Date Received: 2021-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form 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 XXXX Account Number : XXXX This is not mine. 2. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine
Company Response:
State: DE
Zip: 19904
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I recently was in the hospital and missed a payment to XXXX. When the next bill arrived I saw I had been charged a {$40.00} late fee. I realized I had missed the payment and because the fee was so high, I paid the entire amount owed on the credit card.. The current months bill arrived and it said I owed {$48.00}. I was shocked because I had paid the card off the month before so I called Comenity Bank which handles XXXX store charge. They charged me another {$40.00} late fee, and a {$2.00} service fee because they said I had not paid {$13.00} from the month before. I had paid the entire amount the month before because I did not want to do business with them any longer after receiving a {$40.00} late fee. I have paid the entire bill again and have requested that the account be closed. I was curious to see if this had happened to anyone else and to my surprise, found there are numerous complaints against Comenity for holding payments until after the due date. Is there any way this can be investigated? I am tired of being taken advantage of.
Company Response:
State: NY
Zip: 144XX
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: 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 on XX/XX/2021. 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. The card that was used was my social security card. It was reported to the credit bureaus as well. They needed my social security card for the application and gave me an inquiry. Its against the law.
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: 2021-06-28
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: In XX/XX/XXXX, I signed up with an XXXXXXXX XXXX XXXX to finance my XXXX XXXXXXXX for two years. The beginning balance {$6400.00}. I made consistent payments and had {$1400.00} remaining balance as of XX/XX/XXXX. Due to Covid, I lost my previous job and took a new job that pays a lot less. After reviewing my XX/XX/XXXX statement, I saw that my balance went up to {$3900.00}. The promotional deadline was different than my statement deadline, which is the end of the month. I was charged {$2400.00} in accrued interest after XX/XX/XXXX. I paid off my original balance of {$1400.00} on XX/XX/XXXX. It was my understanding that the interest was going to be of the remaining balance, not the original balance of {$6400.00}. This was my understanding based off what the credit card sales representative originally explained to me before I signed up for the promotion in XXXX. I was charged approximately 29 % interest of {$6400.00} on XX/XX/XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX and explained my situation. The first customer representative claimed that I had no interest charged to my account but could not clearly explain where the additional {$2400.00} came from. I expressed my financial hardship due to the coronavirus and what the original credit card representative told me. He told me that I was receiving a credit of an unintelligible amount and that it will be reflected on my XX/XX/XXXX statement. I was skeptical so I called again for a different representative. Again, I explained my situation on how the pandemic severely diminished my salary and I struggled to pay but eventually paid off my original balance on XX/XX/XXXX. The representative told me that they could not do anything about the additional {$2400.00}. I asked if there was any covid-related assistance and she told me no because of the contract. I then expressed that the contract was confusing and that being charged almost 29 % of {$6400.00} was unconscionable and not my initial understanding as explained by the credit card representative who recommended the plan to me in XXXX. He explained to me that interest would be of the remaining balance -- not the original balance. Had he clearly expressed that it the interest was based on the original balance, I would had made payments differently. It is highly immoral for the credit card sales representative to make a false representation of the interest scheme, which I relied on.
Company Response:
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/2021 I paid off my entire account balance with Lane Bryant Comeninty Bank. The billing cycle for the month ends on XX/XX/XXXX. I was charged interest on a zero balance account. Then on XXXX XXXX I was sent a letter stating they were reducing my account balance to {$400.00} from {$1000.00} claiming that my credit scores had dropped significantly. However, I know this to be a lie as I paid off {$6500.00} in credit card debt in XXXX and my credit scores, across all three bureaus, increased higher than when I was first granted credit with Comeninty and higher than when Comeninty raised by credit limit from {$300.00} to {$1000.00}. This is not the first time that Comeninty has penalized me for paying off my balance. The same thing happened when they used to have the XXXX credit card. Please do something about this practice. Consumers are supposed to pay off their debts yet when we do, we are being punished by being lied to and charged interest on XXXX balance accounts.
Company Response:
State: OH
Zip: 45424
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I made a purchase XX/XX/XXXX and did not receive a billing statement ( by mail or email ). I was told that I was enrolled in eBilling but I dont receive the bill. XXXX XX/XX/XXXX I made a purchase and after again not receiving a bill and XXXX coming to an end, I called over the weekend and the automated system said that a bill was mailed on XX/XX/XXXX a payment due XX/XX/XXXX. XX/XX/XXXX Comenity increased my min payment due by {$7.00} without notice and my account was set up with bill pay through my bank because at the time Comenity did not allow auto-pay. Because of the lack of notice I was charged late fees for being {$5.00} short on my payment. The website constantly experiencing issues and statement archives are not available as stated. Comenity is constantly changing its terms without notice ( and making false claims that it did without any evidence of notice ), and and not sending statements. Comenity unethical practices lead to increased fees to its customers.
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I checked my report and saw that Victoria secret card with comenity is reporting late. I never used the card as I was in jail since XX/XX/2020. I was just released last week. I am Reporting fraud. My wallet and belongings were stolen from my home while I was incarcerated. Account XXXX
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked both my XXXX and XXXX reports and noticed a significant decline in my fico. I checked the details to see a comenity bank / Victoria secret account that does not belong to me reporting late. That account is not mine and I have no responsibility for it. The account owner, XXXX XXXX, removed me as authorized user in XXXX. He has been incarcerated since XX/XX/XXXX and the card is being used fraudulently by other individuals.
Company Response:
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Violation of 15 U.S. Code 1637 Violation of 12 U.S. Code 1431 ( a ) Violation of 15 U.S. Code 1691 THEY ARE DENYING CREDIT BY FREEZING ACCOUNT.
Company Response:
State: MA
Zip: 01845
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hi ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A