Date Received: 2021-07-20
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I have a account at Comenity Bank and I have made all my payments on time I have paid ten payments in eight months and I have even paid more than my minimum payment many times. And they have charged me outrageous fees. Late fees and finance charges over two hundred dollars which I refuse to pay. The people I have spoken with are less than professional and they Demand that I am always late with payments. My payments are due the 27th of the month I pay My payments on the first few days of the month every month. They charged me late fees on the first day of the month with my first payment. I have sent messages to them through their secure Message system many many times with no reply. I have sent a written letter to them addresses to the Bank Manager no reply. I am only making my payment of {$100.00} per month until I can find another bank t o finance this loan. I am on a fixed income and have limited money each month. To find financing is difficult because of my income. I have never had this problem in my life with any Bank or any Finance Company because I always pay my bills and on time. I tried to explain to them that my payments are early very early not late, and they said no that I was always late. I wonder if other people are having this same problem with this Bank? I no longer have access to my account there it has timed out and I am unable to access it. Thank You for any help you can offer in this matter. How will you know how to get in touch with me?
Company Response:
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
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: LA
Zip: 70806
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am writing to dispute information that Comenity Bank/Victorias Secret Credit Card supplied to XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX. Retailer account at Comenity Bank/Victorias Secret Credit Card is discriminatory in their unwillingness to grant a goodwill removal for an accidental late payment on an account that was otherwise in satisfactory standing since origination. The account balance was paid in total and automatic payment was enabled to prevent any future delinquency. Additionally, a past due email notification that a payment was due or past due was not provided. After reviewing email correspondence received in this matter, I found that Comenity Bank ceased to provide automated payment due date notifications after XX/XX/XXXX without myself submitting any changes to the delivery notification settings that were previously enabled. I had not missed any payment deadlines in the past. When Comenity Bank attempted to contact me by phone to collect an outstanding payment, all incoming calls from their company were reflected as a spam caller. I've explained that this mishap has occurred at a time where I am applying for mortgage financing and they have been unreasonable in multiple requests for goodwill accommodation. This is in staunch contrast to what I was led to expect from a customer service representative over the phone in this regard. I am requesting that Comenity Bank/Victorias Secret Credit Card have the late payment history removed from all three credit bureaus, which was reported on or around XX/XX/XXXX. Please investigate this matter and delete the disputed item ( s ) as soon as possible, to reflect that my account has been paid as agreed.
Company Response:
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
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: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone is using my social security number on XX/XX/XXXX applying for nunberous credit cards and got approved for one in store card at XXXX XXXX there are numberous address on my credit report that I have never lived at..I have only lived in Ohio at n XXXX address XXXX
Company Response:
State: OH
Zip: 45503
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: 2021-07-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/26 I paid the current balance ( not the statement balance ) on my card. Paid current balance then was charged finance charge on XXXX balance XXXX weeks later. Stating that the current balance is not the actual balance even after paying off and showing a XXXX balance. I received no phone notifications that my account was 30 days late let alone 60 days. I went to pay off the balance of XXXX and called customer service only to be told you can not pick the current balance but the payoff balance but when you try it is not even available and that the actual payoff would be XXXX cents more. Did another payment to include the XXXX cents. Totally XXXX. Gave me address to dispute community bank XXXX XXXX XXXX XXXX Ohio XXXX. When asked she said on XX/XX/XXXX someone called but no message left the. Said she wasnt sure if they contacted me at all maybe just statements in the mail. How can they charge n XXXX then apply min interest fees etc without notification that your account is past due? No emails calls nothing.
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Comenity Bank violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave Comenity Bank any written consent to report anything on my consumer report. No consent is Identity Theft. Pursuant to 15 U.S. Code 1681 ( A ) ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.. This law is stating that our consumer reports are our reputation. Under 15 U.S. Code 1681b ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave Comenity Bank any written consent to report anything on my consumer report. No consent is Identity Theft. You reporting something on my report without my consent is negatively impacting my reputation. This is a violation to my rights. Also, the debt listed below is a bad debt, so it is definitely hurting my reputation. Pursuant to 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.. Who is the original creditor? I am, How? When I am given credit I am really receiving something that already belongs to me. Let me explain : my social security card is owned by the SSA, so legally all my debts are the U.S debts. Now, let me get back to explaining how I am the original creditor. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction below. Also, banks cant loan money, it is illegal for banks to loan money. This is why the FDCPA 15 USC 1692 never uses the term borrower. You see how I am the original creditor now? Comenity Bank is showing on my consumer report as the original consumer and this is furnished deceptively. Pursuant to 15 usc 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.. Upon viewing my credit reports Ive noticed the reported account XXXX XXXX XXXX XXXX had a discrepancy in the date last active section. If this is the same account, reported by the same creditor, how are these numbers different? 15 usc 1681e ( b ) states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Why do the accounts listed below have inaccuracies? Isnt this a violation of my rights as a consumer?
Company Response:
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Received a credit card from XXXX XXXX XXXX, 2021, that I or my wife never applied for. Called the company to cancel when I noticed that it was on my credit report during a routine check of the report. Their phone menu has no selection to speak with a customer service rep. Just punched any number to get to a live body. My home phone not listed in their system. Confirmed street address but would not provide last for of SSN as did not want to provide personal information. Told them to provide what was on file and I would confirm. They hung up on me. The card was issued by Comenity Bank but could not find any info on how to contact bank directly. I want this card cancelled.
Company Response:
State: MD
Zip: 21015
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My credit has been in very good standing now for years. I've been keeping up with all my bills and have most of my credit card payments on automatic payment for the month so I don't forget. Unfortunately, there were still one or two that I hadn't signed up with, for this service. One is Comenity Bank the holder of a store credit card. I recently approached this bank after receiving a late fee about a month ago. Apparently, I forgot, after almost a year of paying on time and paid a couple of days late. Actually, I had thought I had been paying for well over a year on time. When I asked for a waiver, they were quick to point out that they had already waived a fee about ten months ago and were not prepared to waive one again. Wow. I told them that I really regret to hear that during these times, when so many people are in hardship ( we actually have our mortgage on deferral for over one year right now ) that this bank will not waive another late fee. I have since set up automatic payments. They can see this. Since this is a decision that this bank is remaining strong on, then I want to close this account. All it is, is an account that has got me into debt. High interest rates, now late fees, slow returns where I can not even keep up on what I returned and if I got the proper credit. I told them that if this fee is not waived I am going to have to close my account for a combination of the above mentioned reasons. Apparently they could care less and even told me how to close the account! Wow. Unbelievable. Even with what happened. A major Pandemic. People really struggling, still, well over a year later and they say no. Shame on this bank. Shame on them. I want this noted.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: In XXXX of XXXX, I signed a contract with XXXX XXXX for payment of my granddaughter to attend XXXX XXXX XXXX in XXXX XXXX, Florida. Comity Capital Bank ( Acct. No : XXXX ) was the servicing agent for XXXX XXXX. Due to Covid-19, XXXX XXXX XXXX in XXXX XXXX closed their doors. In addition, my granddaughter moved away and could no longer attend XXXX XXXX XXXX. In or about XXXX of XXXX, I contacted XXXX XXXX XXXX in XXXX XXXX and advised them that my granddaughter had moved and will no longer be attending XXXX XXXX XXXX at any location. As a result, the contracts with XXXX XXXX XXXX and XXXX XXXX was terminated. On XX/XX/XXXX, Comity Capital Bank advised me that I am responsible for the balance due on the loan of {$4800.00} XXXX {$7500.00} - XXXX credit ). This amount is incorrect and did not take into account the monthly payments that I had been making since XXXX of XXXX. In addition, because of Covid-19 and XXXX XXXX XXXX 's failure to timely resolve this matter, Comenity Capital Bank has improperly been charging me late fees of $ XXXX. I have attempted to resolve this matter with Comity Capital Bank ; however, they refuse to correct the problem. Instead, the bank is reporting me delinquent on a monthly basis with the three credit reporting agencies for the sole purpose of destroying my credit. As a result of the banks actions, my credit rating has dropped over XXXX points in the last seven months!
Company Response:
State: FL
Zip: 33406
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A