Date Received: 2021-07-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The Victoria secret credit card was charged off in XXXX and then reappeared as 150+ days late as of XX/XX/XXXX.
Company Response:
State: NJ
Zip: 080XX
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: 2021-07-01
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: a bought something from XXXX that was shorted and damaged. i sent back what was sent to me. i was never refunded the full amount and disputed with comenity bank. this bank failed to do a dispute but decided to keep calling and hounding me for a payment and reported it to my credit bureaus. after many calls with XXXX and the third party seller not responding to emails i finally threatened legal action and got XXXX XXXX. XXXX admitted this shouldn't of went this far and the bank should of never put negative remarks on credit report. XXXX XXXX finally gave a refund but credit score was already hurt. comenity violated the fair credit reporting act and also has failed to reply to emails and 2 certified letters sent to there XXXX ohio offices.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have apply for XXXXXXXX XXXX XXXX for a XXXX, have been paying more than the minimum payment every month, without any late payments. Without any notification I was charged for the full interest rate on the card on XX/XX/20 in the amount of {$3200.00}, interest rate was charged at once NOT on the balance ( {$5900.00} ) but on the total charge when applied for it {$11000.00}. I try to call to negotiate the charge, to explain that I did not receive notification that I was going to be charged for all the interest rate at once. They did not offer any agreement to reduce or remove the interest charge. This credit card is misleading the customers and it is a completely ripoff. My balance on the card went from {$5900.00} to {$9400.00} without notice that the full interest rate was going to be charged at once on the initial charge, not on the balance.
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The card issuer closed my open end credit plan and marked my payments as late.
Company Response:
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had an account with XXXX XXXXXXXX XXXX for a number of years until XX/XX/2020 when the company went bankrupt and started closing their stores. They also closed all customer accounts and then kept changing payment due dates for payments and then charging exorbitant late fees if you didn't meet their ever-changing due dates. I complained to XXXX XXXX about this and then PAID OFF my account even though I made the payment due date at the time ( I paid the account balance online ). It didn't matter because XXXX XXXX kept charging me late fees on my account, closed BY THEM in XX/XX/2020. The company then kept ( and is still doing this ) charging late fees on the late fees and will not stop even though the account has been PAID OFF & CLOSED. And Now XXXX XXXX is Reporting me to credit agencies for non-payment of these fraudulent Late Fees! I am not going to pay any extortion or fraudulent charges such as this- and I want XXXX XXXX sanctioned for this criminal activity because it's illegal to charge late fees on a closed account! And I want the credit agencies notified of XXXX XXXX 's fraudulent activity!
Company Response:
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
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: 11432
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX/KAY Account Number : XXXX This is not mine. 3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
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. 100 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: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My personal identifying information was stolen and I have inaccurate information reporting on my credit that I am not aware of. Please remove these items from my credit report immediately.
Company Response:
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX and the Bureaus are reporting an erroneous late on my credit file. Not only was I having issues making this payment online, I was not getting the help I needed to make this payment processed. It finally processed, but I was not late. I contacted XXXX, once I noticed this late on my credit file and they assured me that I was not late and they were NOT reporting a late on my credit file. But it is still showing. I have been with XXXX for a few years now and they have always been awesome. I know they will do the right thing. This is affecting my financing and it isn't fair to report erroneous information on someone's file.
Company Response:
State: UT
Zip: 84074
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A