Date Received: 2021-07-05
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. 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: 90250
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
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 recently during the pandemic fell behind on my payments due to financial hardship and the fact I just had a baby. Prior to my initial missed payments I had a good payment history and even after the missed payments I keep up with payments. The payment that was missed on XXXX of XXXX were only due to a real natural hardship and the pandemic that took place and I beg that you forgive them being that I have good track record and promise it will not happen again. The missed payments are also affecting my ability to obtain more credit and is hurting my financial reputation.
Company Response:
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have a Credit Card VS backed by Comenity Online bank. This card had 1 late payment 3years ago. I need them to remove the negative mark and stop sabotaging my score. I have written to them and they feel it's fair to keep this on my report. What can I do about this. XXXX XXXX.
Company Response:
State: CT
Zip: 06095
Submitted Via: Web
Date Sent: 2021-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX, I was pregnant and was put on bedrest due to being XXXX XXXX XXXX. My payments failed behind due to lack of work with my XXXX. I had my son in XX/XX/XXXX. I called in XX/XX/XXXX to get my account back in good standing. So I only had late payments from XX/XX/XXXX - XX/XX/XXXX. I went back to work in XX/XX/XXXX but then XXXX hit in XXXX of XXXX and I still made payments on time during Covid. I was making on time payments and using the card after XX/XX/XXXX. I tried to use my card in XXXX of XXXX and the card was declined. I didn't know my account was closed in XX/XX/XXXX. Since then the company has been reporting my account with current late payments. I have called and asked why was my account close and the only thing I received was a copy of my credit score. The letter did not tell me why my account was closed. This company is affecting my credit report with these late payments. I have asked to speak with a supervisor and they said they can not put a supervisor or manager on the phone. I spoke with a rep on XX/XX/XXXX and she stated if I made a payment the account would be reopen and the account is still closed. I can not access my account or do anything. Why is the company reporting recent late payments on a card that has been charged off? Its bad enough people have to deal with the issues with Covid19 and then the company is making your credit look bad by reporting inaccurate information. Company : Comenity Capital Bank/My Children 's Place Credit Card XXXX XXXX XXXX XXXX, OH XXXX
Company Response:
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2021-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Since XX/XX/2021 I had been receiving calls from a restricted number and in XXXX XXXX I decided to answer. They said they were with Commenity. I told them to stop contacting me and yet since then until today XX/XX/2021 they continue to contact me from a restricted number. Today XX/XX/2021, they called around XXXX and told the representative to not call me again. An hour later I received another restricted call and it was Commenity. I also told that representative that I talked to someone an hour ago and if I was called again from a restricted number that I would file a report and ended the call. I have attached screen shots of my call history for the restricted calls.
Company Response:
State: TX
Zip: 75020
Submitted Via: Web
Date Sent: 2021-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XXXX of 2021 I opened a XXXX XXXXXXXX XXXX XXXX with Comenity bank. They advertised a {$50.00} store code and a {$75.00} free game code after I made a {$500.00} purchase. It's been three months and I've contacted the company with phone twice and email twice. They refuse to do anything. They say they can not help me and I should contact XXXX. I've been trying to contact XXXX directly for over a week and there is no answer from the phone number given. Comenity bank is using fraud by offering a reward and then not honoring it. I opened this card because they promised {$120.00} in free game codes.
Company Response:
State: MN
Zip: 56301
Submitted Via: Web
Date Sent: 2021-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Comenity/Wayfair at XXXX XXXX XXXX XXXX OH XXXX has been reporting a charge off in the amount {$5700.00} on my credit report. charge off has been reported as past due balance. I have never done any business with this company. This company does not have a contract with my signature.
Company Response:
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2021-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards of the incorrect items on my credit report. It has been well over thirty days and I haven't received any investigation results.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2021-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-04
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Consumer Financial Protection Bureau XXXX XXXX. No. XXXX XXXX Please reference the number above. This complaint is not resolved. The approved police number with Sac. Sheriff is XXXX. See attached statement I received. It does not list the transactions for the {$67.00}. Again, I did not apply for a XXXX, XXXX, and XXXX XXXX card. I never activated it. I never used it. When I called Comenity Bank, they were unprofessional and honestly a bit flustered. They said the card was used at XXXX 's XXXX Supplies and XXXX XXXX XXXX gas ). I have only been to XXXX 's XXXX XXXX ONE TIME and I used a different card there! I should not have to pay this balance! When the card arrived, I called Comenity Bank to report the fraud. I made a police report. I contacted the Attorney General who advised me to do CFPB complaint. This needs to be reopened for an investigation, it's ridiculous! This affects my credit score!
Company Response:
State: CA
Zip: 95864
Submitted Via: Web
Date Sent: 2021-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-04
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Comenity bank consistently calls and begins discussing past due accounts without verifying who they are speaking to. They also do not identify themselves at the onset of the call
Company Response:
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2021-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A