Date Received: 2021-06-15
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02720
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This account is reporting in accurately to my credit report. I have attempted in numerous ways obtain verification of this debt and have not received any documentation. I did not authorize anyone to open or sign in my absence therefore it can not be validated as a debt that I owe.
Company Response:
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/2020 {$38.00} Wrote the corp. informed them that As consumer, the natural person, and the original creditor Pursuant 15 USC 1602 ( g ) my SSN card is my credit pursuant 15usc 1602 ( l ) I understand my SSN is an open consumer credit plan the are violating my rights 15 USC 1666b ( a ) which they are reporting to the CRA a late payment which is a violation They are damaging my consumer report by reporting this false allegations and seems don't care about the law
Company Response:
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2021-06-14
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 is not yours
Consumer Complaint: I requested that ADS/COMENITY/XXXX prove to me that I opened an account that's been reported on my credit report. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to myself for their investigation of my dispute. This did not happen. ADS/COMENITY/XXXX has been taking advantage of consumers during Covid and during my initial complaint that they ignored for years.
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
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 late payment reported for XX/XX/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: 2021-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid off in FULL a Victoria secret XXXX XXXX credit card on XX/XX/XXXX and they willingly chose to send misleading and false information to XXXX credit bureau stating that I owed more money and due to that my credit score went down -145 on XX/XX/XXXX. I called XXXX credit bureau because that is what comenity bank told me to due and trans told me that they cant due anything about it and dont have the information that community told me they would have. Comenity didnt send paper statements when I asked them to and also didnt send my credit card when opened. They violated me. When I call Comenity bank every person that answers give me different information and tampers with my information. Although I placed my correct information in store. XXXX told me on XX/XX/XXXX that the information on my file was wrong. After I created an account with the bank they my phone. After all the calls I have made. Under the Fair Credit Reporting Act XXXX FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner. I called today XX/XX/XXXX and they updated my address and email again. Every time I call its the same thing.
Company Response:
State: CA
Zip: 92078
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: In XX/XX/2021, I made a payment via the online portal for Comenity Bank/XXXX XXXX. I incorrectly transcribed the last 4 digits of my bank account as XXXX instead of XXXX. The payment didnt clear, as the account was incorrect. I was unaware of the problem until my credit score dropped 90 points from this late payment. I immediately brought my account up to date. I have three credit cards with Comenity Bank, all of which have been paid in a timely manner. This late payments and subsequent drop in my credit score, has rendered it impossible for me to secure any kind of financing or loans for my small business. I have sent 3 letters requesting a show of goodwill, all of which have been denied. At Comenity Banks request, I then disputed it through the credit bureau to which they also denied after telling me they would not. I certainly understand that bills need to be paid on time. I have tried very hard to pay my bills on time, especially throughout covid and owning a business that was shut down for months. A 90 point drop in my credit score has decimated my credit. I am seeking the CFPBs assistance in hopefully rectifying this, if at all possible. Thank you in advance, XXXX XXXX
Company Response:
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I applied for a refinance of my home with a cashout to reduce debt. The refinance closed on XX/XX/XXXX and I received checks to payoff the debt on XX/XX/XXXX. Comenity-XXXX was one of those accounts. The payoff amount was {$350.00}. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX sent me check # XXXX in the amount of {$350.00} to send to Comenity-XXXX XXXX. I mailed this check on XX/XX/XXXX with a copy of my current statement. As of XX/XX/XXXX, that check had not cleared and the payment had not been posted to my account. I had been charged a {$29.00} late fee and {$8.00} in interest. I contacted my mortgage company and told them a check may have been lost. I contacted Comenity-XXXX and told them a stop payment had been issued and I was sending a new check. This was check # XXXX and it was issued on XX/XX/XXXX. Comenity-XXXX XXXX gave me an address to send the new check. That address was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX, XXXX. On XX/XX/XXXX I paid {$26.00} to 2-day Express Mail and get a receipt that the check had been received. I received the receipt with the signature of a representative from Comenity-XXXX XXXX signing for the check on XX/XX/XXXX. However, my payment was not posted to my account until XX/XX/XXXX. I started receiving phone calls from Comenity-XXXX XXXX around XX/XX/XXXX telling me I was in arrears on my account for non-payment of a debt. On XX/XX/XXXX, Comenity-XXXX XXXX processed check # XXXX. This check was returned to them due to a stop payment being issued as the check was presumed lost. Comenity-XXXX XXXX contacted me regarding the return of my payment. We had the conversation once again that the first check had a stop payment issued since the payment had not been recived by Comenity-XXXX and a second check had been issued. I had receipt of Comenity-XXXX receving the second check. I was told there was no documentation that anyone from Comenity-XXXX had spoken to me. I was told to go to the secure message center and file my complaint in writing which I did on XX/XX/XXXX. I received a letter in the mail, dated XX/XX/XXXX that they are researching my complaint and it may take up to 90 days. It also stated I would receive notification of their findings. To date, I have received no communication with the exception of a bill showing my {$350.00} payment, check # XXXX posted XX/XX/XXXX and that I still owe XXXX in late fees and interest. I called Comenity-XXXX today, XXXX XXXX to ask to have the fees reversed and was told Comenity-XXXX will not do that anymore. I asked to speak to a supervisor and was put on hold only to be put back into the automated answering system loop.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Unvalidated debt was deleted and than reported again. Further requested information has never been investigated, no investigation report has ever been received. See attached correspondence. According to FCRA unverified, unvalidated account must be removed from the inquiry initiated by the customer after 30 days. Please see attached letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). It is very critical that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain mortgage. I was already being denied for car financing and lease. So, in addition to the statutory damages, I will include punitive damages in my legal complaint if this matter fails to be resolved as soon as possible.
Company Response:
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I've attempted to remove the lates in lieu of good faith payments and the company has not complied.
Company Response:
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A