Date Received: 2022-02-03
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: In the peak of XXXX, while I was in the hospital, I had fallen behind on payments with Comenity bank. I made a payment to get caught up. What I was never told was that my card had already been cancelled. My card had expired and I called to order a new one, I was told my account was no longer active. I have also pointed out to them that they are reporting my account incorrectly, and therefore, should be removed per FCRA regulations. On the attachments, you will see that Comenity Bank actually removed all positive payment history except for the two months in the middle of COVID. You will also notice I went from no payment history, to 90 days late in XXXX XXXX, to 60 days late in XXXX. The removal of positive payment history and only showing negative payments are not helping. Also, you can not go from not late to 90 days late. Furthermore, the deception I received when paying the card caused my date of first delinquency to get reset. At one point, Comenity was also reporting negative payments, collections at the same time as XXXX, which is also a FCRA violation. Finally, XXXX XXXX, whom Comenity sold my debt to during COVID, I have a payment agreement in place with, and I will be done with that arrangement in XXXX ( Just a payment due this month and XXXX left ). With all of this information, I would request that Comenity remove this tradeline from reporting agencies due to the numerous factors listed above.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have many credit cards and I pay off my balance in full every month. The card in question is a Comenity Bank issued Caesars Visa card. In my XX/XX/2022 statement, there were transactions totaling {$39.00}. As I was paying my bills, I had to hand write the address because the cc company did not attach an envelope which I had complained about before. I sent in my payment early ( about 10 business days ) and even decided to use the card at where it was issued on my trip. XXXX my horror when I received my new statement in XXXX and aside from my charges, there was a late fee of {$29.00} and interest changed of {$3.00}. I called the cc company to resolve the issue and was told the company received my payment on XX/XX/2022 instead of the due date of XX/XX/2022. The staff could not take off the charges so I asked to speak to a supervisor. He said they had given me a pass about 8 months ago. On further research, I read that the main bank company ( Alliance Data ) and its subsidiary banks have trimmed staff etc.I don't believe the postal service is that inefficient that the mail takes so long that the supervisor blames it on the postal service. Who knows when the bank staff input the payments etc in light of labor shortages due to covid etc.I am complaining based on principle because I believe it is unfair and that management gets the complaint and that the CFPB is aware of abuses like this. I have spent more time on this than it is worth but I believe it is my civic duty to speak out. I am sure others have just paid and moved on which is what I am sure the bank is counting on. Wrong... please look into it. The supervisor there at Comenity is XXXX # XXXX.
Company Response:
State: CA
Zip: 92506
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Comenty Bank has several account that are not mine on my report. I have disputed these account but have been unable to rectify this issue. The accounts with opened without my consent.
Company Response:
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter from Comenity Capital Bank in XXXX, OH that I had been denied an XXXX XXXX credit card. The letter was dated XX/XX/2022 and I received the letter XX/XX/2022. I NEVER APPLIED for this card.
Company Response:
State: PA
Zip: 19380
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: THIS ACOUNT DOENT BELONG TO ME
Company Response:
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 a payment of more than {$500.00} was withdrawn from my bank account without any authorization given to Comenity Capital Bank. They fraudulently reported the payment as approved on the phone in the transaction notes when I never even spoke to anyone there.
Company Response:
State: CT
Zip: 06514
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for these companies to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Company Response:
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
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: I am trying to dispute a credit card that was opened up in my name using my personal information without my consent from XXXX XXXX XXXX of XXXX XXXX on XX/XX/2022. My disputes have all been verified as accurate even after submitting an email from the selling manager of XXXX XXXX XXXX stating they submitted they application on me behalf without my consent. After contacting the dealership, I was told that I needed to close my account with the bank, submit the email from XXXX Selling Manager with my dispute, and then XXXX would rectify my account to reflect and delete the inquiry from my report. Now it shows I have closed the account and XXXX is and XXXX are not approving the dispute, resulting in the open on the XXXX XXXX XXXX still appearing on my credit report- this is impacting my ability to apply elsewhere and impacting my score as well as causing financial burden and physical and emotional stress. I need this removed now.
Company Response:
State: CA
Zip: 90712
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: The debt was paid off in XXXX of XXXX although the account was opened fraudulently and without my knowledge. When i talked to customer service rep she told me once the debt was paid the account would be deleted. After i paid the account, the charge wasn't charged under XXXX XXXX bank. I asked the customer service rep could she email me a receipt of the debt I paid, and I never received the receipt. Fast forward to XX/XX/XXXX the account is this on my CC report closed and negative and affecting my CC report. I called XXXX once aging in XXXX of XXXX and asked another customer service rep if she could email me a receipt of the paid off debt and that XXXX rep failed to do her job and also told me since the debt was paid off the account would be removed
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I WILL TRY TO SIMPLIFY, ,HAS BEEN GOING ON FOR OVER a year. i purchased a mattress XXXX XXXX... it was badly defected went the next day into the store they absolutely would NOT help..would not come to the house to inspect. had to find a phone # to get customer ser, to come out. months went by the cust. ser. stated it was very badly defective ... ... months went by..the first payment went to their bank billing dept which I PAID and I ASKED FOR A REFUND THEY WOULD NOT DO IT ... ... THEY STATED IN XX/XX/XXXX TO GET A REPLACEMENT THE STORE NEEDED ANOTHER PAYMENT AND FOOLISH AS I WAS I WENT TO THE STORE TO MAKE ANOTHER PAYMENT... WHICH THEY DID NOT NOTIFY THEIR BANK THAT THEY RECEIVED IT SO THE BANK DID NOT KNOW..NOW I WANT YOU TO UNDERSTAND..I PURCHASED THIS MERCHANDISE IN XXXX AND THE FIRST OF XXXX NO LONGER WAS THAT BANK STILL WORKING FOR THE RETAIL STORE..I TALKED TO THE XXXX XXXX XXXX AND TALKED TO THE BANK AND THE RETAIL STORE AT LEAST 100 TIMES TO NO.. AVAIL ... THE BANK WANTED THE MONEY AND THE RETAIL HAD NO IDEA OF THE SITUATION BECAUSE THEY HAD NO CONVERSATION.. WITH THE BANK ... ..IT GETS WORSE AND WORSE... I AM SO SORRY I EVEN DID BUSINESS WITH THEM THE DAY I PURCHASED THE MATTRESS FROM STORE THEY MADE THE BANK DO A HARD HIT ON ME WITHOUT MY AUTHORIZATION HAD NO IDEA AND THAT ALONE IS AGAINST THE LAW... IT BROUGHT MY CREDIT SCORE FROM XXXX DOWN BELOW XXXX ( FAIR ) I WORKED HARD FOR THE SCORE THE BANK WANTED THE MONEY EVEN THOU THEY WERE ... ..NOT ... ..WITH THE RETAIL STORE ... I SAID IT IS YOUR LOSS NOT MINE... I DID EVERYTHING CORRECTLY ... AS IT TURNS OUT THE BANK ( COMENITY BANK ) AND THE RETAIL STORE ARE BOTH CROOKS ... .I EVEN SENT IN TO THE COMMENITY BANK DISPUTE DEPT WHICH THEY DID RECEIVE THE ENVELOPE WITH ALL THE INFORMATION ( THE CORRECT INFORMATION ) THEN I KEPT CALLING BECAUSE THIS WAS IN DISPUTE SINCE XXXX AND THEY CAN NOT ADD ADDITIONAL FEES BUT THEY DID ... AND MY CREDIT SCORE HAS GONE DOWN!!!!! I WILL NOT ADMIT TO LIES ON THEIR BEHALF... I SAID TO THE BANK IT IS YOUR LOSS BECAUSE YOU WERE NOT TELLING THE TRUTH AND THE RETAIL STORE WAS DOING THE SAME I THOUGHT I WAS ON A 18 MONTH LOAN TO PAY THE AMOUNT WITHOUT INTEREST ... THE BANK PAID THE RETAIL STORE THE DAY I PURCHASED AND THE RETAIL RECEIVED ADDITIONAL FEES WITHOUT THE BANK KNOWING THE REAL TRUTH... .I TALKED AND TALKED FOR MONTHS AND GOT VERY SICK ON THIS MATTRESS WHICH I TRULY BELIEVE SOMEONE ELSE HAD BEFORE ME... AS THE STORY GOES COMMENITY BANK ON XXXX CLOSED MY CHARGE ACCT. THEY WERE WORRIED I WAS TAKING THEM TO COURT ... AND SHE THE SUPERVISOR CALL XXXX CREDIT BUREAU TO PUT A HARD HIT TO CHECK MY CREDIT SCORE WITHOUT MY AUTHORIZATION AND IT BROUGHT MY CRDIT SCORE WAY DOWN PROBABLY A XXXX POINTS ... THE BANK HAD NO RIGHT WITHOUT MY AUTHORIZATION... NOW I AM DOWN BELOW XXXX SCORE OR FAIR WHERE I WAS EXCELLENT AT XXXX SCORE,,, ,MY REAL PROBLEM IS I WAS GOING TO PURCHASE A HOME IN THE FALL AND THIS IS HURTING ME... I HAVE NEVER HAD PROBLEMS LIKE THESE SCAMS THAT ARE GOING ON NOW ... .I WANT XXXX TO REMOVE THE BAD DEPT ACCT. AND PUT ME WHERE I TRULY BELONG ... .EXPERIAN NEVER NEVER LOOKED AT MY CREDIT JUST DID WHAT COMMENITY BANK WANTED ... WHAT THE XXXX IS THAT I COULD SAY ALOT MORE AS I AM VERY VERY ANGRY AND I WAS GOING TO SEE MY ATTORNEY BUT I AM NOT PAYING THE BILL I DO NOT DESERVE... XXXX XXXX
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A