Date Received: 2021-08-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: We had taken a loan for a XXXX issue at XXXX office for treatment. At the time of opening the account, no information was provided with regard to the account number, monthly payment amount due etc. And we also didnt receive any information via mail. By them the first mail arrived, a late fee had already been assessed, we tried reaching out to the bank but they refuse to accept their mistake. I strongly believe that no party is at fault here but myself as the consumer is facing a remark on the credit report. They are using their undue influence to affect my life negatively.
Company Response:
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX calls me 10+ times a day every 20 minutes all day long, sometimes theyll hang up and call right back, I am only 2 weeks late on my payment because I lost my job, I tried to explain this to them but they tell me it is not their issue and they dont have to stop calling me even though I have promised to catch up before the next payment is due, it is highly stressful because I cant even receive regular phone calls with them calling at all hours of the day. If I have explained my situation and promised to handle the outstanding balance before 30 days then they need to STOP. See attached photos for proof of the excessive calling, I cant even fit all of them in 1-2 screenshots, its XXXX
Company Response:
State: AZ
Zip: 85205
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I decided to zero out the Comenity Bank credit card in XX/XX/2021 due to 1 ) not being able to use the credit card at all, 2 ) due to the outrageous amount of money I had paid for 2 fishing poles from XXXX XXXX, which was my only purchase. In XX/XX/2021, the balance was {$37.00} and there had been no additional charges. Prior to the due date or either on the due date, I was given the run around when I tried to pay off the {$37.00}, I was told I had to pay {$35.00} in store and pay the additional {$2.00} over the phone or online. So on the same day I made two payments equaling the exact amount of what was due. During the said day, I spoke with two maybe three customer service representatives and I advised that I was not happy, and that I wanted nothing more to do with Comenity Bank since my credit limit had been cut in half due to me not using the card, and secondly because I could never use the card to make any purchases only the first for the two fishing poles. After the last and final payment in XX/XX/2021, I was advised that the balance was {$0.00} and that I would be in jeopardy of Comenity Bank closing the credit card if I did not use the account/credit line. Again, I could not use the card and I was not interested in doing further business with Comenity. Fast forward to XX/XX/2021, Comenity Bank has somehow charged my {$2.00} in the month of XX/XX/2021. I was not aware of the {$2.00} charge and since then Comenity Bank has assessed two late fees in the amount of {$14.00} and it has affected my credit negatively. When I contacted Comenity Bank to inquire and resolve the issue I was told that the {$2.00} charge was assessed in XXXX and it was interest. However, this is fraudulent because I made no purchases and the entire bill was paid on/before the due date in XX/XX/2021. So there should have been no additional charges or fees. According to the 2/3 representatives I spoke with in XX/XX/2021, on the date I made the final payment, I was advised the balance would be {$0.00} and I would be in jeopardy of the account closing. So now, Comenity being the underhanded and unethical company it is has charged my account {$2.00}, fraudulently. Just to continue collecting money and harming my credit.
Company Response:
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
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: According to my credit report with XXXX the amount I owed XXXX/COMENITY/XXXX XXXX is {$8100.00} but this amount was charged off and written off. If company wrote off this account off on their taxes than I would no longer owe this money. Below is copied from my credit report : Account charged off. {$8100.00} written off. {$8100.00} past due as of XXXX 2021.
Company Response:
State: TX
Zip: 75234
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
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: 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 CCB/ZALES. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
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: The 3 Credit Bureaus are reporting inaccurate information on CCB/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2021, an account for {$5500.00} was opened and funds were paid out to XXXX XXXX XXXX when no services were rendered nor acknowledgement from surgery center of my information and application process. XXXX XXXX had contacted me from XXXX XXXX for a consultation and offered an interest free financing option for the services requested. Upon my approval she said she has set a surgery date of XX/XX/2021. 2 days later I received a phone call from another representative from XXXX XXXX trying to process a consultation and financing option as well. I told her that I had already done so and if they have my information. She told me to reach out to XXXX to verify and confirm. At that point XXXX did not respond to my phone calls, messages, or emails. I further contacted the office directly and a rep told me to keep trying that she will eventually pick up. At this point I was afraid my information was compromised. I proceeded to leave phone messages and emails to the supervisor and accounting department regarding my information being falsely taken by a representative and they too failed to respond. @ weeks later, another representative contacted me notifying me that XXXX is no longer with their office in which I emailed back to verify my information and to please confirm that all services and application has been cancelled. She too, has never responded. On XX/XX/2021 I received a statement of financing from XXXX XXXX for payment on an open account for {$5500.00}. They notified me that I have an open account with Comenity Capital Bank for that amount. I filed a dispute with their company, as well as filed a report with XXXX XXXX XXXX against XXXX XXXX, and filed additional disputes with the credit bureaus.
Company Response:
State: MA
Zip: 01420
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX I went into Victoria Secret to get some items. The young cashier in the front advise me that they had a promotion going on and that I could be eligible for a store card that will give me rewards. I ask her if this was a credit card and if this would go on my credit report and she stated no it was a store rewards card. That store reward cars are merely for rewards. She ask for my ID so she can enter my information in the system because it was easier that way instead of verbally. I ask her again are you sure this is not a credit card and she confirmed and said no this is just a rewards card. After scanning my id she began bagging and then ask me to enter my last four of my social. Here is where I questioned it again and she responded this is just for store purposes and to have on fine with your rewards account so that we can identify you when redeeming rewards. Once I provided her with this she began to bag my items. about 2 minutes after that she advise that the system needed for her to call to verify my identity. I was confused. I ask why would the system need to verify my identity for a rewards card. The girl at the registrar then stated she was unaware the rewards card and credit card were the same thing and if I wanted this card which from the beginning she told me was solely a rewards card my credit had to be run when she called. I declined and ask for my id back. I was furious as I have been trying to fix my credit in hope to get a home in the future. She stated not to worry since we did not call this would not go on my report. I was furious at thew misinformation provided. I ask again are you sure this did not effect me. Also I advise her to become more familiar with this information as she was providing conflicting information to customers. she told me not to worry that nothing was processed and it will not be on my report. I paid and left the store. 20 minutes later I get a email from XXXX stated there was a hard inquiry on my report made by Victoria Secret. I rushed back to the store to speak with the manager about what had occurred and what was on my report. The manager stated she could not do nothing here and apologized on the cashier behalf. She stated since the call was not completed this should fall off my report by the end of the day. I ask her if it does not what should I do and she stated call customer service. At this point I was so upset and voicing to her that they should train cashier the correct way. She apologized again and reassured me that this will fall of. Today XX/XX/XXXX I look at my report and this inquiry is still here. I called victoria secrets customer service number and informed them of what occurred and the rep stated all I can do is dispute this with XXXX. I called XXXX and notified them of what occurred and the rep advised me to call Victoria secret requesting a letter stating it was okay to remove from my report. XXXX also stated if Victoria Secret did not comply that my next steps should be in contact the CFPB. I call Victoria secret back and they stated they can not provide me with a letter as they do not have any information on me on file and that they do not have access to applications. I ask how can you not habve information on me if you guys put a hard inquiry on my credit report. The Victoira Secret rep advised me I must dispute with XXXX I
Company Response:
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have tried contacting them on multiple occasions through the mail over the last year and I have yet to receive a response. This company is affecting my credit and hindering me from obtaining a loan for a home.
Company Response:
State: TX
Zip: 76107
Submitted Via: Web
Date Sent: 2021-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX allowed seller, XXXX XXXX, to lie about their location and the quality of their product in advertisements on their platform. I attempted to purchase a mask from XXXX XXXX at the beginning of the pandemic. The masked was advertised as being comparable to a XXXX mask and manufactured in the US. But, the seller was actually located in XXXX, and the mask is not comparable to a XXXX mask ( see attached pics ). In fact, it's vented, so it can't even be worn on an airplane. And, I wasn't able to ascertain any of this until it was too late because it took 3 1/2 months, plus to get the item. I tried to cancel multiple times throughout the process as well, but the seller refused every attempt then cutoff all contact, despite asking for a call tag. So, I filed a claim with Comenity Capital Bank, and they temporarily removed the charge while they conducted their " investigation '' which consisted of nothing more than confirming that XXXX XXXX had received payment ( see attached Denial Letter ). That was it. They did nothing else. Then they reinstated the charge. After being given the runaround for a month or so, I filed an appeal. In the appeal I proved Comenity Capital Bank did not do their due diligence by providing links showing that XXXX XXXX had been shut down for fraud. But, Comenity Capital Bank did not budge ; thereby, committing fraud themselves via collusion. The links supporting my argument are as follows : 1. XXXX ( SHUT-FOR-FRAUD ) : https : XXXX ( see attached PDF ) 2. https : XXXX 3. https : XXXX 4. https : XXXX I have records of most my interactions with Comenity Capital Bank showing what was and was not done throughout the entire process as well , including, where Comenity Capital Bank refused to close the account, despite making two requests in writing . They even mailed me a new card after my second request. So, if theres a question, ask. I probably have record of it. Comenity Capital Bank then referred the fraudulent account to collections, despite the evidence, so I'm now getting 3-5 calls per day from different numbers with different area codes where the caller hangs up once I answer ( see attached Call Logs, pg. 1-3 ). But, when I call the number back they all lead to Comenity Capital Bank. What's more, Comenity Bank has been sued for this in the past, yet they continue the scam. In fact, by doing a quick XXXX search you can see that Comenity Bank was sued for these exact same practices in XXXX and XXXX, and that they settled out of court each time ; yet here we are. Or, to sum up, it's almost like Comenity Capital Bank had grown so accustomed to scamming their marks ; I mean, customers, via acts of fraud that they've got the process on speed dial. And, the game of trolling " customers '' while holding their credit hostage along the way is just an added bonus. Furthermore, the responses to the fictious claims made by Comenity Capital Bank in Complaint XXXX are as follows : 1. When referencing the provided review sites with the pages upon pages of reviews just like mine Comenity responds by stating, " We reviewed the websites you provided. The overwhelming majority of complaints were related to delays in shipment and were not regarding receiving the merchandise ordered, which you did receive. '' This statement alone proves Comenity didn't do their due diligence because there are literally hundreds of complaints on these sites just like mine. All you have to do is take the time to actually read, instead of cherry picking what confirms your bias. Best part though, they completely ignore the fact that the seller lied about their location because they knew people wouldn't buy from them due to being located in the region from where the virus originated. 2. Comenity also states " We previously investigated your dispute and provided a provisional credit during the investigation. It was determined that you did receive the ordered merchandise. You provided no evidence to us, upon receipt of the merchandise, that it was defective. '' This is lie two-fold. One, I told Comenity I emailed the seller asking for a call tag because it wasn't a XXXX comparable mask, but I didn't get a response because the site had already been shut down for fraud. And, two, Comenity never ask for proof of the item being defective, nor did they allow me to respond to their assertion. They simply denied the claim then closed the case. In fact, Comenity went so far as to create a portal via their Secure Message Center, and it quickly became obvious that it wasnt really an attempt reaching an understanding. It was so unorganized and disconnected that it was clearly just an attempt at XXXX while continuing with the steamroller tactics ; hence, documenting the interaction ( see attached PDF. 3. They further go on to claim " Comenity Capital Bank attempts to contact customers whose accounts are past due in an attempt to resolve the matter. It is not our practice, however, to call customers and then hang up. We acknowledged in our XX/XX/XXXX, response to you that, during our review of the calls placed to you, we identified two calls that were inadvertently disconnected. '' Seriously, STOP LYING!!! You've been repeatedly sued for it in the past and all you have to do is call the highlighted numbers back on the attached call logs ( see attached Call Logs, pg. 1-3 ). 4. And, Comenity 's final incompetent response, " As explained in our XX/XX/XXXX, correspondence, your second dispute claimed that the charge was fraudulent and we opened a new account with a new account number which could be used for additional purchases. When a customer claims a charge is fraudulent, its our standard practice to close the account with the alleged fraud. However, since your account ending in XXXX was closed at your request on XX/XX/XXXX, we shouldnt have opened a new account when we received your second dispute in XX/XX/XXXX. The second account was closed on XX/XX/XXXX. Both accounts are closed at this time. Ok, great, but the first claim should have never been closed because you failed to do your due diligence. There was no communication. There was simply denial for profits ' sake, the steamrolling, the scare tactics then attempted extortion as you hold my credit score hostage. Truth of the matter is this is a scam two-fold, you know it, you're doing everything in your power to cover it up, and you're busted.
Company Response:
State: HI
Zip: 96782
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A