Date Received: 2021-07-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I bought a dog from XXXX in XXXX Texas, it was a promotional and it was 12 months 0 % interest and this was right before Covid 19 hit. So right before it happened I lost my job so I couldn't get unemployment. During this time I was able to find a job at XXXX and make some payments then when I was struggling to put food on the table I find out the banker that petland is XXXX XXXX XXXX and they had a Covid relief program where you could apply and it was 3 months no payments and no interest well I had to apply twice. They added late fees as well as once they second time was up they slapped me with huge charges. My dog went from XXXX to XXXX. So once this happened I went about my day until I could just pay it off. Well now that it's paid off guess what they do. They added a late fee for this month though I don't have a balance. This has docked my credit almost 200+ points. This needs to be looked into deeper.
Company Response:
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone stole my identity and opened many accounts without my permission or authority.
Company Response:
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone stole my identity and opened many accounts without my permission or authority.
Company Response:
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This Wayfair credit card does not have an auto payment option as almost all other credit cards. I have called multiple times regarding this concern, I have auto pay scheduled for all my other credit cards to avoid late payment. Not sure why such basic feature is not available. This credit card account is shut down all of a sudden due to Co- branded relationships ended. Meaning customers can no longer make purchases through Wayfair. But I understood my obligation of continuing making payment. Which I did, but always struggle with the payment system. I started scheduling recurring payment to Wayfair through my banks bill pay feature, since XX/XX/2021. However, Wayfair claimed they have never received any checks from my bank. When I tried to reach out, all they tell me is to dispute by writing. If they can not even receive checks, how do I believe they will receive my letter? Now they have reported late payment to all credit bureaus, I have scheduled all the payments through my bank as an auto payment. But for some reason, they were never received. The broken payment system has played a huge role. I, as a customer of their credit card, simply need a auto payment feature that all other credit cards have. I do not have any late payment in any other cards because they ALL have an auto pay. I have called multiple times, no one was willing to help with anything, even during the covid 19 pandemic, they provided zero support.
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2021-07-16
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: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NY
Zip: 11717
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of XXXX we didn't get it XXXX doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: VA
Zip: 22802
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: I called to see why my balance was XXXX when balance was paid in full and they state that closed my account on XX/XX/XXXX because of credit so why was I approved in XXXX for credit card and then they close it now my credit score has went down because of this. Very unfair I had a balance of XXXX which I paid.
Company Response:
State: CA
Zip: 95240
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: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: On XX/XX/2021, XXXX XXXX XXXX XXXX. added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt Creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and says it's mine. According to the FCRA, XXXX XXXX XXXX XXXX. has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX, {$8300.00} XXXX XXXX XXXX XXXX, {$1700.00} XX/XX/XXXX. XXXX XXXX XXXX, {$0.00} XX/XX/XXXX I have reached out to these creditors and tried to get this worked out.
Company Response:
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A