Date Received: 2023-10-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Fraudulent inquiry present on credit report
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Checked my credit report and it was alarmingly low. I reviewed the accounts and showed Comenity Bank as over 180 days past due, opened, used but never paid. In reviewing the other accounts on my report NO OTHER account shows that pattern, everything is in good standing, making payments, or paid off. The report also shows an address associated with this Comenity account as not mine ... from a state I have never loved that was opened XXXX. I have spoken with XXXX, XXXX, and XXXX about the removal of this from my report. I have also contacted Comenity informing them that it is not mine and nothing associated with this account is mine, so it is fraudulent, along with the steps that I am taking to dispute it.
Company Response:
State: TN
Zip: 37922
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am XXXX XXXX, and I am filing a formal complaint with the Consumer Financial Protection Bureau regarding an incident involving a purchase I made at XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX with Comenity Capital Bank sponsored credit card. I was enticed by an offer presented by Comenity Capital bank in collaboration with the XXXX XXXX XXXX, which advertised that I would not incur any interest charges if I paid the total balance by XX/XX/XXXX. Trusting in the integrity of this offer, I decided to open a XXXX card account with your bank and made a substantial purchase of appliances totaling XXXX. I firmly believed that I would be exempt from any interest charges until the specified date of XX/XX/XXXX. To my satisfaction, upon receiving my statement on XX/XX/XXXX ( see attached XX/XX/XXXX statement ), I discovered a warning on PageXXXX. This warning indicated that I needed to pay the sum of XXXX in full by XX/XX/XXXX to avoid accruing interest charges. I took this warning seriously and understood that prompt payment was essential to avoid any unexpected interest costs. In response to this, I promptly made XXXX separate payments XXXX amounting to XXXX on XXXX ( as evidenced in the attached by the XX/XX/XXXX Closing Date Statement ) and another payment of {XXXX on XX/XX/XXXX ( as indicated in the attached XX/XX/XXXX Closing Date Statement ), totaling XXXX. I believed that I had taken the necessary steps to meet the payment requirements. To my dismay, despite my efforts, I was still charged XXXX in accrued interest. What further exacerbated this situation was my subsequent discovery that buried within XXXX of the bank 's statement was an undisclosed " minimum payment '' requirement, which was never mentioned in conjunction with the " XXXX interest '' offer. This requirement was not provided in the XXXX XXXX XXXX on XXXX XXXX of the bank statement. It appears that this additional " minimum payment '' requirement was intentionally omitted from the warning, which is deeply concerning and unfair. This lack of transparency is highly disconcerting and has left me feeling deceived and frustrated. I reached out to the company to refund XXXX accrued charged but they denied it.
Company Response:
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I XXXX XXXX and my partner XXXX XXXX attended a time share in order to retrieve free gifts promised to us. We were told we would receive 3 days and2 night free stay if used within a year at the Wyndham resorts in XXXX XXXX XXXX. It was my spouse and I anniversary. We declined to purchase any time shares due to refinancing our home and necessary upgrade to our home. We expressed not interested in what they were offering. Declined all offers presented to us. They already had our photo IDs per the sign in process. They did ask for us to fill out a brief questionnaire about our finances and occupation. It did ask for ssn. We provided our information on the sheet but never authorized to be signed up for anything. After declining we were told to go to the website or call to book the room to redeem voucher we received. This company took my information and created what XXXX XXXX stated to me there was a credit account opened asked did I want a card to be mailed. I wasnt sure what she was talking about. I asked her was this a credit card, loan, credit line. She was not able to see what type of account it was so then I started asking more questions in regards to when it was open and where did they mail correspondence to and realize that the actually mailed correspondence regarding the collection to a wrong address. The address on my photo ID is not my current address. They use that address to send some thing there had I not went to my mothers old home for rental property. I would have never known this account was open it says vacation club credit account she mentioned that it may be a point system, so I tried reaching out to Windham. I was unable to receive any information in regards to this account. It does not specify that we purchased anything at all. I would attach the bill the collection bill that was mailed to the wrong address. I am not at all responsible for days. This is zero liability on my end, because I did not open this account and I would like for this to be removed off my credit. I looked up and research on XXXX about timeshares and what they do to people like myself that is unaware about everything and they swindle you and persuade you and make you feel like oh youre gon na get something free, but end up tricking you into something completely different after declining multiple times They should have known I was not interested so now I am very upset and irate. I filed a dispute with XXXX XXXX and they did research, but it came back that I need additional information which I do not have because again we did not sign up for anything. We only retrieve our free gifts for restaurants and the voucher for the free three day two night stay.
Company Response:
State: CA
Zip: 952XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I've ask for proof that it's my account I ask to send me documents of who open the account what was used... why is it on my report as verified why is the laws not sent to me about the fraud account that 4 years ago
Company Response:
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was receiving a lot of letters from this collection agency. I did pay the balances and they told me that these account where going to be removed after the payments were made. I been trying to getting these accounts removed because they were settled and the company has not being intereses with these accounts. This accounts are affecting my credit score and my credit report. I want to buy a my first house and they are keeping my credit score to grow and they are keeping me away from getting new credit. These accounts has been on my credit report for 5 years. These accounts are comenity capital bank/zale close on XXXX XXXX paid and settlement comenity capital bank/ my close on XX/XX/2018 paid and settlement and the last one comenitybank/ express paid and settlement. Please I hope you can help me because XXXX XXXX, XXXX and XXXX are not willing to remove these accounts from my credit report.
Company Response:
State: PR
Zip: 006XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: We received a notice from Comenity Bank related to CFPB reference number XXXX requesting additional information and have forwarded proof of a payment processing on XXXX XXXX, XXXX in the amount of XXXX ( check was never returned and never cleared, subsequent payment of {$100.00} processed on XX/XX/XXXX ( check was returned un paid ) and final payment of XXXX was received and posted as payed XX/XX/. The initial two payments on account ending XXXX on my XXXX XXXX appeared to have been lost and or returned after Comenity Bank moved their physical address and terminated the forwarding of checks without sufficient notice. A PDF showing proof of the processed checks has been included.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A