Date Received: 2021-07-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Dates and times of phone calls from Comenity Bank to my personal cell phone - a total of 56 phone calls in 14 days. These calls are listed as being originated from the following locations and numbers : Comenity Bank XXXX XXXX XXXX, KS Comenity Bank XXXX XXXX, OH Comenity Bank XXXX XXXX, OH XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21 XXXX These calls are logged in my cell phone call history and with my carrier.
Company Response:
State: IA
Zip: 50315
Submitted Via: Web
Date Sent: 2021-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: While assigned a fiduciary when deemed incompetent there were account that seem to have been opened and paid for out of his best interest by the assigned fiduciary in the fiduciary 's best interest with the permission or consult of Mr. XXXX or the VA authority HUB itself. Attached you will notice a list of debts that are required at the beginning and end of a fiduciary 's duty that shows the bills that are being paid and outstanding so that the VA know the circumstances of the veteran for the oncoming fiduciary. You will notice that the debts being contested or disputed are not listed on this legal document due to the fact that the legal fiduciary opened these accounts fraudulently and was keeping them hidden from the VA, but was still paying them out of the veterans ( Mr. XXXX ) bank account, which was not in his best interest. That is why to some creditors it looks like it was indeed the veteran that opened them and paid out of his account, but in fact he had no control over his finances and his fiduciary was the one opening accounts without his knowledge and permission and illegally, and it shows deceit by not even informing the VA with the bills report while doing so. After years of treatment and rehab Mr. XXXX was able to get to a status where he was able to learn and gain his memory and other things back. at this time he quickly got divorced when he noticed things were happening that should not be and after some time researching what has been going on with things and looking at his records and files, which took some time he realized what was and wasn't his and now is able to start managing his own finances which is document is these attachments. After realizing that he was paying bills for things that was not even his responsibility he realized something needed done and that is why we are where we are today writing this complaint. He has tried many avenues to get these issues fixed, but has gotten anywhere except harassed and accused of many horrible things by the customers service reps from these credit card agencies and it's about time that they correct the issues they have put him through and more! This isn't how we treat war veterans that come back to the USA with injuries then get taken advantage of by an evil person and then have to deal with even more inconsiderate humans while trying to get things fixed, its a disgrace that someone has to deal with this much XXXX in their life over fighting for their country. there are plenty of attachments to support these facts, and please understand what a fiduciary is since most people dont and think that if someone is deemed incompetent they must have a POA, that is incorrect when it comes to federal monies so please make sure your very versed in your knowledge when responding and trying to make more accusations as expected like other times instead of accepting the truth.
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: WAYFAIR AND COMMENITY IS REPORTING MY XXXX CARD XXXX, THIS ACCOUNT WAS PAID IN FULL NEVER LATE AND CLOSED LONG BEFORE BANKRUPTCY
Company Response:
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a credit card with comenity bank, that i paid in full on XX/XX/2021, they kept charging me trailing interest and late fee over the trailing interest which I kept paying, no explanation as to why they kept charging me, the last fee was paid off in XX/XX/XXXX, they reported me late XX/XX/XXXX, I am in the process of buying a property and my credit score when down significantly, and now I am facing losing my EMD deposit of XXXX, because my fico is too low for the program that I am currently doing, my closing date is XX/XX/2021, and we dont have enough time to switch to FHA financing. please help. thank you,
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
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: This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
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 XXXX XXXX XXXX is reporting inaccurate information on COMENITYBANKXXXX 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: 191XX
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
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 been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my credit report : XXXX XXXX/XXXX Balance $ XXXX-Date Opened : XX/XX/2015 XXXX
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have several commenity bank store cards. Every month every single time I try to make a payment I receive a we are having technical difficulties. I will try repeatedly to make a payment and receive the same statement. I then try to lookup my account and I receive thie information is incorrect. I finally have to call and make a payment over the phone. It is every single time and Im beginning to think they do this so you are late paying your bill.
Company Response:
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There were about {$7100.00} in fraudulent charges on my Comenity credit card which Comenity did not hold me responsible for, but they did assess late fees and interest on said fraudulent charges. On XX/XX/21 Comenity said they would remove the account entirely from the credit reporting agencies, however, they did not. All three major credit reporting agencies continue to reflect the account and continue to report up to 60 days late!! I continued to make payments on the account for the charges I DID authorize but am still being penalized!
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX Credit Card managed by Comenity Bank they are charging interest on {$0.00} balance accounts. I paid off my balance and received a {$2.00} interest charge. Paid the {$2.00} charge in addition to a {$2.00} late fee and another {$2.00} interest charge, my total payment was {$6.00} ( paid ) then I received another statement for {$2.00} interest charge on the {$2.00} that was paid the previous month. I since closed my account to keep from paying this {$2.00} a month interest on a {$0.00} balance account.
Company Response:
State: MI
Zip: 48220
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A