Date Received: 2021-03-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted all 3 credit bureaus and the individual creditors involved in this identity theft with a police report. These accounts are still reporting on my credit and I have received no satisfaction or response regarding this from the creditors.
Company Response:
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a credit card from XXXXLNBRYANT account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX/LNBRYANT and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and XXXX/LNBRYANT with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Company Response:
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a credit card from CCB/XXXX account # XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CCB/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late twice. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and CCB/XXXX with no successful resolution. XXXX XXXX and XXXX reporting me 30 days late in XXXX of 2020. There was an error on their part. I was never 30 days late.
Company Response:
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
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've try for the last two years to resolve this account with Comenity Capital Bank and they incorrectly put my account in collections. I went through a financial hardship and try my best to work a payment arrangement with them. Now my account is with XXXX XXXX and XXXX XXXX XXXX. I've called XXXX XXXX XXXX to settle my account and I was hung up on several times. They have the worst customer service. I do not know what else to do. This account is on my credit report as a collections account but XXXX XXXX and XXXX XXXX XXXX are not collection agencies. I want this issue resolved.
Company Response:
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
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 bank allows their users to lock their cards. On XX/XX/2020 I locked my card and stopped any all recurring payments.On XX/XX/2020 I was charged {$34.00} and XX/XX/2020 I was charged {$64.00}. I had trust that Comenity 's system worked, so I did not know about these unauthorized charges until XX/XX/2020 when Comenity sent me an email stating that a technical issue unlocked my card. I confirmed that my card was unlocked and used. I reported this information to Comenity TWICE. Twice they opened a case for me and twice they have decided that they were not at fault. In retaliation, it seems like my credit limit was lowered to a limit of {$750.00}, even through I just paid off {$1000.00} on XX/XX/2020 and have never had a late payment with Comenity.
Company Response:
State: OH
Zip: 43612
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I was charged a {$40.00} late fee, and again on XX/XX/XXXX. My payment had always been due on the XXXX according to my new payment date, this is one day late. Called Comenity Bank and they refused to credit my account!
Company Response:
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/2016 I went to XXXX XXXX for XXXX XXXX XXXX under my chin. I was told about the program at that point 1 session was done. When that session was over I inquired why I still had the grey hairs on my chin I was told XXXX or remove black hairs, and for the grey hairs I would have to purchase another plan on top of this plan I advised agent no I do not want to do that because as you can see 90 % of the hair on my chin are grey, so when I advised her she is now trying to get more money from me know it would not work I want to cancel the contract and pay for services that was just rendered. I was told I would get a call to make that payment she could not take it. About 2 weeks later I got that call to make a payment for {$130.00} and I paid it never received no more calls then about 6 months later started to reflect on my credit for 5 years I have been contacting them with no response then they sold it to XXXX XXXX. This has ruined my credit for 5 plus years, and this is very unfair that companies play these games. That is how I know they got the cancellation I was contacted that 1 time paid and never contacted again they just sold it to collection agency. Having facial issues like this is very depressing, and I thought this would be good, but they gave me fraud information to get more money.
Company Response:
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I contacted Comenity bank via a dispute through the credit bureaus in XX/XX/XXXX to alert them of the fact that I had my identity stolen while I was in XXXX and have been unable to open credit accounts in my name which is a stipulation of my release from federal XXXX. They did nothing but determined that I was responsible for those accounts. I followed that up with more information which was a police report, an identity theft affidavit from the FTC and all identifying information along with a letter requesting to have the accounts reinvestagated. I spoke to XXXXXXXX XXXX account protection case investigations representative on XX/XX/XXXX and she advised me that even though they recieved the documents mentioned above they have still determined that I am responsible for the accounts. Even after I explaind that I was in XXXX for 3 years followed by a XXXX XXXX for a year and XXXX for 5 years after the fact. I can't open any new lines of credit without prior consent from the United States Federal XXXX department. They refuse to remove and stop reporting this fraudulent information from my credit reports. I want this fraudulent negative information removed from my reports. Comenity bank is a horrible bank. The store cards in question are for wayfair and XXXX.
Company Response:
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: To whom it may concern, I am looking to file a complaint against the company Wayfair. This morning I called the company to pay my bill for this month. Which was due XXXX I mistakenly thought today was the 7th and immediately attempted to rectify the situation. Upon calling and speaking with a representative I was informed I'm 2 months behind on payments with 2 months of late fees. This completely blind sided me because I had called and paid last months bill, due XXXX and had received the email confirmation from the company regarding the payment. She tells me that the payment for XXXX was returned, and I was charged a fee for that, the late penalty, etc. She also claims the company informed me of this action. To which I told her I had not been contacted in any manor. No phone calls, no emails, no paperwork in the mail. Legally I believe they're required to notify customers of such events taking place. I have all emails of every payment made to this company as well as all paper bills sent via postal service. How do I proceed? With these issues the amount owed has now gone up by {$150.00} and the date to have the account paid off before accrued interest takes affect is in 2 months. Thank you for your assistance
Company Response:
State: WI
Zip: 53066
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A