Date Received: 2021-07-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
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: CFPB, as it mostly only assists connecting with companies to respond, need it to get Comenity to directly respond about the concerns already brought to its attention since XXXX so, it was not as Comenity had not known concerning it. As workers refused to connect me to the appropriate worker working on this, going through CFPB to get its response ; as CFPB as a federal agency, able to get most companies to respond ; though its just to respond, with no oversight of regulations, unfortunately. Anyways, it should have no need of any occasion as it had been ensuring that it inappropriately does not resolve any concerns since XXXX so, it has been plenty enough additional times. Its not necessary for it requiring additional time to conduct its investigation that goes no where. Had it been truly thorough or extensive, it would contact me or provide a worker for me to connect when they requested In order to resolve and/or investigate the concerns, we need the contract provided from the merchant, true? Where do i provide such requests to at Comenity? How do i let it know that it needs to contact XXXX for its desired contract, as XXXX had been ignoring avoiding any requests i ask it for, also i have been unable to call through to any worker, same as Comenity, unresponsive with no worker contacts so, unable to obtain any contract so, Comenity needs to get it itself from XXXX, not from the clients. This was where the matter was wrong. Had i been able to communicate with XXXX, would i seek Comenity to handle the fraud charges? Prior to its irresponsible denial, Comenity refused proper responsible assistance to its clients by denying clients rights by asking for more detail descriptions of the charges with XXXX, which were provided many and countless times, it now denies clients rights again, using the ploy of needing the contract so to assist? Why it did not seek this years ago? XXXX year. Does it truly apologize for any inconvenience? Or this is just its methods of providing its other deceptive practices of not truly resolving clients concerns? It provided no responses ever prior to letting CFPB knows. we'll provide our response immediately upon the conclusion of our investigation Without letting a federal agency know, Comenity never concludes any of its investigation. It shows. From years ago. XXXX year. Kindly CFPB, actually enforce financial places such as Comenity, instead of letting it off. Hold its workers responsible, not just allow companies senselessly Company 's Response, which are useless with all of the concerns still all unresolved ; as shown, as revealed. The CFPB is an independent federal agency built to protect consumers Otherwise, this whole government agency stuff is truly useless and meaningless truly. Comenity Workers, your previously letters of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting additional information that your in need of, has already been provided many times, online and telephone calls. Though you received your desired information, your further researching of the concerns gets no where, just with asking for the same stuff. How much the same additional information can be provided? truly. Your research gets no where, you are happy to refuse the return of the funds. Also, you offer no fax numbers or e-mail addresses to provide your repeat additional information to you, also, no worker to contact that handles the concerns. Besides the postal mails, your online acct log-in had been unable to contact to the department of worker working on the concerns. Again, here are the same additional information that you desire. XXXX XXXX connected me with XXXX XXXX. Already mentioned previously. Repeat here again, This company supposedly provided repairs to homes as warranty. When using its services, requested claims, they would not respond. Tried reaching them through e-mails, telephone calls with no responses. Then, contacted them to cancel as they were not providing their services. Unable to cancel as they wont respond. XX/XX/XXXX called with e-mails. XX/XX/XXXX {$2200.00} XXXX falsely advertising coverage services which none were ever provided. Contacted through e-mails and calls many times. XXXX Worker XXXX did not call as mentioned. No other XXXX workers ever returned calls or heard from as arranged. XX/XX/XXXX requested cancellations for return of the funds. Again, provided to Comenity. Comenity has not provided any assistance with this, delayed years. Now XXXX. Any more repeat information, you may contact me through the contacts that you have on file with me. Close Comenity. XXXX close credit card
Company Response:
State: CA
Zip: 911XX
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
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 first began disputing the item in XX/XX/2021, nothing was done. On XX/XX/XXXX I submitted a dispute to XXXX to have the account updated or negative status removed off my credit report. I also submitted a dispute in writing to the creditor and called them but both have refused to update the account. It is the same for al three credit bureaus.
Company Response:
State: FL
Zip: 33543
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am XXXX XXXX, and the author of this complaint. I am not a Credit Repair Agency nor counselor, I have just learned to love the DATA. The screen shots provided in this complaint, are from credit reports accessed through XXXX and XXXX itself, and by me with my PII data. Do Not Contact remains. As such, as part of, and then the result of this investigation, I request the method of verification from this complaint and then a printed, USPS, mailed Credit Report from each CRA named in this complaint and then as allowed by all rules/mandates. This is not and has never been, a request for Validation of Debt ( referred to as VOD in this complaint ). I do not and have not asked for any VOD documents. Accounts within this Complaint Comenity Ann Taylor and Ann Taylor MC CRAs in this complaint XXXX and XXXX Instead, this complaint has always been about FCRA and FCDPA and your responsibilities as a Data Furnisher and the ONLY Creditor tied to this tradeline, and as the Original Creditor ( owner of this record ). Comenity - Please REPORT any clarity you would then like to draft a letter for, and this is exactly what the complaint is about. Report it do not send/attach a letter. No one outside of me will see it unless you report it accurately. When life happens, report it accurately for ALL consumers, that is my intent and goal at this point. My attachment is my own, proprietary and not authorized for anything or anyone/or use, outside of this complaint. The Tradelines in this complaint is Ann Taylor and Ann Taylor MasterCard. This complaint includes ALL of the CRAs, for now however, XXXX and XXXX. When you acknowledge/begin understanding, that this tradeline is inaccurate, and incomplete, please either fix it or delete it. All I have access to is the RESULT of whatever you all are doing/not doing, the gap in my space is that I neither produce the file, nor am I the end system/recipient of the data in the integration/file. But - I love data and forgot, that I did this blindly for over 20 years. For this complaint its really only between whoever sends the data and loads it. Own your expected result CRAs fix it with the DF when its not, and as governed. I am nowhere in the/this FIX. I will point put the erroneous data, errors and for free, for now. This complaint is a bit long detailed and tied specifically to the data elements existing within my credit report ( s ) and its compliance with Metro2 Guidelines and that of Data Accuracy with the CRAs and then FDCPA. I will say if it is happening to me, its systematic CFPB, and then happening to all customers with an adverse ( or possibly clean ) account with or from Comenity. A file is a file. Integrations are Integrations, exceptions are coded. I will suggest that your existing, and robust IT Teams assist in the complaint, as it is tied specifically to Consumer Data, Credit Profiles, Credit Reporting, Integrations, Files, Data Furnisher Databases, Flat files, Compliant Files, CRA reports, CRA Views and Metro2. Your response to the original complaint is posted below. We're no longer the creditor on the accounts. Contact information for the new creditor is included in the uploaded response letter. We decline to delete the accounts from the credit report. Weve verified were reporting the accounts correctly to the credit reporting agencies. Were required to report factual information. Thank you again for that response Comenity. You also attached responses, one of which is attached as XXXX XXXXFinal Response CB ( 1 ) Added XXXX CFPB, a section of it is pasted below. Were reporting the accounts correctly, as required by law. Weve verified that were reporting the correct information regarding account closure dates, first delinquency dates, account number, payment history, date of last activity, etc. Additionally, although the accounts are closed, we do advise the credit reporting agencies of the credit limit on the account. For more information on how the credit reporting agencies may reflect this information, or general questions about information in your credit report, please contact the credit reporting agencies by using the following information : Comenity ( Original/Only Creditor ) - I am relying on the FTC rules that govern you, as a both the Original Creditor/ Lender and Data Furnisher on this tradeline. FTC Site Definition of Debt Collector/Creditor XXXX XXXX XXXX You will want to refer to section 803. Definitions ( 6 ) and ( 4 ) And then, ECFR, governance on your responsibilities is defined here. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Repeated A Few things of note with this complaint and then the response provided by Comenity. 1. There is an absolute and then compliant difference between a Creditor/Lender/Credit Grantor and a Debt Collector 2. You Comenity, are both the Original Creditor and then, the only Creditor associated with the account. Your responsibilities as a Creditor, remain. 3. Whoever you sold this account to becomes the Debt Buyer/Collector. See definition of a Debt Collector/Buyer 4. You are the Data Furnisher for this Tradeline and YOU are reporting data to this Tradeline and have created its current state. 5. The complaint is about your TRADELINE 6. Your last reported dates on my report is XXXX to XXXX respectfully and across all CRAs, deltas/changes are in fact traceable and even reported by Comenity. Your Dates of First Delinquency ( FACRA Dates ) Pay, Rating Balance History, Available Credit, Account Status etc are a bit suspect. I am attaching, as screen shots, and from many sources including raw credit reports from the CRAs themselves your tradelines. Comenity, said in their original response : Weve verified were reporting the accounts correctly to the credit reporting agencies. Were required to report factual information. And Weve verified that were reporting the correct information regarding account closure dates, first delinquency dates, account number, payment history, date of last activity, etc. Additionally, although the accounts are closed, we do advise the credit reporting agencies of the credit limit on the account. Thank you for providing and then acknowledging your commitment to accuracy, and then the data you sent/send to the CRAs. Comenity/Creditor/Original Creditor, is reporting this Tradeline To XXXX/XXXX/XXXX, sourced from a XXXX as a raw Credit Report ( directly from the CRA, not online report ) XXXX, that results in this, see attached as : Comenity AT Both 3 CRA I then, dispute the FCRA DOFD and based on your reporting in this Tradeline. I also assert this tradeline is both incomplete and inaccurate. This complaint demonstrates the data issues between Comenity and then the CRAs. This is not my battle, unless it goes to court. The Data exchange between the OC/DF and the CRA with due diligence, and or discovery can and will flush this out. XXXX in theory verifies the true expected results Comenity is saying is acceptable. Please Fix the tradeline, to ensure Comenitys Data Accuracy goal is attained, and with understanding of Metro2 - and true expected results - or delete it.
Company Response:
State: NJ
Zip: 07901
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida XXXX I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Furthermore, I requested proof from the creditor, they were unable to provide me with any proof otherwise.
Company Response:
State: NY
Zip: 11563
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a credit card from CCB/XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CCB/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CCB/XXXX with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late.
Company Response:
State: CA
Zip: 91303
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
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: 33033
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
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: I am disputing a charge of {$29.00} plus interest, shipping and handling and sales tax to my credit card account on XX/XX/2021. The charge is in error because the item I ordered was missing from the delivery. I have been in contact with the company by phone calls, writing emails since XX/XX/2021 disputing their error until now. I received a letter from the company XX/XX/2021 dated XX/XX/2021, after registering my dispute on the telephone XX/XX/2021 stating the purchase was paid in full at the time your dispute was received ; a credit for the disputed charge ( s ) will not be applied. I responded " You will see on my bill of XX/XX/2021 which was the bill the following month of the charge on XX/XX/2021 that I was charged a minimum interest charge of {$2.00} because I did not pay for the missing item. I didnt want anymore interest charge so I paid my bill but you can see on the Statement Closing date XX/XX/2021 that there was a balance of {$35.00} which was the balance on XX/XX/2021, the date of my phone call and again a request for the missing item. It was not until XX/XX/2021 when my auto payment of {$29.00} was applied. '' Why would I be denied a credit for an item that I did not because I pay my bills?
Company Response:
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a consumer, a natural person pursuant to 15 USC 1692a ( 3 ). Pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. Everything that is on my credit report should be 100 % complete and accurate. I have sent multiple letters to XXXX XXXX XXXX demanding " Documentary Evidence '' pursuant to 15 U.S. Code 44 which includes all documents, papers, correspondence, books of account, and financial and corporate records showing material fact or evidence regarding account in question that is being furnished on all 3 of my credit reports claiming that I owe an alleged debt. Pursuant to ( FDCPA ) Fair Debt Collections Practice Act, XXXX XXXX XXXX, have failed to provide : ( 1 ) Ownership of alleged debt owed. ( 2 ) Please furnish a copy of the original promissory note redacting my social security number to prevent identify theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters. ( 3 ) Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. ( 4 ) Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. ( 5 ) Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note. ( 6 ) Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. ( 7 ) Please verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are nontransferable. ( 8 ) Please provide verification from the stated creditor that you are authorized to act for them. XXXX XXXX XXXX, have violated my consumer rights to privacy with false, deceptive, or misleading representation, identity theft and fraud. Below are a few violations by XXXX XXXX XXXX. Pursuant to 15 U.S. Code 1692b ( 5 ) .Acquisition of location information. Pursuant to 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection. Pursuant to 15 U.S. Code 1692d ( 5 ) - Harassment or abuse. Pursuant to 15 U.S. Code 1692e ( 10 ) .False or misleading representations. As a result of the harassment by XXXX XXXX XXXX, I have been damaged Financially, Socially and Emotionally and demanding monetary relief for violations of my consumer rights when given opportunities to fix this issue. I am demanding ALL accounts in question be removed from ALL 3 of my consumer reports.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Loan was paid off in XX/XX/XXXX. Fees are being charged to my bank account that have no basis after payoff. This is the second time, once in XX/XX/XXXXand once in XX/XX/XXXX. The bank says they dont know why and in fact see no record of it.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A