Date Received: 2021-06-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This issue is the account for the purchase of {$15.00} on XX/XX/2019. The purchase was misleading and threatening. The check-out lady told me if I APPLIED a credit card, I will get a discount. She did not explain in detail, I was being charged with this card and I need to pay it off later. Even, I remembered, I swiped my debit card when I checked out. This is my 1st credit card I ever applied, and the fault was with Forever 21, I did not even know I was being charged or put into a credit card loan. Also, the charge was ridiculously more than triple with interest after a couple of months. I still remember, it was XXXX of the purchase and after couple months, I paid more than XXXX dollars at the Forever 21 's XXXX CA store after a month, and then another more than XXXX plus dollars I paid after another month or so at Forever 21 XXXX store again, saying I paid in short. When I think back, it is absolutely a fraud or robbing, plus threatening. Forever 21 's credit card company : Comenity Capital Bank, is using Fico Score system to threatened and charged high interest money making system for themselves. When if you owed them a little money, they will try to double or triple, and at the same time report to credit bureau to ruin your Fico Score. OR, they should held responsible to my credit score and life, for any of my future home and car financing with higher interest rate.
Company Response:
State: CA
Zip: 92606
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have now submitted all necessary documents including new evidence via mail and now electronically here in connection to Identity Theft on this account reporting on my credit file. I have been professionally advised by my legal team that given this new evidence of the crime this is in blatant violation of FCRA law specifically section 605B of the FCRA. I have hired a private investigative team and legal counsel and have been supplied us with new evidence regarding this crime including fraudulent addresses and suspect information that I have since updated on official legal documents in connection to this crime, including updated FTC Identity Theft report. Please note that I've had to have new GOV Identification issued due to the compromised identity and have been advised professional that due to the crime I have legal binding rights to pursue this to the fullest extent possible. Additionally, I'm awaiting further action and evidence to pursue this as long as needed until rectified. The time, damages and monetary loss are being added up and will be all added in connection to this crime. Please update your records and stop reporting inaccurate information about a credit file that is not mine. I'm requesting that the following fraudulent items in connection to Identity Theft are removed immediately from my credit file pending further legal action : FRAUDULENT | IDENTITY THEFT | REMOVE FROM CREDIT FILE : 1. ADS/COMENITY/XXXX VISA | COMENITY CAPITAL | XXXX XXXX Balance : {$4200.00} 2. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Company Response:
State: TX
Zip: 75080
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I got this accounts that are notmine and i want them to be remove from the 3 credit reporting agencies. 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11378
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
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: I attempted multiple times to pay off a balance on my Childrens Place credit card via phone BEFORE I was turned into the credit bureau as delinquent. I had lost my statement during a move and did not know my account number to be able to login and pay online. I called in and explained the situation multiple times and attempted to pay it off over the phone. However, they would not give me my account number so that I could pay online and said my only option was to give them my checking account info or debit card info via phone to make the payment or wait for the next statement to come in the mail. I wasnt comfortable giving my checking account info over the phone. I was told by multiple employees, during multiple phone callswhere I attempted to pay it offthat, in that case, my only option was to wait for the next statement and there would be no repercussions as long as I made a payment before XX/XX/XXXX. They said I should receive my statement on Monday, XX/XX/XXXX and I agreed I would get my account number off of it and pay online immediately. Next thing I know, XX/XX/XXXX I get an alert that I have been reported as delinquent and my credit score dropped 120 points after long-time excellent credit history. I tried to dispute with XXXX and Childrens Place, neither have resolved the issue and cleared this false report from my credit report. According to the FAIR CREDIT REPORTING ACT and the FAIR AND ACCURATE CREDIT TRANSACTIONS ACT, this is an injustice and I was wrongfully reported due to false information given from employees. I was given false information that there would be no repercussions if I waited until the next statement, to pay. They would not give me my account number so that I could pay online, where I felt comfortable to give my personal checking information through a secure website. I attempted to pay multiple times and was reassured by every single employee from both Childrens Place and Comenity Bank that I spoke with on multiple occasions that everything would be fine as long as I paid once the next statement came, before XX/XX/XXXX. Had I known my account was being reported as delinquent and they were giving false information, I would have, reluctantly, given my checking info via phone as a last resort. I take my credit score and credit history very seriously, as you can tell when you review my history of on time payments and excellent score. Previously excellent, before this incident. The next statement arrived on Monday, XX/XX/XXXX, just as the employees stated it would and I paid the balance off in full just as I stated I would. According to federal law, FCRA and amended XXXX, this is an injustice and should be made right. Comenity Bank and Childrens Place should be held accountable and they should correct this matter. I attempted to dispute through XXXX and all they did was add a statement to the delinquent account, but the delinquent account remains and my score remains impacted. I attempted to resolve with Childrens Place and Comenity Bank spoke with a supervisor and was told they apologize for the miscommunication but they have no control over the mistake and no one in the entirety of either company can address anything that has to do with reporting accounts to credit bureaus. They offered no solution another than saying your balance is paid off, in thirty days it will reflect on your credit report as being paid in full. I want the delinquent account to be erased from the report as if it never happened, my score to return to Excellent, and for Comenity and Childrens Place to honor their word I was given from multiple employees that if I paid once I received the next statement there would be no repercussions. I honored my word and I paid in full, just as I said I would and attempted to do multiple times via phone. They did not honor their word, from multiple employees, and it has greatly impacted me in a negative way. I will seek council to determine how to proceed if this is not rectified.
Company Response:
State: AL
Zip: 35640
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Company Response:
State: TX
Zip: 76135
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/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 Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 7. Identity Theft 01 COMENITY BANK Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. 9. Identity Theft Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 12. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 13. Identity Theft XXXX XXXX XXXX A Account Number : XXXX This is not mine. 14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 15. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 16. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Company Response:
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a call from XXXX, OH. I had answered and they had asked if it was me ( XXXX XXXX ). I said yes, and they hung up. A week later, I get a notification that a XXXX account was on my credit report and my XXXX had been compromised ( passwords and usernames exposed, etc ).
Company Response:
State: NV
Zip: 89512
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever and I had to go. By the time I had time to make the payment the payment was late. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Company Response:
State: NC
Zip: 28451
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent a letter to Comenity Bank for an unauthorized inquiry to my consumer report ; demand {$1000.00} settlement. XX/XX/XXXX it was delivered to Comenity Bank and sent to my address XX/XX/XXXX.
Company Response:
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
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 ordered the merchandise on XX/XX/2021 with XXXX XXXX run by Comenity Bank for clothes totaling for the amount of {$260.00}. The merchant promised to deliver the merchandise to my address, but the merchandise was never delivered to my address to date. When you click on the tracking number linked with this order it seems the date given for merchandise was on XX/XX/2021, which does not coincide with the date I ordered my clothes which was XX/XX/2021 ( a month after the XX/XX/2021, date above ). The link is a XXXX link for tracking number, so I called XXXX and explained the situation and gave the tracking number to XXXX. XXXX informed me the tracking number is not listed under my name nor my address. None of the information linked to XXXX is related to me so it is impossible for the delivery to be me nor the clothes I ordered. I received a bill from XXXX XXXX last week and included a charge on the bill for those clothes I never got. They charged me clothes I never got. I been trying to straighten this out with them for a couple of weeks and have gotten the run around. I have been put on hold for an hour the hung up on, switched from one person to another, given invalid phone numbers to call charged for items I never received on my recent bill, and it seems they do not have a Billing Dispute Department since they refuse to give me information on that. I requested they that the error be corrected, that any finance and other charges related to the disputed amount be credited to my account, and that I receive an accurate statement. I was not given an initial delivery date nor was I never notified of a delay in my delivery. I found the later by going to the website and saw there. I was never given the opportunity to cancel my order or give a refund. All I have gotten is the run around with no help to resolve the problem.
Company Response:
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A