Date Received: 2021-04-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This letter is being sent to you in response to a account appearing on my credit report. Be advised that this is not a refusal to pay, but a notice sent to a pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validated is requested. This is NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Company Response:
State: CA
Zip: 93711
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received a notice that my account was past due. I made payment on XX/XX/2021 for a payment that was due on the XXXX of XXXX. The payment was taken from my account at XXXX Bank on the XXXX of XXXX. They did not POST my payment until XX/XX/XXXX conveniently a day PAST the due date so they added a late charge to my account. On XX/XX/2021 I made payment in the amount of {$97.00} to XXXX through my XXXXXXXX XXXX account again, payment due the XXXX of XXXX. They did not post and charged INTEREST AND ANOTHER LATE FEE. On XX/XX/XXXX I submitted paperwork to show my payments were made timely and it was their posting issues that were not MY FAULT. I have repeatedly tried to get this resolved and I get nothing but " canned '' responses to my secure email messages that they can do nothing until they " find a resolution ''. I PROVIDED WRITTEN CONFIRMATION from my bank account showing my payments to them with no result. Yesterday, they reported to the credit bureau that my credit limit has been reduced to {$0.00} from a previously assigned credit limit of {$750.00} causing damage to me personally from this report. I can not get anyone to fix this in Comenity Bank so I have had to resort to this method.
Company Response:
State: FL
Zip: 33781
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
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: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
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: 02119
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Various orders were completed and XXXX XXXX and XXXX platform no longer allow viewing of all past orders to confirm amounts charged to card and verify that amounts for items returned were refunded.
Company Response:
State: CA
Zip: 91789
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This is regarding making payments to XXXX Visa at Comenity Capital Bank. I have sent two checks to pay off this account in full in the last month, neither have been accepted. These checks are in the amount over $ XXXX. I have spoken to several high level managers that claim to take care of the situation - nothing has been done. I even sent a second payment overnight XXXX to the XXXX XXXX overnight address with signature required. I verified that this check was signed for on XX/XX/20 at XXXX by XXXX XXXX XXXX They claim to not have received the check. I was told that the check must be the exact amount of the account balance and any other amount will be rejected. I made a payment that day to make the account balance the exact amount of the check. The very next day they assessed interest charges on my account which now makes the check amount too large. This bank has some serious problems that need to be addressed. The customer service is the worst I have ever seen.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call me over and over 27 minutes apart, every day. The account had been closed at the end of last year due to a lack of income from me because of impacts from Covid-19 and they put me on a repayment plan, and its been discussed with the company multiple times. Yet Comenity is still calling me over 15 times every day from XXXX until XXXX.
Company Response:
State: AZ
Zip: 85281
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I already reached out to the credit bureaus and to COMENITYCAPITAL/XXXX with account number XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Company Response:
State: CA
Zip: 931XX
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which COMENITY BANK/XXXX is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. COMENITY BANK/XXXX is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Company Response:
State: CA
Zip: 92131
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I CONTACTED THE COMPANY VIA MESSAGE SYSTEM ONLINE, AS I DO NOT FEEL LIKE BEING HARASSED VIA PHONE OR BEING ON THE PHONE FOR EXCESSIVE TIME HAVING SOMEONE TEL ME SOMETHING THEY COULD HAVE SENT VIA EMAIL THEY COULD HAVE ANSWERED ME VIA EMAIL OR MESSAGE SYSTEM ON THE SITE THEY CHOOSE NOT TO AND NOW THE ROBOCALLS ARE INSANE AND THE CONSTANT MESSAGES ARE RIDICULOUS I HAVE A XXXX FATHER WHO HAS XXXX XXXX IN XXXX FOR WORK THEY NEED TO GET A GRIP YOU BLOCK ONE CALL YOU GET ANOTHER FROM MULTIPLE NUMBERS
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A