Date Received: 2021-06-26
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when reviewing my credit report and found a 30 day late payment reported for XXXX of 2020. I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement didnt reach me.
Company Response:
State: TX
Zip: 75149
Submitted Via: Web
Date Sent: 2021-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/XXXX {$360.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$8300.00} I been reaching out to the credit companies and these Creditors for 5 months. I have also filed a cfpb complaint on XX/XX/XXXX and on XX/XX/XXXX they stated they would respond back within 30 days.They have yet to send me any proof of these original application with a signature so I can figure out who did these accounts in my name.I have also sent them a notazied affidavit about these fraud accounts. The only Creditor who responded was commenity and the sent a letter saying this account was opened around XXXX, XXXX. On my credit report it states this was open in XXXX. This is totally fraud on my credit report.
Company Response:
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I have written a letter informing Zales that I did not apply for their product. My information has been used by this company and reported to the credit reporting service please delete asap
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called XXXX XXXX to pay my bill even though I was expecting a credit from XXXX commenity. The representative must have disputed the account number wrong because they keep reporting my account late even though I made a payment on an account that received a credit for the merchandise through returns we made. Please remove derogatory listings from my credit report immediately, as you are hurting my score.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: they got a credit card with my name and information without my permission and ruined my credit score.
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
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: 936XX
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
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: 93638
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a {$40.00} payment on my Victoria 's Secret card on Friday, XX/XX/XXXX, towards a small purchase made on XX/XX/XXXX. I typically don't get online until around XXXX or XXXX. I got the confirmation screen saying the payment was complete but I didn't write down the number because I've never had issues with making payments to them before and just took it for granted that if the confirmation screen showed up, the payment went through. Well, no confirmation email ever showed but I hadn't used the card since XXXX or something so I couldn't remember if I even had it set to send me email notifications about payments. I always pay my bills on or just after payday ( twice a month ) and I pay the bills based on what is due that pay period. This is when I also balance my checkbook. Since my bank switched to dual factor identification, I now have to get a code texted to me. I get charged fees for texting, so I only balance the account twice a month on paydays when I pay that pay period 's bills. Depending on how each company has their payment system set up, sometimes this means I'm paying the payment on the actual day I'm making the payment, and sometimes it has the date automatically set for the payment due date. I did not change whatever the date was for this card when I made the payment on it. I just take everything out of my checkbook the day XXXX sit down to do my bi-monthly bills so I know everything is taken care of and I can rest easy until next pay period. When it hadn't come out of my account I just figured that I must have the due date wrong in my planner since it had been so long since I'd used it. XXXX is a long time not to use a card and I had a habit of paying in store on the day I'd make purchases back when our local store was still open. Well, I got a bill with a {$28.00} late fee and the statement did not show my XX/XX/XXXX payment ( which would have been on time ). I called the company and the girl on the phone asked if I wanted to dispute it. I said yes because I know I got the confirmation page when I made my payment. I have not had access to my account since XX/XX/XXXX when I made that ill-fated payment. Every time I try to log in I get an error screen. I've tried using different internet browsers, clearing my cache and cookies, etc. Nothing works. They have me completely locked out of my account. I'm not going to lie, it freaks me out. I don't like being denied access to my own information. To me that is weird and suspicious. The only logical reason I can find for why they would need to lock me out of my account and deny me access to my information is because they have something to hide. I could understand certain features being unavailable or something, but not a total lockout. They sent me a letter saying they could find no record of the payment, but I know XXXX well I got the confirmation page after paying. It hasn't come out of the account so obviously the payment didn't go through, but I am really not liking this whole not having any access to my account thing that has been going on since XX/XX/XXXX, or having to pay late fees on something I know I made the payment for. Where the XXXX did my payment information go? They use your checking account information, so basically my whole bank account info, my full name, address, etc are potentially affected. Did their site get hacked and now my information is floating around out there somewhere on the dark web? Are they covering up a massive data breech and trying to profit off of it at the same time? It was a Friday night, so were they working on the site? Did they fail to post a message the the site would be down for maintenance? Did site maintenance interfere with the payment processing? Why have I been locked out of my account for 2 months? What are they trying to hide? I do not feel their payment website is safe, secure, or working appropriately. The only reason I even made a purchase with this card was solely to keep it active. I didn't want the account to close because I have amazing credit and I want to keep it that way. Now, I wish I had cut the XXXX thing up in anger after they closed our local store, let the account close, and taken the " closed due to inactivity '' hit to my credit score. I hate buying those sorts of things online anyway and the nearest stores are 45 minutes or more away.
Company Response:
State: PA
Zip: 17815
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The late payments you have reported to the three credit bureaus. My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Company Response:
State: NY
Zip: 11105
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am a frontline essential worker during the pandemic. I work as a caregiver and was negatively impacted by COVID 19. Worked full time to care for XXXX patients and elders. During the pandemic I lost many of my patients due to COVID resulting in loss of income. I had three late payments posted by Comenity bank resulting in credit score decreases making it even more difficult for me to get back on my feet. I reached out to ask for some relief during this time and they were unable to help me.
Company Response:
State: CA
Zip: 94947
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A