who resided with me for a period of time ). They replied to me and stated that even after I provided a notarized Identity theft affidavit that they see no basis of my claim and that the debt of all 4 accounts belongs to me. I have also contacted the credit bureaus regarding these accounts and both XXXX and XXXX have honored my claim but XXXX has not. I contacted Comenity Bank again XX/XX/XXXX and I have only received a decision regarding one of the accounts however they have not acknowledged the remaining 3 and all 4 accounts are still being reported by XXXX to date. I am also still receiving collection calls and letters regarding one of the accounts that was sold to XXXX XXXX XXXX and all three credit bureaus are currently reporting this account as a collections account. Please also keep in mind the 3 remaining accounts on XXXX are reporting charged off every single month for the last year which is a violation of the FCRA.
Company Response:
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
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'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX are reporting inaccurate information on COMENITYCB/FOREVER21. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account is paid off and the rep stated that it'll be updated no later than the XX/XX/XXXX. I just checked my credit report and it shows that this account is still owing {$1000.00}. Please look at the attachments.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A