Date Received: 2021-07-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Repeated calls to family members without authorization of that phone number. Discussing details with unauthorized users.
Company Response:
State: CA
Zip: 95765
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: IL
Zip: 60426
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hi, I ordered some clothing from XXXX ( Comenity Bank ) and returned them when I lost my job from COVID. I never even opened the packaging. They have received everything back and that was confirmed with XXXX, but they are charging me {$78.00} + {$39.00} + XXXX in late fees and also finance charges. I explained to them and have all the correspondence with them whereas I ask them to remove the late charges as I lost my job and can not pay them. The first lady said when we received the last item ( which was backordered - I did tell them not to send to me ) we can go ahead and remove the late fees and finance charges however they are not willing to help me out and I find it crazy to pay late fees for items I retuned as soon as I got them. Please advise.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX paid off card XXXX paid in full on web site. No past due balance paid off early. Found out in XXXX I had a past due balance because on XX/XX/XXXX they charged me a finance charge on my XXXX balance of XXXX and then on XX/XX/XXXX a late fee of XXXX on that XXXX finance charge then on XX/XX/XXXX a XXXX minimum interest charge. In XXXX I called and requested the card be closed and even though I did not feel I owed it I paid the XXXX and was told no other charges would be assessed. Today XX/XX/XXXX I noticed the account still open and a charge XX/XX/XXXX for XXXX minimum interest, XX/XX/XXXX XXXX late fee and XX/XX/XXXX XXXX minimum interest charges. I called and was told the account was not closed and the person offered to refund the fees ONLY if I left the account open./ He also could not guarantee I would not get fees next month even with the account closure and the fees gone. He said I would still have a balance next month. I asked to speak to a manager and I was put on a silent hold for 40 minutes until the call disconnected. I called the fraud department who refused to open a case to investigate but said they would credit the {$6.00}. No resolution- according to the fees I will never have a XXXX balance. They are shady and dishonest.
Company Response:
State: CA
Zip: 95358
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 01 COMENITY BANK VICTORIA S SECRE ) XXXX ... XXXX XXXX XXXX ... CCB/CHLDPLCE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX , Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, they were unable to provide me with any proof otherwise.
Company Response:
State: NY
Zip: 11563
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
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: I have reported to Comenity Bank / Alliance Data over 2 months ago a dispute in reference to several invalid transaction that Im owed credit by the merchant. I have provided all relevant supporting documents along with a letter from my attorney with Confirmation from Visa USA concerning the time frame set by Visa. Unfortunately, while Comenity has indeed given me a temporary credit on these 3 transactions, they have not resolved these disputes and as reported to me they havent even began the 1st step of permanently recovering these funds. As outlined by my attorney in the documents submitted to Comenity Bank, Per Visa USA, Comenity only has 120 days from the date of the credit documentation to submit a proper dispute. These 120 days run out on XX/XX/XXXX. Comenitys negligence is unacceptable. They have no right or business to sleep on this file for 60 days and do nothing. - this was also reported to Comenity, but at the time, Comenity wrongly assumed they were already credited on XX/XX/XXXX and they did not notice that these credits were reversed the next day on XX/XX/XXXX. several months ago a was finally able to obtain a pledge for credit from the merchant, only to fall pray for Comenity to sleep on the file for a few months and do nothing.
Company Response:
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Not only did i not receive written notice but after contacting the creditor they did not send details about the alleged debt including : - Explanation of what the alleged debt is for - A calculation of this balance, including the complete payment history on this account, so that I have proof that the amount is correct. - Documentation that shows I agreed to pay this debt, including signatures. - The agreement that grants them the authority to collect on this alleged debt. - A copy of their state license, including license number. They are in violation of my rights as outlined within Section 809 of the FAIR DEBT COLLECTION PRACTICES ACT. Please remove the alleged debt from my report.
Company Response:
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a Wayfair Account for the last several years. In the interim, they closed my account without issuing a notice because they are now using a different bank for credit. Since my account was closed without notification, I did not want my credit score to suffer therefor, I made aggressive payments to pay the account off and made a final payment of {$290.00} to Wayfair on XX/XX/XXXX. ( or so I thought ). I recieved a statement in XXXX advising I had a Finance charge. I attempted to get it reversed via email at least twice, however, I had no success and paid {$13.00} on XX/XX/XXXX. Again to attempt to pay the account in full. Today, I received yet another statement from Wayfair stating that I owe another {$15.00}. When I attempted to call, I was prompted by an automatic operator, only to be disconnected after 5 minutes of waiting and attempting to get assistance. I am absolutely livid! This is not a matter of money but rather of principal as I believe this is a scam with bad business practices. I don't want my credit score to suffer, however, the thought of having to give another {$15.00} to this bank makes my skin crawl. I believe these are fraudulent and unfair finance charges and I would like this removed from my account. Please help me.
Company Response:
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I recently paid off my balance on my account. The account has been closed since XX/XX/2021. I paid the balance off on XX/XX/2021. I received a statement in the mail stating I still had a balance. I called comenity bank and they informed me that I paid off my balance to late because I had finance charges that came after for {$2.00}. I havent gotten any letters or emails up until this point. So because of this outstanding {$2.00} finance charge I now owe {$14.00} because of late fees and more finance charges. I called the company and told them that I am willing to pay the {$2.00} that I owed for the original finance charge, but I am not willing to pay the extra finance charges and late fees because I had no idea this was happening. XXXX the supervisor told me that there was nothing that they could do and it is what it is. I dont understand how I can accrue more interest and charges when my account has been closed and I have had no communication from them other than this statement 3 months later.
Company Response:
State: AZ
Zip: 85326
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A