Date Received: 2021-04-06
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: Background : My wife would make the 20 mile drive from our home in XXXX Oregon to the XXXX XXXX clothing store once or twice a month since they first opened in XXXX. She was happy to see them open again during the Covid 19 lockdown then very disappointed to find the store closed & empty when I went there mid XX/XX/XXXX. I learned XXXX declared bankruptcy and was taken over by a company called XXXX ( XXXX ). I called XXXX and learned customers could still order clothing online so my wife went online to the website and ordered what she believed to be XXXX clothing. Upon receiving the clothing it was a lesser quality XXXX & XXXX clothing. XXXX I Received a credit card bill from Comenity Bank/XXXX ( CB/XXXX in the amount of {$100.00} the amount of the partial order of clothing that I returned on XXXX. I called CB/XXXX and spoke with XXXX. I explained to XXXX that Id returned the clothing and didnt owe this amount. I gave her the XXXX Tracking Number and asked her to place this amount in dispute. XXXX transferred me to XXXX. I relayed the same information that Id given to XXXX and gave XXXX the date & time XXXX Confirmation showing they delivered the returned clothing to XXXX on XXXX at XXXX XXXX. XXXX said that nothing in her system shows the clothing was returned so she couldnt help me. She said I needed to contact XXXX directly to get this sorted out. XXXX said Unfortunately theyre closed at this time so youll have to call them tomorrow. '' XXXX Called XXXX and spoke with XXXX. I gave him the history and all of the information provided above, XXXX tracking Number and XXXX Delivery Confirmation when XXXX received the returned clothing. I told XXXX You have all of the information you need to fix this matter. Im leaving it in your capable hands. I dont want to have to deal with this again. XXXX Received notification from XXXX XXXX that CB/XXXX reported to XXXX & XXXX that I had not made the XX/XX/XXXX credit card payment. I'm still being billed for the returned clothing, late fees & interest. CB/XXXX had not placed the disputed amount on hold as Id requested. My credit score dropped from XXXX to XXXX ( XXXX ) and XXXX to XXXX ( XXXX ). XXXX Contacted XXXX, spoke with XXXX, filed a dispute against the false information XXXX reported to XXXX that I missed the XX/XX/XXXX credit card payment. Confirmation No. XXXX. Sought legal council to learn our options to remedy the matter involving CB/XXXX for disregarding the Federal Credit Card Act, reporting false information against me to a credit reporting agency, & damaging our excellent long held credit history. XXXX XXXX XXXX Received a call from CB Rep XXXX asking why I hadnt made the XXXX payment. XXXX said I now oI CB/XXXX {$190.00} ( {$91.00} late fees & interest ). I gave her the information they already had on file & she said I needed to contact XXXX again that she couldnt do anything about the outstanding balance. He told XXXX he wasnt going to do their job for them and she hung up on him. XXXX Called XXXX spoke with XXXX. Before I could give her any information XXXX hung the phone up on him. XXXX I called XXXX back - spoke with XXXX. I could not understand her so she transferred him to XXXX XXXX who transferred him to XXXX a supervisor. I provided XXXX with all of the information that they already had on file. I pleaded with XXXX to resolve this matter once and for all. XXXX Received an email from XXXX Customer Service XXXX stating XXXX had refunded the return label fee for the clothing that I returned. She wrote Comenity Bank who bills you is able to credit back any interest and late charges that they charged you. Note : At this juncture I believed the matter was resolved. I thought someone at XXXX had finally done something. I was wrong ... XXXX Contacted XXXX, spoke with XXXX. Filed an online dispute. XXXX will contact CB/XXXX to correct the mistake within 7 to 10 days. XXXX Received a credit card bill with additional interest & late fees. Called CB and spoke with XXXX. She transferred me to XXXX in the Collection Department who transferred me to Manager XXXX. XXXX said they have no information about the returned clothing and our account is in collections. I Int over the entire sequence of events and XXXX asked me to send her copies of the XXXX tracking information that Id already provided CB/XXXX representatives. I scanned and submitted the documents directly on their Ibsite that day. XXXX Received notification from XXXX XXXX that the credit scores had been corrected. CB/XXXX had removed the false missed payment report. XXXX Received notification from XXXX XXXX that CB had reported a second time to XXXX that our CB/XXXX credit card account was past due in XX/XX/XXXX and I credit score was hit again. They falsely reported I now {$300.00} on the account. I called CB & spoke with XXXX in Collections who transferred me back to XXXX in Customer Care. I asked XXXX why Comenity Bank reported this false information to XXXX when this matter had been in dispute since XXXX when I first reported a problem. XXXX stated Comenity Bank did not place this into dispute until XXXX after it Int into collections. She said they will make a determination within 30 to 60 days from XXXX. CB/XXXX agents completely ignored all of the information Id provided. XXXX CB/XXXX Reported to XXXX, XXXX, XXXX that my XX/XX/XXXX payment was 30 days late even though they claimed to have placed the amount into dispute on XXXX. XXXX CB/XXXX Reported to XXXX, XXXX, XXXX that my XX/XX/XXXX payment was 30 days late even though they claimed to have placed the amount into dispute on XXXX. XXXX CB/XXXX Reported to XXXX XXXX XXXX that my XX/XX/XXXX payment was 30 days late even though they claimed to have placed the amount into dispute on XXXX. Background : My wife would make the 20 mile drive from our home in XXXX Oregon to the XXXX XXXX clothing store once or twice a month since they first opened in XXXX. She was happy to see them open again during the Covid 19 lockdown then very disappointed to find the store closed & empty when I went there mid XX/XX/XXXX. I learned XXXX declared bankruptcy and was taken over by a company called XXXX ( XXXX ). I called XXXX and learned customers could still order clothing online so my wife went online to the website and ordered what she believed to be XXXX clothing. Upon receiving the clothing was a lesser quality XXXX & XXXX clothing. XXXX I Received a credit card bill from Comenity Bank/XXXX ( CB/XXXX in the amount of {$100.00} the amount of the partial order of clothing that I returned on XXXX. I called CB/XXXX and spoke with XXXX. I explained to XXXX that Id returned the clothing and didnt owe this amount. I gave her the XXXX Tracking Number and asked her to place this amount in dispute. XXXX transferred me to XXXX. I relayed the same information that Id given to XXXX and gave XXXX the date & time XXXX Confirmation showing they delivered the returned clothing to XXXX on XXXX at XXXX am. XXXX said that nothing in her system shows the clothing was returned so she couldnt help me. She said I needed to contact FB directly to get this sorted out. XXXX said Unfortunately theyre closed at this time so youll have to call them tomorrow. '' XXXX Called FB and spoke with XXXX. I gave him the history and all of the information provided above, XXXX tracking Number and XXXX Delivery Confirmation when XXXX received the returned clothing. I told XXXX You have all of the information you need to fix this matter. Im leaving it in your capable hands. I dont want to have to deal with this again. XXXX Received notification from XXXX XXXX that CB/XXXX reported to XXXX & XXXX that I had not made the XX/XX/XXXX credit card payment. I'm still being billed for the returned clothing, late fees & interest. CBXXXX had not placed the disputed amount on hold as Id requested. My credit score dropped from XXXX to XXXX ( XXXX ) and XXXX to XXXX ( XXXX ). XXXX Contacted XXXX, spoke with XXXX, filed a dispute against the false information CB reported to XXXX that I missed the XX/XX/XXXX credit card payment. Confirmation No. XXXX. Sought legal council to learn our options to remedy the matter involving CB/XXXX for disregarding the Federal Credit Card Act, reporting false information against me to a credit reporting agency, & damaging our excellent long held credit history. XXXX XXXX PM Received a call from CB XXXX XXXX asking why I hadnt made the XXXX payment. XXXX said I now oI CB/XXXX {$190.00} ( {$91.00} late fees & interest ). I gave her the information they already had on file & she said I needed to contact XXXX again that she couldnt do anything about the outstanding balance. He told XXXX he wasnt going to do their job for them and she hung up on him. XXXX Called XXXX spoke with XXXX. Before I could give her any information XXXX hung the phone up on him. XXXX I called XXXX back - spoke with XXXX. I could not understand her so she transferred him to XXXX XXXX who transferred him to XXXX a supervisor. I provided XXXX with all of the information that they already had on file. I pleaded with XXXX to resolve this matter once and for all. XXXX Received an email from XXXX Customer Service XXXX stating XXXX had refunded the return label fee for the clothing that I returned. She wrote Comenity Bank who bills you is able to credit back any interest and late charges that they charged you. Note : At this juncture I believed the matter was resolved. I thought someone at XXXX had finally done something. I was wrong ... XXXX Contacted XXXX, spoke with XXXX. Filed an online dispute. XXXX will contact CB/XXXX to correct the mistake within 7 to 10 days. XXXX Received a credit card bill with additional interest & late fees. Called CB and spoke with XXXX. She transferred me to XXXX in the Collection Department who transferred me to Manager XXXX. XXXX said they have no information about the returned clothing and our account is in collections. I Int over the entire sequence of events and XXXX asked me to send her copies of the XXXX tracking information that Id already provided CB/XXXX representatives. I scanned and submitted the documents directly on their Ibsite that day. XXXX Received notification from XXXX XXXX that the credit scores had been corrected. CB/XXXX had removed the false missed payment report. XXXX Received notification from XXXX XXXX that CB had reported a second time to XXXX that our CB/XXXX credit card account was past due in XX/XX/XXXX and I credit score was hit again. They falsely reported I now {$300.00} on the account. I called CB & spoke with XXXX in Collections who transferred me back to XXXX in Customer Care. I asked XXXX why Comenity Bank reported this false information to XXXX when this matter had been in dispute since XXXX when I first reported a problem. XXXX stated Comenity Bank did not place this into dispute until XXXX after it Int into collections. She said they will make a determination within 30 to 60 days from XXXX. CB/XXXX agents completely ignored all of the information Id provided. XXXX CB/XXXX Reported to XXXX XXXX XXXX that my XX/XX/XXXX payment was 30 days late even though they claimed to have placed the amount into dispute on XXXX. XXXX CB/XXXX Reported to TXXXX XXXX XXXX that my XX/XX/XXXX payment was 30 days late even though they claimed to have placed the amount into dispute on XXXX. XXXX CB/XXXX Reported to XXXX XXXX XXXX that my XX/XX/XXXX payment was 30 days late even though they claimed to have placed the amount into dispute on XXXX.
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payments on XXXX and XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2015 amount owed is {$410.00}. I have filed an identity theft report.
Company Response:
State: IL
Zip: 61107
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
Company Response:
State: GA
Zip: 31021
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2021 I submitted a dispute in regards to Fraudulent items that have appeared on my XXXX and XXXX credit report. XXXX and XXXX has been aware of me being a victim of identity theft since XXXX of the same year as I submitted my True Identity Credentials and my Law Enforcement validation of my claim. After doing all of this in respect to the reporting agency 's protocol and the requirements of FCRA 605b. The following are accounts and inquiries in complaint : XXXX XXXX XXXX XXXX Account # XXXX
Company Response:
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I attempted to pay Wayfair account before services mailed my first statement. The day I received the statement I paid the Bill in full. The next month I received a late payment fee. I called to request it to be waived. I was told due to Wayfair and XXXX dissolving their partnership they would not waive. I called more than once, and no resolution. Mail in my area was delayed due to COVid-19, with the post office being shut down. Every month I got an additional late fee and report to my credit bureau. I filed a previous a complaint with CFPB. In the mean time I continued to resolve the problem until one person at XXXX threatened me. Stating that it was mot his fault I didnt pay my bills, and that I could pay {$75.00} today and no other offers would be given to me. ( I had explained I was waiting for CFPB, and he continued to talk threaten me. ) this person also stated he knew when I received my bill, but clearly did not ... and continued to say I failed to pay my Bill or listen to me. This account has now ruined my credit score that I have spent the last 3 years repairing. As a consumer, I was at their mercy to do the right thing, they did not. I thought the CFPB was to protect consumers like me? Last week I was able to speak with an XXXX rep and he cleared up my account balance. Now, Im left with a suffering credit score. What recourse do I have? How can XXXX be responsible for the actions and comments of its staff. I tried to resolve this situation as soon as it happened. And I feel it should be illegal they way I am being treated. How can XXXX be forced to revise my credit reporting?
Company Response:
State: MI
Zip: 48390
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Company Response:
State: TN
Zip: 38141
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, I sent Comenity Bank a letter because I have an open credit card with them through XXXX XXXX. On XX/XX/XXXX, the company informed me they would place me on to a forgiveness program due to Covid 19 and because I had lost my job. They then informed me I did not have to make a payment until XX/XX/XXXX. Now due to covid-19 forbearance program regulations, it states that no late payments are to be reported to the financial credit bureaus during the time of Covid 's forbearance period.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Comenity Bank/Lane Bryant has violated all of my consumer credit rights. Attached, are the documents I sent them, notarized affidavit of truth proving the facts, and my certified mail receipt copies. They have XXXX days to send me my remedy. On XX/XX/XXXX I sent them a Cease and Desist, Invoice for XXXX violations, Affidavit of Truth, and Exhibits. Comenity Bank/Lane Bryant is in violation of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A