Date Received: 2022-01-14
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: XXXX company is currently showing 30 days late ( XXXX XXXX XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. ( XXXX XXXX )
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The XXXX XXXX XXXX XXXX - held by Comenity Bank is out of compliance with the Credit Card Act as they do not deliver my statement allowing me to have 21 days to pay my payment. Time To Make Payments. -- A creditor may not treat a payment on an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 127 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date.. Every time I send a payment I get a subsequent bill that includes a {$35.00} late charge as they are stating that my payment was late. I am paying my payments on time and I believe there are not applying my payments timely. I just received my latest bill today - XX/XX/22 with a due date of XX/XX/22. That is only 18 days to the due date. They have reversed the fees in the past when I call and Im assuming they will again. However, I feel these fees are inappropriately assessed and less diligent consumers may be paying late fees they should not have to. I have several store cards and I am consistently having issues with a late charge on The XXXX XXXX account. Thank you for researching this issue.
Company Response:
State: MI
Zip: 48423
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Balance incorrect. Short-term XXXX insurance was carried on this card and payments were made by myself and the card 's insurance. This balance is being recycled/sold and the amount owed is fabricated/misrepresented.
Company Response:
State: GA
Zip: 30165
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I communicated in good faith multiple times with Comenity I was not receiving my card. They offered to send a new one ( again ) multiple times and I explained that would not help, and I suspected my mail was caught in some sort of forwarding loop, because Id been seeing other parcels with multiple forwarding stickers, arrive months late. On the third time I called, I asked them to please XXXX the card to me directly, because Id been spent numerous hours trying to resolve the forwarding issue with the post office and was still having mail delays. They refused to XXXX the card, and I said Ok, if you wont send me my card after Ive called twice to explain the issue, Im closing my account immediately. This was XX/XX/XXXX. I paid off the balance and any fees at the time and believed I was doneat this point I was really frustrated, by the refusal to send the card ( a request readily obliged by other cards ) by XXXX, and the ongoing underlying issue with the post office. When I closed out they didnt mention that since my due date was XX/XX/XXXX, that any late fee ( because I still had no card, and paid on XX/XX/XXXX ), wouldnt show up until the following billing cycle. I had already spent hours on the phone trying to clear this up, and when I saw I was being charged AGAIN for a card I NEVER received, my lid nearly popped. Not my finest hour, and I suppose I was filled with righteous indignation. Apologies to whomever I spoke to that day. Im not an irresponsible XXXX pay my debts, and am diligent and courteous, and its not about the amount there was no customer service and no willingness on comenitys part to try and find a reasonable solution to a simple external problem. Funny enough The card did arrive two months ago, with the wrong address, and multiple forward stickers. This process has been tedious and infuriating. Sincerely, XXXX
Company Response:
State: CA
Zip: 95060
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have an open account from commenity capital bank that is connected to a contract that was made fraudulently with XXXX XXXX XXXX. I received a copy of the contract after my first dispute and both companies are saying even though Im saying I didnt sign the contract they have my signatures. I found out the signatures are docu signed but I didnt signed for this account. Originally there was two accounts and they both was immediately closed this particular account stayed open because of a balance I wasnt aware of. According to XXXX XXXX the account is reporting 4 payments behind and its a year old even the generated bills account number has changed
Company Response:
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Company Response:
State: FL
Zip: 33034
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I started with this dental clinic in XXXX looking to fix a broken bridge in the front of my mouth. After I was brought on board to have work done and charge for work to be done everything started to change. I have had countless appointments trying to fix the issues in my mouth the dental clinic could never fix any problems this continued until XXXX. I have had to have the same bridge replaced three times and other damage was done because of it. this has been an emotional financial and work-related problem. I have questioned the craftsmanship of the product and work. The integrity of the dental clinic is not for their customers. Filed a dispute with the credit card company because their policy state if you are dissatisfied with credit card purchase you can dispute it and l did. The amount XXXX the bank ruled in my favor and then reversed it this is a slap in the face to me the consumer. The material that was used buy the dental clinic to make the teeth started falling apart within 2 months that is not how dental work works. To me this is fraud you said you could do a job that you could not.
Company Response:
State: LA
Zip: 70094
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Comenity Bank attempts to call me about five times a day, bugging me at work, lying to me about a payment plan I completed and not offering to help the debt relief. Those were three XXXX XXXX monthly payments to get the account current, waiving late fees. The late fees did not get waived and now the account is not current, they're lying about waiving the late fees, and they're not providing any help.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ComenityBank/XXXX is in violation of my consumer rights according to the FCRA. I have sent affidavits to them as well as the violations the committed and they still havent complied or find a solution.
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have been disputing fraudulent inquires from the credit bureaus as Comenity Bank instructed me ; the credit bureaus are not removing or blocking those credit inquiries from my credit report, credit bureaus are referring me to Comenity Bank to dispute those inquiries directly with them because Comenity Bank is alleging that the credit inquiries are valid every time I deny then with the credit bureau. Whenever I dispute fraudulent inquiries without including the valid accounts that I have with Comenity Bank and the correct inquiries related to those accounts, Comentity Bank is closing all my accounts for no reason. They claim that the credit bureaus are informing them that I am disputing all the open accounts, I requested evidence of that, but Comenity Bank refuses to send proof to me. At this point, I am informing CFPB that XXXX and other credit bureaus, and Comenity Bank are refusing to remove the following fraudulent inquiries : COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYBANK/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITY BANK/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYBANK/XXXX XX/XX/XXXX COMENITY BANK/XXXX XX/XX/XXXX COMENITYBANK/XXXX XX/XX/XXXX COMENITYCAPITALXXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITY BANK/XXXX XXXXXX/XX/XXXX COMENITYCAPITAL/XXXX XXXXXX/XX/XXXX COMENITYCAPITAL/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX Those inquiries have been inserted in my credit report per Comenity Bank request, I called to the Account Protection Team at ( XXXX ) XXXX, and spoke with XXXX, a supervisor of that department, and she refused to help me with this dispute claiming that she didn't have access to the applications completed in more than 30 days ; I requested to speak with the person who is verifying these inquiries with the credit bureaus, and she said that I have to contact the credit bureau to resolve this. Valid Accounts that I have with Comenity Bank that don't need to be disputed or closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am disputing only the inquiries that I listed and nothing else, so then the accounts that I have with Comenity Bank should not be affected for retaliation.
Company Response:
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A