Date Received: 2023-09-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Ulta continues to add late fees and interest to account since XX/XX/2023. The balance continues to rise just like you allow other companies to do Since to out to destroy my name have fun because it does not bother me let it stay on my name. You are not going to help anyway.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XXXX, I made two purchase at XXXX, after presenting my personal banking debit card. Today, I received an invoice from a XXXX credit card that I never applied for. I looked at my debit card statement and only one of the purchases I made was on the statement. The store clerk illegally enrolled me in the credit card program, claiming to enroll me in their awards program. I called the XXXX Credit card company today and reported the problem- they failed to connect me to a manger that could resolve the issue. I do not own major credit cards or store credit cards for a reason, so this action is particularly egregious. It seems that XXXX is paying their employees incentives to enroll customers in their programs and those incentives are causing employees to illegally enroll customers in these programs, without customer consent.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I searched this bank and found no results on XXXX. The body of this letter from Comenity Capital Bank drew red flags.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX & COMENITY BANK CONTINUE TO REPORT INCORRECT INFORMATION ON THIS ACCOUNT. IT'S BEEN WRONG GOING ON LONGER THAN A YEAR! COMENITY LIES TO THE CFPB BY STATING THE COMPLAINT IS " A DUPLICATE '' WHICH IT'S NOT. XXXX LIES TO THE CFPB STATING THAT THEY CHECKED WITH COMENITY WHEN I KNOW THEY DID NOT!!! IT'S NOT A GOOD LOOK FOR EITHER OF THEM AND THEY'RE BOTH IN VIOLATION OF THE ATTACHED FCRA LAW! XXXX DO NOT ATTEMPT TO SEND ME THAT STUPID LETTER YOU LIKE TO SEND DEMANDING ID FROM ME. I ID 'D MYSELF HERE PER THE CFPB 'S REQUIREMENTS. YOU HAD BETTER ACCEPT IT OR I WILL FILE A COMPLETELY SEPARATE DISPUTE TO MAKE THE CFPB AWARE OF WHAT YOU ARE DOING WHICH IS BASICALLY NOTHING!
Company Response:
State: UT
Zip: 84770
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I tried to use my cc in XXXX. It was declined twice. I called customer service and they said they thought it was fraud. They wanted permission to rerun my credit info. I obliged not understanding what that had to do with fraud. I was declined. Called back later to inquire and wasnt given a specific answer. Just run your credit again to see if you get access to your credit line. Declined. Called recently and was finally told my credit score dropped so I gotten cancelled from my credit line. No email/letter/phone call. How is this legal?!
Company Response:
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the FCRA ( Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose.
Company Response:
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call me repeatedly everyday about 10-11 times a day. Sometimes it is call after call
Company Response:
State: CT
Zip: 06473
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Well I went to my home country on XX/XX/ I came back XX/XX/2023 I got a lot mails and phone calls about paying my past due of credit cards from XXXX ( {$130000.00} ) and XXXX Credit Card ( {$38000.00} ) the debt collection kept calling me about Payement I flies a dispute on XXXX XXXX which I got a case number XXXX account ending XXXX from XXXX they sent me new card ending XXXX do I said to close it then with Comenity XXXX credit card I called to dispute to close the account which I never apply for those cards never receive XXXX credit card but the letter had account ending XXXX my whole points on those major credit bureaus drop drastically down that hurt me so bad then Im not paying the money Im not using I received 2 letters from XXXX about fraud alert not emails no phone call or text cause i was in XXXX vacation for almost 3 months cant call or text but I sent emails to those credits card companies but no response just sending bills emails me payement due missing payment
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The following corporations XXXX XXXX, Comenity Bank XXXX, and XXXX XXXX are reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. Income is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately. According to XXXXXXXX XXXX own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income to be reported on tax returns as such. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX XXXX, Comenity Bank XXXX, and XXXX XXXX must remove, delete all income from being reported to my credit reports In summary it is abundantly clear to all parties, that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as XXXX XXXX, Comenity Bank XXXX, and XXXX XXXX themselves should not be reporting income.. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns Can income be reported on credit report? Income isn't even on your credit reports so it can not be considered in credit scores because credit scores only consider what's on your credit reports, XXXX explains. In fact, no wealth metrics are factored into your credit scores. What information Can not be included in a credit report? For example, a credit provider might ask you for information about your income when you make an application for credit. The credit provider can not give information about your income to a XXXX to be included in your consumer credit report
Company Response:
State: FL
Zip: 34606
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A