Date Received: 2021-07-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have these accounts that does not belong to me and i want them to be remove from my credit report. XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine. XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX 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 Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2021, I received a notification through XXXX XXXX ( I use them for credit monitoring ) that there was a new hard inquiry on my XXXX credit report under " Comenitybank/XXXX '' dated XX/XX/2021, however I made no such inquiry. I'm not sure if this information is applicable or useful, but I would like to mention that shortly before ( less than an hour earlier ) I received the notification on the new inquiry, I made a purchase in person at a XXXX XXXX location. I have the receipt for my purchase available if this information is deemed relevant to the investigation. I ran additional reports with both XXXX and XXXX, however this inquiry did not show up, and still does not appear on XXXX as of XX/XX/2021. I immediately reached out to customer service at Comenity who stated that there was no such inquiry on file in their system under either my full name or XXXX. With this information, I filed a dispute with XXXX directly on XX/XX/2021 only to receive information on XX/XX/2021 that the inquiry was factual and would remain on my report. I called Comenity customer service again ( I spoke with agent XXXX in the Fraud Department at XXXX on XX/XX/2021 ) to immediately verify that the inquiry was on file, and they again reported that no such inquiry existed. I also asked if any documentation could be provided stating that there was no such inquiry, but unfortunately they were unable to do so at this time. With that information, I contacted XXXX by phone around XXXX on XX/XX/2021, and representative XXXX verified that the dispute was processed as factual for the inquiry named Comenity/XXXX dated XX/XX/2021. She directed me to file a report with the FTC for potential fraud to work towards a resolution. I appreciate all of the help both respective teams have provided thus far, and hopefully my account of the situation can move things in the proper direction.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX is reporting a late for XX/XX/19 and I ask that they please remove this. I have had an account with you guys for a very long time and I have never been late before and have not been late since. During this time, I did have a family emergency and unfortunately failed to make my payment on time but did pay as soon as I could. I ask that they please remove the late as a one time goodwill adjustment as I have been a very loyal customer. I am in the process of wanting to buy a home and getting this removed would be a great help.
Company Response:
State: UT
Zip: 84074
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
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/2020. 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. 250 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: NJ
Zip: 07110
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Comenity Capital Bank is trying to ruin my life by tanking my credit score. My daughter needed XXXX to fix her XXXX so I apply for credit. The payments where {$140.00} a month. I am retired on a fix budget Covid reduce my chances of making extra money. I applied for a program that would reduce my payment to {$63.00} dollars. I am current with this plan and have paid all back money owed. My credit score was XXXX now it's XXXX. Nobody will lend me the money for a new home. I am stuck in the desert with temps over 110 %. The way Comenity Capital Bank manipulated my credit usage and late payments has destroyed my chances of a decent life. I feel they unfairly charged me more than necessary based on my ability to pay.
Company Response:
State: CA
Zip: 92311
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have multiple credit cards via comenity bank. Today specifically I had issues with XXXX and Victorias Secret. I knew my payment was due today, XX/XX/XXXX. Im out of town and forgot my date book but knew the payment was due by XXXX. I had someone get my password and logged in at XXXX to make the payments. I was unable to pay today. The only payment option was tomorrow-which is late. I get electronic statements and dont recall being informed of this time change. The reason I was aware of XXXX is because I logged in to make a payment before and was considered late even though I was paying on the due date. That time I sucked it up but this is ridiculous. My car loan, mortgage, major credit cards dont engage in this ridiculous practice.
Company Response:
State: MI
Zip: 48176
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company is stating that I owe them a debt which I don't and reporting my personal information to the consumer reporting agencies without my consent. They are violating my consumer protection laws and I am very upset. Pursuant to 18 USC 8 after 1933, the government agreed to assume ALL liabilities that arise under transactions using the credit card which is my social security card. Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. ( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt. I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.
Company Response:
State: GA
Zip: 30141
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
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. 60 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: 11429
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Charges made for products not received.
Company Response:
State: MO
Zip: 648XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had made purchases at Victorias Secret online for my daughter for bathing suits. I set up a payment but then she decided to return some. I think that when the return hit the system, it cancelled out my payment. They went two months without contacting me via phone or email stating my account was going to be past due or delinquent or anything UNTIL they reported it to the credit companies as 30 or more days late. They never once tried to call or contact me at all until after it was reported to the credit bureau. This is not ok, not in compliance with the fair credit rules and has dropped my score 53 points. I have never been late on payments for this card or any other and you can check my scores to see that. I want the 30 days late taken off my credit reports, all three reports need corrected. This was glitch with a refund cancelling out my payment.
Company Response:
State: OH
Zip: 44646
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A