Date Received: 2021-07-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I did not have a previous balance from a prior month, but I was still charged interest for purchases that I made, despite the fact that my bill was paid in full by the due date and prior to the statement closing date.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: ComenityXXXXXXXX account was opens fraudulently in my name. I do not know nothing about this account. I used to work at XXXX but managers open this account without my knowledge to make sales in order not to lose their jobs. I will be filing a lawsuit in small claims court for fraud. This account been on my report for years without my knowledge and I just recently seen it on my credit report on XXXX, XXXX and XXXX.
Company Response:
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
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: On XXXX of XXXX I had locked my XXXX XXXX XXXX. In XXXX of XXXX they made an unauthorized charge to my card. I wrote a letter. In XXXX of XXXX they made another unauthorized charge. In XXXX they added interest so I wrote another letter. After that I called, the guy said he took care of it, so I closed my account. Now they keep adding interest.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Contacted company I have a membership with as well as the creditor who sent a debt collection of {$310.00} on a credit card fraudulently opened or was due to identify theft. I never opened a credit card with BJs Wholesale the only card I ever opened with them was a Military Member ID. Neither BJs or Comenity Bank can provide me information in regards to the credit card I never applied or authorized and I have no information on my account through BJs Wholesale
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
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: MD
Zip: 20706
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have recieved 22 phone calls from Comenity Bank ( XXXX ) in the last 5 days. All from different numbers or from blocked numbers. I have asked them repeatedly to stop calling as I pay my bills online. This is a very big issue because this company does not respect work hours. I have informed them if they absolutely need to call me, that they can not call me before XXXX during the week. They have refused to listen and continue to call me during my work hours.
Company Response:
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX Date of inquiry : XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XXXX This is not mine. 3. Identity Theft XXXX Date of inquiry : XXXX1 This is not mine. 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine. 5. Identity Theft XXXX Date of inquiry : XXXX This is not mine. 6. Identity Theft 01 COMENITY CAPITAL BANK Account Number : XXXX This is not mine. 7. Identity Theft 01 COMENITY CAPITAL BANK Account Number : XXXX This is not mine. 8. Identity Theft XXXX Date of inquiry : XXXX This is not mine. 9. Identity Theft COMENITYCBXXXX XXXX Date of inquiry : XXXX This is not mine. 10. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine. 11. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine. 12. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine. 13. Identity Theft XXXX Date of inquiry : XXXX This is not mine. 14. Identity Theft XXXX Account Number : XXXX This is not mine. 15. Identity Theft XXXX Account Number : XXXX This is not mine. 16. Identity Theft XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never gave authorization to be added to this account, please remove me as an Authorized User and remove it from my credit report
Company Response:
State: TX
Zip: 78045
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
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 have two Woman Within Credit Cards and one XXXX credit card with Comenity bank. I went onto a hardship payment plan in XX/XX/XXXX not missing one payment and paid all three credit cards off in XX/XX/XXXX. My credit reports have me late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even with paying the balances off in full!!
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Victoria secret refuses to accurately update my credit report. My debt with them was settled through XXXX XXXX XXXX and legally paid for less than the amount. My credit report status does not reflect that. It shows derogatory and charged off for the full amount. All other creditors who settled reflect paid but settled for less than owed.
Company Response:
State: IL
Zip: 60563
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A