Date Received: 2021-06-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have asked both XXXX, XXXX, and Comenity ( New York & Co ) to correct the information on my report. This account has been paid off and I was promised a DELETION of this tradeline. The account was closed, then I paid this account off on XX/XX/2020. This account is still showing as an open balance on my XXXX report, and possibly all of my credit reports ( XXXX and XXXX XXXX! The refusal for these companies to correct their reports has COST ME ALOT in higher interest fees when I have tried to apply for credit! will these 3 companies be paying back the financial damages they have caused my credit???? Or will they be deleting the tradelines of XXXX/Comenity New York and Co? It is totally unfair that I should have to wait TEN MONTHS for the correction after I was promised it would only take 30 days!!!
Company Response:
State: TX
Zip: 75231
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hello I contacted COMENITYCB/XXXX Account number XXXX by mail in XXXX and XXXX regarding this account being placed on my credit file. I requested documentation from the company with my original signature showing I opened this account. I have no knowledge of this account. The creditor failed to respond to my request & failed to delete the negative item from my report. I advised that under Section 611 ( 5 ) ( A ) of the FCRA that the creditor is required to promptly DELETE all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) the creditor failed to comply with Federal Law. I am a litigious consumer and pursuing litigation in this matter to enforce my rights under the FCRA.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX A XXXX credit card was open using my name. I did not know about this credit card debt until I got served with judgement papers on XX/XX/XXXX. I called the company which did not even had my whole first name. I asked them to send proof this debt was mine. XX/XX/XXXX I received over 300 pages of account statement all date starting on XX/XX/XXXX. According to XXXX XXXX XXXX XXXX I made a payment on the amount of {$160.00} dollars on XX/XX/XXXX. I send then a reply to judgment with my partial bank statements ( all personal information was left out as well as my bank routing and account number ) that proves I never made a payment to XXXX credit card as they mention. or neither I have paid anything on this debts because its not mine. On my conversation on XXXX, XXXX with XXXX and associate debt collector i told then not to contact me no more by phone or mail. And I am willing to hire a lawyer to represent me on court in regard to this matter.
Company Response:
State: SC
Zip: 29036
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Mailed payment ( Money Order Number XXXX XXXX XXXX XXXX via usps on XX/XX/2021 to XXXX XXXX XXXX via Comenity Bank XXXX XXXX XXXX, XXXX, TX, XXXX. Company reports as of this date no payment has been received and they are calling me demanding payment and late charges. Payment was due on XX/XX/2021.
Company Response:
State: IN
Zip: 46229
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: CC CB/VICSCRT XXXX XX/XX/XXXX {$0.00} CCB/CHLDPLCE XXXX XX/XX/XXXX {$0.00} medical EMERALD AR XX/XX/XXXX {$1100.00} XXXX 'S XXXX XX/XX/XXXX {$56.00} HLTHCARE COL XX/XX/XXXX {$3500.00}
Company Response:
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On or about XX/XX/XXXX I logged into my Commenity Bank issued, XXXX XXXX branded credit card to pay my bill. I do not know when my bill posts but know that the due date is the XXXX of every month. I logged in and attempted to pay my statement balance in full, just as I've done every month since acquiring this card. By happenstance I actually wanted to see the statement as I had an issue with one of the merchants I used the card with. I was surprised to see that I was charged finance charges. I quickly called the company and inquired why I was charged interest on purchases as I'd paid the balance in full the previous month. The representative from the company " checked my account '' She verified that I indeed had paid my statement balance in full every month and didn't know why I would be charged interest. I confirmed with her that in fact that is how this credit card worked ( I have other cards and they all work the same ). She was able to somehow have the interest waived and I went about my merry way. I recently logged in to pay my account and noticed even more interest expense. This infuriated me. I called them today and again was greeted by a representative who stated " yeah I see you paid your balance in full you shouldn't be charged interest and I see you called on the XXXX and we waived the interest. I will set up a dispute of this finance charge '' I said that sounds great but I'd like to talk to a supervisor so that I do not have to do this every month. After waiting what seemed like forever I got a supervisor on the phone who stated that they changed their policies for calculating interest. The statement balance is no longer the balance that must be paid in full to maintain your grace period but instead it is the " entire balance '' owed on the due date. She made a claim that they sent a disclosure to me stating as such. I didn't believe this to be true and I certainly didn't believe that it was a separate disclosure. Later, when I asked for a copy of that disclosure the representative was able to find out that it was included on page 7 of a statement that they mailed me. Well the disclosure certainly didn't in " plain english '' explain that they were changing how credit cards work. Eventually, as a still unsatisfied customer I got to another person that was able to give me a partial statement credit for the interest. I am not satisfied. I believe they have not met the requirement to disclose in plain english the terms of the change and the impact on consumers. There are no other credit cards I have ever used that use this language or this methodology. It is so obvious on its face that when you call their representatives the first thing they do is look at your payment history and say that must be a mistake!!!! I believe they are harming consumers that are unaware that this. Furthermore, I don't believe they met the criteria that material changes be disclosed in a separate mailing. I find this behavior abhorrent and would request that you pursue the matter to its fullest extent. You can pull the tapes from my phone calls today XX/XX/XXXX as well as XX/XX/XXXX and here multiple representatives state that I should not have to pay interest because I paid the statement balance in full before the due date. Even the final " senior manager '' said the same and then he backtracked. I am attaching my XXXX and XXXX statements. The XXXX statement has the change in language that they claim allows them to do what they are doing. It can be found on page 5 under grace period language. The XXXX statement shows that they do not change any of the first page terms like " balance '' " payments '' " new balance '' They present it all the same while stealing money from each of their customers. Please make this a class action case I would happily be the lead plantiff.
Company Response:
State: WI
Zip: 53051
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
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 Date of inquiry : XX/XX/2020 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 XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine. 10. Identity Theft XXXX Account Number : XXXX This is not mine. 11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 12. Identity Theft XXXX Account Number : XXXX This is not mine. 13. Identity Theft XXXX Account Number : XXXX This is not mine. 14. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 15. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 16. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 17. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 18. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 20. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 21. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Hi COMENITY BANK/XXXX ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response:
State: MA
Zip: 02121
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Company would lower credit limit to amount charged creating usage greater than 39 % usage and a negative mark in credit report as delinquent and reported several times to credit bureaus and several inquiries within days of each inquiries
Company Response:
State: TX
Zip: 777XX
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an accounts with a bank that has a late payment showing from XX/XX/2020. The situation was that i had lost my job due to the start of covid, I had made arrangements with them so that i wouldn't have any late payments on my report and they worked with me on the payments. payments were taken out automatically even at a reduced amount. The next six months there were no late payments but i notice that with both accounts they have a late payment showing on each account from XXXX. I have tried disputing it with them as well as the bureaus. They listen to me when i call and make notes but nothing changes. It is keeping me from getting a home loan and this was part of the covid relief program that i was a part of and should be removed. There is only 1 late payment with each ;. It's obvious that i was part of the covid program. Please help me to get these removed as they are not my mistake and i worked it out with the company.
Company Response:
State: CO
Zip: 80020
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A