Date Received: 2021-04-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid off my XXXX credit card in full on XXXX the XXXX with a telephone representative of Comenity {$1200.00} The amount was processed and they provided me with a confirmation number and my credit union placed a pending payment notice on my account. About a week later the moneys were still in my account and I emailed Comenity requesting that they take the money and credit my account and show as paid in full no balance due as of XXXX the XXXX. I did not receive any response, I later called them directly and was told my account was in default and my payment was returned for insufficient funds .... I HAD {$100000.00} in my account the day of my payment and {$90000.00} on XX/XX/XXXX, the day that I spoke to the representative. I ended the call and immediately resubmitted my payment of {$1200.00} via the Boscovs/Comenity app and later in the week I called to speak to someone and inquired about my account and confirmation of payment issued to them. I spoke to first an incompetent XXXX, then called back and demanded a billing supervisor, I spoke to her and was told that I submitted my bank account number missing one digit ... XXXX I expressed disbelief and was told that she would open an investigation and review the recorded conversation on XX/XX/XXXX to confirm that it was I that was responsible for the error and that I am liable for the late payment fee as well as the additional interest accrued on the balance due, I still have no response to my inquiries. Today I checked my credit card account and I am being charged again for late fees and interest credit accrued again, even though there was a dispute filed. One. I paid off the account balance entirely on XX/XX/XXXX and Two. I do not owe anything more on the account. I want my account to show paid in full on XX/XX/XXXX and to be reported as such to all credit reporting agencies.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
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: 02301
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hi XXXX ; I never had any relationship with you nor the original creditor Comenity Bank! But Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I tried to dispute this on the XX/XX/XXXX credit site but was unable to do so. No phone number for Commenity Bank was provided onXX/XX/XXXX
Company Response:
State: CA
Zip: 95391
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi there, the early part of the month of XX/XX/2020 I contacted comenity bank/big lots, advising them ive been out of work due to covid, the representative explain there was a hardship program that I can pay XXXX XXXX month with no interest. Which I happily agreed. I proceeded to make payment., she set up my payment and advise payment wont be due until XX/XX/2020. I advise her my credit score was over 700 and needed to salvage my credit during this hard times and rep rest assure that i can take advantage of payments and It wont reflect negative on my credit report. Fast forward to XXXX 2020 i notice on my XXXX XXXX that there was a late for XXXX, i contacted comentiy again talk to a manager and said they will correct issue and delete late from my credit report. I just recently pulled a credit report yesterday and notice it was not remove.
Company Response:
State: FL
Zip: 34772
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX we called Comenity Bank ( XXXX ) to pay our card in full and close the account. We asked for the full amount due and paid the full balance of {$2400.00} and asked that our account was closed which it was. The next month on XX/XX/XXXX we received a statement showing a balance of {$39.00} for a late fee charged XX/XX/XXXX, the day before we payed off the card. We called customer service they apologized for the error and we were told it was taken care of and went about the craziness of pandemic life the next months not knowing they did not resolve the {$39.00}. So it began accruing interest. Upon pulling a credit report so that we could begin buying a home we realized there had been late payments for those months in between reported to the credit bureaus. We called multiple times and customer service could not help us with this although the did apologize again, after it was totally erroneous and on XX/XX/XXXX customer service refunded the late fees, the interest, and the balance resulting in a {$0.00} balance. It took us a very long time to figure out how or who to contact with XXXX about the erroneous late fee on credit report. We finally found out they had a special department so XX/XX/XXXX we sent a letter with all the materials and documents including statements, account showing credits, etc and have yet to hear from them. We can not get approved for a home because of how recent the late charges are on our credit report. We are devastated that this error resulting from the {$39.00} charge that was not removed ( or we would have just paid it had they told us to when we called after we paid off the full amount of {$2400.00} in XXXX of XXXX but they told us not to bc it was their error! ) has left us unable to get approved.
Company Response:
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Company Response:
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid the account off in full per what the app said was due. The next month I got a statement for a fee. I called in because I had never been late nor had any fees. I was told I paid a day late. I asked if the fee could be waived because I paid the entire balance showing due on the app. I was told I would be contacted. I was never contacted until 8 months later. I was called and told I had an almost {$700.00} balance. I again explained the entire situation to the rep. i was on the phone with him for over an hour. He even stated the fees on the account were not correct but he wasn't allowed to touch my account. I have been charged fees on fees for something that was paid off. I never received any statements. I always paid what the app said I owed.
Company Response:
State: GA
Zip: 30120
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX XXXX Credit Card : I received credit card and utilized an estimate of {$300.00}. I was making my regular payments of {$29.00} per month. I paid the {$29.00} for approximately XXXX XXXX XXXX XXXX months. Unbeknown to me the payment was changed from {$29.00} to {$42.00} even though I continued to pay the {$29.00}. Once the payment changed to {$42.00} and my payment of {$29.00} was received I was billed a {$13.00} negative amount and the account was closed for late and less than what I owed. I never receive a request to pay {$42.00} instead of {$29.00}. However, a negative report was sent to the credit bureau and caused my score to drop XXXX points because the card was close. After the account closed and XXXX XXXX dropped it dropped another XXXX points. This has caused a negative effect on my credit. I want XXXX XXXX to correct the credit report and explain why my payment was increased without my knowledge. Especially since the payments was made in the correct amount for over months. Now I continue to get advertisements and I want that to cease and desist. XXXX XXXX even sent me a copy of the credit card that they closed.
Company Response:
State: NC
Zip: 27565
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A