Date Received: 2021-02-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2018 my bill did not go through account with missed payment. I am kindly requesting XXXX/XXXX 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: 325XX
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Ive had a XXXX card with Comenity Bank for years. I pay ot religiously every XXXX of the month. That's when I get paid. I'm.XXXX raising an XXXX hear old abandoned child. Had rhe card to buy her clothes. They closed. I do to ie go pay. I sent them a check for XXXX on the XXXX as I always do. I noticed it hadn't been cashed when I called the automated. When I called ... they tried to tell me I owe late fees. Then they told me my account was closed in XXXX. Ive gotten NO response when I asked why. Its as if NOBODY KNOWS. I STRUGGLE BUT I SENT PAYMENT. Trying to pay them off so my credit will be better for this child. I'm so frustrated. Ive spoken to these people since last week. Just to be passed on to other people several times. I cant make another payment. Especially with a late fee. What did they do with my check! My income is XXXX dollars a month. I do the right thing and STILL they're ruining my credit. Pleas please help!
Company Response:
State: IN
Zip: 46750
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is an XXXX XXXX on my XXXX credit report that is not mine - this card was not opened by me and does not appear on my report for any other credit bureau. I only have one account open with XXXX - I have paid it off entirely and never been late. The other card that I don't have any information for, thus is evidently fraudulent is overdue and maxed out. They are alerting me that the company XXXX XXXX XXXX said it is mine, so after the initial dispute they put the card back on my acct ; however, at this point, it is evident that it is fraudulently opened with my social security number. I need to have this account removed and investigated for fraud.
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX - XXXX Inquired on XX/XX/XXXX, XXXX/XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Company Response:
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
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: 02302
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am filing this complaint because Wayfair and XXXX XXXX has ignored my request stop reporting the negative account that was fraudulently opened using my personal information with their company. I have provided them with my police report and identity theft affidavit supporting this. I have also disputed this account on numerous occasions because of the inaccuracies reporting across all the different credit bureaus. Payment dates, open dates, and close dates are not consistent. Way fair is reporting the account as a charged off account and the debt has been sold to XXXX XXXX collection agency. Please resolve this matter as soon as possible. Thank you!
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
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 purchased {$30.00} worth of Childrens clothes with my Childrens Place/Comenity credit card. I made the payment with Comenity, paying off the card. I was unaware that they payment was not completed due to having old banking information store to pay the bill. I was not sent any type of notification even though, I had enrolled in paper statements. A {$30.00} late fee was attached and I noticed that the payment had not gone through my bank and was unaware of why the original payment did not go through, so I tried again to pay the bill ( not knowing that the bank account used to make the payment was a closed bank account stored within Comenity ( account closed due to a recent divorce ). This time, I checked to see if paper statements were turned on and they were still off, so again, I made the change to paper statements. Once again the payment did not go through and I was not notified by paper so another late payment of {$30.00} was applied. Making my total balance {$90.00}. This time, I called customer service and asked them what was going on with my payments, they relayed the information that the bank account info was not correct, therefore not going through, so I was able to get assistance in changing the banking info so that the payment could be pulled from the correct account. I also received assistance changing the statement to paper statements since they still showed electronic. If paper statements had been sent to my house, like I had originally requested, then I would of received the notices/statements and this whole mishap would have been avoided and payments would be reached on time and pulled from the correct bank account. I explained the reason that I need paper statements is because I am XXXX XXXX military, working in the field and when statements are sent, my roommate or mom can notify me of my mail and bills that need to be paid. Since being in the field many times, I don't have access to a computer to check accounts so the papers statements allow my mom, to make the payment for me when I am in the field. Because of this, my credit score dropped 70 points and it went from Excellent credit to Good. I disputed the incident with XXXX and they corrected the late error and my score increased. When I disputed the incident with XXXX, my lowered score stayed the same. When I called Comenity about the issue, they said that there was nothing they could do to assist, that they don't have any way of changing late payment information that is reported to the credit bureau.
Company Response:
State: HI
Zip: 96789
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX, I called XXXX XXXX XXXX Rewards Master Card Comenity Capital Bank in regards to not receiving my credit card and to pay off my balance of {$31.00} + {$0.00} interest = {$32.00}, and employee XXXX took care of this transaction. I was told by him that my account was now at a XXXX balance. I had recently got this credit card to help build my credit on, XX/XX/XXXX. I live in an apartment complex where my mail has been misplaced several times. I have documentation of my previous complaints to the US Postal Service to prove it. On XX/XX/XXXX, I called Comenity Capital Bank in regards to bills I continued to receive after paying my balance off with XXXX on XX/XX/XXXX, that was now a XXXX balance, and spoke to XXXX. I had not purchased anything from XXXX since I signed up for the credit card. Per XXXX, he said that after I paid my balance, a late charge kicked in three days later and thats where the balance on account was coming from. I told him that XXXX never mentioned there was a late charge that was going to show on my statement for the following month, in XXXX. XXXX said that their system mightve not shown the balance at the time of my call. I told him that I thought it was weird that their system wouldnt show this supposed late charge and told him that I wanted to speak to his supervisor to go over that call, since they mentioned to me that the calls are being recorded. I told him that it wasnt fair that they failed to mention this to me and are charging me for something they couldve mentioned to me at the time of my call when I was paying my balance off. I wouldve negotiated something with XXXX at that time so none of this wouldve happen. Again, I was trying to build my credit that I had now managed to get to XXXX. Im a single mother of XXXX. This charge is not right! And it happened during the pandemic when my work hours were cut short. I told XXXX that I was not going to pay the late fee and the new accrued charges that now totaled to {$110.00} and told him I was going to take legal action. I canceled my card with XXXX due to this unfairness and he said that even though I was canceling my card, charges will continue to pile up. I was being harassed every day! I have numerous voicemails that I still have saved. I was getting about 3-4 calls every day. My credit score is now hurting due to this. Since I refused to pay any charges, I have been getting harassed by Comenity Bank. I have numerous voicemails that I havent deleted off my phone. They left me several voicemails saying they will work with me during the pandemic with the payment plan, so, on XX/XX/XXXX, I called Comenity Bank and spoke to XXXX. Again, I was calling to work something out and asked to speak with a supervisor in regards to charges and the pandemic deal they kept harassing me about in the voicemails. XXXX was a very rude lady and said she was a supervisor. She asked if I can pay at least {$60.00} and I told her no and that I felt that I shouldnt have to pay anything because this late charge came after I paid my balance off and was left at a XXXX. She said my bal. that day was now {$140.00} and that an additional late charge was going to kick in, in three days, again. This lady laughed at me after not being able to help me and said that I shouldve just paid my balance when in the beginning and that wouldve been a deal and I wouldnt have to pay as much as the balance now was. A collection company now has this account and continues to hurt my credit when I have done nothing wrong. Amount due now is over {$300.00}. This company is just greedy and obviously will hurt people and their credit just to to try to get something out of it. I would like to take legal action and go to state court to clear my name. I would like for them to present all our recorded conversation for these dates ; XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, to match all my documentation.
Company Response:
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A man named " XXXX '', a Specialist at Comenity Bank per his voicemail dated XX/XX/2021 left a message in a demeaning and harsh tone for me to personally have another party call his office back promptly concerning XXXX XXXX and that he expected a call back noting before XXXX eastern standard time. This party was fully aware I do not have an account with Comenity since he explicitly stated my full name and the party 's full name to whom he was attempting to reach. This is a clear violation of the FDCP section 1692b. He was aware that he was leaving a personal voicemail on a third party 's phone which is a form of disclosure. I am not the account holder nor an attorney for the party he was demanding " I '' have to call his office back. Per his voicemail he said for me to have the third party return his call at XXXX extension XXXX.
Company Response:
State: SC
Zip: 29073
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. COMENITY BANK/XXXX XXXX XXXX XXXX XXXX, 2019 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Company Response:
State: WA
Zip: 99202
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A