Date Received: 2021-05-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have been late before for a very long time, so I talked to someone in XX/XX/2021 the first time and told them that I was late because I'm unemployed and I will try to get the money, I did receive the and sent it but they reported it to the credit bureaus. I called again XX/XX/2021 and asked why did they report me if I'm having a hard time to pay and I did state my condition, but the lady said that I am current now on my payment but I told her that's not the point of have been called constantly from day end and day out for non payment so I would block the number but they would call on different other numbers. And she said that there is nothing that she can do since they have reported me to the credit bureau. Now this has dropped my credit score significantly.
Company Response:
State: TX
Zip: 77086
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with harassing phone calls all day long and my wife has been too. Along with threatening voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Late payment made on XX/XX/XXXX including full amount of {$130.00} and {$2.00} Interest Charge for a total of {$130.00}. I was told by a representative the {$29.00} late payment fee would be waived as a courtesy. The fee was not taken off and the account continued to accrue late payment charges on : XX/XX/XXXX : {$2.00} XX/XX/XXXX : {$31.00} XX/XX/XXXX : {$2.00} XX/XX/XXXX : {$40.00} XX/XX/XXXX : {$2.00} I was contacted on XX/XX/XXXX and I informed the representative of the situation. She claimed there were no notes in the account and advised me to call back and speak with a supervisor. On XX/XX/XXXX - Mother 's Day I was contacted 4 times in 4 hours starting at XXXX XXXX PST. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I called and spoke with both a representative and supervisor that both stated there were no notes regarding the original late fee, but they could waive all the late fees provided I paid the {$6.00} in finance charges. I paid to keep my credit from being ruined, but if the original fee was taken care of as I was told there would be no additional fees. To my knowledge the account was brought current on XX/XX/XXXX when I made the full payment including finance charge.
Company Response:
State: WA
Zip: 98371
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I bought diamond earings from XXXX XXXX. They refered me to a third party bank for a credit card. The bank is Comenity Capital Bank. I was told by the bank that my credit card was mailed as well as statements. I have recieved none via mail. I want to pay the balance but the bank will not give me my Credit Card Account number. so I can register to pay online. I have not receieved any statements. The bank is saying to give them my bank account checking route number to pay the balance. I have no way of protecting myself of fraud if I send them the money. Can you help me. All I want to do is pay the balance and close this account. This bank is a fraud. I read many complaints on XXXX regarding the same issue.
Company Response:
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Why is XXXX the only one reporting it? Why was it deleted and re-inserted without my knowledge? Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Company Response:
State: MA
Zip: 02122
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My XXXX Credit report showed a closed account with Comenity Capital Bank as having been 60 days overdue with the highest balance of {$900.00} higher than the credit limit of {$500.00}. The account was reported late due to a disputed {$7.00} finance charge that I was unaware of. In addition the report of an over the limit charge was incorrect since the limit was {$10000.00} when I made the last charge on the card. Between XX/XX/XXXX and XX/XX/XXXX, I made purchases totaling {$870.00} using my XXXX XXXX credit card account. That was the last time I made a charge on the card. I made the full payment of {$870.00}, which was debited from my checking account on XX/XX/XXXX. I moved from XX/XX/XXXX to XX/XX/XXXX at the end of XX/XX/XXXX and thought I had paid the bill in full so that I was not expecting a {$7.00} bill from the Credit Card company for accrued interests. I was completely unaware of the bill. In XX/XX/XXXX, I became aware of the issue and settled the matter with the Credit Card company by paying XXXX {$20.00}, which they demanded. I also requested that the card be cancelled at that time. On XX/XX/XXXX, as I was trying to refinance my home, I became aware that the Credit Card Company had reported a serious delinquency of over 60 days on my credit report. I contacted all three credit reporting agencies to dispute the report. I also contacted the Credit Card company by phone and sent a good will letter dated XX/XX/XXXX to the Credit Card company in an attempt to resolve the issue. The company responded negatively to the phone calls and did not respond to the original good will letter. I followed through with a second good will letter dated XX/XX/XXXX. The credit card company formally rejected my goodwill offer in a letter dated XX/XX/XXXX At least one credit reporting agency deleted the delinquency report. My credit report with XXXX now incorrectly shows that I was 30 days late.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This account is a litigation, the balance is incorrect, and I need this account closed not only closed but removed from my credit report immediately.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Credit card was opened fraudulently in my name Reported to XXXX and was removed from report Is reporting on my credit report again
Company Response:
State: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2021-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hi since the ending of last year Ive been trying to pay off my debt to get me and my kids a home my comenity capital childrens place account was paid in full since the beginning of this year but has yet to be taken off my report Ive disputed this account numerous times and it says its been updated but it hasnt the company was sold since my account was opened the original company says once they sale it its not their problem and the company that has it now says theyve sent a letter to delete this but the original owners would need to help me with this at this point the bill is paid and Id just like it removed. Thank you
Company Response:
State: GA
Zip: 30904
Submitted Via: Web
Date Sent: 2021-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A