Date Received: 2021-07-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the following accounts appearing on my credit report do not belong to me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX Account Number : XXXX This is not mine. 5. Identity Theft CCB/FOREVR21 Account Number : XXXX This is not mine. 6. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. Identity Theft XXXX Account Number : XXXX This is not mine. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. Identity Theft CCB/FOREVR21 Account Number : XXXX This is not mine. 8. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 105XX
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: Well, this complaint is about Comenity Capital Bank. I applied and was approved for a {$2500.00} limit on a new XXXX card. When I received the card in the mail, I realized it was NOT the Visa but the just regular card. I call and request that the card be converted. They inform me they can not do that, and I will have to cancel the card and reapply. I reapply and guess what? DENIED. There reason : " to many inquires '' So, I think that is very unprofessional, and I was not expecting anything, I just wanted them to do what they said they where going to do, and give me the VISA card.
Company Response:
State: MT
Zip: 594XX
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2021-07-28
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/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: 08080
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/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: 10461
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
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 dog was purchased from XXXX on or about XX/XX/2020. After taking the dog to the veterinarian as required by XXXX it was discovered that the dog was sold with a KNOWN congenital defect without any disclosure to us. We were told to return the dog immediately. We contacted XXXX several times without a response in addition to the insurance warranty company supplied by XXXX again to no avail. Multiple emails, phone calls and letters written and all of these have been submitted to MO Attorney General and the XXXX. However, to date XXXX has refused to respond. Contacted Comenity in regards to this from the beginning for fraudulent charges due to product not received as promised. Still to no avail. Contacted the sales representative directly by text message and she reported she would refund the money to the card and a receipt was provided to Comenity. However, to date they refused to credit the account! Something needs to be done to XXXX as after investigating this problem occurs numerous times over and over across the country which is disgusting. The response from the MO ATTORNEY General was that this company always fails to respond- ok why isnt something being done! I have many credit cards with Comenity and have made other larger purchases from XXXX in the past and paid my bill - however I refuse to pay for a service that was not provided and its not ethical to sell an animal with a known congenital defect. The veterinarian wrote a letter in regards since he did the original intake assessment in XX/XX/2020 and yet they still sold the dog to us XX/XX/2020!! I have provided all this documentation to Comenity, XXXX, XXXX Mo attorney general and the warranty company.
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2021-06-30
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 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: 95661
Submitted Via: Web
Date Sent: 2021-08-02
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 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: 95661
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
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 Account Number : XXXX This is not mine. 2. Identity Theft COMENITY BANKXXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft COMENITY BANK/XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft COMENITY BANK/XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft COMENITY BANK/XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX. Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$4100.00} Reason : Identity theft Please remove it from my credit report. Account Name : CB/WAYFAIR Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$3300.00} Reason : Identity theft Please remove it from my credit report. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$4900.00} Reason : Identity theft Please remove it from my credit report. Account Name : XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$1600.00} Reason : Identity theft Please remove it from my credit report.
Company Response:
State: MI
Zip: 48503
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A