Date Received: 2021-07-12
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: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2021 I sent ADS/COMENITY/VICTORIA a cease and desist stating to stop all illegal activity and stating my demands one being to send an audit trail so I can dispute the validity of this consumer credit transaction. I have yet to receive any correspondence from ADS/COMENITY/VICTORIA as the consumer and natural person when I exercise my right to validate an alleged debt the debt collector shall let it be known that they have received said correspondence and that they are or have investigated pursuant to 15 USC 1692g my rights to validate the debt has been violated. I have attached proof in EXHIBITS A and B of green receipt. I also have attached original correspondence as well Exhibit C. I also have attached debt validation.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Commenity Bank I have for XXXX XXXX XXXX and others. They were great then the virus hit. They mark on credit report late payments all year ( workforce was shut down ) so I began paying again. Asked the fix credit was turned down. I payed my XXXX XXXX off they turned around and closed it due to lack of use. HELLO no stores opened last year. Customer Service calls 3 times a day sometimes past XXXX ET for a payment. Just got off the phone with some guy telling me he wants to take me to court because I paid {$40.00} and not full amount Seriously this is totally harassing customers
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: According to reviews at the XXXX, this happens to thousands of consumers with this bank! ***** XX/XX/2021 Last charge on card at XXXX ( Store credit card ) ***** XX/XX/2021 I paid my full balance of $ XXXX XX/XX/2021 I am charged {$3.00} late fee ***** XX/XX/2021 I am charged {$2.00} minimum interest charge***** XX/XX/2021 I again, paid off my balance $ XXXX XX/XX/2021 I am being charged {$2.00} minimum interest***** XX/XX/2021 I am charged {$2.00} Late fee***** XX/XX/2021 AGAIN a minimum interest charge of $ XXXX XX/XX/2021 Paid off balance AGAIN***** XX/XX/2021 {$2.00} minmum interest charge***** XX/XX/2021 Paid off AGAIN***** Support was of no help and responded wit bogus answer
Company Response:
State: TX
Zip: 76522
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Hello, My account is not past due. In fact, this is a clerical error that I have asked your company to fix several times, you have refused to do so. Again, here is the issue that needs to be fixed : 1. I purchased an {$80.00} corset with my credit card 2. I returned the corset before the billing date 3. The return was not reflected on my billing statement because, according to your company " It takes 3 weeks '' I was told the balance would be {$0.00}, but instead I was charged a late fee. 4. The {$80.00} charge was removed from my credit card bill, but the {$40.00} late fee remained. I don't owe anything. I returned the item. I was told the balance would be {$0.00}, but instead I was charged a late fee. This is not something I can change on my end. Your company has to fix this error. I've reported you to The Federal Trade Commission ( FTC ) You should hear from them soon. Thanks
Company Response:
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am XXXX XXXX, and the author of this complaint. Please note that although this account has been disputed the tradeline is not marked as such with the CRAs, and as it should be. This is not and has never been, a request for Validation of Debt ( referred to as VOD ). I do not and have not asked for any VOD documents. 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 ). Please REPORT any clarity you would then like to draft a letter for, and this is what the complaint is about. This complaint includes the CRAs, for now XXXX and XXXX. 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. This complaint is 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, FCRA. I will say if it is happening to me, its systematic CFPB, and then happening to all customers with an adverse account. There is an Original Complaint with Comenity including XXXX, and the ID is XXXX. That complaint was created because of missing data on this tradeline, and inaccurate data. This current complaint is with XXXX ONLY. Each additional Comenity Creditor/Lender/Original Creditor/Credit Grantor Tradeline on my report, will be communicated distinctly and then with its own complaint. 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 for that response. You also attached responses, one of which is attached as XXXX XXXX-Final 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 https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text You will want to refer to section 803. Definitions ( 6 ) and ( 4 ) And then, ECFR, governance on your responsibilities are defined here. https : //www.ecfr.gov/cgi-bin/text-idx? c=ecfr & SID=89d50ede6e4072bde4d4a944a89bd200 & rgn=div5 & view=text & node=16:1.0.1.6.77 & idno=16 # se16.1.660_13 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. Your last reported date on my report is XX/XX/XXXX. I am attaching, as screen shots, and from many sources including raw credit reports from the CRAs themselves for 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, sourced from a XXXX as a raw Credit Report ( directly from the CRA, not online report ) XXXX, that results in this, see attached as : XXXX Comenity XXXX In Comments, Comenity reported Purchased buy another Lender - Paid in FULL Was Charge OFF, Question is it Paid Off? If so, how was {$0.00} sold? No account can exist with a Pay Status of Charge OFF, if it has been Paid off, as per Metro2 guidelines. Yours- does, and then contradicts itself. Your Pay History is now NULL/Blank ( XXXX communicated they sent/send it ) Its filled with X from the accounts inception. X is UNKNOWN Attached as XXXX Pay Rating That 30, 60,90 day late etc is not reported. Last Payment made XX/XX/XXXX, How much? What then became the balance? What accrued from that date? There is no Pay History/Rating There is no Balance History Your last reported date is XXXX 2 years of all were within your systems to report its history. Lacking a complete and accurate Tradeline what is the Date of First Delinquency ( DOFD ), you Comenity REPORTED? I then, dispute the FCRA DOFD and based on your reporting in this incomplete and inaccurate Tradeline. I also assert this tradeline is both incomplete and inaccurate. Then another source, You, Comenity/Creditor are reporting this Tradeline at XXXX XXXX attached as : XXXX XXXX XXXX 2 XXXX, and XXXX XXXX XXXX XXXX XXXX 1. Last Payment made XX/XX/XXXX 2. For what charges? 3. Where is the Balance History? 4. Where is the Pay History/Pay Rating? 5. Remarks/Comments do not match whats on XXXX raw report. 6. Because there is absolutely no history XXXX is saying that there is no Late Payment History XXXX Raw credit report from XXXX Attached as XXXX Comenity XXXX 1 and XXXX XXXX XXXX 2 1. The Account Number is NULL, or Blank on the raw credit report, XXXX from XXXX 2. This Account Name states that this account is CLOSED 3. This account then lacks a Closed Date? 4. What is then Reported, as the Date Closed? 5. This Tradeline is then also reporting Available Credit, when this value is diverted, to a field called High Credit when an account is CLOSED as per Metro2 definition 6. The Pay/Ratings History is BLANK 7. The Balance History BLANK 8. Please ensure the Balance History is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete 9. Please ensure the Pay History, is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete 10. Because this account is charged off/closed, I do not believe there are applicable TERMS that can be reported, for repayment and on a closed account. 11. Creditor Classification is Unknown and should not be, please assign a valid value. 12. Date of First Delinquency neither is not supported by the PAY/Rating history nor the Balance History. 13. I therefore dispute the FCRA/DOFD Date 14. There is then no Charge OFF Amount 15. Again DATE CLOSED is Blank XXXX XXXX XXXX XXXX XXXX Comenity XXXX 2 XXXX Online credit report from XXXX Attached as XXXX XXXX XXXX XXXX Comenity XXXX 2 and XXXX - XXXX XXXX Comenity XXXX This Account Name states, and then stores the account as CLOSED This account then lacks a Closed Date? What is then Reported, as the Date Closed? This Tradeline is then also reporting Available Credit, when this value is diverted, to a field called High Credit when an account is CLOSED as per Metro2 definition The Pay/Ratings History is BLANK The Balance History BLANK Please ensure the Balance History is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete Please ensure the Pay History, is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete Because this account is charged off/closed, I do not believe there are applicable TERMS that can be reported, for repayment and on a closed account Creditor Classification is Unknown and should not be, please assign a valid value. Date of First Delinquency neither is not supported by the PAY/Rating history nor the Balance History. I therefore dispute the FCRA/DOFD Date There is then no Charge OFF Amount Again DATE CLOSED is Blank 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 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. Fix the tradeline, to ensure Comenitys goal is attained or delete it.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account # XXXX - ComentityCapital/XXXX On XX/XX/XXXX, I paid XXXX to settle the account. The account is paid in full and is closed. The charge off for ComentityCapital/XXXX has not been updated. I contacted XXXX & XXXX on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX by mail on XX/XX/XXXX. I looked at my credit report through XXXX XXXX and saw that this account was updated with no remarks. I followed up with XXXX & XXXX and was told that ComentityCapital/XXXX has informed XXXX & XXXX that the account is a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I filed a 2nd Dispute with XXXX on XXXX and will file with XXXX today. I would like for Comentity Bank/XXXX to request removal of the tradeline from all three credit bureaus. If they are unable to, I would like for them to inform XXXX and XXXX that this account has been settled and paid. XXXX has this account listed as Paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a XXXX parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX, XXXX XXXX Letter and the police report from the fire that destroyed my home. Thank you for your cooperation.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account # XXXX - Comentity Bank/XXXX On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account is paid in full and is closed. The charge off for Comentity Bank/XXXX has not been updated. I contacted XXXX & XXXX on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. I looked at my credit report today through XXXX XXXX and saw that this account was updated with no remarks. I followed up with XXXX & XXXX and was told that Comentity Bank/XXXX has informed XXXX & XXXX that the account is a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I filed a 2nd Dispute with XXXX on XXXX and will file with XXXX today. XXXX has removed this account from my credit report. I would like for Comentity Bank/XXXX to request removal of the tradeline as well. If they are unable to, I would like for them to inform XXXX and XXXX that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a XXXX parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX XXXX XXXX, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I received a phone call from Comenity Bank in regards to Wayfair. I do not have an account to my knowledge with Wayfair nor have I ever ordered anything from Wayfair. This was not the first phone call that I received from this bank. It is at the point of harrassment. XXXX XXXX stated well maybe we are looking for a different XXXX XXXX. I will not identify myself on the phone because they will not have me recorded as saying the word yes. the phone number that I am left to call is XXXX ext. XXXX
Company Response:
State: LA
Zip: 70601
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A