Date Received: 2021-06-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have these accounts that are not mine and i need them to be erradicated from the 3 credit report agencies right now. Se the list of accounts down bellow : 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 XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft COMENITY BANK/EXPRESS Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
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 late payments on the dates below : 30 days late as of XX/XX/2020 and another 30 days late in 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 did not get to me.
Company Response:
State: PA
Zip: 19380
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 2. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 3. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 4. Identity Theft COMENITYBANK/VICTORIA Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I entered a consumer credit transaction with COMENITY BANK and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that COMENITY BANK claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. COMENITY BANK has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Company Response:
State: LA
Zip: 70810
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from 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 XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX/VICSCRT Account Number : XXXX This is not mine. 3. Identity ThefXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Company Response:
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I made a purchase in XXXX using the XXXX credit card issued with Comenity Bank in XX/XX/2021. I am signed up for e-bills and have never had an issue for years. A few days ago I noticed my credit score dropped from XXXX to XXXX and checked my report. Its been reported that I missed payments to this card 3 months in a row. When I went online to the account, a warning message appeared that they are having trouble with their system and it will not allow them to send me an email to my account. The email they had on file is correct and working fine, that is how I receive all my other bills and communications. For an {$80.00} charge, they added approx {$70.00} in late fees and interest for which I paid in full immediately. I have been out of the country due to coronavirus but I never received a call, email or text message letting me know about this. They have closed my account so I can not dispute any of this. This was an IT error on their part and I just dont want my score to be negatively affected because of their system issues. They are not willing to resolve this. I have never missed a payment and would not have missed these if they sent me an email, text or tried to call me about this issue.
Company Response:
State: NY
Zip: 11232
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX has called me 5 times before XXXX XXXX today. Upon picking up she immediately threatened me by saying she was helping me avoid a lawsuit. I simply told them to stop calling and they deny calling as many times as they have. My phone records beg to differ. Each time they call, they call twice! The second part of threatening a lawsuit is a much bigger deal. That is not allowed and is highly unethical.
Company Response:
State: CO
Zip: 80123
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I made a purchase for XXXX with XXXX XXXX on XX/XX/XXXX. The charge was 18months no interest. The statement states the full balance had to paid in full by XX/XX/XXXX. I made a a payment of {$35.00} on XXXX XXXX and paid the remaining balance of of {$460.00} off on XX/XX/XXXX which bought my balance to XXXX. I made another purchase on XX/XX/XXXX of {$4600.00} XXXX which was 60 months at 14.99 % ). On XX/XX/XXXX I was charged finance charges of {$36.00}. I contacted XXXX and inquired about the finance charges considering I had already paid off the {$500.00} balance and the new charge had not been 30 days. I was told that I did not pay the XXXX off in the grace period therefor the charge was correct. I called in on XX/XX/XXXX and was told the exact same thing. If they are offering a promotional finance and there site state if the promotional balance is not paid in full within the promotional period then all accrued interest will be charged to the account. In my case the balance was paid and I was still charged finance charges. I feel this company is overcharging customers and not following their policies that are posted on their site and billing statements.
Company Response:
State: FL
Zip: 33881
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: i seen COMENITY CAPITAL BANK/XXXX had reported a inaccurate item on my credit report on XX/XX/2021 saying that i owe them XXXX , so i sent them a letter requesting the validity of the debt on XX/XX/2021 and asking that it be sent within 30 days required by law or delete it.
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft N/A Account Number : XXXX This is not mine. 3. Identity Theft N/A Account Number : XXXX This is not mine. 4. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine. 5. Identity Theft COMENITYCAPITAL/XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A