Date Received: 2022-02-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: unauthorized payments by an unknown person. Was unaware of the payments u till now
Company Response:
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Hi I received two letters in the mail from different banks saying that they were unable to approve my request for a credit card. Someone has stolen my identity because I have not applied to any one of these companies for a credit card. XX/XX/2022 2022
Company Response:
State: NY
Zip: 10573
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I purchased my dog on XX/XX/XXXX from XXXX Bank since then I have been paying my monthly statements on time and in full. As of yesterday, XX/XX/XXXX I received a credit monitoring alert stating I was over my credit limit by {$260.00} with above creditor and reported to XXXX. My credit plunged by XXXX points. I immediately called the creditor and they advised I was on a " promotion plan '' and if the account was not paid in full by XX/XX/XXXX I would be charged additional interest. They increased my account from {$4700.00} to now {$6500.00}. There was a small box stating my plan would expire and be charged if not paid in full. I was unaware of any of these charges and how what the amount would be. When I called yesterday the Agent said there was nothing they could do since it was on my statement. I called in XXXX about this little box and the Agent advised I would be charged an additional max of {$70.00} to XXXX per month. NOT total interest for a year of {$1800.00}. As a consumer I feel this should have been explained to me back in XXXX or XXXX so I could have other options. I paid the {$260.00} today, although not due until XX/XX/XXXX. I feel a detailed letter should have been sent prior to the creditor reporting my account over the limit. Unjustified.
Company Response:
State: FL
Zip: 33626
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( COMENITYBANK/VICTORIA ) is reporting on my personal credit file with XXXX, XXXX, XXXX ( Credit Reporting Agencies ). I need to report XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to XXXX numerous times however these fraudulent accounts are still inaccurately reporting on my credit report.
Company Response:
State: RI
Zip: 02904
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: It should be against the law to have a creditor reduce your credit line. Please realize that this causes a domino effect to our credit! A higher utilization leads to lower credit scores, which other lenders could perceive as an increase in risk and lower the limit of other cards that a consumer has. Im going to reach out to an attorney to see if this can be a cause for a class action lawsuit. This should be prohibited!!!!
Company Response:
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: - I use credit reporting services including XXXX, XXXX XXXX and XXXX, all of which reported on XX/XX/XXXX that the company had closed my account. - I never received ANY notification or email or mail about this from the company/bank itself. - I have never been late on any payments on the {$6000.00} limit XXXX visa credit card issued by Comenity Bank, and my credit utilization has never been above 12 %. - I had a credit inquiry by XXXX just before the comenity credit card was closed. - Upon calling the customer service, they first told me they'd refer me to the XXXX XXXX agency that informed them of the change in my credit report when I asked them the reason for my account closure. I asked them if the reporting agency made the decision on closing the account, and they simply hung up. - I called back a second time, and this time they transferred me to a phone line for a different company altogether. - This company is predatory in its promotional practices and entices users with rewards programs, while not providing any necessary communication or explanations for their outsourced customer service which doesn't seem to have anything beyond XXXX lines of script.
Company Response:
State: IL
Zip: 61801
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an account with ComenityXXXX XXXX XXXX A few months ago, I obtained a bill consolidation loan and paid them off. After that, I ignored all their correspondence because I had no need to contact them. I usually ignore all unknown callers because I get so many bogus call about car warranty, etc. On one day, I answered and it was Comenity Bank telling me that I owed {$140.00}. When I protested, they said that I had not included my late fee in the payoff so I had accrued more interest and late fees. On top of that, they are still charging me for XXXX insurance. I contacted the XXXX XXXX XXXX I waited for a letter from Comenity addressing my issue. Instead, I got another bill. They had now dropped the bill down to the original late fee and charges to {$45.00}. But, they added another late fee, interest and {$1.00} for insurance, for a total of {$89.00}. How can it be fair business practice to charge interesr and late fees on late fees. I might not have been as upset about the original late fee, saved myself grief and paid it. However, they did the same exact thing to my husband about three years ago. He paid it off, then they hounded him about an accumulation of late charges and fees til he finally paid them over {$200.00} to get them off his back. He died one year ago today so, of course, I can't ask him to get more details together for you. I want this account to be wiped clean, taken off my credit report and closed once and for all.
Company Response:
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have asked credit companies to validate the date and provide me documentation that shows who sign up for these accounts and despite my letters to them to do so they have not done so. I have reported these accounts to the police as fraud : US dept of ED acct # XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX Account # XXXX : LOAN : XXXX XXXX XXXX Amount XXXX XXXX XXXX : XXXX XXXX XXXX Amount $ XXXX LOAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount $ XXXX LOANS TOTAL AMOUNT {$13000.00} XXXX Please see attached statement. Ref : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Social Security XXXX XXXX COMENITY ACCOUNT [ XXXX ] Re : XXXX XXXX XXXX XXXX ] Re : XXXX XXXX XXXX : Alleged Account # XXXX
Company Response:
State: MA
Zip: 01880
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is the SECOND time that I am sending this letter. I sent the original letter on XX/XX/2022. ( see below ) Since the original letter, I have been a victim of IDENTITY FRAUD from this company. An account was made in my name with this company 's name attached to it. It was an additional account ( a mortgage account ) that I had no idea of. I was told because of this error, that as a courtesy, any accounts from this company shall be removed from my credit report. Either way it is still reporting. So you can either remove it without further incident or you can adhere to the bottom portion of this letter. I will also be filing this letter as a complaint to the CFPB and if I do not have this company removed from my credit report within the next 14 days, I will be forced to file a complaint with the FTC. Original letter that I have yet to get a response to that was sent last year : I am sending this certified letter because I have noticed that there is a charge off or a debt in collections on my credit report from your company ( Acct numbers XXXX ), however, I have never received a Schedule C form for that specific charge off. By law that can be considered taxable income per IRS literature and I can be penalized for not reporting it. I am requesting this form so that I can have all legal documentation in my records if I need to provide it to the IRS.
Company Response:
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A