Date Received: 2021-07-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Since prior to the pandemic, Ive noticed that every time I get my balance low enough to make a purchase that COMENITY BANK lowers my available credit and it is always reduced to very close to my statement balance amount. EVERY-TIME WITHOUT FAIL. Example, today I received a letter reducing my credit limit from XXXX to XXXX and my balance is XXXX. Last time they did it was 6 months ago when my limit was XXXX and they reduced it to XXXX. ( These are round about figures but the actions of COMENITY BANK is what Im disputing. The first time when I called them, they told me that there was nothing they could do about it and I told him that the reason for my late payments was that they dont allow the auto pay feature on the account. OK, I get my negligence IF that was the reason they indicated. It was not. They told me that there was no correlation to reducing my credit limit according to my balance. Today, these actions have confirmed me that that is a lie. I was paying down my card so I could make a purchase for my birthday and this is the second time that theyve done this. and this does not allow me to make any purchases on my card. Over the last two years, my credit has been reduced by the bank. The most recent notice that I received explanation was due to previous negative relationship with the bank. Then on the bottom of the page is the mandatory credit report that they are legally obligated to send you. That is not an explanation. The only reason why I didnt pay off my account with them is because Ive had that credit card since XXXX and at this rate, once they get the money, they will close my account, And closing that account will affect my credit average. But they are weaning me off of the card one way or another but they arent being honest about it. And this actually doesnt really help me at all
Company Response:
State: NY
Zip: 11433
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: RAN CREDIT WITHOUT MY PERMISSION VICITIM OF IDENTY THEFT
Company Response:
State: TX
Zip: 77038
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
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: In XXXX I noticed a charge for XXXX from XXXX XXXX XXXX XXXXXXXX. I looked into it more and saw a few charges for the same amount some just a week apart from the same company as well as charges from XXXX for XXXX and I hadnt made any purchases from XXXX at that time. Today XXXX XXXX XXXX I went back and looked through all my credit card history and found I had XXXX charged XXXX XXXX times a month a week apart since XX/XX/XXXX totaling up to XXXX. They initially credited the money and cancelled the card and sent a new XXXX, but have now charged me XXXX on XX/XX/XXXX I called they today and they said the fraud team thought it was legit purchases. I called before that department was open this morning, so I would have to call back later. I tried calling them at XXXX and again at XXXX today XXXX XXXX XXXX but they act like they cant hear me and hang up. I have tried calling someone else to make sure it wasnt my phone and the person I called could hear me fine
Company Response:
State: NE
Zip: 68601
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: My account was included in bankruptcy but Comenity Bank failed to adhere to the court and sold my account to XXXX XXXX I would for Comenity Bank to update my file and delete the account off my credit report due to lack of verification on their part.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/21 I made a purchase at XXXX on XXXX XXXX XXXX in XXXX. The sales associate asked me if I wanted to get a rewards card that can be used only in the store to accumulate points. I repeatedly told him I did not want a credit card and confirmed by direct question that it was in fact not a credit card. He assured me multiple times that it was not a credit card but rather a rewards card. We had this back and forth numerous times. After I applied for this reward card, I handed him my own credit card to make the purchase. Subsequently, I learned that a Mastercard had fraudulently been opened in my name when I received a bill and that my own credit card that I handed him was never charged.
Company Response:
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Never received an investigation report as required by FCRA. Never received copies of the testimony submitted to three credit bureaus as required by Metro-2 and E-Oscar. I requested investigation of my account directly with a furnisher and CRA .Both failed to maintain reasonable and prescribed procedures. Please see attached correspondence. Direct Disputes Rule : XXXX. The dispute provision in 623 ( b ) discussed above only requires furnishers to investigate a consumer dispute that is filed with a CRA, which, in turn, would forward the dispute to the furnisher to investigate. When Congress passed the FACT Act in 2003, it allowed consumers to also file disputes directly with the furnisher.35 Under the regulations implementing this provision, when a consumer files a direct dispute, a furnisher is required to investigate if the dispute relates to any of the following issues : ( 1 ) the consumer 's liability for a credit account or other debt with the furnisher ; ( 2 ) the terms of a credit account or other debt with the furnisher ; ( 3 ) the consumer 's performance or other conduct concerning an account or other relationship with the furnisher ; or ( 4 ) any other information contained in a consumer report for an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. If the furnisher does not find the dispute frivolous or irrelevant, the furnisher must review all relevant information provided by the consumer in the dispute notice and conduct a reasonable investigation. The furnisher has 30 days from receipt of the dispute notice ( with the possibility for a 15-day extension under certain circumstances ) to complete the investigation and report the results to the consumer.41 If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: It is from XXXX XXXX, an online store that I have been a client for over five years. I was offered their credit card, I that was supposed to be free, and then I was told it could not be cancelled. I have been charged bogus fees because I never used it, or unlock it, so I have been charged fees for no service or purchase. I called them and I was told that to be able to cancel the card I had to pay XXXX dollars, which I did in XXXX, with the promise that I would never hear from them again. Now I was just sent another charge of XXXX dollars, because they say that when I cancelled the card I was 3 days due. For what? I was never informed that. I paid XXXX dollars in fees for no service, and no product. and now they are back to charge me another XXXX dollars? Total scam!!! Please help me.
Company Response:
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I HAVE BEEN TRYING TO GET 3 SPECIFIC ACCOUNTS THAT WERE PAID AND SATISFIED TO REFLECT THAT ON MY CREDIT REPORT. THESE 3 ACCOUNTS STILL SHOW AS UNPAID CHARGE OFF 'S. THE 3 ACCOUNTS ARE AS FOLLOWS : COMENITY BANK / XXXX COMENITY BANK / XXXX COMENITYBANK / XXXX XXXX XXXX I HAVE SENT MULTIPLE DISPUTES TO XXXX, XXXX AND XXXX AND HAVE INCLUDED THE PAY OFF LETTERS FOR EACH OF THE PAID ACCOUNTS AND THEY WILL NOT UPDATE MY CREDIT REPORT TO SHOW THAT THESE ACCOUNTS HAVE BEEN SATISFIED. I EVEN CALLED COMENITY BANK DIRECTLY AND THEY TOLD ME THEY COULD NOT GIVE ME A PAID LETTER OR UPDATE MY CREDIT, AND THAT IT HAD TO BE DONE BY THE COLLECTION AGENCY. I HAVE DONE THIS TO NO AVAIL, PLEASE HELP.
Company Response:
State: MI
Zip: 48335
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have been having problems with a Lane Bryant open without my consent. In XXXX store a Lady claim to enrolled me on a club membership for Lane Bryant and asked for all my info to get 10 % off. Regardless of what happen, refused to get a payment and said I is complementary for your application today. I still paid the bill send to me later. I paid {$19.00} for a XXXX dollar item. even do I paid the bank they gain their credit cards community Bank has attempted to get over {$500.00} dollars from me for their abuse. I reported them to the credit bureau and they fail to give a solution to the situation. till now they have been lying on my credit report and harassing me for no reason giving bad feedback about me even do I paid. their persuasive agents become personal, aggressive and attempt to induce you to pay more and more every time their abusive customer service personnel become very personal agressive and inducing when I call claiming random reasons as to why I should give them more money every time. I need help.
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A