Date Received: 2021-04-17
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have two store credit cards offered by comenity bank. My accounts have always been in good standing and I had both cards longer than 1 year. After the shelter in place order went into place in XXXX of XXXX, I was forced to close my small business in XXXX XXXX. I lived off of my savings for 3 months and continued to pay my bills until that income ran out. At that point, I called all credit cards and asked for options. Most of my cards negotiated and my accounts remained current. When I called to negotiate the terms for my XXXX/Wayfair cards, representatives would not reduce late fees. The balance for not paying for a few months on both cards was too much for me to pay. I had to prioritize what little money I had in order to continue to live. A few months later, I applied for unemployment XXXX XX/XX/XXXX ). I then called to negotiate terms for both cards once again, but the representatives said they could not remove late fees resulting in minimum payments I still could not afford on my EDD fixed income ( XXXX XXXX XXXX. Now both card balances have DOUBLED and the minimum/past due balance is more than I receive in unemployment in a month. Not to mention both cards are being reported as charge offs. My credit score has dropped over XXXX points and continues to go down. I have been harassed by phone regarding these cards and honestly can not believe the predatory practices which began during the pandemic. Not only was my business forced to close, I couldn't pay for my bills, I lost my apartment, and now my credit score is ruined. I was forced to stay home because of a XXXX. Banks who most likely received some sort of bailout funding because of financial hardships have no right continuing to add interest and late fees when a person is struggling. ESPECIALLY, if the accountholder was always in good standing when there was no pandemic/shelter in place order.
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
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: Comenity Workers Your previously sent letters of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting additional information that your are in need of, has already been provided many times, online and telephone calls. Though you received your desired information, your further researching of the concerns gets no where, just with asking for the same stuff, which only the same additional information can be provided. Your research gets no where, you are happy to refuse the return of the funds. Also, you offer no fax numbers or e-mail addresses to provide the repeat additional information to you, besides the postal mails and your online, which has been unable to contact to the department Again, here are the same additional information that you desire. XXXX XXXX connected me with XXXX XXXX XXXX mentioned previously. This company supposedly provided repairs to homes as warranty. When using its services, requested claims, they would not respond. Tried reaching them through e-mails and telephone calls with no responses. Then, contacted them to cancel as they were not providing their services. Unable to cancel as they wont respond. XX/XX/XXXX called with e-mails. XX/XX/XXXX {$2200.00} XXXX falsely advertising coverage services which none were ever provided. Contacted through e-mails and calls many times. XXXX Worker XXXX did not call as mentioned. No other XXXX workers ever returned calls or heard from as arranged. XX/XX/XXXX requested cancellations for return of the funds. Comenity has not provided any assistance with this, delayed 2 years now XXXX Any more repeat information, you may contact me through e-mail that you have on file or fax. No postal mails XXXX card
Company Response:
State: CA
Zip: 91754
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: have an account with both XXXX XXXX and XXXX 's clothing store overseen by Comenity Bank. On XX/XX/XXXX. 2021 I looked on both XXXX XXXX XXXX 's website to see what my payment for that month was. I find a letter on each site, show my credit limit was decrease due to my credit report. I would not had looked at website I would not had know why. Also change me a late fee on both account. Didn't gave me my XX/XX/2021 XXXX. Nor receive the XXXX I order which the company say was on back order and i would recovered it in XX/XX/2021 Item : XXXX XXXX posture XXXX order # : XXXX ( I did have a problem with XXXX XXXX XXXX but after filing a complaint with CFPB they reopened my account because the were at fault. Thank you for that and my negative report from them has been reversed. Never had loan or real estate when I was approved for credit. Never had bankruptcy. Only problem with XXXX XXXXXXXX XXXX
Company Response:
State: CA
Zip: 90302
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I sent 1st Letter that was delivered on XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) stating to send me proof that the debt was valid bearing my signature. No communication was sent from XXXX XXXX XXXX. The 2nd letter that was delivered on XX/XX/21 ( XXXX ) XX/XX/21 ( XXXX ) where again I asked them to validate the debt to send me proof bearing my signature nothing was sent. I got a letter from XXXX on XX/XX/21 stating that " we verified that this item belongs to you '' I have never had any type of communications from this company nor received any proof from them to validate this debt which is not mine.
Company Response:
State: CA
Zip: 91331
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Bank is reporting late notations on my credit file that need to be removed. I recently looked at my credit and noticed some late notations on my credit file. Due to Covid and the unforseen events in my life because of it, I was severely financially impacted. I had a very hard time and was very scraping by on bare necessities. I was surprised to see Comenity Bank report any lates at this time since under the CARES act creditors were supposed to take leniency on credit reporting because of hardships surround the pandemic. The bureaus specifically stated they expect consumer reporting agencies to make good faith efforts and have leniency. I ask that Comenity Bank please take leniency on my hardship and remove any XXXX and XXXX lates as a one time goodwill adjustment.
Company Response:
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I had an account with COMENITYBANK/WAYFAIR opened in 2017 the account with XXXX past due worked worked out a payment plan was due to lost of income. Everything is paid they update my account from closed to charged off paid
Company Response:
State: CO
Zip: 80249
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX To whom it may concern, I have reached out to you several times and have ask that you do a proper investigation and provide me with the proper documents of alleged debt. Till this day you have not done so and have refused to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate these items. My previous letters- all sent certified mail- stated my reasons for an investigation and these reasons were not frivolous in anyway. I believe your company has violated several of my consumer rights. Specifically, you : -Failed to validate a debt at my request- FDCPA violation -Continued to report a disputed debt to the CRA- FCRA violation -Continued to attempt to collect a disputed debt- FDCPA violation -Ignored my cease and desist- FDCPA violation Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. The FCRA has a penalty for filing any lawsuit or subsequent court papers that are later determined to have been filed in bad faith or for purposes of harassment. I can show that the CRA, information furnisher, or entity using the information willfully violated its obligations under the FCRA. A willful violation doesn't just mean that you have to prove that the CRA or other entity actually knew that it violated your rights. Rather, it is enough to prove that it was acting recklesslythat is, the CRA or other entity knew or should have known that it was running afoul of the FCRA. This letter will again request that you follow the FDCPA and provide the following : I do mean all 7, request. Validation of Debt Request - Proof of your right to own/collect this alleged debt. - Balance claimed including all fees, interest and penalties. - Contract bearing my ACTUAL personal signature ( Not a Computer Printout ). - License proof to collect debts in my state. - A credit agreement signed by me and you. - Documentation of the chain of custody of all paperwork- in short, proof that the paperwork is accurate and came from the original creditor. - Copy of my NYS Photo ID which is required to open this type of account. This letter is your notice that I dispute the above referenced debt. This is not my account. I do not owe this balance. I did not open this account. This account was opened without my consent or knowledge. I request that you verify this account with all pertinent information, including the original creditors identity principal amount, late charges, interest, and collection costs that have been assessed. Lawyers have ethical responsibilities to their clients, the courts and others that are identified in the New York Rules of Professional Conduct. I feel you and your attorneys have violated my rights and I will defend me and my family by all LEGAL means. A copy of the Rules may be found at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If a lawyer meaningfully violates a Rule of Professional Conduct, he or she is subject to discipline administered by a governmental agency affiliated with the court system. When you believe a lawyer may have violated the Rules of Professional Conduct, you can write a letter to the appropriate Attorney Grievance Committee at Copies of this notice will be sent to all the proper agencys including the ones listed below. ATTORNEY GRIEVANCE COMMITTEE Supreme Court, Appellate Division First Judicial Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX Chief Attorney Departmental Disciplinary Committee Supreme Court, Appellate Division First Judicial Department XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX The Fair Credit Reporting Act ( FCRA ) is a federal statute that protects consumers from any dishonest or immoral credit reporting agency or entity. It promotes accurate reporting, the privacy of sensitive information, and also allows you to pursue compensation for any violations. I will also be checking my credit report to see if you have willfully reported an unverified and disputable alleged debt to the credit bureaus. If so, that will be a violation of the Fair Credit Reporting Act. I will state again If I receive anything other than absolute proof that you removed all marks and comments from my credit file, I will assume you are harassing me and ignoring my letters and I also will be sending copys of this to my State Attorney General, CFPB, XXXX, and the XXXX XXXX XXXX. Thanks XXXX XXXX
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I keep getting calls from Comenity Bank " Ultimate Rewards '' for my sister. I tell them this is not her number but they call back anyway. Today I finally lost it on the lady and asked her how she got my number to begin with. She said they use " XXXX '' that will call all the " potential '' friends and family of a person they are trying to reach in order to find them. Then she had the nerve to ask me for her phone number. I told her to do her job and find it herself. How is it okay for a company to use bots to find and call frends and family of people they are trying to reach. Not only does that create conflict for the friends and family, but it also semi is a privacy concern for that person as everyone knows what " a business matter '' really means.
Company Response:
State: KY
Zip: 40517
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2021 at XXXX ET, I made a phone call from my personal cell phone to Zales / Comenity Support in order to request a credit line increase on my account. With my initial request, I made it clear that I did not want a hard credit inquiry, and I never gave consent to perform one. The representative said that we could do that and we moved on to the process of increasing my limit. He never requested consent to perform a hard inquiry, and if he had, I would have refused consent. Soon after ending that call, I received an email from one of the credit monitoring services that I subscribe to with a notice of a hard credit inquiry from this request. I called the same support number again to request the removal of this inquiry as it was done without my consent. They asked that I submit the claim through a Secure Message dispute, which I did on XX/XX/2021, XXXX ET. I received a response on XX/XX/2021, XXXX ET telling me that they can not do anything and to submit the claim to yet another location. I called Equifax on XX/XX/2021, XXXX ET ( the credit report that this is showing on as of now XXXX, and requested to file a dispute. They informed me to request the inquiry removed from the bank and that I could submit a claim through the FTC.gov website, which directed me here. In one last attempt to speak to someone to help resolve this from Zales/ Comenity Bank , I called Support on XX/XX/2021, XXXX ET. The representative here would not give me any contact details to speak to anyone by phone or contact over email. As such, I am now submitting the claim here for help. I do plan to submit a dispute via mail, but experience and history of such dealings, has led me to believe that this will not be resolved in a timely manner. This is what brings me to submit this complaint here. I never gave consent for Zales/ Comenity Capital Bank to make a hard inquiry on my credit report. As such, the inquiry was done without my consent and should be removed from my credit report.
Company Response:
State: WV
Zip: 255XX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A