Date Received: 2021-06-30
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 XXXX XXXX. 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. 160 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: 08723
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with non-monetary relief
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: I have certified mailed XXXX more than 3 times now about incorrect data on my credit report. Recently they came back and said the accounts had already been verified. I have asked them twice to show me the verification process. I asked this because I have reached out to each company myself and and they did not validate the debts pursuant to the 15 USC 1692g Sec. 809 ( b ) of FDCPA. I'm asking once again for them to show me the how they validated these debts and do not send me a copy of my name, address, and a contract as proof because that is not a debt validation pursuant 15 USC 1692g Sec 809 ( b ). I want all to see 15 USC 1692g ( a ) Notice of debt ; contents within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of debt ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty day after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I was never sent anything within this 5 day period from any of the companies listed that I had the ability to dispute the debt pursuant 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. So how are you partnering with these debt collectors and violating consumer rights with no valid information. Please re-investigate, if you can not get all of this information from the companies, as I have not been able to, then please remove them immediately from my credit report. These accounts being furnished to my credit report is another violation pursuant 15 USC 1692j ( A ) It is unlawful to design, compile, and furnish any form knowing that such from would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Also, 15 USC 1681b ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave these companies any written consent to report. No consent is identity theft. I have already involved and sent this information to the Attorney Generals ' office, XXXX XXXX XXXX, and Federal Trade Commission. As a consumer these accounts must be deleted immediately, or I will seek maximum monetary damages from each company for each violation in small claims court in my city and state. Pursuant 15 USC 1692k ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) any actual damage sustained by such person as a result of such failure ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; Accounts : XXXX XXXX XXXX XXXX Comenity Bank/Ann Taylor Comenity Bank/Victoria XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a charged off account with Victorias Secret. On XX/XX/2021 I paid the debt in a settlement to Victorias Secret debt collector. My Victorias Secret account shows on my credit report as derogatory instead of paid. I have called and written to Victorias Secret. They will not remove it or state bill has been settled and paid. I have tried disputing it with the credit agencies. Ive paid the debt Im asking that they report it as paid not derogatory.
Company Response:
State: OH
Zip: 45140
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Comenity XXXX XXXX XXXX to XXXX XXXX Credit Card. never published the ending date of my promotional period. Called and emailed them on several occasions and was never given an answer. Received my bill this month with interest charges.
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
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: I returned 3 items of clothing to New York & Company that were charged on the NY & Co credit card through Comenity Bank. They received the merchandise on XX/XX/21. After multiple phone calls they finally processed a refund on XX/XX/21 in the incorrect amount, shorting me {$6.00}. When I called XXXX XX/XX/21 they agreed to issue the refund within 7-10 business days. As of today, XX/XX/21 the refund has still not been issued and I will now have to pay the {$6.00} to avoid a late fee on the credit card account. A call today has not resolved this problem but has only led to more unconfirmed promises that the refund will be issued in ANOTHER 3-5 business days. I have requested this in writing but they have stated that they have no ability to send me anything in writing. In the meantime I am still owed {$6.00}.
Company Response:
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.
Company Response:
State: AZ
Zip: 85340
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I applied for a credit card with my social security card. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. COMENITYCAPITAL/XXXX and COMENITYCAPITAL/XXXXXXXX inquiry needs to be removed from my consumer credit report because I used a credit card in this transaction, which is illegal.
Company Response:
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for an XXXX XXXX Credit Card. I was asked to provide documentation to verify myself. I provided the documentation as per the letter. I called to confirm receipt of the documentation. I then received a letter that stated they could not confirm my identity. I called to asked about the denial and was given vague if formation on my credit application denail. I asked specifically why the documentation provided was not sufficient and was given another vague explanation that my documentation was no sufficient. I provided my drivers license ( front and back ) social security card and my XXXX XXXX. I then spoke to a XXXX and she stated the address was not on my XXXX after several minutes of review. I located the information and explained where it was on my XXXX. I asked was I able to simply provide a clearer copy. They do not allow you to provide clear copies. This is a horrible business practice and seem to be unfair to the clients. My credit now has a credit inquiry that will lower my credit score for 2 years for an application that was declined for an illegality issue. This is ridiculous.
Company Response:
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Reference Case # XXXX On XX/XX/2021, I called Comenity Capital Bank ( XXXXXXXX XXXX ) to pay my card off. I had received late fees in the past and wanted to get this card taken care of. I spoke with the Customer Service Representative ( CSR ) and informed him that I will pay the balance in full as long as there was no late fees or penalties assessed. At the end of the conversation and prior to me providing payment, the XXXX asserted that I will not have to pay the fee associated with paying over the phone, any late fees, penalties, or interest. In the beginning of XXXX of 2021, I received a statement from XXXX XXXX Comenity Capital Bank stating that I had a balance due on XX/XX/2021. I was assessed {$35.00} for the late fee that I was told I would not have if I paid my balance in full. I was also given a finance fee of {$9.00} for a total of {$44.00}. I sent a message on XX/XX/2021 stating that I filed a complaint with the CFPB and that the CSR I spoke with asserted that I would not have any other fees. I received a message that same day XXXX XX/XX/2021 XXXX from Comenity Capital Bank on their web site stating that my request has been forwarded to the correct department and they thanked me for my patience. I received another statement with a closing date of XX/XX/2021 and a due date of XX/XX/2021 for the amount of {$81.00}. This is due to another {$37.00} in fees. I last spoke with Comenity on XX/XX/2021 and the CSR could not find the recorded conversation I had with the CSR who took my initial payment. Comenity Capital Bank is engaging in unfair business practices by taken advantage of consumers. They are using bait and switch tactics. Lastly, Comenity Capital Bank is willfully and knowingly providing false information so that they may charge fees that are excessive.
Company Response:
State: NM
Zip: 88203
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have received a bill that was created on XX/XX/2021 from XXXX XXXX XXXX for charge off balance : XXXX and a balance of XXXX stating that an account was created with my personal information without my permission and a debt that was not validated by me the original creditor and consumer. It was stated that this information was sent to the litigation department in their company and any information obtained to about me to collect debt will be used for that purpose. I will be mailing a letter to dispute this debt and to demand this company to remove this collection from off all three credit bureaus. Also to cease and desist all communication with me written and orally and sending a affidavit of truth. This company violated list of all the violations under FDCPA with a monetary of {$1000.00} 15 usc 1692c ( a ) 15 usc 1692d ( 1 ) 15 usc 1692e ( 10 ) 15 usc 1692f ( 1 ) and Identity Thief collection my personal info without consent and account made without my knowledge.
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A