Date Received: 2021-03-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have tried to communicate with XXXX credit card and I continuously receive the run around. I called and spoke with a rep on XX/XX/2020 at around XXXX. I had recently closed my account but, someone that account was still reporting. After researching the information XXXX stated that I should have been informed about whatever the payment cycle is and something regarding paying before the due date. I can't remember exactly what he said. So after the discussion of the account the late payments were going to be removed. That has not happened as of today.
Company Response:
State: MI
Zip: 48088
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have been trying to fix the late payments showing on my Comenity Capital Bank card. I sign in every month to XXXX XXXX XXXX and the months that are showing i am late are the months I sign in but for some reason the wouldnt take my payment. I paid this account that way every month so for this to happen is wrong. I even call XXXX XXXX and they said they can see I login but cant explain why no was payment was taken. I have attached bank statements so you can see there was money in my account to make these payments. The fact that they admitted i login should speak volume. Im asking for forgiveness on these late payment do to the mix up that has happen.
Company Response:
State: CA
Zip: 93263
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have a fraudulent account on my credit report that I have never heard of.
Company Response:
State: AZ
Zip: 85022
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2021, one of my creditors, Comenity BankXXXX, submitted an unauthorized payment in the amount of {$33.00} to my bank, XXXX XXXX XXXX XXXX XXXX ( XXXX ). I never authorized Comentiy BankXXXX to submit that payment on my behalf. I did not have that amount of money in my XXXX checking account when the payment was submitted, thus XXXX levied a {$30.00} Return Item Fee - ACH on my account, which rendered me with a negative checking account balance. So, on the evening of XX/XX/2021, I called Comenity BankXXXX to inquire about the unauthorized payment. After being transferred amongst representatives, and being placed on extended holds, their best option was to remove my online Comenity Bank/XXXX account, then recreate it. They suggested that my account may have been breached by a family member, or that an authorized account user submitted that payment. I do not have any authorized users on my Comenity Bank/XXXX account, and none of my family members has access to my online account or bank information. Additionally, I tried unsuccessfully to login to my Comenity Bank/XXXX account on Friday, XX/XX/2021, and then again on Wednesday, XX/XX/2021, but I was locked out. My username and password combinations did not work. I tried to use their automated system to reset my password, but it did not recognize my username. Interestingly, my username was valid because one of the Comenity Bank/XXXX representatives stated to me that it was correct. Consequently, I was never able to log into my account again to see when and where the payments were being setup. Then, the Comenity Bank/XXXX representatives suggested to me that I was enrolled in their Hardship Program because I was late on my payments. I do not recall enrolling into their Hardship Program, and I definitely did not schedule an automatic payment for XX/XX/XXXX. Today, XX/XX/2021, I received another {$30.00} Return Item Fee - ACH from XXXX, because another Comenity BankXXXX payment was attempted. This action has pushed my checking account further negative. In addition, I do not recall any past attempts to collect funds during consecutive days - there normally exists a several days gap before payments are attempted to be deducted from my bank account. Ultimately, I want to recoup any all fees and/or fines that may be levied against Comenity Bank/XXXX and XXXX XXXX XXXX XXXX XXXX I will be submitting a separate complaint against XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 08638
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: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I purchased a couple of chairs from camping World, they then sent me a XXXX XXXX credit card through Comenity Bank that I did not apply for, and I do not want. I called and all I got was automated system and got to close it out but says they don't report it as customers request ... .and then finally I got to get to a representative and they're going to report unsolicited to the credit bureau in the meantime I'm in the process of doing a home equity loan and I surely hope this doesn't cause an issue.
Company Response:
State: FL
Zip: XXXXX
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: 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: XX/XX/2021 capital XXXX sent inaccurate information there is proof my account was XXXX through bankruptcy and I received my title and dont owe any money they said they would delete from credit bureau I spoke with deep and another rep I cant remember his name the Transunion has been deleted they have broken the bankruptcy law by reporting this amount after being XXXX from bankruptcy and title received I will be filing an complaint also with the attorney general and I have emailed XXXX XXXX XXXX requesting this to be deleted due to reporting inaccurate information ... ... Victoria Secret has provided proof I dont have an account with them
Company Response:
State: TN
Zip: XXXXX
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: 2021-03-03
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: 15236
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: So, I opened an XXXX Credit card through Comenity Bank. They make it to where you can't pay in person, only via their website or phone. There have been multiple occasions where I made the payment on time, but there was an issue with their servers or for some reason it wasn't processed. I don't have good cell service where I live, so I could only pay it via online. They charge all these " late fees '' because there were " technical issues '' on their side. My limit was {$200.00} and despite everything I paid including all the late fees, I owe {$600.00}. This was also settled but then the bank opened it back up and sold the collection. XXXX will not send me the entire transaction history for this account. They send me a couple random dates? This has ruined my credit and made my life as a single mom very hard.
Company Response:
State: TN
Zip: 37660
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
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: OH
Zip: 44146
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A