Date Received: 2021-09-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This is in regards to my Comenity credit card for Victoria 's Secret. My payment due date is the XXXX of every month. On XX/XX/XXXX, XXXX I paid the balance of my victoria 's secret credit card off {$170.00}. This reflected a {$0.00} balance. I had no intention of using this card for at least another 4-6 months. Apparently they started charging me finance fees & late fees for not paying the finance fees on the card that had a {$0.00} balance. I called customer service and she explained it was " residual finance charges '' on the {$170.00}. She would be willing to wave one of the late fees as a one time courtesy. ( {$7.00} ), and then conveniently the call was disconnected. This is completely fraudulent and misleading. I paid the full amount of XXXX 3 days prior to it being due. I should not have to check monthly if they want to charge me finance charges after the full amount was paid.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Debt was placed on XX/XX/2017 with a balance of {$3200.00} that i dont know this company.
Company Response:
State: MO
Zip: 64138
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I XXXX XXXX entered into a consumer credit transaction with BJs on XX/XX/19. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. BJs, outside of the finance charge, charged me monthly/incremental payments, as well as late fees for the monthly/incremental payments, which clearly violates 15 usc 1605. Furthermore, BJs never clearly disclosed to me their violations, which itself is a violation pursuant to 15 usc 1611.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: When I applied for this line of credit, I was never offered the payment protection should I become unemployed or incapacitated. I reached out many times, as I was laid off due to COVID-19, and the company never offered any help. I come to find out, all of this time, they had a payment protection program which could have helped me eliminate this debt and make my life less stressful and not destroy my credit.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: COMPLAINT ON COMENITY - VICTORIA SECRET XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX Texas XXXX XXXX XXXX info XXXX Comenity Bank XXXX Tax Payers Id # XXXX Comenity Bank XXXX Secretary of State # XXXX Received call from Comenity Bank XXXX Victoria Secrets at XXXX XXXX ) XXXX, saying that they didn't get my XX/XX/2021 Payment. I let them know that I did make my payment on XX/XX/2021 through My bank paid with check # XXXX for {$75.00} which what was due. I had the representative verify the payment address, the address that he gave me was XXXX XXXX XXXX, XXXX Tx XXXX. The address that my bank sent the check was XXXX XXXX XXXX, XXXX XXXX Tx XXXX. At some point the address that I had was valid. Not sure when this company, Comenity Bank XXXX Victoria Secrets changed their payment address. The customer service rep calls are being forwarding to other countries from the USA. I made my payment in Good Faith. This company changed their payment address and didn't notify me. They are trying to charge me a late fee on top of my payment. I want the late fee waived and not charge on the front end which is what they will do. My payment should only be {$75.00} without the late fee.
Company Response:
State: CA
Zip: 92571
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a payment on XX/XX/XXXXfor {$70.00} that was returned. The payment showed as though it went through on that months statement. The next month it says it was returned so I selected to pay off my balance on the card entirely. Then apparently that didnt include the return payment fee. I was then charged 2 late fees interest and finance charges on the {$25.00} fee that didnt show up on my balance after a month it was supposedly returned when I made the payment by the due date and was told there was nothing they could do to remove the return fee and only removed one of the late fees.
Company Response:
State: GA
Zip: 30152
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITYBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. COMENITYBANK/NY & CO XXXX Balance {$0.00} COMENITYBANK/VICTORIA XXXX Balance {$0.00}
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: You have included information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Company Response:
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft .This creditor is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them i never applied for their card and they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress.
Company Response:
State: CA
Zip: 91316
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: CLAIM : This correspondence, administrative process serves as Notice of Service to VICTORIAS SECRET, / ( hereafter VICTORIAS SECRET ), and Notice of Intent to resolve this matter in a court of competent jurisdiction pursuant to 15 U.S. Code 1692 ( k ) if actions acceptable to the consumer, pursuant to law, do not occur within the allotted time. I XXXX XXXX, is a natural person, consumer pursuant to 15 U.S. Code 1692 ( a ) ( 3 ), and creditor pursuant to 15 U.S. Code 1692 ( a ) ( 4 ). I XXXX XXXX, is administrator for this account pursuant to 15 U.S. Code 1692 ( c ) ( d ). VICTORIAS SECRET violates 15 U.S. Code 1692 ( c ) ( a ) since prior consent has not been given by the consumer directly to the debt collector nor has the express permission of a court of competent jurisdiction been granted. Therefore all actions of " VICTORIAS SECRET '' are consistent with the actions of a debt collector. VICTORIAS SECRET, may not communicate with a consumer in connection with the collection of any debt. Pursuant to 15 U.S. Code 1692 ( c ) ( c ) this is a communication to legally refuse to pay the " alleged debt '' ( obligation ) to VICTORIAS SECRET for account number XXXX as directed by creditor / consumer XXXX XXXX pursuant to 15 U.S. Code 1692 ( c ) ( d ). VICTORIAS SECRET did not give full disclosure of their intentions with my social security number, properly autographed/ endorsed documents, nor to me being a co-signer pursuant to federal law 16 CFR 444.1 ( k ). VICTORIAS SECRET did not disclose that there would be an alleged debt pursuant to the emergency banking act [ HJR 192 PL 73-10 ]. VICTORIAS SECRET agents instructed that I sign as borrower, which is a direct violation of the FDCPA ( Fair Debt Collection Practices Act ), forcing a " consumer '' into an illegal contract. Which included installment payments, which is illegal because interest secures all debt obligations in the UCC ( Uniform Commercial Code ). I made the accommodation ( initial extension ) of credit in full consideration / satisfaction for the service obligations to VICTORIAS SECRET by my signature / autograph transmitted to VICTORIAS SECRET pursuant to UCC 3-419. The actions of VICTORIAS SECRET have been and continue to be false and misleading representations pursuant to 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) and 15 U.S. Code 1692 ( e ) ( 2 ) ( B ). On XXXX XXXX XXXX the year of our Lord, XXXX XXXX XXXX XXXX an agent ( representative ) of VICTORIAS SECRET '' from XXXX XXXX, acted as a debt collector pursuant to 15 U.S. Code 1692 ( a ) ( 6 ) and 15 U.S. Code 1692 ( d ) ( 6 ). This debt collector threatened to terminate services for the consumer XXXX XXXX XXXX account number : XXXX if the alleged debt ( obligation ), 15 U.S. Code 1692 ( a ) ( 5 ), was not paid in full by XXXX XXXX XXXX the year of our Lord, XXXX XXXX XXXX XXXX. The services of the consumer are currently suspended for non-payment. The consumer has presented correspondence to two separately provided addresses, given by VICTORIAS SECRET. However, the services remain suspended, and VICTORIAS SECRET has not returned either endorsed negotiable instrument. These debt collection actions have caused mental and financial distress, stress / hardship which violates 15 U.S. Code 1692 ( d ) and the unfair practices violate 15 U.S. Code 1692 ( f ). VICTORIAS SECRET actions are also in violation of TILA ( Truth In Lending Act ), whereby they did not disclose to this consumer the right to rescind within 72 hours. There is a rescission clause in every contract. given to you with my credit card defined in [ 15 US Code 1602 ( L ) ] and it reads The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I gave you my social security number on a credit application, which is a negotiable instrument, properly endorsed, and you have not released the credit due me. Pursuant to 15 U.S. Code 1692 ( g ), XXXX XXXX is challenging your payoff demands, and the validity and accuracy of asserted debts. Pursuant to 15 U.S. Code 1692 the consumer expresses the following : you are to cease and desist all communication to obtain this alleged debt 15 U.S. Code 1692 ( c ) ( c ) ; you are to terminate all alleged debt ( obligation ) collection efforts 15 U.S. Code 1692 ( c ) ( c ) ; all credits and forms of legal and lawful tender submitted personally by the consumer, since signing/autographing the initial agreement are to be returned immediately to the consumer in good faith c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC [ XXXX ]. The consumer grants VICTORIAS SECRET fourteen days to complete the instructions contained herein. Pursuant to 15 U.S. Code 1692 ( c ) ( c ) ( 2 ) and 15 U.S. Code 1692 ( c ) ( c ) ( 3 ) the creditor invokes the following specified remedies which will be executed if instructions are not acted upon : {$500000.00} in accordance with 15 USC 1692 ( k ) Release the surety and the debt ; discharge the alleged debt and bring the account to XXXX the right of subrogation satisfaction and consideration for the severe mental, physical, financial stress / hardship satisfaction and consideration for financial loss times 7 ( in accordance with proverbs 6:31 KJV ) the rights and benefits of the creditor against all persons who were liable for the debt satisfaction and consideration of {>= $1,000,000} in accordance with 15 U.S. Code 78ff ( a ) as the fine for for violation of THIRTY-NINTH CONG . SESS. II CH. 187, 188. 1867, page 546, March 2, 1867 CHAP. CLXXXVIL ; Fair Debt Collection Practices Act ; Emergency Banking Act of 1933, and 18 USC 1589 ( d ) FAIR RESOLUTION : VICTORIAS SECRET agents, associates and/or employees violated 15 USC 1692 ( False or Misleading Representations in Communications ; Unfair Practices ; Harassment or Abuse ) and THIRTY-NINTH CONG. SESS. II CH. 187, 188. 1867, page 546, March 2, 1867 CHAP. CLXXXVIL. In accordance with 15 U.S. Code 78ff ( a ) Penalties Fair resolution consists of : Release the surety and the debt ; discharge the alleged debt and bring the account to zero the right of subrogation consideration for the severe mental, physical, financial stress / hardship and loss of employment satisfactory consideration for the value of any property, or the property itself times seven ( in accordance with proverbs 6:31 KJV ). All the rights and benefits of the " creditor '', " consumer '', relinquished to the " creditor '', " consumer '' from all persons, natural and Ens Legis, who were participants in the violation of " creditor '' " consumer '' rights pursuant to The Truth in Lending Act, Fair Debt Collection Practices Act, 15 U.S. Code 1692 and all other applicable Federal and International violations. for the debt {>= $1,000,000} in accordance with 15 U.S. Code 78ff ( a )
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A