Date Received: 2021-07-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I was issued XXXX credit card when I leased a new XXXX 12 years ago. I never applied for this card, EVER, but did accept it once I received it. I had always paid it off monthly and never missed a payment. Due to my husband losing his job of over 10 years by layoff completely unexpectedly in XX/XX/2018, my being XXXX, followed by loss of much income over past 2 years due to pandemic, I incurred much debt by credit as I had to use them for groceries, to pay my mortgage, and other necessities. After 1 year of not paying, I have now been receiving multiple daily calls from the debt collector assigned by XXXX XXXX. They have called and texted ALL of my family members - my mother, my sister, my daughter in college, my ex-husband, and even my ex-mother in law. I asked 3 times to NOT call any family members. Mr. XXXX XXXX advised he would stop and made note of this 3 times as did his manager " XXXX. '' My mother was called and harassed again yesterday with Mr. XXXX telling her I said she would be settling my debt, leaving her in absolute tears. Again, I have spoken with this collector a few times and asked what my options are to settle down amount owed. While waiting for their answer, I tried to find a way to come up with this money. I am filing this complaint as no other debt collector has gone so far as to call, text, and leave voice mails on NUMEROUS occasions with family in order to embarrass me and smear my name. This collector also leaves me multiple messages a week threatening to sue me. Last communication was on XXXX XXXX XXXX. I have attached the ONLY written notification I have EVER received from them. It was by email. Never have I received one piece of mail from collector. I also attached email signature with settlement offer, which doesn't even match name of person/people I have spoken with.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Various accounts on my report are fraudulent. These accounts listed were not opened by me. 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX 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 Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX Account Number : XXXX This is not mine. 12. Identity Theft XXXX Account Number : XXXX This is not mine. 13. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 14. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 17. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 18. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 20. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 22. Identity Theft XXXX Account Number : XXXX This is not mine. 23. Identity Theft XXXX Account Number : XXXX This is not mine. 24. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 25. Identity XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Received a notification from XXXX stating comenitycapital/XXXX, got a copy of my XXXX credit report and i have no known knowledge of applying for anything with or related to this company.
Company Response:
State: AL
Zip: 36608
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail carrier or any person affiliated with the mail service or comes in contact with the envelope thats alleging I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello i have contacted XXXX numerous times have disputed these inquiries several times. They were not done by me and I have no knowledge of these inquiries. COMENITYBANK/WAYFAIRCARD XX/XX/2020 COMENITYCAPITAL/MPRCCXX/XX/2020 COMENITYCAPITAL/MPRCC XX/XX/2020 these items still remain on my report
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
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: XX/XX/2020, I scheduled a XXXX ( XXXX XXXX ) with a Dr in XXXX. When I started the contractual procedure the rep XXXX XXXX XXXX stated she would need a XXXX deposit, and then I would apply for credit to cover the remainder. The credit card company they use is XXXX. I authorized XXXX deposit to be withdrawn from my bank. I then proceeded to apply for credit. I was approved and they took the balance from the card the next day or so. My actual XXXX was not until XX/XX/2020. When it came time for the XXXX, they were requiring me to get additional services. Previously the XXXX center was running a promotion for the exact service XXXX XXXX XXXX XXXX, I asked to have it added to my services, I was told by another rep that they would have my coordinator add it. When I was getting ready to for the trip, I was then told I had to add this service for an additional XXXX dollars. I explained to XXXX that I thought it had been added already. She stated that once your contract is made it can not be changed. I then explained to her that by her requiring this additional procedure that she is changing modifying/changing my contract. She got upset and said that I either have it or don't have the procedure done. I then canceled my procedure due to them amending my contract without prior approval and without proper notification. They then charged CC XXXX deposit. I have disputed it over and over. I feel like I don't owe the deposit, due to contract modification with approval nor timely acknowledgment.
Company Response:
State: CO
Zip: 805XX
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I had gotten behind on my XXXX XXXX Credit card through Commenity bank. I was contacted by them in XXXX and had set up a payment plan of {$20.00} per month until I could get caught up. I later found out that they had changed the payment plan to {$47.00} per month without my permission and then terminated the payment plan and proceeded to charge me outrageous over balance and late fees. When I accessed my account online I learned that not only had they done this but that someone had changed my contact/security number to that of my ex-wife who they would have no way of knowing or reason for contacting since this account was established several months after our final decree of divorce was issued. I changed the number back to mine. Funny thing is that they were able to contact me by phone prior to this time which was the same number I provided as my security number. When I attempted to report the mishandling of the account I was bounced back and forth between departments each time sent back to the payment collections department without any regard for the mishandling of my account or the consequences thereof. When I attempted to speak with someone in the fraud department she told me that no such payment plan of {$20.00} per month was done by them and when she promptly forwarded me to the payment collections department they subsequently offered to start a new payment plan of {$20.00} up to which point I had not mentioned to the woman I was speaking to. They were misrepresenting the facts and to add further insult the woman was gossiping to an associate about my irritated state when she thought that I could not here her and they were laughing. Please help me to remedy this situation. Thank you for your time and consideration in this matter, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 78102
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a call for a family member regarding a debt owed. After explaining to the representative several times that she had the wrong line. She was very unprofessional and insisted that I leave a message for my family member or provide her with an alternative number to contact them directly. I eventually ended the call after asking her repeatedly not to call me.
Company Response:
State: CT
Zip: 06053
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Since at least as of XX/XX/2021, I have been receiving calls at my cell ( XXXX ) from Comentiy Capital Bank for a XXXX XXXX debt owed to them from XXXX XXXX. ( Background : This woman is my father 's ex-wife and they divorced when I was a minor in XXXX and I haven't spoken to her in over 20 yrs ). My voicemail identifies me by my first and last name so the caller will know who they are trying to reach when they get my voicemail. I first received calls from a XXXX and a XXXX area code, as early as XXXX XXXX ( PT ). I have voicemails from them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. By XX/XX/XXXX the calls began to come from a XXXX area code ( primarily XXXX and XXXX ). The calls are increasing and the most recent message, left on XX/XX/XXXX at XXXX ( PT ) by a Mrs. XXXX (? ) from XXXX, used my name in the greeting saying they are trying to reach " XXXX XXXX XXXX ''. This number had previously called me on XX/XX/XXXX at XXXX ( PT ) and also called again on XX/XX/XXXX at XXXX ( PT ). On XX/XX/XXXX at XXXX ( PT ) Mrs. XXXX called again from the XXXX number and I answered and informed her this was not the number of XXXX XXXX , I had been repeatedly called by this number, and to take my number off their list. My understanding is that a creditor may only contact a 3rd party for a debtor 's debt once. I have at least 8 documented attempts of them contacting me for Ms. XXXX 's debt. They have also contacted me before XXXX.
Company Response:
State: OR
Zip: 97035
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: these accounts appear on my credit report, they do not belong to me, please check them. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 3. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 3. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 4. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 5. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A