Date Received: 2021-03-05
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: 2021-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: XXXX XXXX Account # XXXX asserted collection for Comenity Bank for {$560.00}. This collector continues to report inaccurate information, that is known to them as inaccurate. XXXX XXXX is " recycling '' asserted debt, passed delinquency date in effort to oppress consumers financial standing by exceeding the retention date. Historically, XXXX XXXX has changed the payment history for the purpose of extending the retention date within consumers credit file. In review of my XX/XX/XXXX report and my XX/XX/XXXX XXXX Credit file reveals XXXX XXXX extending this reporting time by an additional 2 years. The actions of this collector is reckless, targeted, and with malice intent.
Company Response:
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX Account # XXXX asserted collection for Comenity Bank Account # XXXX for {$700.00}. This collector continues to report inaccurate information, that is known to them as inaccurate. XXXX XXXX XXXX is " recycling '' asserted debt, passed delinquency date in effort to oppress consumers financial standing by exceeding the retention date. Historically, XXXX XXXX XXXX has changed the payment history for the purpose of extending the retention date within consumers credit file. In review of my XXXX Credit file dated XX/XX/XXXX report versus my XXXX Credit file dated XX/XX/XXXX reveals XXXX XXXX XXXX Account # XXXX extending this reporting time by an additional 3 years. The actions of this collector is reckless, targeted, and with malice intent. The payment history, date opened, date first reported, status, and comment has been falsified in an effort to continue to oppress consumers financial standing. XXXX XXXX XXXX Account # XXXX on behalf of Comenity Bank Account # XXXX had recycled the date of asserted delinquency to continue reporting in excess of the law allowed retention date. This matter has been satisfied since XXXX, four ( 4 ) years prior.
Company Response:
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2020 my bill did not go through account with missed payment. I am kindly requesting COMENITY BANK/VCTRSSEC to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
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 am in the final days of refinancing my home and I had a good credit score but now its dropped XXXX points and now the mortgage company wont approve the refinance. After numerous phone conversations with creditor COMENITY Bank speaking with service reps and supervisors starting XX/XX/2021. They said the issue was resolved but when our mortgage guy checked my credit score it had dropped XXXX points as a result of COMENITY bank not fixing the problem. I called them back on XX/XX/2021, I was told by the credit rep it would take 60 days to remove the low credit score. As a result of the delay we can not get our refinance and as a result our interest rate has gone up XXXX XXXX %. We only have a few days to keep our locked in interest rate. WE NEED THIS ISSUE RESOLVED IMMEDIATELY!! Thank you for your time and consideration in this matter.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I opened a credit card with XXXX through comenity capital Bank. Before opening the credit card I spoke to an agent who told me that I would only owe interest after the promotional period. I asked if that is when it will start to add up and she said yes. I paid my balance until the pandemic hit and now that the pandemic hit, I have no money so I paid the minimum and planned to pay it off right away so I wont accrue too much interest. Instead of being charged interest after the promotional period, I was hit with a fee from the interest I would have paid during the promotional period. After my complaint, they began updating the website to appear as if they weren't hiding that from customers. I XXXX complaints related to my situation and they said they same. I am furious because I asked them to show me mercy and allow me to pay the remaining balance in a lump sum to avoid that hefty charge and they do not care. In a pandemic, credit card companies are preying on people and this is not right.
Company Response:
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: PA
Zip: 15212
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Somebody opened a credit card in my name. I called ( per the instructions on the FTC website ) to resolve this matter and the Fraud Department refused to help me. They stated that I could not verify the correct information ( because I was calling to report fraud, someone fraudulently opened a card in my name ) and refused to help. I gave all my correct information, which would match my credit report or any background check and they proceeded to state I wasn't who I said I was and that the account didn't belong to me. After I was calling to cancel this credit card that was opened fradulently and sent to my parent 's address! And this was the companies fraud department!? The manager refused to help me as well. I first spoke with someone named " XXXX '' then the manager " XXXX ''. Both refused to give last names. " XXXX '' gave an employee # : XXXX.
Company Response:
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dear CFPB, I have experienced a pattern of Credit Inquiries from the following corporations. These inquiries are having an adverse effect on my credit score. Is there a legal, logical reason these companies can make multiple inquiries? How do I make them stop? I can not freeze my credit right now and I have submitted a request for a credit report from all three bureaus. I tried very very hard to access XXXX. I do not know whether it is me, my computer, the ISP ( XXXX XXXX ), but it is impossible to contact anyone there. I have included the dates they pull credit. Most are once per month, some are twice! XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Comenity XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX My score was in the 800s a few years ago. Is it because I am XXXX, middle aged, retired or is it in retaliation for political affiliation? This is clearly an all-out attack by special interest and the government. My cell phone has been ported out, my identity stolen in the past and now I am experiencing multiple technical and financial attacks. Last week, my bank account was breached and money was stolen by XXXX. I sent the bank the email headers and they are investigating it. XXXX, XXXX and XXXX have flooded my emails with bugs, viruses, phishing. My ISP and XXXX are manipulating my websites and blocking them saying I have DNS errors. I have documented all of these events dating back to XXXX. Can you help? Can you point me in the right legal direction? I can not stand much more. Thank you, XXXX
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A