Date Received: 2023-09-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Update Credit Card Status to " Paid '' in Accordance with IRS Form XXXX I am writing to request that the status of my credit card account be updated to " Paid '' in accordance with the information provided on IRS Form XXXX for tax reporting purposes. Account Information : Credit Card Account Number : Card ending in XXXX Credit Card Issuer : Comenity Capital Bank/Ultimate Rewards Credit Card Background : As part of my annual tax reporting obligations, I have received IRS Form XXXX, which reflects the forgiveness or discharge of debt associated with my credit card account. This form indicates that a portion or the entirety of the debt has been settled or forgiven, resulting in tax implications. Request : In light of the information on IRS Form XXXX, I kindly request that you update the status of my credit card account to " Paid '' across all Consumer Reporting Agencies ; including XXXX, XXXX, XXXX, and all secondary reporting agencies-within your records and with the credit reporting agencies. This update is essential to ensure that my credit history accurately reflects the resolution of this debt, and it is consistent with the tax reporting requirements outlined by the IRS. I understand that updating the status to " Paid '' is a standard practice when a debt is forgiven or settled, and it is essential for maintaining the accuracy of my financial records and credit history. I kindly request that you complete this update promptly and inform me once the change has been made. Please provide written confirmation of the status change for my records. Sincerely, XXXX XXXX XXXX
Company Response:
State: MI
Zip: 48329
Submitted Via: Web
Date Sent: 2023-09-13
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 information incorrect
Consumer Complaint: FRAUDULENT INQURIES 1. Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Type : Hard 2. Inquiry Date : XX/XX/2023 Creditor Name : COMENITYCAPITAL/XXXX Inquiry Type : Hard 3. Inquiry Date : XX/XX/2023 Creditor Name : COMENITY BANK/EXPRES Inquiry Type : Hard FRAUDULENT COLLECTIONS 1 : Collections date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Collections : unrecognized
Company Response:
State: FL
Zip: 32771
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX and CCB/BREADCASHBACK, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
Company Response:
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I completely paid off the balance shown and closed the account on XX/XX/XXXX. According to their customer service, a {$2.00} late fee was charged to the account after I already paid off the entire balance shown. Due to paperless statements in order to see this I would have had to logon to the account to see this new charge. Since I closed the account I never thought to go look for charges after the fact. Therefore more late fees got charged on top of the {$2.00}. I did not realize this till now when it is at {$6.00}. They refused to take the charges off the account even though I would have never known this charge was accumulating after I paid off the account and closed it. This is ridiculous. Once an account is paid and closed there should not be more charges added. The {$2.00} late fee should have been included in the balance when I went to pay off the account.
Company Response:
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I logged into my XXXX Credit Card account issued through Commenity Bank to pay my bill. I noticed my available credit was at XXXX. I then had to go back through my monthly statements to find my account was closed on XX/XX/XXXX of this year. I sent a message to customer support to see if this was actually the case, and if it was not, to have a new card issued as mine was expired. I was given the run around for a few days before being told to contact a supervisor. I contacted a supervisor on XX/XX/XXXX who told me that there were no notes on my account about account closure and as far as they could tell, the account should not be closed. I was then told that this would be escalated and I should receive a call back within 7-10 business days ; this did not happen. Today, on XX/XX/XXXX, I called customer support again, on the 11th business day, to inform them that I had not received a call back, and to address the issue of a lack of Adverse Action Notice being send, as is required by the Fair Credit Reporting Act, and they informed me that their notes said someone did call on XX/XX/XXXX, however, there was no recording made, meaning nothing was recorded as a phone call, or voice mail, and I have no record of this call in my call logs, seeming to imply a note was made without actually attempting to contact me. Nobody can prove this call was made beyond the note. This supervisor also reiterated what the first had said : there we no notes on the account about account closure, and she can't see a reason as to why it was, and doesn't see any notes about Adverse Action Notices being send, or any documentation on the account for that matter. This supervisor contacted her boss, who without speaking to me, just relaying it through the supervisor I was talking with, that it was up to the banks digression as to when to close an account. While this is correct, this is not the issue I was calling about, and I reiterated that I had not received an Adverse Action Notice notifying me of account closure within 30 days as required by the Fair Credit Reporting Act. This supervisors boss once again ignored the statement to reiterate that account closure was at the digression of the bank, and ceased contact with me. The supervisor I was still in contact with apologized, at which point I told her that an apology was not good enough, they are in violation of the Fair Credit Reporting Act, their action has negatively impacted my Credit Score, and there were damages, some form of remediation needed to be made. I was told that they could request a call back, but my account could not be reopened, and no form of remediation was made availble.
Company Response:
State: AZ
Zip: 85204
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Comenity Capital Bank modified all of my bureaus but lately with XXXX so Comenity Capital violated many ways such as my privacy rights and doesn't have my rights anymore because account is sold but how it is sold to XXXX and Comenity Capital still on my credit report without my written permission to furnished on my credit report it is like triple jeopardy! I previously complained to XXXX and it is being modified but look at attached which is lot of violated in many ways with different dates, status : open, closed, last payment I do not make any paid this year that's LIE! Comenity is making my credit report " re-age '' to stay remains when it could've been deleted/removed from my credit reports by now or they should've changed to XXXX XXXX but instead they left my credit report so bad but they do not have a control to report it especially they sold the account but how they still remain as Comenity on my credit report. Third-party such as XXXX doesn't have my signed original because I do not sign contract with them or have written permission to furnished my credit reports. In accordance with the XXXX XXXX XXXX Act.Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active us inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions or consent. 15 U.S.C. 1692c states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Company Response:
State: TX
Zip: 77016
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I former partner of mine I believe opened an account under my name for XXXX XXXX using my information. I was unaware of this account because I have several accounts with this bank already and thought it was for one of my authorized accounts.
Company Response:
State: TX
Zip: 77357
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I purchased a swing set for my granddaughters during Covid. XXXX was the only store that would ship it. I purchased this and paid on installments. Once paid I would receive a fee each year after. I didnt sign up for or asked to participate in this program. They charge me every year and add service charges and late fees higher than the original fee. The account has been closed and the XXXX people credited the original XXXX and Comentity bank told me it didnt matter if it were closed I still had to pay it or suffer the circumstances. This is a scam and my corporate attorney felt they we phishing me for personal information. Im tired of paying this phantom fee. Comentity XXXX and XXXX XXXX XXXX XXXX. Please help me.
Company Response:
State: IN
Zip: 46845
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
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: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A