Date Received: 2021-02-05
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 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: 2021-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
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 see multiple XXXX 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: 2021-02-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am writing regarding my Commenity XXXX credit card. On XX/XX/XXXX, I paid off the complete balance on this card, which was {$63.00}. On XX/XX/XXXX, I received my new billing statement from this creditor. I was very amazed to see my new purchase charges are now {$310.00}!! The last time I used this card was early/mid XXXX, XXXX. I have not since, nor has anyone else, used my card. Understandably, I was upset, and called Commenity/XXXX as soon as I could, the next morning ; XX/XX/XXXX. I spoke with them and they canceled my card and opened a dispute. However, I was informed, the dispute could take 30-90 days. I am currently trying to purchase a home. My Mortgage Officer, as I just called him, can not give me the pre-approval letter I need for my home purchase until the dispute is resolved/closed. I can not afford to wait 30 days, let alone 60 or 90!!! I really need this resolved immediately and appreciate any assistance you can give. Thank you.
Company Response:
State: WA
Zip: 98362
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I owe Commenity Capital Bank about {$900.00} for XXXX work. I have been paying what i can for about a year now. My balance hasnt shrunk at all, as a matter of fact when i ask for the total it magically goes up. ( Ex last month {$920.00}, this month {$1000.00} ) They call me about 2-4 an hour every day, when i dont pick up they call back with a blocked ( XXXX ) number. I have answered and ask for financial assistance since im the sole provider for my family and we live in the XXXX XXXX so its very expensive. They oblige but then the next week the calls start all over again asking for the full amount. Now when i answer i tell them this is harassment and they quickly hang up. I need help settling this.
Company Response:
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THERE WAS AN ACCOUNT OPENED ON XXXX OF 2019. I DID NOT AUTHORIZE THIS ACCOUNT. THE BALANCE IS {$1000.00}. I HAVE REACHED OUT SEVERAL TIMES TO SHOW THEM THIS IS NOT MY ACCOUNT WITH NO RESPONSE FROM THEM.
Company Response:
State: IL
Zip: 60466
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
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 Comenity Bank/XXXX Visa The Account Opened is Comenity Bank/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$13000.00}. 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: 91504
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was about to pay my balance in full on XX/XX/21 but when I got home I did not have internet and could not get the payment to go through. I paid the full amount the next day, XX/XX/21 and sent XXXX XXXX an email explaining what happened and requested they do not charge me a late fee. Well they charged me {$40.00}?! I have been going back and forth with them to have this removed as the full balance was paid and all I now owe is the {$40.00}. They will not remove this fee. I feel like I alerted them and had an issue beyond my control. I just want the late fee removed from my account.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have disputing this item ever since it was noticed on my credit report. There has been no action taken. I have disputed with the credit bureaus and also with ftc and sent in police report.
Company Response:
State: TN
Zip: 38138
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: In the timeperiod between XX/XX/XXXX through XX/XX/XXXX Comenity bank has repeatedly decreased my credit limit on my store credit cards purposely damaging my credit, starting with XXXX credit card in XX/XX/XXXX they continued to decrease my limit even after timely payments, once it was paid to a XXXX balance they closed it. Next was Children 's Place credit card, once it was paid they closed it also in XXXX. Currently it's XXXX credit card, I paid it down to a {$160.00} balance and they dropped my credit limit to {$100.00}, this was XX/XX/XXXX. My Victoria 's secret card has been paid on time each month, they recently dropped my limit down by {$150.00} as of XX/XX/XXXX now its my New York and Company card, on time payments, they dropped my card limit to {$150.00}, this feels like a tactic to either hurt my credit score or force me to spend more and gain more debt by closing my card or decreasing my credit card limits. I am in the process of repairing my credit score and have been on time with my payments, I need to bring my card balances to at least 10 %, Comenity continues to harm my fico because I don't get into further debt with them by using my credit cards, they rather lower my credit limit to slowly close my accounts one by one. They provide a letter stating the reasons such as no real estate, high balances on my students Ioans ( which are deferre ), not everyone has real estate and students loan balances shouldn't be a factor. I feel comenity is using a tactic because I don't spend and allow them to benefit from any further Interest off higher balances.
Company Response:
State: TX
Zip: 78253
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: In the first week of XX/XX/XXXX, I made 2 payments to my account to resolve a balance that had recently changed from promotional to revolving. According to my XXXX statement due XX/XX/XXXX, the total balance of {$5300.00} was owed and {$4300.00} of that was on a promotional 0 % APR through XX/XX/XXXX. This meant that {$1000.00} was revolving and incurring interest at that time. I made a {$180.00} payment on XX/XX/XXXX and a {$880.00} payment on XX/XX/XXXX totaling to {$1000.00}. This should have resolved the outstanding revolving balance and I would have expected some very minor remaining interest for the few days past the statements due date that the 2nd payment was made. However when I checked the account online later, it still showed the revolving balance outstanding along. I spoke with a woman in customer service who said that I was responsible for calling into them to ensure that my entire payment got applied to the revolving balance. She was going to waive the interest and process the application of the payments as discussed to the revolving balance so it would be {$0.00}. I do recall asking if I need to make additional payments and was told no. I assumed it was all fine until I went back to the account to pull records in XX/XX/XXXX for accounting/tax purposes and surprised to find that not only have I been charged interest monthly since XX/XX/XXXX but also that a portion of my promotional balance good through XX/XX/XXXX had been changed over to revolving and compounding interest on that balance. Statement and transaction history showed that a {$910.00} promotional plan transfer was done by the representative in XXXX. I called customer service back on XX/XX/XXXX and manager XXXX pulled the call recordings at my request. He listened to them, understood the problem, and said he was taking the actions to correct the prior representative who did not process it correctly. The penalties would be waived and the balance remaining would be corrected back to promotional only. Due to that day being the end of the billing period, he recommended to check back in 2 weeks to ensure the changes took effect and follow up on further interest fees to be waived. Shortly after I received a letter in the mail confirming that a complaint was opened for a special department to review. Unfortunately, I was ill and hospitalized for some days. I was only able to check back on my online account XX/XX/XXXX to find a credit of {$140.00} applied and my revolving balance was still present and increasing. I called that day to a supervisor XXXX who advised he could not do anything due to a new letter issued closing my complaint. He said the letter confirmed that there were no issues and although he could not see the letter, it supposedly gave explanation and the amounts I currently owe. At the time of the call I had not yet read that letter and have done so now. The letter did not state what I owed nor acknowledged or explained why a promotional balance portion got moved to a revolving interest-incurring line. The letter stated for further inquiries to be made through the Customer Care line. I called again and spoke to manager XXXX ( not the same prior manager XXXX I had spoken to ). I have explained this several times and he advised that he can not do anything further as the complaint had closed out and is not a correction he could make himself regardless if he understood the issue. I could only request a second review be done by submitting so in writing.
Company Response:
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A