Date Received: 2021-06-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had paid off XXXX XXXX 4.5 ish years ago and there are two different reports on all of my credit reports. One report says current and the other says derogatory. XXXX XXXX was supposed to take off the derogatory mark and never did they promised me. It has also happened with Ann Taylor and XXXX both paid off and still have the derogatory reports listed
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have this accounts that does not belong to me and i want it to be remove from my credit report. 1. Identity Theft XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 6. Identity Theft COMENITYBANK/XXXX Account Number : XXXX This is not mine.
Company Response:
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: CC CB/VICSCRT XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$390.00} XXXX/XXXX XXXX XX/XX/XXXX {$730.00} XXXX XXXX XXXX XX/XX/XXXX {$810.00} other XXXX XXXX XXXX XXXX {$1700.00}
Company Response:
State: PA
Zip: 18017
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the following accounts are reported on my credit, without an authorization, please review them, they are hurting me Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. Identity Theft 01 COMENITY BANK Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: In XXXX of XXXX I ordered a table from XXXX XXXX XXXX. To receive free shipping and a discount I was offered to open a XXXX XXXX Visa card, sponsored by Comenity Bank. The table was to be delivered in early XXXX. It was postponed 7 times and in XXXX without the table I was charged on the account. I sent in a {$1000.00} payment, leaving a balance of {$1600.00}. The table continued to be delayed and in XXXX the item arrived in the wrong color. After several of months and dealing with a Ms. XXXX XXXX from Corporate Intervention the table was not available. I asked for my money to be returned. Miss XXXX credited the account on XX/XX/XXXX for {$990.00} which included service charges from the bank that the company uses Comenity Bank. I have called the bank several times and requested closing the account and a return of my credit balance. The first week of XXXX I was told they would mail me a check. Two weeks later I checked and they said they would deposit to my checking account and asked for the routing and account number. That deposit was never made. Ten days ago I called again and they said a check was cut because my account number was wrong. They have had my money since XXXX and this bank is giving me the run around as did XXXX XXXX did.
Company Response:
State: TN
Zip: 37922
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: For the second time, I have been contacted by a debt collector attempting to collect debt or to resolve a debt issue ( I think he said regarding a XXXX card ) with a person who is not me. Once again, I told this person that there is no one associated with my number by that name. The person they are attempting to collect/resolve issue with is XXXX or XXXX XXXX XXXX XXXX XXXX. I'm assuming this is a female with the middle name XXXX. I'm an older male. When I called back to this collector yesterday, I starting asking him who his company is and trying to get detailed information so I could report it. He then hung up on me. I told him again, there is no such person associated with me/my number. As for me personally, I have a credit freeze and fraud alert on my account because of past debt collector actions trying to collect someone else 's debt from me. I personally do not carry debt. I pay off my credit card every week. The telephone for this person ( according to the message he left his name is XXXX XXXX is : XXXX, ext XXXX ( The number also shows up on my phone as XXXX, XXXX XXXXXXXX, KS )
Company Response:
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have tried for a few years to have a derogatory acount taken off of my credit from simply bee that was not me. I never authorized the card, had the card, used the card or signed for anything to do with the card or charges. XXXX and XXXX are saying they confirmed it was me. That is impossible as it wasn't and could not have been. XXXX XXXX agreed it was not me and deleted it finally but XXXX told me to file a complaint and send them the complaint for as well as the XXXX XXXX findings and deletion from my credit report. I did call simply be and they said they had no information except they sold the debt. They gave me a number to call and that number went to a closed company. Could not talk to anyone. So how cold a closed company nor simply bee say it is confirmed it was me when it is impossible.
Company Response:
State: MA
Zip: 01040
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
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 am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX at XXXX EST and XXXX EST, each time we attempted to resolve this matter with XXXXXXXX XXXX XXXXXXXX Credit Card service ( Comenity Bank XXXX XXXX. The first time the customer service rep sent us to the main menu after 30 minutes trying to resolve the problem and the second time the customer service rep hung up on us. The problem we need resolved is this. We received a {$50.00} certificate coupon. We called XXXX XXXX XXXXXXXX to ask how we can redeem it. We were told we needed to make a purchase adn when the amount reflected on the statement, we could then have the credit applied. Now that we made a {$71.00} purchase, XXXXXXXX XXXX XXXXXXXX has notified us that the credit can only be made at the checkout of a new purchase via the physical store or online. We received conflicting information. Either way, we are entitled to a {$50.00} ceritifcate coupon and we ask the company it be applied toward our current balance of {$71.00} so that our new balance show as {$21.00}. Our Certificate Coupon is XXXX
Company Response:
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form 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 JPMCB CARD Date of inquiry : 05/23/2020 This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. 9. Identity Theft 01 COMENITY CAPITAL BANK XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A