Date Received: 2021-05-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have contacted comenity bank ) Victorias Secret ) to please remove late/ missed payments from my credit bureau reporting due to Covid job loss. I contacted them several times in regards to this, and was unable even with a supervisor get anywhere. I am a single with XXXX kids receiving no support going through a divorce I was unable to feed my kids during the government issues with unemployment, somehow my information was incorrect and I had issues with switching to XXXX and received nothing until it was corrected. Can you please remove all my late payments as I was both exposed to XXXX as well as my state had a shelter in place.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Closed an acct. at comenity capital bank for credit card. Paid it in full that day. They keep harassing and sending me bills.
Company Response:
State: CA
Zip: 92807
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I sent a letter to XXXX comenity bank, almost 2 months ago and they have not responded to the letter that I sent. I asked them to verify how they got the information that they are reporting on my credit report. So what they did was try and update it on my credit report as closed XXXX XXXX but listed a payment XX/XX/XXXX XXXX. How can a payment be made on a closed account. Plus if this account is closed and so called listed under bankruptcy how are you all still updating this account. You just updated XX/XX/2021. However, I am still waiting on my letter on how they even got any information to list on my report. I have contacted XXXX Pacer and also the courts. Which they have sent letters that they did not report this to your company. And if you got this from XXXX there records were wrong and they have removed this from there recoreds also. I will attach letters.
Company Response:
State: MI
Zip: 48174
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone had submitted multiple fraudulent applications with COMENITY/VICTORIA SECRET that resulted in several credit inquiries ( all of which were reported to the credit bureaus around XX/XX/XXXX to XX/XX/2021 ). These unauthorized and fraudulent activities had already been reported to the 3 credit bureaus and had already begun to negatively impact my credit reports and credit scores.
Company Response:
State: KY
Zip: 40342
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I got my statement for XX/XX/XXXX, reflecting I didn't make a payment, with a late fee, for the month of XX/XX/XXXX. I called that they didn't get my check. Gave my check # and amount. The representative stated no check was received. So I made a phone payment by phone. I stated if they get the check, to bill it as another payment. I made a payment # XXXX {$130.00} on XX/XX/XXXX, by mail at post office. On XX/XX/XXXX got a text message, to community bank. Another text appeared they tried to contact me via, XX/XX/XXXX, it appeared on XX/XX/XXXX! I called the XXXX. Gave my info, representative said no payment had been received. He stated, he can take a voice payment, gave my info. payment made confirmation # XXXX I stated I had made a payment to a company, that I canceled, and if I got a billing of a refund on a different card, a credit card I lost! No info regarding that, there was a cancelation fee. He passed me on to a customer service representative, I gave all the info for my account explained, the transaction of lost card, no info for that, as of yet. I then asked there is a problem with my mail payments. The representative stated ; I am sorry, since XXXX, was bought from another company ; all payments will be forwarded to XXXX, ILL, from the XXXX XXXX XXXX XXXX XXXX TX XXXX. No address was given for XXXX, ILL, or phone call. I asked will a mailer go out regarding that. He didn't reply to my inquiry. Billing statement for XX/XX/XXXX, is XXXX XXXX XXXX XXXX XXXX TX XXXX.
Company Response:
State: CA
Zip: 906XX
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I became behind on my XXXX account in XXXX/XXXX of 2020 - I now know that I what I thought was the XXXX was really XXXX spreading to myself and my daughter. At the time I worked part-time and therefore my hours were reduced and I could not pay my account. XXXX and I came to an arrangement after I saw an email on XX/XX/XXXX that they were helping people through the health/economic crisis. After speaking with the representative, I agreed to make a payment only IF they would fix the late payments now reflected on my credit report. She agreed and I made a payment of {$320.00} - which was much higher than my normal {$70.00} payment and took a great deal of balancing on my part with regards to bills. I ONLY agreed because they would report positive payments on my credit report. I discovered a year later that in fact they did NOT fix my credit report as agreed. And guess what - if I don't pay it really doesn't matter because my credit is screwed now and if I close the account my credit is XXXX .... notice how that works? These companies have our heads in a vice. So now after writing them the following, with a response on XXXX that says in fact the credit report is correct and they will not accept my dispute, I need you all to intervene. To Comenity : " I made an arrangement to get caught up last XXXX ( 2020 ) because I not only contracted XXXX ( before they really knew it was XXXX ) but also got reduced hours due to XXXX. I held up my end of the agreement by making the payment ( s ) but you STILL reported this to the credit bureaus as delinquent. I have called TWICE to get this fixed. What is the point of me paying you ANYTHING since this delinquent report is completely dragging score down!?!?! You've send me countless emails about support and making payment arrangements, but then you still punish people. That isn't support. Please fix this as per our arrangement and clear this " delinquency '' from my credit report. ''
Company Response:
State: NC
Zip: 27804
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone had submitted multiple fraudulent applications with multiple banking institutions, including 5 inquires ( of both hard and soft ) which are XXXX XXXX XXXX XXXX, XXXX and 2 COMENITY/VICTORIA SECRET inquiries ( all were reported to the credit bureaus around XX/XX/XXXX to XXXX XXXX 2021 ), and of the 5 applications, 1 was able to go through and be approved, and a fraudulent COMENITY/VICTORIA SECRET store credit card was fraudulently created underneath my name. ( reported to the credit bureaus around XXXX XXXX, 2021 ) I have contacted all the creditors and banks listed above and they had all started an investigation ( except forXX/XX/XXXX, as they indicated they can not find any record of an application underneath my name and SSN that was filed with them, when I can see that on my credit report ) and had closed the account that has been fraudulently opened ( the VICTORIA SECRET store card ). However, all of the information listed above has already been reported to all 3 of the credit bureaus and has already begun to have a negative impact on my credit score.
Company Response:
State: KY
Zip: 40342
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have two hard inquiries on my credit report I never authorized too XX/XX/XXXX XX/XX/XXXX
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My wife and I could not possibly be more disappointed in XXXX XXXX and Comenity Bank!!! We absolutely feel that we have been ROBBED of XXXX dollars or at least victims of fraud. My spouse had been a long-time customer of XXXX XXXX and felt that they delivered a high-quality product. In XX/XX/XXXX my spouse placed a telephone order for a bed through a XXXX XXXX retail location in XXXX, TX. My spouse was absolutely not advised of any special circumstances surrounding this order. The sales associate simply took the order and accepted our XXXX XXXX/Comenity Bank account as payment. The sales associate explained that the card would be charged when the item shipped. The associate did not in any way explain any special return or cancelation requirements associated with this order. Due to the excessive delay in fulfilling the order my spouse decided that she would prefer alternative solutions. On XX/XX/XXXX in the evening my spouse called XXXX XXXX to cancel the bed that had been ordered in XXXX. The initial person my spouse spoke with told her that she could not cancel the order. Again, this is absolutely the first time anyone has told my spouse that this order had special conditions associated with it. My spouse ask to speak with a supervisor at the call center. My spouse spoke with a supervisor and the supervisor cancelled the order ( supervisor did not mention any penalties associated with canceling ). On XX/XX/XXXX I opened our Comenity Bank/XXXX XXXX account statement. I noticed a charge and a credit both on XX/XX/XXXX that left a balance due of XXXX. I called the number listed on the statement and spoke with XXXX. After 43 minutes on the phone, XXXX simply stated that the bed had shipped on the same day that we canceled the order. XXXX was not rude nor unprofessional but was obviously not helpful from my perspective. I ask several times where I could complain about not being allowed to dispute the charges and complain about the banking/credit method. Ultimately my call was transferred to a team leader by the name of XXXX. XXXX was apprized of my complaint. XXXX was matter of fact and said that we should not have been able to cancel the order at all and that we were fortunate to have the amount credited because we should have received a store credit and not credit returned to the account. Again, the first time we were ever told that special circumstances were involved with this order that would result in monetary loss was on XX/XX/XXXX!! I followed up with XXXX asking who I could complain to about the Banking practices that I felt were wrong. XXXX said she did not know what agency I could complain to about the banking practices. XXXX said if I wished to complain in writing to XXXX XXXX I could find a link on the website ( I was not able to find any link to communicate on the website!! ).
Company Response:
State: TX
Zip: 76712
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Bank for XXXX has indicted on my credit report that I was 30 days late on my payment which is not true. I send a check for my payment and perhaps they did not open my payment in time. Regardless I have NEVER been 30 days late XXXX Bank for XXXX has indicted on my credit report that I was 30 days late on my payment which is not true. I send a check for my payment and perhaps they did not open my payment in time. Regardless I have NEVER been 30 days late XXXX XXXX has indicated on my credit report that I was 60 days late. No, I one again was not late XXXX was in litigation with them because they charged me for a product I never received. By the way, I won this complaint.
Company Response:
State: PA
Zip: 15101
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A