Date Received: 2021-07-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I closed my XXXXXXXX XXXX account after paying off my wife 's wedding ring. That closure of the account was in XX/XX/2017. In the last 2 years XXXX has constantly been charging my account and telling me I made a purchase of a necklace. This is fraudulent. The account was closed, yet they keep upping the balance every month and destroying the credit that I worked very hard to build. At this point they are reporting {$1900.00} which was not ever used by me as I had closed that account. That have even shown on my credit report that I had been making payments from XXXX on nothing at all.This is also fraud. Each time I dispute this on my credit it gets removed, only for them to do it again. This is ruining my credit day by day and needs to be removed once and for all.
Company Response:
State: AZ
Zip: 85048
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX when Comenity Bank received notification ( from XXXX ) that I had finally been able to afford to pay off two Comenity Bank accounts ( sold to XXXX XXXX ), Comenity took advantage of the notification from XXXX that requested deletion, and reported back a changed status of " charge off '' eventhough they had just been sent proof of PAID accounts for both accounts, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. When I called Comenity, representative stated that " they had to report something '' i.e., instead of honoring/accepting the proof of payment for both Comenity accounts sold to XXXX XXXX, Comenity chose in less than 48 hours of receiving XXXX delete request and proof both accounts were paid, Comenity knowingly and intentionally seized the opportunity to incorrectly report back to XXXX " charge off '' status to XXXX This was deliberate ; when I immediately called Comenity, the gentleman who answered told me they/Comenity had not reported to credit reporting agencies since XXXX, on either account. It was only when XXXX contacted Comenity and notified them that I had paid both debts , XXXX and XXXX XXXX, it was then and only then that the vultures at Comenity reported back to XXXX, an incorrect status of charge off. I think I have this Comenity " hustle '' figured out. Unbenounst to a consumer who is ignorant to predatory companies like Comenity tries to clean up their credit and Comenity learns of money changed hands, like a shark who smells blood, Comenity then uses that paid awareness to hijack accounts into the incorrect status of charge off, creating opportunity for selling more debt, etc. This was completely deliberate and a reaction to paid status notification, because when I called Comenity about the response and change of status to charge off, Comenity phone agent admitted that had not even reported on either of the 2 accounts since XXXX so clearly, it was notification of PAID status to XXXX XXXX that " set off '' this status change ; therefore, there is clearly a reaction/ agenda for Comenity Bank to act upon paid status. Comenity engages in predatory practices and that is why there are over XXXX complaints with XXXX. I also recognize that because XXXX has proof that the debt is paid ( to XXXX XXXX ) and they subsequently removed XXXX XXXX from my credit, they too could of simply removed-deleted the original Comenity Bank negative strikes, XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, but they didn't. This is a consumer scam to collaborate and facilitate money making in this credit industry. I fully expect one other Comenity account to now be sold to XXXX XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I decided to pull my credit report and noticed that I had not only incorrect names and addresses listed but also 3 accounts listed that did not belong to me. These 3 accounts are in derogatory status. I had to file for ID theft in XX/XX/2000 and I believe these accounts may have been opened by the same people. Further, I also had 17 inquiries which do not belong to me. I am not responsible for the above referenced information.
Company Response:
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I received a copy of my credit report and found the following item to be errors Here as follows are items in error : 1. The late payment from XX/XX/XXXX is inaccurate CBXXXX I sent out a letter on XX/XX/XXXX and still have not gotten a response it has been over 30 days. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Company Response:
State: NJ
Zip: 08861
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX XXXX XXXX credit card you have to make the payment before XXXX XXXX they doing that to charge late payment on top of that after you have you balances in XXXX they still charging you with interest no matter if your balance it XXXX they charge interest. I have proof they abuse let me know thanks email me with details please XXXX XXXX
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am trying to request some statements and credit card agreement from XXXX XXXX ( Comenity Bank ). However, I am told that they are unable to mail me my credit card agreement because they are no longer my lender. I've tried requesting twice via phone on XX/XX/2021. I made a call at XXXX and I tried again at XXXX. According to CFPB, " By law, the issuer must make your agreement available to you upon request. If you are having trouble getting your agreement, let us know by submitting a complaint. '' For this reason, I am submitting a complaint.
Company Response:
State: CA
Zip: 90807
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I opened a XXXXXXXX XXXX credit card with Comenity Bank earlier this year and totally paid off the balance of {$130.00} on XX/XX/XXXX with a {$250.00} credit line available. With this card you can purchase items from several other companies and charge to this one card-shoes, bathing suits, furniture and other brand clothes. On XX/XX/XXXX I called to place an order with items from different places such as XXXX XXXX, XXXX XXXX and XXXX XXXX and XXXX XXXX. I wanted these items to go to the XXXX to my sons wedding before XX/XX/XXXX too. I was told I could not charge to my XXXXXXXX XXXX card and had to open a new card and I did for a total of {$170.00}. On XX/XX/XXXX I was checking on order status and nothing had been mailed out and there were estimated delivery dates of 4-6 weeks mid XXXX-after the wedding! I called to completely cancel the whole order since it hadnt been processed and wasnt going to arrive on time. The customer service representative said I could not cancel it and they could not stop the order that had not been processed! However-IF I would open a NEW credit card under XXXX XXXX name-still with Comenity as were XXXXXXXX XXXX and XXXX XXXX-he could get me the order cheaper with express delivery! This would only work for opening a new card and not using the one with credit on it XXXXXXXX XXXX! So I opened another Comenity card-3rd one this year and 2nd one in 5 days XXXX XXXX!! Order total was {$140.00} and arrived XX/XX/XXXX before I left! I had 2 returns = {$32.00} including tax so I should owe XXXX XXXX credit card {$110.00} to pay off this balance. HOWEVER Comenity decided to charge my XXXXXXXX XXXX card on XX/XX/XXXX a total of {$140.00} with fees and interest! I have called about 10 times, been on hold for over 20 minutes and disconnected and disregarded EVERY time I called to correct this! I was told it doesnt matter what card and I said it matters that you charged my card a day after I opened the new card with the items! Also the upsales is ridiculous and the dings on my credit was unnecessary! Im elderly and feel taken advantage of by their deceptive and predatory sales! And calling for help is truly asking to be abused and treated with rudeness! They never let me talk to a supervisor and would keep switching me to another department-ordering department was in charge of my billing error at Comenity?! I kept notes of each phone call, hold time and ridiculous comments they said to me. They really have NO way to resolve any matters of financial issues and should be fined! Technically they put fraudulent charges on my credit card that I didnt authorize! The XXXX XXXX order finally arrived XXXX and I mailed it right back to them for a full refund is SUPPOSED TO BE DUE TO ME! So exactly WHY did I open THAT credit card-so someone can get a commission?? Exploiting the elderly for what-to decrease my credit????
Company Response:
State: FL
Zip: 34608
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
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: NY
Zip: 11419
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2021 I made a payment of XXXX dollars due on XX/XX/2021. On XX/XX/2021 I made a payment of XXXX for a XX/XX/XXXX due date. I was charged a late fee for XXXX. I've been trying to rebuild my credit and was really paying attention to what's going on. I contacted commenity bank in regards to this and they said they will not dismiss the charge and are reporting it as late to the credit reporting agencies. I need help.
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have attempted to contact this collection agency on numerous of occasions asking them to verify information relating to a debt that they say I owe. I ask for validation within 15 dates of my request to only have XXXX XXXX to send an email saying the account has been updated but none of the information I requested has been verified. I need validation of date of service and original owner of per said debt.
Company Response:
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A