Date Received: 2023-09-14
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: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I applied for an Ulta store credit card at the Ulta store in XXXX. My credit file received a hard inquiry on XX/XX/XXXX. I was told I'd receive a decision by mail within the next week ( 7-10 ) days. Two weeks had gone by and I still hadn't received any decision by mail or email or text. I decided to reapply by myself online incase my information had been typed in the system incorrectly by the cashier at the Ulta store. After I submitted my application online in early XXXX I received a letter from Comenity Bank that was sent on XX/XX/XXXX. Firstly, my name was spelled incorrectly in the letter which threw me off. It was spelled XXXX instead of XXXX. The letter said that I had put in a second application within a 30 day timeframe from the original application and it could not be processed. It had also read that I already received a decision from my first application which I had not. I tried to apply for a college student credit card through the XXXX website and after a review of my credit file with the hard inquiry from Comenity Bank they were unable to approve me even though I have no credit line opened with Comenity Bank. Its the hard inquiry on my file thats inhibiting me from opening a card thats meant for credit card beginners.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMENITY BANKXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT You, COMENITY BANK are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood. Under law you have a responsibility of ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. Furnishers : Companies that supply information about a consumer 's credit history to a credit bureau are called furnishers. These can include banks and credit card companies, debt collectors and others. As dened by the The IRS - Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. The IRS clearly denes a charge-XXXX as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! - which in fact makes COMENITY BANK reporting of this account inaccurate. By Denition the IRS clearly says a Cancelled Debt or Charge-XXXX is income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 denes you COMENITY BANK are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect and inaccurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You are hereby put on NOTICE that you are furnishing incorrect information. Please be advised - The lender must le Form XXXX and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a nancial institution, credit union XXXX federal government agency, or other applicable entity, as discussed earlier in chapter 1. The above highlighted/mentioned paragraph is taken directly from the Publication 4681 Cat. No. 51508F Canceled Debts, Foreclosures, Repossessions, and Abandonments ( for Individuals ) SEND ME MY FORM XXXX that you shouldve sent to me when you led this account as a cancelled debt. My address is listed below XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and conrmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notied by the consumer, at the address specied by the person for such notices, that specic information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have provided you with the law which prohibits COMENITY BANK from inaccurate reporting. You have now been put on notice that you are reporting inaccurate information. The information and account is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information along with a violation of IRS tax standards. You have caused me and my family severe nancial harm due to your negligence and inaccurate reporting. This is a nal opportunity to cure and DELETE this erroneous, inaccurate account from my Consumer credit report. You have XXXX calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER AND CREDIT REPORT! XXXX XXXX
Company Response:
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have maintained perfect payment history with this credit card company, my XXXX XXXX through Comenity Capital Bank, since XXXX. I have tried to keep my credit usage under the recommended 30 % of my outstanding available credit and in so doing this is one of the cards I have not used as it is at a higher rate than some of my others. But I certainly felt secure and appreciated that this card with a built up {$7500.00} credit limit, which offers me resources anywhere, was in my wallet. Upon receiving a letter from them a couple weeks ago that said they intended to close my account if I did not use it by XXXX, I attempted to begin using the card. It was declined. While this was humiliating for me, the worst was yet to come. When calling them for an explanation they said they had information that my credit situation had changed significantly. I do not believe this to be the case but I was told if I wanted to keep using this card a credit report would need to be pulled. Knowing that a XXXX inquiry will lower my score I very reluctantly authorized them to pull my credit, they gave me no choice- it was either that or they were going to close it in XXXX anyway since they are preventing me the ability to meet their condition for keeping it open ; to use it. To my horror and disbelief the Representative said my request to remove the " freeze '' was declined and I now had no available credit. I don't understand, when I have absolutely no late payments to them, or any of my creditors, ever- and I am currently at using only 27 % of my overall available credit and my household income more than supports my outstanding debt- HOW could they punish me like this!? I have kept my end of the terms to the credit agreement and I have only improved as a credit using consumer in the four years since I took out their card. My reward for being a responsible customer after 4 years is to be selected for this new procedure in which the credit card company gets to pluck you out of the blue- lower your score by doing an inquiry and then reduces your score even further when they close your account. Ask why and they say " talk to the credit reporting agency ''. Well- its not the credit reporting agency who has just revoked a {$7500.00} credit card and I KNOW they wont be able to tell me why XXXX Comenity did it either so that's lame. For doing nothing wrong, for doing everything right- this company has just injured me by reducing my bowering power and increasing the rate at which I would qualify if approved for credit. This is just absolutely lousy that by doing this they can hinder or even disqualify consumers from credit eligibility. I ... .did ... ..nothing...... wrong. There should be no reason for them to hinder my credit eligibility through their new method of " credit recall '' and account closure, if THEY choose to do it.
Company Response:
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to bring to your attention certain violations of my rights under the Fair Credit Reporting Act ( FCRA ). Right to Privacy : As outlined under 15 USC 1681, Section 602 of the FCRA, I have a fundamental right to privacy. I believe this right has been infringed upon. Furnishing of Information : According to 15 USC 1681, Section 604 A, Section 2, a consumer reporting agency is prohibited from furnishing information about my account without my explicit written instructions. Late Payment on Credit Card Account : Under 15 USC 1666 B, creditors are not permitted to consider a payment on a credit card account under an open-end consumer credit plan as late for any reason. Given these apparent violations, I kindly request an investigation into the matter to ensure my rights are protected and any necessary remedial actions are taken.
Company Response:
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Nothing happened. I did request a copy of the original contract that has not been released to me at all.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I AM CURRENTLY ENROLLED IN A DEBT SETTLEMENT PROGRAM. I HAVE REPEATEDLY REPORTED TO THE CREDIT CARD COMPANY THAT I AM IN THE PROGRAM, TO CONTACT THE LAW FIRM INVOLVED FOR SETTLEMENT PURPOSES. EACH DAY I RECEIVE MULTIPLE, MULTIPLE, MULTIPLE PHONE CALLS. I HAVE SPOKEN WITH A REP FROM THE COMPANY AND GIVEN THEM THE COMPANY NAME & CONTACT NUMBER. CALLS CONTINUE MULTIPLE TIMES A DAY EVEN WHEN I REPLY THE SAME INFO TO THEM OVER AND OVER AGAIN. I HAVE ALSO CONTACTED THE DEBT SETTLEMENT COMPANY TO DISCUSS MATTER. I AM RECEIVING CONFLICTING RESPONSES FROM THEM AS WELL. ONE PERSON STATES TO GIVE THE CREDIT CARD COMPANY THE INFO AND ON PERSON SAYS NOT TO GIVE THEM THE INFO. SORTA AT A LOST ON WHAT TO DO. THE LAST REP I SPOKE WITH SUGGESTED I TAKE THIS ROUTE. I HAVE OBVIOUSLY A FINANCIAL HARDSHIP I AM WORKING THROUGH TO GET SETTLED. THIS COMPANY IS COMENITY BANK ASSOCIATED WITH A XXXX CREDIT CARD.
Company Response:
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
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: On XX/XX/XXXX my fiance and I purchased XXXX XXXX engagement ring in XXXX gold at Kay Jewlers. I dropped the ring off on XXXX and picked up XX/XX/XXXX to get it sized and then again XX/XX/XXXX and picked up XXXX because it was still too big. I'm a XXXX XXXX and most XXXX prefer no jewelry to be worn while working so I always remove the ring before work. I had noticed in a few days after picking up the ring the band was becoming distorted and was becoming more oval then round. I am having my engagement party on Saturday XX/XX/XXXX and clearly wanted to be wearing my engagement ring so I was planning on addressing the issue after the party. Well, last Sunday XX/XX/XXXX I was looking at my ring and noticed diamond on the side was missing. The next afternoon ( XXXX XXXX ) I went by the store in panic mood to now address two issues I'm having with the ring and not to mention the fact my engagement party is coming up the following weekend, my ring is falling part and I have barely had it in my possession since I purchased it. The store manager was very helpful and did explain that XXXX gold is more softer then a XXXX or XXXX gold and that could be the root of my problems. When originally purchasing the ring that was never mentioned by my salesperson and if I knew that I definitely would have gone with a lesser quality of gold to prevent what has happened. I told the manager I'm open to pick out another ring but the store didn't have much of a selection for yellow gold so I was even willing to pick something else out in a white gold. While I was looking at some other rings, eventually finding one that I would consider purchasing which was at a higher price. The manager did have to call the district manager to get his approval in order to proceed with the exchange and I was denied. I then reached out to customer care on XX/XX/XXXX explaining my problems with the ring and was just trying to exchange for something else and how desperately this is important because my upcoming engagement party. The customer service agent was very apologetic and agreed with my concerns and said that she would reach out to the store when they opened to let them know I would be returning to the store to pick out another the ring. Customer service called me back later in the day and explained that the district manager would need to approve the exchange and would here back soon, especially since my engagement party is in now 2 days. Well, I have heard nothing from Kay 's! I was open to exchange but now seeing Kay 's lack of concern and accountability I'm requesting to return for full refunded and personally want to thank them for me being ringless for my engagement party. Reached out to customer service again XX/XX/XXXX to follow up and nothing in notes indicated any type of follow up since speaking to customer care on XXXX. Today XX/XX/XXXX I tried to reach out to XXXX XXXX ( whom my Kay 's credit card is issued from ) to place account on hold until this issue resolved but kept asking me if I contacted the merchandiser. Yes, of course a week ago and have heard nothing.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I got a credit card in the mail from sportsman 's Warehouse or sportsman 's credit which on the credit report says comenity capital the second I opened it up and saw what it was I did not call anybody I immediately went in my house got some scissors and cut it up into little pieces I remember perfectly and I've had a lot of losses lately and I've needed house loan vehicle loans personal loans credit card something to help me and my family out and I've got denied over a hundred times from a hundred different places and never knew really why until recently I looked at my credit report because it's not on XXXX it was on XXXX that day illegally against my will activated it without me agreeing to whatsoever and since I had a account that I never used with them they continued putting that I have paid on time etc every month except the last 6 months they put XXXX and I have never paid them XXXXXXXX XXXX because I've never used XXXXXXXX XXXX because I cut the card up in pieces which I have photos of the credit report where it says that they have been putting on there that I paid a bunch of times that standings are good but didn't pay for the past 6 months etc so that illegally put it on my credit and now for the past year I've been denied Time after Time which since I couldn't get the money I needed or the extra finances have lost my truck putting my entire family with no vehicle and now I'm riding a bicycle to pick groceries up because I can't get a loan or credit card to purchase a vehicle which took my {$20.00} an hour job because I Didn't have a vehicle to get to work which took my apartment from me putting me at XXXX XXXX XXXX living with my mom who was recently widowed my XXXX daughters and my girlfriend / babies mama and now I'm stuck here with no income for my kids I'm losing my family all because of a company filing a report after I cut up the card and did not accept their credit I did all the right things I needed at the time a credit card to buy food etc not sportsman 's memorabilia and or items and now I'm to suffer a massive blow ending a family destroying lives over nothing I did my own and even when this finally get settled and it gets put off my report I still won't have a truck or a vehicle I still won't have my family intact I still won't have my apartment did is going to go on my credit report for losing when it wasn't my fault I still won't have my good-paying job that I loved I want to press charges and open a lawsuit get reimbursed for the loss I've endured from this company for destroying a life and the lives around me for clicking activate when I never activated.
Company Response:
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
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: On XX/XX/23 we ordered XXXX XXXX dog collars from XXXX XXXX. It was delivered the next day to the wrong home. That home was cream colored and our home is XXXX. We alerted XXXX XXXX within XXXX minutes of the delivery it was the wrong home. We have contacted Comenity multiple times through their secure message center and the phone weeks ago. We were contacting XXXX directly as well. XXXX XXXX agreed to the refund of {$110.00} and stated through email it cleared their account, but Comenity XXXX XXXX is claiming they did not receive it XXXX XXXX refund. I even sent them proof XXXX XXXX claimed they refunded the full amount for the undelivered item weeks ago. I opened a dispute XX/XX/23 and have received a letter stating they need more information to determine my exact concern, but we have told them many times now. They told me to send them a message in their secure message center to explain by a deadline. I have tried to send 2 messages last week through that system and today - both claim there is an error and will not go through so I cant reach them by their time listed I need to contact them. This is very concerning to me. I dont understand the hang up when the company we purchased from ( XXXX XXXX ) agreed to the refund and sent a refund to Comenity that they will not credit my credit card account for. We need XXXX XXXX to credit our account.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A