Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: review the following accounts that appear on my credit report, they do not belong to me, they are hurting me Identity Theft COMENITYCAPITAL/XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft N/A Account Number : XXXX This is not mine. 4. Identity Theft N/A Account Number : XXXX This is not mine. 5. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We submitted papers for a wire transfer. My husband put his name as the beneficiary when it should have been mine, so my bank charged it back. We immediately fixed the problem and submitted new papers, but now Comenity has locked our account and refuses to release any money. We have called and sent many messages and no one seems to be able to help and they say they have no way to contact anyone higher who may be able to help.
Company Response:
State: IN
Zip: 46516
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: 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: My XXXX credit report shows a charged off amount. It currently shows I owe {$290.00} to ComenityCB/XXXX. I've contacted XXXX, who states I have no balance. I was given to the collections that advised me my account was sent to another agency, but he couldn't tell me who. He transferred me to the number, they are no longer taking calls. He offered to take the payment to remove it from my report. However, would not allow me to mail a check, an would not email me or mail me a statement. Also told me he didn't have the capability to remove it from my credit report. I consolidated my debt with XXXX XXXX and a check was issued to XXXX for the {$290.00}, with the information showing it was cashed. ( I'll attach a copy ) I've disputed this with XXXX 3 times. Can you please help? I really feel I was being taking for a ride. The recovery specialist 's name was XXXX XXXX. His phone is XXXX Ext XXXX. The agency he was transferring me to that doesn't accept calls XXXX, then he tried another one XXXX. XXXX XXXX
Company Response:
State: PA
Zip: 155XX
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I went in to the Victorias Secret store on XX/XX/XXXX. There was a promotion to apply for a VS card and save {$25.00}. I asked the cashier which credit bureau was going to be used because I have a freeze on my credit report and need to call to have it lifted so they would be able to pull my credit report. The cashier said she didnt know and that I should try and if it doesnt go through to call the customer service number. The application stated that it was pending and the cashier gave me the number for customer service. I called the number and explained what was going on. The CSR said that I would receive a letter in the mail with a code that I needed to call and provide to VS. I asked her what would happen since the promotion for the {$25.00} will end on XX/XX/XXXX. She stated that since I applied during the promotional period the {$25.00} will be applied. I received the letter in the mail that I need to lift the credit freeze and reapply for the VS card within 30 days. I called customer service and they are now saying that the {$25.00} off promotion would not be honored and that I would instead be getting todays promotion which is {$15.00}.
Company Response:
State: SC
Zip: 29016
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had an outstanding balance on my XXXX XXXX card and I called to get the total owed so I could pay and close the account. I was given the total amount and I transferred money and had the account closed. The following month I had statement that my debt was paid late and therefore had a late fee of {$35.00} owed. I called them back and said I had called and they gave me the total amount that I owed and paid off. I did not understand where a late fee was coming from. Since then they have been sending statements every month even though the account is closed and tagging an additional {$35.00} late fee. Now they say I owe them {$350.00}. I tried calling them again this morning to try and resolve this but they were adamant and the customer rep will not even let me speak with a supervisor
Company Response:
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with monetary relief
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX : XXXX XXXX XXXX XXXX XXXX 20 % off your first purchase FREE SHIPPING on any order when you use the XXXX 's XXXX XXXX.1 DOUBLE POINTS on every purchase to earn rewards even faster.2 EARN REWARDS get {$10.00} for every 150 points earned.2 HAPPIER BIRTHDAYS with a surprise birthday offer for your child every year.4 SNEAK PEEKS let you shop special sale events early. EXTRA SURPRISES with exclusive bonus points and savings offers for card members It boasts tons of benefits if you deside to use it even once but they wont send you your first bill but then said a late fee notification when you call them them they will say that they have fixed it and convince you to keep the account open then keep sending late fees even when your account is balanced and Paid off Close as soon as possible they will just keep charging you as
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Due to the fact that my Identity was stolen a fraudulent account was opened up with Commenity Bank. I have a police and FTC report in regards to being a victim of identity theft.
Company Response:
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XXXX of XXXX, I paid off my entire account balance of my XXXX XXXX Comenity Bank account. There was a residual interest charge added after that unknown to me. I have never been late on this account and again thought it was paid off. I was in the middle of a move and never received any notification of this very small charge. The first I heard of it was from XXXX when I received notification that my account had fallen 60 days behind and was reported negatively. After all the late fees and interest, the " late '' balance that knocked my very high credit score down XXXX points was only {$48.00}. I disputed it with XXXX, but it was immediately denied by Comenity Bank for removal. There is no phone number available for Comenity Bank to dispute or explain what happened. When I called the card company, they were no help at all and offered me an address to possibly address by snail mail. Again - this account was paid off and in years of having this account has never been late. I don't feel like they are giving me a chance to even make a case or consider these extenuating circumstances. Thank you so much. XXXX XXXX
Company Response:
State: CO
Zip: 80023
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A