Date Received: 2021-05-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: ( This is for 2 accounts ). On XX/XX/2021 via Priority Express mail number XXXX XXXX XXXX XXXX XXXX XXXX Comenity Bank received my validation of debt letter specifying I want direct verification of the alleged debt they say I owe. I requested to have the competent evidence of said debt and validation under penalty of perjury and as allowed by law, I also asked them to provide me additional evidence including proof that they are licensed to collect in the state of my place of XXXX During the initial 30-day investigation period, Comenity Bank was on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills. Comenity Bank did not provide me direct verification or proof that sufficiently satisfies their claims. Instead, Comenity Bank sent me emails and statements that I did not directly consent to and attempted to collect an alleged debt while the investigation was in place which is a violation pursuant 15 USC 1692g ( b ). Additionally, Comenity Bank continued communicating or attempting to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ). Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ). If there is a debt owed, why is the balance in a positive status? In addition to the statement of dispute, a 2nd notice for Direct Verification, Affidavit of Truth and a Rescission of Signatures notice has already been provided to Comenity Bank by I, the consumer in fact via Certified mail number XXXX XXXX XXXX XXXX XXXX. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty 30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Not only the allege debt is still not directly verified, Comenity Bank has committed several federal violations against me, a Private law abiding Federally Protected Consumer, for which I am entitled remedy. Comenity Bank must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : 1. Reimbursement of all prior compensation applied 2. Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the attachment to further explain this statement.
Company Response:
State: PA
Zip: 19401
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have reached out 3 times to Comenity, and received no reply. I have put it in writing that I wish to cancel the contract, and this was done immediately after receiving it so I had time to do so. No customer service is bad enough. But I have received no reply, also not even an email with an account number. I applied for the card on XXXX, which is plastered with banners for 0 % interest for 36 months. I read the TOC before submitting my application, and the TOC clearly offers 0 % interest for 36 months. It was only after I got approved and made a purchase, that I realized there was a contingency. The purchase has to be for XXXX dollars, and I was only approved for XXXX. Had they been honest, I may well have spent XXXX because I am shopping for a refrigerator -- -but instead, the credit card was a " bait and switch ''. I have told Comenity that I wish to pay the balance and close the card with no further relationship. I want to pay no fees. I feel that this is a fraud, designed to draw people in to high interest rates and fees. It is not what was promised. I wish to cancel this contract with Comenity.
Company Response:
State: TX
Zip: 78228
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: this is a fruad account i never applied for the card this is a fruad and is on my credit report i would like to have it remove from my credit report asap
Company Response:
State: CA
Zip: 90630
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX Credit Card by Commenity Bank offered covid 19 assistance during the onset of the pandemic. Not only did they misrepresent but they are not honoring their commitment to waive pandemic late fees. They are lying about no records of reporting the late fee waiver.
Company Response:
State: CA
Zip: 92881
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have an open dispute against XXXX/Comenity Bank with XXXX. I've attempted several times to resolve this ongoing issue. XXXX/Comenity sold alleged Account # XXXX to XXXX XXXX XXXX, XXXX. In an effort to resolve this matter, I filed for private arbitration according to XXXX 's Credit Card Terms and Conditions on XX/XX/XXXX ( Case XXXX. ) On XX/XX/XXXX the XXXX XXXX XXXX closed the case because XXXX failed to respond after several attempts. To get down to the bottom of the issue, I demanded an investigation from XXXX After an investigation, on XX/XX/XXXX, XXXX ceased all collection activity on this account, closed the account and removed the trade line from all credit reporting agencies as it is invalid. The very company XXXX allegedly sold this alleged account to, agrees the account was invalid. However, XXXX/Comenity continues to report invalid information to the credit reporting agencies on my behalf and in doing so continues to violate my rights under the Fair Credit Reporting Act.
Company Response:
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: We have made several attempts with Ann Taylor to correct the inaccurate information on our credit report. Account was paid in full and close XX/XX/2020. However, Ann Taylor has shown not only a balance of around {$600.00} with late payments after the account was paid in full and close. Moreover, Ann Taylor has charged off the account and sold our supposed debt to another collection agency. We have made numerous calls to Ann Taylor trying to resolve this issue without results. Throughout the history of this account we made our payment on time and still and Taylor reported inaccurately and would constantly call us requesting payment on an account that was current. This is the reason why we ended up closing the account in 2020. We have also disputed this with the credit agencies but still the derogatory remarks remain. We are not at the point of seeking legal action against Ann Taylor!
Company Response:
State: CA
Zip: 93611
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I entered a consumer credit transaction with COMENITY 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, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) 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 claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. COMENITY has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
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, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) 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 and not validating the debt.
Company Response:
State: LA
Zip: 70817
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I first obtained the XXXX credit card in XXXX. Never had any payment problems or disputed charges. In late XXXX XXXX XXXX sold it to Comenity Bank. First statement i got from Comenity showed charges i didn't make. I filed a dispute and was told their were mines. I made a written dispute requesting them to please investigate for fraud. I call to check the status and was told the charges were mines. I never made a single payment to comenity because they won't even do a proper investigation to my disputed charges. The charges are from XXXX XXXX. I did go for a wedding but i stayed with family. I called the hotel myself to see if i can get evidence but although my card was used, my name wasn't and therefore they weren't willing to help me but did tell me the credit card company can. Til this day whenever they contact me i tell them I'll pay my balance in full prior to XX/XX/XXXX. Because i never even activated their credit card issued by them. Now they sending it to collections and my 2years window is closing in. So I'd like to get this matter resolved. I ask for comenity please prove it was I who filed these charges because i know for a fact i didn't! I'm not going to pay for something i didn't do. Please remove those fraud/unauthorized charges and i will pay the balance pre XX/XX/XXXX and close the account in good standing and correct my credit. They're coming out like the frauds for not even doing a proper investigation when a consumer requests one.
Company Response:
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Comenity Bank/Victoria 's Secret is reporting two duplicate accounts to XXXX XXXX, and XXXX. Both accounts are in chargeoff status. It is the SAME account reporting twice to ALL THREE bureaus, impacting my credit score in extremely injurious ways as my home purchasing process was stalled as a result of the erroneous entries.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A