Date Received: 2021-06-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The 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. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT On XX/XX/XXXXI received a credit score notification stating my card had been charged off and my credit score decreased. I had spoken to COMENITY bank regarding my account for Victoria 's Secret and XXXX stating that I was out of work due to COVID, and they gave me time off from payments back in XXXX of XXXX I was working with XXXX XXXX at the time, and Comenity said they would give me a deferment, but they charged off my accounts before that deferment had passed. Ever since then, I have been receiving calls everyday, sometimes up to five times, asking for more money. This month they expect me to pay twice, and are threatening legal action, but I told XXXX XXXX that I am out of work. Now I am receiving threatening calls stating that my account will be escalated, but they won't tell me what that means. I know XXXX did state I would be taken to court. Another representativce whom i spoke to in XXXX of XXXX stated he would seize assests belonging to my parents. And he attempted to coerce me into making payments which he knew I could not afford. I told him he did not have the right to threaten my family over a XXXX credit balance. {$20.00}. Over XXXX I have my credit messed with No, No I don't think so. I have told them repeatedly that I haven't found a job yet but XXXX XXXX, the person " assigned " to me, won't leave me alone. She tried to tell me I had to make automatic payments, that that is the only method of payment they will accept, but I never gave her my account information. I know that as a consumer I have the right to determine how I make my payments. And I told her that I prefer to pay with check so that I have a paper trail. She stated that I had to make the payments her way, and I know this isn't true, because I have an account with another lending agency and they let me pay however I need to. And that lending agency provides me updates statuses. Comenity and Victoria Secret never provided me with copies of my payments, or receipts, since starting on my payment plan with XXXX. Even when I requested it on numerous occasions, And so today, XX/XX/XXXX, I see a pending charge from them for XXXX. I agreed to pay off but I am going broke and I have tried repeatedly to get them to just wait and they won't. Heres ' the thing. I know my rights and I read the CARES ACT. It states, direct from the website : " If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. '' " If your account is already delinquent and you make an agreement, then the creditor can not report you as more delinquent ( such as reporting you as 60 days delinquent when you started out 30 days delinquent ) during the period of the agreement. '' I was current on each account when I made the agreement for the partial payments. I asked for the assistance in XXXX of XXXX, when the pandemic began. I even requested a paper copy of this arrangement with XXXX XXXX and Victoria Secret accounts. in addition, because my account was current, there is no legal basis for them to charge off my account and provide a decrease in my credit score. I never received any acknowledgements for my extension and for the ending of the extension I went to each companies respective website, and I requested an electronic account, and did not get access to my own account. Even after I contacted customer service. So basically, they didn't want me to have access to updated statuses of my account. Per the CARES ACT XXXX, all consumers are entitled to receive a paper notification statiung the terms of the agreement. Again, COMENITY refused to provide any such notices for my record keeping. At the end of the three month extension, I did attempt to contact them to let them know of my persistent jobless status. I still did not receive any confirmation for the three month extension, nor did I receive a notice for the ending of that period. I also saw this stated on the Cares ACT webpage : " Your lender may offer you or you can request that the lender place a special comment on your account noting that the account was affected by a national emergency as a result of the pandemic. The comment will not affect your credit scores, and your loan will still be recorded as delinquent. But a prospective landlord, employer, or lender may take it into account when considering you for a loan, a job, or housing. The special comment may help a lender or other report user understand that you ordinarily make your payments but could not make payments for a period of time due to the pandemic. In addition, the special comment is temporary and may only show on your account for a period of time, such as during the time of a declared national emergency. When the lender stops furnishing the special comment information, it disappears permanently and entirely from your credit report. There will be no record that there was ever a special comment placed on your credit report. " You can also add a permanent comment to your credit file saying that you have been negatively affected by the pandemic. This comment will not affect your credit score, and your delinquent loan will still be reflected in your credit score. However, the comment will remain in your file even after the national emergency is over, and a prospective landlord, employer, or lender may take it into account. '' Comenity did not provide me this option whatsoever. Here is what I want : I want them to report my accounts as current, due to all the above mentioned reasons, it was out of my control, not having a job thanks to the pandemic. I want the above mentioned personal comment added to my credit agencies : mainly that, due to a personal disaster, I couldn't make the payments. I want the charge off to be reversed. In addition, I want them to reach out to the credit agencies on my behalf, letting them know that to remove the errors, mainly the error that my accounts are delinquent.
Company Response:
State: CA
Zip: 92704
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
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: In XXXX of XXXX Comenity Bank opened an account under my name for XXXX under forgery. I contacted Comenity bank about the fraud/identity theft. Comenity claimed they would investigate the matter but never did. After several attempts to contact Comenity bank about this issue failed I opened a fraud complaint to XXXX XXXX and XXXX XXXX in XXXX of XXXX. Soon after account was closed by comenity bank but Comenity bank kept posting derogatory remarks and late payments on my credit reports. I filed an incident report with local authorities about the forgery and Identity theft and contacted an Attorney on XXXX of XXXX who contacted Comenity Bank about the matter. Comenity Bank denied having an account under my name and suggested taking it up with the credit bureaus and opening a dispute which I did once more. Comenity Bank then sold the account to a collections agency knowing the account was fraudulent. Soon after I was contacted by the collections Agency. I once again opened another dispute with all credit bureaus and supplied the new documentation for reinvestigation and asked the credit bureaus to delete the incorrect information. Credit bureas have not complied.
Company Response:
State: CA
Zip: 94804
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am attaching the issues I have with the Comenity Wayfair card. I have not used this card since last XXXX. Online they are charging me XXXX if I pay online at XXXX PST time which I live in PST on date due. Also my first ever late pay with them I was 3 days late due to my child being in hospital they did not waive at a one time request and still then increased late fee to XXXX without notice. So they take my payment and I have no one to call on the phone when paying at XXXX or XXXX XXXX PST time on due date they should absolutely not be charging me XXXX it is excessive and abusive fee. so now they have charged me XXXX in fees and I still owe them XXXX. My balance in XX/XX/2020 was XXXX. Since then I have paid them XXXX yet my balance is XXXX. This is ridiculous. Most companies work with you and would waive especially same day and continues to pay monthly. I have never paid them more than 3 days late when child was in hospital. And they have treated me like a criminal for paying same day but at XXXX or XXXX PST. This company is the absolute worst. During Covid if there was ever an issue with any CC or paying a day late they waived fees or were super considerate AS I have never been over 30 DAYS EVER AND COMENITY IS AWFUL. Their twitter is full of their abusive fees and horrible customer service. I have never seen such a horrible credit company ever
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Comenity Bank is reporting a late payment. I have already called them multi times and they are in violation of 15 usc 1681b ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I have already requested that they do not report my private information with a non affiliated third party. This late payment they are reporting came from a credit consumer transaction and it should not be reported. It should be exclude from my report.
Company Response:
State: OR
Zip: 97006
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: My payment was late but I had scheduled a double payment for the next month as soon as I realized I had forgotten. Comenity Bank harassed me by phone with at least 10-15 calls a day all from different numbers and they dont let a message. My payment was scheduled but they continued to harass me, even in the evening and on Sundays.
Company Response:
State: PA
Zip: 168XX
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Comenity is blocking XXXX from removing a fraudulent account after receiving disputes with a police report attached.
Company Response:
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-06
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: COMENITYCB/XXXX '' appears on my credit reports still with a balance of : {$1900.00} and needs removed. I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and bbb complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for XXXX XXXX. This sort of behavior has since been termed " XXXX XXXX XXXX '' and this call center in Colorado must all suffer from it. Especially the females who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. XXXX, XXXX and XXXX should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied.
Company Response:
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2019, I opened a Comenity New York & Company. On this charge I purchased a dress and in the same month XX/XX/2019, I returned the dress. I believed the financial part of the account to be settled, even. In XXXX I received an alert on my XXXX XXXX and it stated I had a late payment and my score fell XXXX points. After I reviewed the report, I realized that it was Comenity New York and Company. I immediately called New York & Company to get and explanation. The agent told me I had been charged a restocking fee or the fee for returning the dress, {$6.00}, I am not sure. I tried to reason with agent, and I requested removal of the late payment and a onetime courtesy to remove the negative remark off my credit report because my actions were not meant with malice, and it was truly a mistake. After the agent told me she did not have the authority to remove the late payment, I then wrote to the CEO of New York & Company requesting a onetime courtesy and or forgiveness of the removal of the late payment. I anticipated a favorable response. However, the response was devastating, the late payment remained. I used this card once and I strongly feel this time only my actions do not fit the severity of their actions. I tried to explain this is my letter. I opened a credit card, I used it once. I purchased a dress and returned it within the same month, and I was not aware of the {$6.00} fee. So, I am requesting assistance in removal of this late payment. Thank you
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2021-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-06
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have a MasterCard issued by Comenity Capital Bank. My interactions via their " Secure Message Center '' are anything but. Their Fraud Department seems susceptible to " man in the middle '' attacks, i.e., their responses do not seem to directly relate to my questions and, moreover, their security verification queries seem like phishing attempts.
Company Response:
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2021-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A