Date Received: 2021-09-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: We received an e-mail on XX/XX/XXXX from XXXX Credit Card servicing XXXX indicating that we had a payment due on XX/XX/XXXX. We check our bank account every day and no E-Bill from Comenity Bank was indicated. On XX/XX/XXXX, we received an email from Comenity indicating that our payment was past due. Shocked we checked the XXXX credit card and found we missed a payment. But we thought the payment was due on XXXX. We immediately made a payment on the first available date, XXXX XXXX through our bank account. We complained about the bank 's error and received a late free credit of {$29.00} on XX/XX/XXXX. On XX/XX/XXXX we asked Comenity customer service to credit our account for {$4.00} in interest charges. We were denied. We do not believe this is acceptable as this was a Comenity error to begin with was shown on the attached email.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Tried to resolve problem with the company. Company refuses to assist. Contact local precinct for assistance. Local precinct, provided steps to follow to have issue resolved.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
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: To : Consumer Financial Protection Bureau, Attn : CFPB Ombudsmans Office, XXXX XXXX XXXX. XXXX, XXXX, D.C. XXXX From XXXX XXXX XXXX Cell : XXXX Email : XXXX Re : XXXX Case XXXX XXXX I am requesting your assistance in resolving the apparent fraudulent use of a MasterCard ending in XXXX by XXXX and/or XXXX or persons unknown in their systems which allowed them to claim a refunded tickets from XXXX in the amount of {$1000.00} as described below. On XX/XX/XXXX I purchased online round trips tickets to XXXX, XXXX through XXXX.. My departure date was to be on XX/XX/XXXX from XXXX XXXX New York ) to XXXX ( XXXX ), XXXX. My return flight was to be on XX/XX/XXXX from XXXX ( XXXX ), XXXX to XXXX ( New York ). XXXX used my primary Visa credit card in their system ending in XXXX. Shortly after that XXXX went into to lock down due to the Covid-19 pandemic. All international flights coming to and from the United States were grounded due to Covid. XXXX Itinerary : # XXXX and the XXXX Ticket : # XXXX On XX/XX/XXXX, I rescheduled my itinerary due to the Covid lock down through XXXX. Apparently, XXXX assessed a small rescheduling fee of {$17.00}. Instead of using my primary Visa credit card in their system XXXX and/or XXXX or persons unknown in their system used a MasterCard ending in XXXX. I don't possess this MasterCard nor is it a listed as a secondary card in my XXXX account. XXXX Itinerary : # XXXX and XXXX Ticket : # XXXX On XX/XX/XXXX I canceled my travel plans because XXXX was still in Covid-19 lock down until XX/XX/XXXX. I requested a refund from XXXX back my primary Visa credit card in my XXXX account ending in XXXX. XXXX refunded to {$1000.00} on XXXX XXXX, XXXX back to the MasterCard ending in XXXX because it was the last card of record in their system. As stated above, I do not have a MasterCard ( XXXX ) nor is it listed as a secondary on my XXXX account. When I questioned XXXX about the refund, I was told to contact XXXX. When I contacted XXXX, I received a summary email of the transactions in their system stating that my refund was directed to MasterCard ending in XXXX because it was the last card of record. When I questioned XXXX again they insisted that the Master carding in XXXX was my credit card. They absolved themselves any further responsibility in returning the refund to my primary card Visa in their system card ending in XXXX. Neither could they explain why this MasterCard ( XXXX ) was used instead of the Visa ( XXXX ) to pay the rescheduling fees. It is my opinion either XXXX, or XXXX, or persons unknown in their system fraudulently used their MasterCard ( XXXX ) to pay the rescheduling fee thus becoming the credit card of record in the XXXX system which allowed them to collect my refund. Your assistance in this matter would be greatly appreciated. Attached files : 1 ) XXXX statement explaining the transactions from XX/XX/XXXX ( TKT XXXX and TKT # XXXX ) to XX/XX/XXXX as well as their refund to MasterCard ending in XXXX. 2 ) A list of my current and closed credit cards from XXXX.
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I had a XXXX XXXX credit card through Comenity that I called to close over a year ago. Last week, I got a notification that XXXX XXXX had made a hard credit inquiry on me. I had no idea why until today - I received an unsolicited XXXX XXXX Credit card through XXXX XXXX, which is XXXX XXXX new provider. I called, and XXXX XXXX had no record of the account being cancelled. They say they can not remove the hard query ( which hit my credit score ), and that I also had to cancel the account again ( which will hit my score AGAIN ). I did not authorize any of this, and have had my score hit twice because of someone elses mistake. Please note that my last name is now XXXX, but the card was issued in my prior name ( XXXX ), in case that helps with identifying the matter.
Company Response:
State: NC
Zip: 28209
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This account is being reported as Collection/Charge-Off.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a credit card in the mail from XXXX XXXX that I did not apply for. When I contacted them they asked me to call the Bank that opened the credit card Commenity Bank. When I called them they said someone had used my identity, my social security and date of birth to open a credit card in my name and had charged {$570.00} on beauty products. They have closed the account and I have also contacted XXXX to place a fraud alert on my account. I am fearful of new accounts being opened and so am reaching out to you ... Thank you
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have these accounts that are not mine and i want them to be removed from my credit. 1. Identity Theft XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft CB/NY & CO Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I had purchased some items with the credit card and payed the whole amount in full. When I was paying the amount in full through the phone I verified with the bank multiple times if I had any remaining balance, which they verified that my balance was now at XXXX. I started getting calls that I had late fees and that I still had a balance on my card. I called the bank and once again I told them my situation to which they said they " fixed ''. I asked multiple times if I indeed did not have a balance anymore to which they responded that I did not. 2 weeks later I started getting late fees once again. I called for the 3rd time to the bank and I had already backed up late fees and explained for 2 hours my situation to which they only wanted me to pay they did not care about what I had gone through previously. After on XX/XX/XXXX I sent out a letter to try to make the company understand that the late payments are inaccurate as I paid the account in full. To this day I have not gotten any response and they are still calling me saying that I owe them all this money.
Company Response:
State: TX
Zip: 79925
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: i was reviewing my credit reports for emplyment verification, credit denied fora essential product car for replacement transportation lost in car accident in XX/XX/XXXX and as a survivor of declared disasters XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and noticed that Comenity Bank XXXX XXXX falsely reported inaccurate information to my three credits reports agency, in the monthly terms covered by the CARES ACT AND following BILLs of the declared disasters and national emergency crisis, where mandated that missed payments should not be reported and no late fees charges applies. i was severe affected by XXXX, XXXX and their disruption that caused me lost all of my incomes, all my rights violations, lost of my employments, and future contracts, abuses behaviors against me, car accident with property loss, two involuntarily relocations, credit discrimination, housing discrimination, source of income discrimination, and victim of misleading and predatory acts of Banking Institutions such as XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and Landlords XXXX XXXX & XXXX XXXX XXXX, falsely accusations from XXXX XXXX, XXXX XXXX and XXXX XXXX immediately neighbors and relatives of the Landlords of my home for 5 years from XX/XX/XXXX to XX/XX/XXXX that acted against my right to work, my privacy and intimacy and my right to self defense and defense of my home, myown safety and other rights violations that caused me a lot of damages and losses of my patrimony and effort for 23 years at that time, and lost of my belongings with the only purpose to steal my home property and the mortgage payment made for approximately {$150000.00} plus the payment of more than {$250000.00} in property repairs and replacement through the five years under abuses and stalked conduct from the neighbors to intimidated me to leave the property. I did not owed the inaccurate amount reported from XXXX XXXX, they under the cares acts and bills those charges do not proceed. i request an immediate fix of the inaccurate information reported it was affected me in my employment and credit verification and i have the right to privacy cover under the constitution, i was a survivor of the disasters and i was severely affected, i did not received any aid or sba help during XXXX and XXXX, neither under XXXX received nothing from sba they denied me the aids and the loans due to credit report and it is unequal treatment, and credit discrimination.
Company Response:
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A