Date Received: 2021-04-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Account was closed in XXXX of 2020. I had no knowledge of this account being opened and it was not mine. They closed account but they continue to call me and try to raise the amount of collection on closed account.
Company Response:
State: CA
Zip: 95610
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Date XXXX i was notified by XXXX XXXX that this account was considered a " Charge Off '' I looked into this, and i have no idea what this account is or why it is associated with me. I was never once notified that there was an account open or a balance due, and now I am finding out there is a charge off which is negatively impacting my credit rating.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against XXXX/Comenity/Wayfair. XXXX has placed false fraudulent information onto my credit files, and I want all of this false fraudulent information removed from all of my credit files. I am attaching a copy of my credit report, and the report clearly shows that Comenity has falsified information. For starters, I am disputing the {$1700.00} dollars that Comenity claims that I owe to them, I do not owe that money. Comenity has run up that balance themselves, with their usury interest charges and fees. I have had no dealings with Comenity since around XXXX or XXXX of XXXX, yet by what the credit report shows, Comenity has lied and claimed that I made a recent {$41.00} payment to them on this balance that I do not owe, and I have made no such payment. They are showing on the report as though I had dealings with them in XXXX, and that is in no way truthful. Comenity has manipulated the status data with the dates and amounts to justify this false balance that they are trying to charge me for. In the comment area of the report, Comenity is showing that they have another lender who has purchased this debt, and I have disputed this debt with Comenity before. Comenity continues to pass on this fraudulent information onto other collection agencies that are listing themselves onto my credit files as well, with these collectors not verifying the debt with me, they are listing both themselves, as well as Comenity with this debt, on my credit files, and I disputed with the collectors, and they as well as Comenity both continue to be listed on my credit files. I requested from the credit bureaus a copy of my credit reports, and this is how I learned about the collections being placed onto my credit files. My credit rating is being destroyed twice, by both Comenity, and the collection agencies reporting this false inaccurate information. Comenity is being malicious, they are intentionally slandering my credit, and they know that I did not run up that debt that they are ruining my financial life with. I want XXXX/Comenity/Wayfair, and their collectors, to cease and desist from harassing me. Any communication from, XXXX/Comenity/Wayfair can go through the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me.
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: i've been paying off a credit card slowly because that product they provided broke and ripped and i told them and they provided me no credit so i still have to pay off this card. i'm getting angry, so i refused to pay, and they will not stop calling me today it's sunday by the way. they called me at XXXX - XXXX and XXXX already and it's XXXX XXXX XXXX on sunday XX/XX/XXXX. they did this every day two months ago 10 times a day for a month and i endured it but i've had ENOUGH. this is HARRASMENT, once a day is fine but 10 times for two months? for the love of XXXX there name is comenity bank, victoria 's secret. they are harassing me.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have been using the Comenity Capital Bank Bjs Mastercard for more than 5 years, always paying on time, the financial charge is very high. I am trying to pay the total of the current balance quicker and tried calling on Friday, XX/XX/XXXX, XXXX to ask for options to reduce the interest and be able to pay it all, after waiting for more than 30 minutes the first representative didn't help and instead offer more services, then transferred me to the wrong department, this person couldn't help me and I had to call again, the second person wasn't helpful because technical problems, I called again and the third person told me she was not able to help me and transferred me to another department. After two hours of waiting I didn't receive any help.
Company Response:
State: NY
Zip: 11520
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I requested that late payments be removed due to my family being infected with the XXXX and they have not been removed. I requested the removal of late payments through credit bureau disputes and online through the credit card company messaging center. My account is currently paid off and the 4 late payments from XX/XX/2020 to XX/XX/2020 are greatly impacting my credit score. Prior to the pandemic I did not have any late payments on my account. Once I received my stimulus check I started making regular payments.
Company Response:
State: LA
Zip: 70126
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I disputed a duplicate account with XXXX and it came back updated. This account is listed twice by 2 different creditors. I disputed the old creditor first, as it was sold debt, they did not remove it. I disputed the new account and they are still reporting both debts. This is the same debt. They are also increasing the amount owed by a dollar regularly. The amount of the debt keeps increasing, which is leaving an incorrect balance on my report. I wish to have one of the accounts removed. XXXX XXXX is the new acct holder and is reporting a balance of XXXX, On my report under XXXX XXXX 's information, it shows that comenity/stage is the original creditor, which leads to comenity/stage as the duplicate entry, also reporting the same amount of XXXX, in which they wrote and sold the debt. the original amount owed on this account is XXXX, after payments were made in good faith to comenity in 2018. They then sold the debt for the amount owed before the payments posted and has been accruing interest (? ) ever since. The bureau did not actually investigate as the results came back in 3 days.
Company Response:
State: LA
Zip: 70501
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I HAVE AN ACCOUNT WITH VICTORIAS SECRET WHICH WAS PLACED IN COLLECTION, AND SOLD TO ANOTHER COLLECTION AGENCY. HOWEVER IT IS SHOWING UP ON MY CREDIT REPORT TWICE, ONE TO THE ORIGINAL AND ONE TO THE NEW COLLECTION AGENCY.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/21 Comenity Bank closed my Credit Card that was in perfect standing. They cited 'inactivity and/or information ' in my credit report for cause. I had made several purchases over a week before on XX/XX/21. As far as my credit report there was nothing negative about my score or report that should lead to an account being terminated. In fact my credit score and history overall greatly improved since I obtained the Comentiy Card originally. Comenity essentially made a 'mistake ' and thought my account was inactive so they cleared the books before verifying the account was indeed not being used. This all occurred while I was actively shopping for a mortgage which impacted my score due to the closed account, loss of available credit, and as a result of the closure I was forced to pay my balance in full to avoid having a balance with XXXX available which would further damage my score. I brought this to the attention of Comenity on XX/XX/21 and was told nothing could be done but I could write a letter disputing the actions. I wrote a letter of dispute and was again told nothing could be done and they again reference inactivity and/or information in your credit report. I was unfairly targeted because of the incorrect status of 'inactive ' and otherwise my credit report would not have been reviewed, nor would the account have been touched.
Company Response:
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX I wrote to Comenity Bank about a hard squire on my XXXX report that was inaccurate. I never have anyone permission to pull my credit. On XX/XX/XXXX I wrote XXXX and they advised me to contact Comenity bank I called Comenity bank they advise me to contact XXXX!! This is not good they have me going back and fourth and the matter still isnt resolved.. I spoke with a supervisor from Comenity Bank and he said he doesnt see any info pertaining to this matter. I want this inquiry removed immediately. Im not getting proper assistance thank you
Company Response:
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A