Date Received: 2021-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Comenity Bank keeps calling the phone throughout the day to attempt to collect someone's debt. No one that lives here has debt. They have never said who the debt was for, the amount, or tried any other forms of contact. The first apparent caller id ping was on XX/XX/2021. Many of these calls hang up on the answering machine. These calls are also spoofing numbers. Not 100 % sure if it's the actual company at this point. Consistently calls throughout the day and hangs up without providing info and sounds like a scam
Company Response:
State: PA
Zip: 16001
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
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: THIS IS NOT A DUPLICATE..My credit is being ruined with all the credit bureaus, and Comenity bank- XXXX XXXX XXXX has still NOT resolved or tried to resolve a dispute I have had with them for almost a yr. They took the dispute XXXX XXXX ) out of " dispute status '' and have almost doubled the amount disputed with their interest they tacked on. Comenity bank asked for " extras '' which were provided several times after I could not resolve the problems with the merchants in person on my own. After I have sent these " extras " to Comenity, they charged my card back, and/or refused to credit the items I disputed without any reason for doing so. I have never received any documentation that they ( Comenity ) even tried to contact the merchants on my behalf for the problems with the purchases and non-credited return XXXX billing error because the customer service rep. missed crediting items the store took back and have in their possession without any refund to me XXXX. I have gone to the merchants on my own and simply told they couldn't do anything " now ''. I further sent the quality pledge and subsequent policy that reneged on that store 's policy that was enforced upon purchasing after I went in person to get the refund. These stores cited " covid 19 '' as the reason for all these problems after they " reopened '' and even had extensions of time implemented for returns. I have tried in good faith to take care of the credits myself and had to turn the matter over to Comenity bank in a dispute for ea. separate matter, and have done so within less than 60 days, and provided documentations supporting, but Comenity has never sent me any documentation of them contacting the merchants or any reason for closing the dispute and tacking on interest. Also note that the complaint I filed against them with still no resolution shows them stating to CFPB that they were working on the complaint but at the same time telling me there " is no dispute '' .. My dispute is the same as was mentioned prior and has never been resolved even though it has been " closed ''. Are there any papers or anything showing they went to the merchant on my behalf within the 2 billing cycles almost a whole year ago when this dispute was started?. There is no documentation from them ( Comenity ) on anything provided to me other than a letter asking for more info that was indeed provided, and on XXXX XXXX, XXXX, I received a letter dated from Comenity dated XXXX XXXX, XXXX after many back and forth emails after they took my dipute out of dipute status with NO notice or reasons why. Comenity is reporting my account past due 120 days and refuse to answer to any of this, and if I call my calls are disconnected over and over even after being told I am being transferred to another department, and also " Covid is making resolutions longer to handle ''. I have been more than patient, and still seek refunds and my credit restored as per my rights ( and Comenity bank 's infringement on them by NOT fairly and timely following through as per the credit card agreement they post in their card billings ea. month XXXX by the Fair Credit Billing Act.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is a complaint against Comenity Capital Bank for failure to cooperate with an identity theft investigation. For violations of the Fair Debt Collect Act and the Fair Credit Reporting Act. They are also liable under California Penal Code for their failure to cooperate. Comenity and their assignees have been provided repeated with FTC Identity Theft report number XXXX. They have been repeatedly asked to help in the identity theft investigation ( as noted in the attached letter ). However, as is their pattern, as exemplified by the statement of facts in Gonzales v. Commenity, Commenity has refused to cooperate instead going to the extreme of filing a lawsuit against me in the state of Arizona falsely claiming they are owed {$4000.00} on a contract executed in Arizona. On XX/XX/2021 I sent them a letter from my residence in the state of California asking them to cooperate with the identity theft investigation begun with FTC Report XXXX by providing the following documents : A copy of the original signed application Signed charge receipts for the {$4000.00} in alleged charges Proof of delivery of any merchandise charged to the account Any other pertinent identifying information. As a California resident, in addition to federal protections, California Penal Code Section 503.8 allows Comenity 10 days to provide that information before facing a {$100.00} per day civil damage accrual. In my letter ( attached ) I gave Comenity three additional days to provide that information. That time has expired and nothing has been provided -- although in that time they did serve me with their lawsuit with their fraudulent claims about a contract being executed in Arizona. I have of course, at great expense filed a response and a counterclaim, but the issue still remains that Comenity is violating federal law that CFPB is charged to enforce.
Company Response:
State: CA
Zip: 93401
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I tried to dispute several items /things on my credit report such as in-accurate personal information-I tried to update my personal information with XXXX online but no such change was made it continues to no change, these item are hurting my credit report not allowing me to fix my credit information/report. is /if there is a solution i would like some help.
Company Response:
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: In XX/XX/XXXX I applied for an XXXX / XXXX XXXX XXXX and was approved. It is backed by Comenity bank. On my XXXX statement I noticed my available credit was XXXX and my limit was XXXX. I called immediately and was told the account was closed but was NOT provided a reason one. They said a letter was mailed out which I did not receive. Finally in XX/XX/XXXX I received a letter stating the account was closed due to a negative relationship with Comenity. I called and was told I could appeal it and message them on my CC log in page. My credit history has NOT changed since XXXX XXXX, in fact it has improved. My XXXX XXXX XXXX was in good standing and paid on time. There are NO other new negative items reported. I pulled all 3 credit bureau reports. This was the e-mail I received " Taking a look at your account, I see it's associated with what Comenity [ Capital ] Bank considers to be a risky financial history. '' Again, I am not sure what account they are referring to, but there is NO NEW information reported since XXXX XXXX. I asked XXXX to re-open my card, because as we know, closing accounts also affects your credit score. XXXX / Comenity refused. This card was open for less than 5 months. If there was something negative, then they should have done their due diligence at the time of my application. Closing a card with a balance reflects poorly on my credit score and is an unfair business practice. I would like this account in GOOD STANDING, re-opened, and a copy of the exact information and date of the item they are referring to. Thanks, XXXX
Company Response:
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity bank/ Victoria 's Secret is reporting a late on my credit file for year of XXXX. Due to the unforeseen events surrounding the Covid Pandemic I was severely financially impacted. Under the federal mandate and CARES act put in place you are not allowed to put late notations on my credit file. I have had an account with you for a very long time and this is extremely disappointing.
Company Response:
State: UT
Zip: 84047
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Bank/Victoria Secret is reporting lates on my credit file. These lates are for the months of XX/XX/20 and XX/XX/20. During these months the pandemic first hit and i was out of work for those couple months i was late on. The pandemic severely impacted my financial situation and i couldn't go back to work even if i wanted to. I have since then made all my payments on time and plan to continue this way. The lates were due to the pandemic hitting us and i am asking that you remove the late remarks from my credit file as making the payment 's was completely out of my hands.
Company Response:
State: UT
Zip: 84116
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2019, a payment was scheduled a day prior to the due date in the amount of {$340.00}. I received a confirmation email at XXXX XXXX stating that the payment will be posted on XX/XX/2019, which is my due date. At this time the information reported to bureaus is that the payment is late. There was no late payment made, and all funds were collected.
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Comenity Bank opened a XXXX XXXX XXXX in my name on XX/XX/2020. I did not open this credit card and never applied for credit from them. I never received a statement with an account number. I never received a credit card nor activated a card. XXXX is requiring an FTC complaint acknowledgment to report the card a fraudulent. When I tried to close the account with the Bank, they refused because I didn't have an account number for the account fraudulently opened in my name. I had to obtain the account number from the credit bureau to close the account with Comenity Bank. Most people wouldn't know enough to get the account number from the credit bureau.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Yesterday XX/XX/XXXX I received a letter stating that my Victoria Secret card ( account ) was closed. My balance on that account is XXXX because I made all my payments on XXXX. Throughout this whole pandemic I manage to make all my payments. I called immediately after receiving the letter. The automatic system asked for my four last from my social security number, once I entered it there was an automated message that stated " If you are calling about your account being closed we will not reopen it take care '' and the phone call hang up. I called again, and this time I did not enter my social security number, I kept saying customer representative, after a while someone came to the phone, this person was extremely rude and told me that probably I did not use my card for more than 12 months ( last time I used my card was on XX/XX/XXXX before having my baby ). I was trying to tell her my side of the story and she right away cut me off and stated if you want to re-open an account is not happening. I told her that I needed to speak to someone else, she put me on hold for about 30 minutes and then the call re-routed to the beginning of the option menu. When I tried to get a customer representative there was silence and no one on the other side. I hung up and called for the 3rd time. I spoke to another representative. I was able to communicate a little better with her but she told me I should send a letter to the bank. I am still very discourage about how everything happened, I would understand if I owed them money, but I never missed a payment ( one late payment ) during a pandemic where I lost so many hours from my job, my father got sick with the virus and was in the hospital for six months. I had a baby, and they wanted me to be thinking about buying Victoria Secret items. It just does not make sense to me at all. It has not been a year since I last used my card since that's the statement that they are going for. Now my credit is going to be affected because of an unfair decision.
Company Response:
State: CT
Zip: 06040
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A