Date Received: 2021-05-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have an loan with COMENITY BANK/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 COMENITY BANK/XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX XXXX, and COMENITY BANK/XXXX with no successful resolution. XXXX XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Company Response:
State: FL
Zip: 33018
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have an account with Comenity XXXX XXXX, by virtue of a purchase I made at XXXX XXXX XXXX in XXXX ( XXXX ). In XXXX I submitted a payment which was mailed timely and processed late. The check I submitted in payment for XXXX in the amount of {$130.00}, dated XX/XX/XXXX. That was 4 days prior to the due date. I have no image since it seems Comenitys practice is to not return negotiated checks to the bank. The next statement indicated Comenity processed the check on XX/XX/XXXX, and the transaction hit my bank on XXXX XXXX.Comenity asserts it was received late, although I mailed the payment 4 days prior to the due date which should be sufficient time from XXXX, New Mexico to XXXX XXXX , Texas. Comenity processed it two days after the due date. The transaction hit my bank 3 days later even though they assert everything is processed immediately and my bank shows an electronic transaction. I called to complain and was stonewalled. Comeity asserts that their contract with XXXX XXXX bars making adjustments to accounts of any kind. I sent a letter to the CFO of Comenity expressing my dispute. I have also reached out to the merchant. I submitted my XXXX payment reflecting the matter was in dispute. I received an email from Comenity that did not indicate a subject, and when I attempted to get into their web site, I could not. I sent a note to them on their contact page explaining my difficulty in logging on. No one has contacted me about this matter. Instead I received another statement, assessing another late fee because I did not pay the additional {$5.00} minimum payment assessed in the prior bill, instead paying the regular amortization of the note at {$130.00} per month. They also assigned minimum interest ( {$2.00} on a {$5.00} difference ). With other lenders I do business with a matter in dispute is held in abeyance during the dispute. Not so with Comenity. I identified numerous complaints against Comenity from other sources, including CFPB. My experience with them is not unique. It is evident that Comenity has no intention of resolving this matter. Indeed, their behavior is more like a loan shark. I have submitted a complaint to the Attorney General concerning the unfair trade practices at Comenity. I remitted a check for $ the full outstanding balance of the loan, less disputed fees and interest, and requested they close the account. I will not be paying the late fees or interest charges. They expect me to simply believe the assertions of their staff that they process immediately. I know that Covid has disrupted operations with many organizations, and given the processing date disclosed by Comeity, and the three days the transaction took to clear my bank their assertion is suspect. Moreover, according to XXXX the USPS takes 1 3 days to deliver a first class letter. And if by chance Covid caused a delay in delivery, other entities are making allowances for these special circumstances, even the IRS. In any event, since this was a zero interest loan I suspect their intent all along was early discharge. That certainly explains their rapacious assessments. I request that you contact Comenity and require them to discontinue their usurious practices, remove all assessed fees and interest, and close the account as I have requested.
Company Response:
State: NM
Zip: 87124
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I applied for a BJ credit card in the summer of 2020. Not only was I denied a card but, my reputation was slandered. A negation entry was placed in my credit report, I was falsely accused of ID fraud, possessing high credit balances, not paying on time, and having too many hard inquires. All of these accusations are not true. I have an XXXX and higher on my credit reports with no negative information as documented by XXXX XXXX, XXXX, and XXXX. These unjust actions by this company caused me not to be able to get credit and it lowered my credit score. I am attaching two letters that I had my prepaid legal plan write to the bank for me but to no avail and to responses from the bank.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Comenity Bank is reporting erroneous lates on my credit file. These lates are from XX/XX/XXXX and XX/XX/XXXX. This account was closed and paid back in XXXX ... I don't understand where these lates are coming from. These lates have damaged my credit severely and i need them removed.
Company Response:
State: UT
Zip: 84123
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2021 I attempted to schedule a fixed amount recurring payment in order to meet a specific payoff target date. However, when going through the process to schedule the payment the bank informs me that they will adjust the payment amount ( lower it ) if the scheduled amount I make is greater than what is due, and that in doing so, it will likely result in incurred finance charges. I find this practice outrageous!! They are taking deliberate action to change payment amounts in order to generate Finance Charges.
Company Response:
State: AZ
Zip: 85234
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a late on my credit report from XX/XX/XXXX on a XXXX card when in fact that account was paid off in XX/XX/XXXX. I called company and they said that they are not reporting this because there is no late to report. However XXXX is reporting me late of XX/XX/XXXX on that account and I need this to be removed.
Company Response:
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
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 called the company and they said that on their end they do not have my payments late. But for the past 5months experience is saying that I have been making late payments which is not true because it come out of my checking account each month on the same day. Please fix this problem. It needs to be removed.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On XX/XX/XXXX I received a text message from my mother : " Keep getting phone calls from Victoria Secret for you. '' I do not share a phone number or address with my mother and I have not in over 10 years. She told me that on several occasions they attempted to discuss my account balance with her and she told them to stop calling her. On XX/XX/XXXX the credit card company, Comenity Bank charged my personal checking account with a charge reporting that I authorized the charge over the phone. I have never spoken with the company over the phone. I did not authorize any charges. I messaged them over their online messaging system about it.
Company Response:
State: RI
Zip: 02809
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2021 I refinanced my mortgage for a lower rate and to consolidate debt. I paid off several credit cards. No problems there except one company said they did not receive the check. Comenity Bank aka XXXX. On XX/XX/XXXX, said payoff check was still not received by Comenity. On XX/XX/XXXX, a stop payment was placed and new check was issued. Comenity was advised. It was overnighted ( on a friday ) and received and signed for by Comenity on XX/XX/XXXX. On XX/XX/XXXX I received notice that Comenity received the check, paid off my credit card, and sent me a refund of {$20.00} because it was overpaid. On XX/XX/XXXX, I receive notice that the check was returned for a stop payment. What happened, was they applied the check that was stopped, which they were informed of, and added Interest, return check and past due fees now to my account. I have proof from XXXX and a tracking number that they received and signed for the new check. They ( comenity ) are telling me they never received it. So i had to call yet again ... ( this is now XX/XX/XXXX ) ... .and they are sending me dispute papers ... but there is nothing to dispute ... they received the replacement check and lost yet and I am being crucified because of their ineptness .... They said there is nothing they can do to help me. So i am paying on my mortgage for the XXXX dollars that was mailed to them and signed for and they lost it .... and its still on my credit card balance. When i asked how to rectify now ... .. I was told ... .This is how we do things here. They wont even help anymore.
Company Response:
State: NJ
Zip: 07065
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
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: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A