Date Received: 2023-09-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX-XXXX XXXX has a late payment on my credit report ; XX/XX/XXXX Comenity Bank Victoria Secret has a late payment on my credit report ; XX/XX/XXXXXXXX XXXX has a late payment on my credit report as well. Privacy and Consent- There is no law stating that any transaction need to be reported. 15 US Code 1666B- billing error
Company Response:
State: MO
Zip: 63366
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Comenity Bank ( the bank for the credit card ) said my payment was late. XXXX added late charges and interest. Both Comenity Bank and XXXX were told that timely payment was made ( on XXXX XXXX ) and, in fact, the payment was deducted from my bank balance on the same date. I was assured by a XXXX supervisor that she brought my balance to XXXX. Never happened and it has dramatically effected my credit rating.
Company Response:
State: VT
Zip: 052XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I was victim of identity theft back in XXXX and XX/XX/2023. I was notified by protect my ID through tipple XXXX of fraudulent activity on my record. My social security number, day of birth, driver license and mail was compromised. they stole all my information. multiple accounts opened under my name. Filed a police report under XXXX XXXX XXXX department. Case number XXXX. Pretty most of the accounts opened have being resolve except for XXXX account. I have contacted the company security Operations department which is in charge of investigating fraudulent cases. I was instructed to mail some information from my side. So i mailed a copy of my ID, a copy of the police report and copies from my bank statement. i was told the person who opened the account made the first month payment so they needed proved it wasn't me making the payment. This was back in XXXX. So i followed up a few weeks l letter after i received a letter from them that they have concluded i was responsible for making the payments in this account. I called them and they said the reason why i received this letter it was because they never received the information. Even though they provided me with address where i have to send it. So now i was instructed to fax it over. So i did XXXX weeks ago to the number the provided me and i called them last week to follow they said they could see the information i sent and they were going to send it over to the investigator in the case. i received a similar letter this week saying they concluded im responsible and i have to pay for the charges. so i called them again 3 days ago and they said they didnt received any information now they want me to fax it over again to 2 different fax numbers. I requested an email address instead and they said they dont have an email address. I am tired of dealing with them. i have done everything i was instructed to do because i want my credit to be fix again. I feel i have being treated unfairly even though i have tried to work with them.
Company Response:
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an account with a community bank through alphaeon credit. The account is set up with autopay to avoid worrying about the monthly payments. Yesterday, I noticed the autopay hadn't been charged for a long time and decided to log into the XXXX account to make sure the autopay was still set up. The autopay is still set up, and everything looks fine ; I noticed a balance of {$280.00}, so I decided to program the payment manually. Later that day XX/XX/2023, I received a notification from my credit report stating that the community bank reported late payments on my credit. Even though they have a bank account set up as autopay, they never contacted me via phone, mail, or email to inform me if it is any issues relating to the autopayment. Now, my credit report shows one late payment from community bank, which affects me as a consumer for my future purchases. I have tried to call multiple times since yesterday and chat with customer service, but there is no answer.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
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: When I spoke to you on the phone informed me that there was a zero fraud liability. I had nothing to worry about. Months later, youre telling me you are denying my fraud claim you have not given me any information as to why. We were not located in the city that the charges were made in. We also did not have the cards in our possession. But charges were made. If thats not considered fraud, I need you to explain to me. What exactly you consider fraud? I mean we didnt have the cards and we were not in the city that the charges were made on. We didnt give the cards to anybody else. We didnt give permission to anybody else we didnt benefit in anyway, so why would you deny our fraud dispute? Explain in details about the specific case.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Comenity Bank XXXX XXXX XXXX XXXX, Ohio XXXX Subject : Request for Immediate Deletion of Inaccurate Account Information from Consumer Reports Dear Sir/Madam, I am writing to you in regard to the correspondence I received from Comenity Bank dated XX/XX/XXXX, regarding my XXXX XXXX Credit Card account ending in XXXX. I appreciate your prompt response to my previous communication, however, I must bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) that I believe has occurred in relation to my account. Upon reviewing your response, I am concerned about the accuracy and validity of the information being reported to the credit reporting agencies about my account. It is my understanding that the FCRA requires creditors to provide accurate and complete information to credit reporting agencies, and consumers have the right to dispute any information that they believe is inaccurate or incomplete. Specifically, I would like to highlight the following issues with your response : Inaccurate Reporting : The information you have provided in your response does not accurately reflect the history of my account. You state that my account was charged off due to nonpayment on XX/XX/XXXX, and subsequently sold to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. However, this information is incorrect. [ Provide details about the correct history of your account, if applicable. ] Dispute Resolution Process : As a consumer, I have the right to dispute inaccurate information on my credit report. I believe that the inaccuracies in the reporting of my account constitute a violation of my rights under the FCRA. I request that you conduct a thorough investigation into the accuracy of the information being reported and take immediate steps to rectify any inaccuracies. In accordance with the FCRA, I kindly request the following actions : Immediate Deletion : I request that you delete any inaccurate information related to my account from the credit reporting agencies ' records. This includes the inaccurate charge-off date and any other inaccuracies that may be present. Correct Reporting : If there have been errors in the reporting of my account, I request that you correct the information and provide accurate details to the credit reporting agencies. Written Confirmation : Please provide written confirmation once the necessary corrections have been made and inaccurate information has been deleted. I urge you to take this matter seriously and address the violations of the FCRA as soon as possible. Failure to do so may result in further actions to ensure my rights are protected under the law. I look forward to your prompt attention to this matter and a swift resolution. Please send all correspondences related to this matter to the address provided above. Thank you for your immediate attention to this serious matter. This company has no right to be in my consumer reports due to the fact that I was not advised that my personal information was being sold and purchased without my consent. As they say in their response, They sold and are still in my reports so please stop trying to sell me your bad interest rates just by having my scores which are also illegal undervalued. This company is affecting my commercial relationship with other financial institutions as well as XXXX
Company Response:
State: OH
Zip: 44111
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: They are not the original creditors of this account.
Company Response:
State: GA
Zip: 30340
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I get 3-4 calls a day from Comenity Bank about a debt collection. The calls are frequent and It made my job difficult to do since I need to answer and reply to emergency requests.
Company Response:
State: NV
Zip: 89156
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX with VS card rep for re payment many times due to loss of XXXX XXXX XXXX and not having enough money at the time due to other bills. Explained I'm a single mom w/ two child juggling bills and will pay, couldn't set up a time since I wasn't sure how income would be, tried to cancel card, and wouldn't. Called on different numbers- didn't answer XXXX Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX am XXXX XXXX XXXX a, Spoke w/ rep dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX am XXXX XX/XX/XXXX XXXX pm Other potential spam number can't remember if VS related XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XXXXXXXX XXXX didn't answer XX/XX/XXXX XXXXXXXX XXXX spoke with XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX didn't answer XX/XX/1855 XXXX XXXX XXXX XXXX didn't answer also informed them I knew they only could call x amount of times- found this information to confirm and now sending complaint to you. Please help thank you. How many calls from a creditor is considered harassment? seven times The debt collector is presumed to violate the law if they place a telephone call to you about a particular debt : More than seven times within a seven-day period, or. Within seven days after engaging in a telephone conversation with you about the particular debtXXXX XXXX, 2023 When and how often can a debt collector call me on the phone? Consumer Financial Protection Bureau ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( I was wrong about some of the information and over whelmed with the calls which caused me XXXX and other mental health issues )
Company Response:
State: OH
Zip: 434XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My complaint is specific to Comenity Bank - Bread Financial : When attempting to pay a store card that is managed by this entity, it is exceedingly difficult to simply log into the account to do so. Each time, an error message stating, " The contact information you entered doesn't match our records... '' appears, despite all of the information being correct. Upon requesting a reset of the password as a workaround, the same message appears with instructions to call Customer Care. After calling customer care, a representative will advise they are sending a link, via email, to allow you to log in. After asking why a link is needed, the representative states the site ( which is physically listed on the credit card ) is not working, but the link will work. This exact situation occurred in different years ( XXXX & XXXX ) for different cards ( one for women 's lingerie store and the other for a sporting goods chain ). One might argue a payment could be made via the site without logging in ( XXXX XXXX ), however, this method does not allow the consumer to view charges and activity. In addition, the information regarding current charges is not accurate. I made a large purchase yesterday and today the credit line indicates I have used none. This is misleading to the consumer and could lead to overage on the card for those who are not careful. Having learned my lesson with this company, I will be cancelling this card effective immediately ( XX/XX/XXXX ).
Company Response:
State: TX
Zip: 78250
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A