Date Received: 2023-09-02
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Victim of identity theft
Company Response:
State: SC
Zip: 29203
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I want you to know that I missed the payment on my account due to my being seriously sick and hospitalized. I have lost out on job opportunities because of these late payment remarks. This is ALL because of the COVID-19. I also could not close a home for my family due to this situation. I am really depressed
Company Response:
State: TX
Zip: 78253
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX this company reported that this account was closed by grantor and this account was charged off. And also reported a late payment for XX/XX/2023 and XX/XX/2023. That is not true I called and closed this credit card myself cause i no longer use this card .When i closed this card XX/XX/2023 it was in good standing with XXXX balance and no late charges this year at all .Thank u
Company Response:
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had a balance on the credit card that I paid a partial payment in month XXXX and then paid the full balance in month XXXX, however, I was assessed a Mininum Interest Charge of {$1.00} after the balance was paid in full and it is also listed as a fee charged. The disclosure on the statement says " we will not charge you interest on purchased if you pay your entire balance by the due date of each month '' which I had paid the full balance by the due date on month XXXX.
Company Response:
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Fraudulent account
Company Response:
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX Bank is contacting all my family members regarding a debt I am disputing. They are attempting to collect a debt via phone calls to my family members. In Violation 805 ( b ) of the Fair Debt Collection Practices Act, it is illegal for debt collectors to call your family members to discuss your debt.
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To : Comenity Bank XXXX AND XXXX XXXX XXXX XXXX XXXX. I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC Middle District of Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XXXX of 2023, I sent a check valued at {$9400.00} from my funds drawn on XXXX XXXX XXXX ( XXXX ) which helped to arrange a HELOC for me with my mortgage company, XXXXXXXX XXXX XXXX sent several checks to me after which I mailed them out to the agreed creditors. One check I mailed to Comenity Capital Bank in Texas at : XXXX XXXX XXXX XXXX TX XXXX which is the address on their monthly statements. Comenity holds my XXXX XXXX Credit Card. Comenity has not been helpful after taking more than 90 days to do their research, saying they have no record of the check. XXXX eventually sent me their information showing the check was deposited with XXXX XXXX Utah ( see attached ). I have no business with anything in the State of Utah. I called XXXX and Comenity several times and left several messages with Comenity without them resolving my issue. I suspect Comenity mixed up my check amongst their several retail store accounts.
Company Response:
State: MD
Zip: 21001
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My name is XXXX XXXX. My account number with Comenity/Childrens Place ends in XXXX. I am filing a complaint against Comenity/ The Childrens Place credit card company for unfair lending and credit practices. I had not realized I was primarily paying Late fees, interest charges, and insurance on this account. I am in the process of getting the fraudulent Account Assure that was placed on my account without my approval credited back. On, Friday, XX/XX/2023, I talked with a supervisor named XXXX. She stated that she was a supervisor of the Sr. Account Specialists. I explained how it is unfair that I have been paying nothing but, Late fees, interest, and insurance charges. I asked if there was a way they could refund some of these fees and she said no. I am contacting the Consumer Financial Protection Bureau in hopes that Comenity will help rectify this serious injustice. I think it is only fair that they credit these fees to clear my account to a XXXX balance. I have attached a copy of the transaction supporting my statements. Thanks in advance for your help!
Company Response:
State: IN
Zip: 47909
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I would like to file a complaint against Comenity Capital Bank, which serves as the credit card account company for the XXXX stores. They have engaged in a deceitful practice with me, related to compounding late charges and interest charges, while investigating an erroneous past-due charge, even after admitting that the past due charges were in error. I have now closed my account with them. Here is the history. I received a bill for XX/XX/2023 stating that I my account was overdue for the amount of {$36.00} ( total amount due for merchandise purchased ) plus a late fee of {$28.00}. The due date had been XX/XX/2023. However, I had paid the total amount due electronically through my bank XXXX XXXX XXXX XXXX ). I checked my XXXX XXXX XXXX account online and found that Comenity Bank had withdrawn my funds for on XX/XX/2023. Following the instructions on my bill regarding what to do if I found a mistake on my statement, I wrote a letter to Comenity describing the above with a copy of the confirmation from my bank. On XX/XX/2023, I received a letter from Comenity stating that they had received my claim, and although my statements may display additional finance charges and fees, I was not responsible for them during the investigation, and that my account would be adjusted appropriately if the investigation indicated that an error had occurred. Subsequent statements from Comenity continued to rack up late fees and interest charges while I waited for a conclusion to the investigation. On XX/XX/2023, I received a letter from Comenity Bank saying, Good news, your account has been credited! However, they only credited it for the original late fee of {$28.00}. But the letter stated my balance was {$96.00}, which was for merchandise I had purchased. So, I believed they had erased the other late fees and interest charges as well. But then I received a phone call from Comenity saying I was late on another payment for XX/XX/2023. Again, I looked at my XXXX XXXX XXXX records and the payment of {$98.00} ( which had been my understanding of the merchandise purchase on the bill ) had been withdrawn well before the deadline on XX/XX/XXXX. I was confused and asked to speak with a supervisor, who told me that I owed numerous late and interest charges. I said that I needed to see an itemized bill before I would pay anything more, and she said she would mail it to me. So, I waited to receive it. Then again on XX/XX/2023, I received a phone call from XXXX at XXXX stating that I had a balance of {$34.00} remaining on my account. At this point I was tired of dealing with them and just wanted it all to stop. XXXX said this was the final amount on my statement, so I decided to just pay it. I did so with my debt card, after being reassured that this would result in a XXXX balance with Comenity. It was reconciled with my bank on XX/XX/2023. Then on XX/XX/2023, after thinking everything was done, I received another XXXX bill stating I owed {$100.00} in more late fees and interest fees. I had not purchased anything from XXXX since XXXX and I never will anymore. I called customer service to try and straighten it out, without success. The woman I spoke with insisted that I still owed late fees from several months ago, despite the call from XXXX and my payment the prior month. It was futile to argue with her. I went ahead and paid the amount only because I discovered that they had ruined my credit rating. I have had a credit rating of approximately XXXX for many years. Because of Comenity Bank it is now XXXX points. At this point, I thought I was done with Comenity, but I received a phone message from Comenity on XX/XX/XXXX, instructing me to call an XXXX number for an important message. When I called this number I found out that I now owed {$130.00}. XXXX. So I called a customer representative, who told me my payment of XX/XX/XXXX had been refunded because it had an incorrect routing number or account number, so Comenity had added another late fee. Again because of my fear of further damage to my credit score, I paid this fee through their site. On XX/XX/XXXX, I looked at my J.Jill/Comenity site and my account stated that my current balance was {$0.00}. And that payment of {$130.00} had been received on XX/XX/2023. I am so upset and frustrated by my attempts to correct this situation. I have always paid my bills on time. I believe they have been dishonest with me from the very start, and unresponsive to my pleas to correct these situations. Basically I gave up and paid them money, I did not owe, because the consequences of not doing so, have caused me harm in terms of ruining my credit rating. I would like to have my credit rating restored, and my money for the late fees and interest refunded to me. Thank you.
Company Response:
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A