Date Received: 2021-06-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: From XXXX until XXXX Monday thru Saturday AND Sunday ( everyday I get about 7 calls per day from various out of state numbers and now they call via an " unknown '' " private '' number ). I finally picked up one day and because the phone number said " unknown '' and they began to tell me how they would take garnish my wages and take the money and ruin my credit. So then, I tried to talk to him about a payment plan. The amount due is only about {$300.00} HOWEVER, the only payment plan he would provide was {$45.00} of 44 payments. So now im being threatened to have my money garnished, my credit ruined, my phone rung at all hours of the day and night or pay so much interest its unthinkable. I tried to come up with a way to pay them but after the threatening calls day and night I do not feel comfortable giving out private bank information. The calls should not be starting at XXXX and not evening til XXXX either on every single day of the week. Especially over {$300.00} which I just do not have to my name at the moment.
Company Response:
State: NY
Zip: 11370
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received two letters ( attached ) in the past 6 months indicating I requested an account with Comentity Bank. Rest assured I did not, so please close any accounts you have on file remove my request and remove the inquiry with XXXX credit reporting bureau Immediately. DO NOT process or proceed any account information. If you have a question replay to THIS email only or call me. There's been a lot of FRAUD during COVID-19 but I don't intend on being a victim. Thank you for your time and expedient action in the matter. Best regards, XXXX XXXX
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I spoke with Commenity Bank in regards to multiple accounts I have with them ; Victorias Secret, Wayfair, XXXX, and XXXX XXXX. They demanded I pay them a sum of {$120.00} in XXXX to put myself into a payment plan for my cards because COVID impacted my income. I got the funds together snd made a payment to them to prevent them from filing legal action against me by their attorneys as they threatened they would do if I didnt send them the money by the end of the day. I called back in to submit an over the phone payment of {$120.00} and set myself up in a payment plan for my cards ( before the end of that same day ). Three cards draft out ( Victorias Secret, Wayfair, & XXXX XXXX ) on the same day every month, the XXXX, for {$15.00} EACH. The XXXX card is {$10.00} and comes out later in the month. I had to stay current and make sure the funds were in my chase debit account in order to ensure the auto-Draft was good and the funds were available. I did this and have been doing this since the first set of three payments were taken out XX/XX/XXXX. HOWEVER, Comenity bank has since marked my credit report as having NOT made my payment for 120 days on my Victorias Secret card, marking my credit report with multiple Major Derogatory claims. I pulled up my bank account that I monitor AND their past payment information section on my account snd noted that every payment they deem I did NOT PAY, was drafted OUT OF MY ACCOUNT and I have never been hit with over draft fees. They have not fixed this matter and have not updated my account with them to reflect XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX have been paid ON TIME and have not deducted the amounts out of my account balance!!!! They also have now removed me from the payment plan for this card and want to charge me {$35.00} in auto draft. I am furious. This has dropped my credit score SUBSTANTIALLY as I am trying my best to repair and pay off debt that COVID caused me to accrue as I lost thousands of dollars of income due to the pandemic and one entire job. They are FRAUDULENT and THREATEN their customers with severe legal action against them if they dont cough up money- REGARDLESS of the reasons being loss of wages and income due to a global pandemic. This is crippling me.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: All Rewards Ann Taylor Master Card has assess fees AFTER I paid the balance of the card off by the due date on XX/XX/2021. I believe they assess interest a month or more post the statement which results in always having a balance on the card. When you think you have paid a card off, they further assess late fees on accrued interest on a XXXX balance.
Company Response:
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I mailed a money order for {$59.00} on XX/XX/2021 to Comenity capital and it was cashed on XX/XX/2021. They lost it.
Company Response:
State: AZ
Zip: 86409
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These account are not mine really, please deletrea of the 3 credit bureaus XXXX, XXXX and XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 2. Identity Theft CCB/CHLDPLCE Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : COMEN-XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft COMENITY CAPITAL BANK Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Due to CARES Act/COVID 19. My accounts with Comenity Bank ( Victoria Secret, XXXX XXXX XXXX and XXXX was reporting inaccurate information. Please review my accounts.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute regarding the incorrect items on my credit report. It has been well over ( 30 ) thirty days and I have not received any investigation results.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
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: XXXX XXXX XXXX - There are multiple errors in the listing that are damaging to me including high credit, date last of activity, the date of last payment and payment history. Please update for lawful accuracy or delete immediately. XXXX XXXX - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. XXXX XXXX XXXXXXXX - Why bother claiming that you only provide the most accurate and verifiable information if you really dont? I requested proof of payment history. Where are they? You dont keep accurate records, do you? Let me tell you, according to the FCRA, you cant ignore a consumer 's request for an investigation ; you actually have to do it and send the results within 30 days. Your time is up and you didnt do your job. Take this off my file! XXXX XXXX - I informed you before that this account was showing an inaccurate payment history. This inaccurate information continues to do harm to my credit. You didnt investigate! And where is my proof of payment history? You have to go back and take this off!
Company Response:
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A