Date Received: 2021-02-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please refer to previous complaint number XXXX Regarding Company Comedity XXXX XXXX. Account was paid in full XX/XX/XXXX. I over paid and received a refund. I wrote and mailed a certified letter to the company Comedity XXXX XXXX to close my account. At my request. I received a letter stating my account was closed due to too many inquiries. I checked my credit report from XXXX. It now indicates a credit score of XXXX. XXXX claimed that the company Comedity had not reported on my account in 6 months. I have proof they did. My XXXX credit reports also indicated that the company Comedity XXXX XXXX pulled a hard copy of my credit history XX/XX/XXXX. I called XXXX to find out why this company pulled a hard credit on me. The account was paid in full 12 months early and closed. I was told I had applied for credit again with this company. That is false. I paid this off and closed this account. I also ask that XXXX note my only 90 day past due period was due to a natural disaster, Covid. Ive never been late prior on this dental XXXX, Comedity XXXX XXXX. I was excused one month without penalty due to being in good standing. The next month they refused to lower my payments stating this dental bill was a digital credit card. It was not. I do not own a credit card of any type. Comedity XXXX XXXX indeed report my account to XXXX during the past 6 months and I have not reapplied for credit. The hard pull should not have been made after I paid the account off 12 months early and closed this account. XXXX refuses to fix my credit.
Company Response:
State: TN
Zip: 38305
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an excellent payment history with my payment accounts, credit cards etc. It started last year that Comenity bank said they received information from XXXX that I have sever delinquencies. I reached out to XXXX and requested my free report which they said I couldn't view it on line because of security issues that it can be mailed. i went through the entire process and still a 6 months later no report sand it keeps telling me I already viewed it on lime. Then they reported Erroneous information and XXXX XXXX closed my account and wouldn't let me use my benefits that I paid for after I was affected by Corono virus. Now if all my accounts are paid on time and it shows that why did they drop my score and report mis information by 100 points. I have called them several times and no assistance. They also said I was breached and they are still allowed to report. I am ready to get an attorney and sue them. And they still haven't sent my report they are trying to make me pay for one.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been contacted my comenity XXXX XXXX for my credit card being due over 10-15 Times this week since Monday. I told them to quit calling, and they still proceed to call and change phone number, they call me from 2-3 different numbers a day ... ..
Company Response:
State: NM
Zip: 88240
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2018, I was seen in XXXX XXXX for the placement of a XXXX. On said date of service, I was provided with a statement which confirmed my responsibility would be XXXX dollars. I was once again seen in the office on XX/XX/2018 for XXXX and XXXX XXXX and was advised that my insurance would not cover the multiple elements of the XXXX and they could finance the {$380.00} via a deferred interest plan for which I found odd since my XXXX XXXX covers 100 % of the cleaning in the past 42 years I have had the plan however I agreed. This {$380.00} has been since paid off. I received a statement from XXXX XXXX a few months later stating that I owed the money for the XXXX from XX/XX/18 as well as still owing money for the cleaning on XX/XX/18 which totaled {$630.00} even though I was provided a finance plan to pay and was completed with that total. When I contacted the provider, they were unwilling to listen to all the proof that they had confirmed no balance for XX/XX/2018 as well as the agreed upon amount for XX/XX/2018 being paid. I am providing said documents discussed above with this complaint. As an additional note to further prove the erroneous accounting system XXXX has, you will see on one of the documents I provide where XXXX applies the financed payment of {$380.00} to my XX/XX/2018 visit when in fact this was done on XX/XX/2018
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: SOMETIME AROUND XXXX OF 2017 A CREDIT CARD FROM COMENITY BANK/XXXX WAS OPENED IN MY NAME WITHOUT MY CONSENT. I HAVE TRIED CONTACTING THIS COMPANY DIRECTLY WITH NO RESPONSE. I AM A VICTIM OF IDENTITY THEFT AND WANT THIS ISSUE RESOLVED AS SOON AS POSSIBLE. THE AMOUNT IS {$350.00} DOLLARS ...
Company Response:
State: IL
Zip: 60426
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
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 Department of EducationXXXX, Comenity Bank/Victoria, and XXXX XXXX XXXX XXXX. The Account Opened is Department of Education/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}. The Account Opened is Comenity Bank/Victoria Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}. The Account Opened is XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00}. 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: XXXXX
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I am the daughter of someone owing a debt. These people are harassing me from comenity bank. This is not my debt and these phone calls need to cease. It is illegal to obtain information of a relative as I am not listed on her information. Yesterday I received an abusive call threatening my mother from a blocked number she better pay up I believe this is either comenity or XXXX XXXX. I will also be reporting this to the XXXX. Stop allowing debt collectors to call relatives I used to collect debts myself and never disrespected people like this or called family. Here is one number : XXXX ( XXXX XXXX XXXX
Company Response:
State: CA
Zip: 94132
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
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 see multiple 30-90 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: 027XX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Wayfair/Commenity is again attempting to collect a debt of {$12.00} I do not owe and on a CLOSED account. Last year the same mistake in a XX/XX/202 statement for a balance of {$70.00} I did not owe and it was revered after a previous CFPB complaint. This needs to stop. The account needs to be CLOSED as i requested in XX/XX/2020. I do not owe a debt after paying off 3 payments of {$310.00} IN FULL as of XX/XX/2020. Their lack of a customer support line towards a dedicated dispute agent has yet again left me no way to communicate the issue with anymore within Wayfair/Commenity group.
Company Response:
State: FL
Zip: 33436
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A