Date Received: 2021-02-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing your company today to inform them of the violation of my rights under the laws put in place by congress to protect the consumer. Your company is in direct violation of the Fair Credit reporting act. Section 603 ( 2 ) states the exclusions of the things that should not be reporting on a credit report. A consumer report does not include the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer. Not only that, but it is also a defamation of character reporting this information on my consumer report which pertains to a violation under the FDCPA. My lawyer has told me that these violations are subject to litigation and payment of up to {$1000.00} for each violation. This information comes directly from the 15 USC 1681 so understand if you disregard this information, you are in direct violation of Federal law.
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXXXXXX, XXXX XXXX, and Comenity Bank XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00}. The Account Opened is Comenity Bank XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response:
State: CA
Zip: 90038
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XX/XX/XXXX, Comenity Bank/XXXX XXXX, and XXXX XXXX. The Account Opened is XXXX XXXX XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Comenity XXXX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response:
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My debt owed to XXXX XXXX XXXXComenity Bank was settled in full on XX after meeting with XXXX. XXXX XXXX we agreed to settle the debt without any further help from the courts for {$520.00}. We spoke to the judge very briefly and I was given 30 days to pay the debt ( which I did ), and then a withdrawal would be filed. I paid the debt, the withdrawal was filed, but XXXX/Comenity Bank refuses to remove it from my credit report like we agreed upon and will not update the correct status of my account -- paid or settled for in full. They are reporting that I still owe them a full balance which is false. I've disputed multiple times since I've paid this debt with documentation from XXXX XXXX XXXX ( who deals with Comenity Banks debt collection ) and nothing has changed.
Company Response:
State: CT
Zip: 06066
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This all stemmed from a fraudulent charge from XXXX which closed over a year ago from covid. initially, it took months to resolve which I did after days on the phone with Comenity XXXX Visa. A year later charges appear from XXXX in XXXX NY which we have never stepped foot in ( my husband was a member in XXXX NJ ) and I called Comeninty for weeks and finally got a so-called supervisor in their Fraud dept who said he will block the merchant from further access on my credit card and to pay the bill and I will see the credit next month. I then receive a letter a couple of weeks later from Comenity stating the dispute can not go further as they did not have enough information. I contact them again and speak to a supervisor who informs me there is nothing they can do and the person I spoke to initially who handled it was in fact not a supervisor but a customer service rep. Comenity is supposed to protect their customers from fraudulent activity which clearly is, XXXX XXXX Attorney General has already filed a class-action lawsuit with XXXX ( new XXXX XXXX XXXX XXXX as XXXX XXXX entity of XXXX is under investigation. I finally today was able to speak to someone in a supervisory position " XXXX '' ( the ONLY person to show concern and willing to handle ) who is sending new cards and will follow up. Shame on Comenity Bank XXXX Ohio for their lack of consumer protection and to outright lie about policies, procedures and their personal title/rank within their organization and their neglect to protect their customers with such a public fraudulent merchant as XXXX that the attorney general has filed suit against them.
Company Response:
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I called XXXX to discuss a financial hardship and to question a large charge of {$1500.00} on the account. I was told there was nothing they can to do help but will escalate my inquiry and get back to me within 48 hours. Within that timeframe, not only did I not receive a call back regarding my concerns but they reported me late to the credit bureau and my score was dramatically impacted. I request my account be reviewed under the circumstances of my financial loss of significant income.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
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: Ill try to be brief. A company called CCB/XXXX gives me a loan for $ XXXX. XXXX interest yet makes it very difficult for the customer to make payments. Regularly stating my account can not be found. No auto pay option available and many small ways to limit or hinder an on time payment which in turn causes late fees for past due amounts. Ive addressed this issue with them and they have waived some fees and just recently made it easier for me to make over the phone payments. They state they understand my problem with my account yet now dropped my credit card limit from $ XXXX to {$400.00} bucks. Also I have two late payments on my record now because of the way they do business. They must be upset that Im trying to pay off my balance fast. This is their system and their lack of available payment options and is now causing huge damage to my report. I need help and options please. Thanks in advance
Company Response:
State: TX
Zip: 78572
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
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: CB/VICSCRT XXXX Date Opened XX/XX/2016 Balance {$0.00} Im unsure about the accuracy of this reporting. There are two different dates of date opened and three different dates of last activity reporting. I am certain that this kind of reporting is a violation of the FCRA. Your agency needs to look into this account to verify every single piece of information and to see if this account is verifiable.
Company Response:
State: OH
Zip: 43207
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX - they put a hold on my card because they felt it had a suspicious activity, I have been trying to get in and pay the card off and close the account, they won't give me access to the account online to pay - will charge me {$9.00} to use their services over the phone. Won't just let me pay it off and close it, unless I give them very personal financial information over the phone, my kids names, birthdates, soc sec number, my car make and model ... it doesn't make any sense. I did not report the card stolen, or report any suspicious activity, I have NOT denied any charges. They will not allow me to just pay online and close the account. Most ridiculous experience ever. I do not feel comfortable giving all this information to someone over the phone just so I can pay my bill.
Company Response:
State: MT
Zip: 59102
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I had an account with XXXX XXXX XXXX of Jewelers. My payments were auto drafted from my account. XXXX sold their accounts to Comenity Bank. I never received notice of this change. Because I did things electronically the notices may had gone to my spam account. I called Comenity Bank and they agreed to remove the late charge. They have not. The dates are : Maximum Delinquency of 60 days in XX/XX/XXXX and in XX/XX/XXXX I finally just paid the account in XX/XX/XXXX because I was having so many issues with electronic statements. COMENITYBANK/ XXXX XXXX XXXX XXXX XXXX # XXXX Phone number not available
Company Response:
State: CA
Zip: 95677
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A