Date Received: 2021-06-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Calls are coming in from No Caller ID every 20-30 min up to every hour, and from XXXX - XXXX PST. I am not behind on the bill & my account states its in good standing. This is harassment. They also call from XXXX area codes for commenity bank. It is for Victoria secret. I received a letter stating my account was not past due the past week. This is absurd.
Company Response:
State: NV
Zip: 89131
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: 2021-06-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have already notified Comenity Bank that this credit card was opened without my knowledge or consent. I don't know nor ever had the account number and the fraud department would only give me the last four numbers which are XXXX. My now estranged wife had used my social security number behind my back to open multiple credit cards without my permission. She is a XXXX XXXX / XXXX XXXX and I have had to file for divorce because of this. I have been severely and maliciously defrauded by her. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. XXXX has even recognized this and deleted their XXXX entry from my credit profile. A police report was submitted to the XXXX XXXX Police Department on XX/XX/2020. I have found out that there are 7 other police reports with her as the suspect of fraud / theft.
Company Response:
State: WA
Zip: 98366
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Victoria Secret is reporting lates for the months of XXXX and XXXX. I was not late on this account. I made my payments online and thought everything was fine as i did not receive a call or notice about being late. I recently had my credit pulled and noticed the lates on my credit file. I had called immediately and paid the balance. I made these payments on time on the online system and never received a call or notice about the lates. I had no idea that i was being marked late. I need these lates to be removed from my credit file.
Company Response:
State: UT
Zip: 84116
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX Comenity Bank Victorias Secret Credit Card company reported my account status as " discharged through ch. XXXX bankruptcy '' with a status date of XX/XX/XXXX and will continue on record until XXXX. Creditor also closed account. Sent certified letters to Comenity Bank VS Credit Card, XXXX Credit Bureau, XXXX XXXX Credit Bureau and XXXX Credit Bureau on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX along with proof that this account was NEVER included in Ch. XXXX BK in XX/XX/XXXX. I sent in my Discharge papers with my schedule F showing Comenity Bank was NEVER listed. Comenity Bank credit line was increased between XXXX, never late, never missed a payment, very seldom had an owing balance. Creditor closed credit line due to this inaccurate credit reporting. This is negatively affecting my score and me obtaining credit. Comenity Bank along with all 3 Credit Bureaus refuse to correct the reporting information. They are reporting that I discharged this credit card in XX/XX/XXXX and report that it will remain on my credit report until XXXX. This is completely false and inaccurate. I did file Ch. XXXX Bankruptcy in XX/XX/XXXX, discharged in XX/XX/XXXX. Never included Comenity Bank Victorias Secret Credit Card, I have NOT refiled BK and couldn't if I tried as I am only going on 6 years discharged. I have taken great strides in rebuilding my credit, never getting in over my head and never missing a payment. I would never even consider filing BK again. This inaccurate reporting is severely affecting my credit and I am being declined credit because of this.
Company Response:
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX my XXXX XXXX XXXX Credit Card, issued by Commenity Capital Bank was closed due to the joint applicant filing for bankruptcy. Prior to the filing, the account had NEVER been paid late, ( I was also able to get Commenity to verify 4x that I had never been late on the account ), however in XXXX & XXXX of XXXX two late payments were reported to all 3 bureaus for this account. This is very inaccurate, as this account had already been closed and included in bankruptcy. Commenity could be in a lot of trouble if I move forward with my attorney, as this is considered an act to try and collect after a bankruptcy has been filed and discharged.
Company Response:
State: AL
Zip: 35022
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Bank XXXX is reporting a late on XX/XX/20. Due to the unanticipated events in my life surrounding XXXX, I was affected financially. During this time, I was paying my absolute necessities and was really struggling. I was surprised to see Comenity Bank report any late notations at this time because the bureaus did ask creditors to take leniency on credit reporting during an unprecedented pandemic. I have been current since and was never late before. I ask that Comenity Bank please make a one time goodwill adjustment and remove the late.
Company Response:
State: UT
Zip: 84043
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority.
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: review the following accounts that appear on my credit report, without any authorization, are hurting me XXXX Account Number : XXXX This is not mine. CB/VICSCRT Account Number : XXXX
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/2021 I checked my account and saw no payment due ( no photo available ). I was then dunned by telephone for the amount of {$83.00}. On XX/XX/2021 I again checked my account, which showed no payment due ( photo attached ). On XX/XX/XXXX I was again dunned by telephone for a past due amount of {$220.00}. In discussion with a supervisor named XXXX he stated that the online info is of no value, and that I need to go by the pdf file sent to me or available online. Any other info is meaningless.
Company Response:
State: WI
Zip: 54601
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A