Date Received: 2021-03-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: CARD I NEVER USED IS ON MY CREDIT REPORT.
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
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: 02721
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I obtained a " your tuition solution '' credit line to fund my daughters XXXX XXXX XXXX with XXXX. The bank that provided the line of credit in in the amount of {$2700.00} is Comenity Bank under a program - " Comenity Your Tuition Solution ''. Account Number - XXXX. The credit line, effective in XX/XX/XXXX, was a XXXX interest loan provided that I paid a monthly minimum amount and paid off the loan by XX/XX/XXXX. I discovered in XX/XX/XXXX that ( i ) every month, I paid Comenity Bank at least twice ( for most months, 3 times ) the minimum due each month, and ( ii ) Comenity Bank charged a late fee for most months in the total amount ( plus interest ) of {$250.00}. I discovered that even though I paid 363 % of the required minimum for 12 months, XXXX kept charging a monthly " late fee ''. XXXX claims that, even though I paid 2/3 times more than was required each month, they had to charge late fee because they received my funds late. My records ( see Exh ) show that my bank ( XXXX ) debited my account on XXXX of each month in vast majority of cases, which was 5 days earlier than the Comenity due date of XXXX. My records also show that certain payments made within 3 days, 4 days, or 5days ( e.g., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX of XXXX 's XXXX deadline were received on time. PLEASE EXHIBIT. Comenity Bank has failed to explain why certain payments made within 3/4/5 days were timely while other payments made within 3/4/5 days were late and deserving of late fees. I have informed XXXX that the only logical explanation is that they ( Comenity ) experience Operational challenges and I should not be penalized for that. Upon raising this issue with XXXX in XXXX, they reversed the inappropriate " late fee '' charge for XXXX but have refused to reverse the charges for the other months.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: New York and company is reporting twice. Ive asked them to remove the error. I was told well if you pay your debt it will probably update. How can they report the same account twice with different amounts and payment dates? She yelled and disconnected the call.
Company Response:
State: LA
Zip: 71106
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: 2021-03-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX, I paid for a BJ 's membership and when asked if I wanted a BJ 's master card - I specifically said No. However, a card was issued anyway. Once I received the card, I immediately canceled it. Despite the cancellation, I continued to received ongoing bills for annual fee and later on late fees. I contacted Comenity Bank on XX/XX/XXXX ; XX/XX/XXXX ; and again on XX/XX/XXXX and most recently on XXXX- a late fee of {$16.00}. I was told I have been credited the annual fee, however, I am still receiving a bill for late fees. I was told on XX/XX/XXXX By XXXX, that he would escalate my concern and the late would be removed. Although on XX/XX/XXXX, I received another bill for a late dated XX/XX/XXXX with a late fee of {$19.00}. I am requesting assistance with closing this matter permanently and all late fees removed.
Company Response:
State: NY
Zip: 14225
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
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: 310XX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
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: 310XX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have filed multiple disputes with XXXX concerning an unauthorized hard inquiry ( Comenity bank/XXXX XXXX Acct # XXXX ) and an unauthorized collection account ( XXXX XXXX Acct # XXXX ) {$1100.00} on my credit report. On XX/XX/XXXX, I sent my second round of disputes and the collection came back verified. On XX/XX/XXXX, I sent my third round of disputes and on XX/XX/XXXX, I received partial investigation results from XXXX that the hard inquiry and collection account was verified. This is a lie because on XX/XX/XXXX, Comenity Bank sent me a letter and also sent a letter to XXXX saying " After review of the XXXX XXXX Reward claim, we have concluded that you are not responsible for the disputed account. '' Also, the letter stated that they submitted a request to XXXX to remove this off my credit report. This is evidence from the creditor stating that the account isn't mine, so how does XXXX continue to say the hard inquiry is verified? That's a lie! Additionally, since XXXX would not remove the collection account off my credit report, I filed a XXXX complaint on XX/XX/XXXX on XXXX XXXX for having an unauthorized account on my XXXX credit report and on XX/XX/XXXX XXXX XXXX responded to the XXXX complaint stating, " We have no record of any disputes or communications with such complaint. However, today we submitted a deletion request to the credit bureau. '' This is evidence that the collection account needs to be deleted immediately. If the creditor has no record of three rounds of disputes, this lets me know that XXXX is not sending my dispute letters to each creditor and just annotating " verified '' on the investigation results when it wasn't verified. This is really starting to irritate me. I am also a victim of the XXXX data breach. This hard inquiry and collection need to be removed from my XXXX credit report today!
Company Response:
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: CB XXXX is in violation of Title 15 1681 Section 2 8E ( 3 ) for failure to respond to my dispute of Alleged Charged Off Account XXXX which accused them of furnishing inaccurate data on my credit report. They are also in violation of Title 15 1681-S2-1 ( B ) for reporting information after notice and confirmation of errors My dispute was received by their company on XX/XX/2021. I am yet to receive a response from them, yet this alleged charged off item is still on my credit report I demand you to delete it immediately from all credit reporting agencies
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I payed this company comenity bank XXXX XXXXXXXX for a XXXX card in full in 2018 also a XXXX card. I payed the accounts for deletion & they have not been deleted from my credit reports. I think its very unfair that I payed these debts 3 years ago in full and it is still affecting me. Although when I became behind on these cards I reached out to them and let them know that I had lost my job because the company was sold and everyone stayed out of a job. They hit me with sooo many fees I still payed the accounts in full when I was able to do so. If I would have known that they were not going to keep their word and delete them from my credit reports, I would have simply not payed them. Its affecting me the same as before I payed it.
Company Response:
State: NY
Zip: 10463
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A