Date Received: 2021-03-29
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 am submitting a complaint in regards to my wayfair account that is held by commenity bank. Back in XXXX of 2020 my account was closed by the creditor due to XXXX taking them over. I never had a physical card with wayfair and no account number. I had to pay this card via wayfair 's website. Well in XXXX when they closed down the website went down as well. I contacted wayfair back then and told them how do I pay my bill? I was told I will receive a statement. I never received any statements from them. Again I called and told them that I still have not received any statements and how do I pay my bill? Again was told not to worry a statment will be sent.I was also told they are not transferring my account to XXXX I would have to re-apply again. Which I did not. I have never encountered a situation where if a company closes I have to re-apply again. Aside from that I again attempted to find out how I pay this bill. Never received a statement no phone calls nothing. Finally last month sometime in XXXX of 2020 wayfair called me and told me that my bill is past due and late fees were put onto the account. I told the rep that I am not responsible for all these late fee 's. She hung up on me. I reached out again and called them back and explained to a supervisor ( my request ) what had just happened. The supervisor agreed to remove all the late fee 's and agreed the website was shut down. Now it's on my credit reports which is affecting my credit score. I paid what my true balance was plus a little extra just to clear this account while I was speaking to a supervisor who was actually listening. I again requested to please send me a statment or something to show that the bill is paid in full. I still havent ' received anything. I am upset that I have no records at all of what I paid. I am also upset that this is on my credit reports as negative. It was not my fault that they decided to shut there website and there representatives do not address issues with there former customers. I am requesting this negative remark from wayfair be removed off my credit reports. I pay all my bills on time and my credit is extremely important to me.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This complaint is against Commenity Bank - and then their reporting on my Consumer Report - and with respect to FCRA/FDCPA. Complaints have been filed and with each CRA, for the incomplete - and then inaccurate reporting done to tradelines on my report. As per FCRA - they must be complete - and then accurate. My stance is from an tech/integration/reporting point of view - you, collect, store, manage then then send ( integration/file ) to a CRA - and, there are innate problems. Imaging if - your kid came home with a report card, and - there is no name, then there is no scare, the semester is never identified - is it real? Understanding this - key attributes that anchor an account on a consumer report in a CRA - expect fields ( not text ) to reside on the tradeline for accurate reporting and, better - score calculations. The best tech teams in the world would NEVER use a free form comment/text field in an algorithm. Your reporting on mine - and as listed isn't complete and/accurate. XXXX. All Accounts in Question ( attached ) have a " ( CLOSED ) '' in their description XXXX. Account Numbers - are wiped out, blank - NULL XXXX. Available Credit - is displayed, populated - when - a closed account and regardless of the reason - is like - impossible XXXX. Debt to credit Ratio - applies to open accounts - i.e, how much of the credit extended are you using XXXX. Payment/Balance/Rating History is wiped out - blank - NULL XXXX. When Pay/BAL/Rat history is blank - there is no was to see the natural progression of the account ( s ) and then where of when a DOFD and its amount occurred XXXX. Once Closed - there are no terms XXXX. Date of Last Activity - blank, impossible to tell when there was a payment or amount increase XXXX. DOFD/FACRA Date - your DATA anchors to this tradeline are NULL XXXX. DATE CLOSED - where is this value? ( nowhere in the PAY HISTORY as a CLS ), nor populated in this field. Is the account still open? XXXX. Creditor Classification - is set to UNKNOWN, I am sure your organization know what they are The Tradelines you are reporting, and this complaint is across ALL CRA 's - are INCOMPLETE and then INNACURATE, and based on METRO2 Standards of integration and reporting. As a DATA FURNISHER - please fix the issues as so noted, or DELETE them. XXXX. XXXX ( CLOSED ) XXXX. XXXX XXXX ( CLOSED XXXX XXXX. XXXX ( CLOSED ) XXXX. XXXX ( CLOSED ) XXXX. XXXX XXXX XXXX XXXX ( CLOSED ) Attachments are provided for your convenience, and from XXXX. While they are not all - all of your tradelines look exactly, the same. This issue ( as you program to METRO2 industry standards, and then as mandated from each CRA XXXX is tied specifically to the consumer right for TRUE ACCURATE and COMPLETE reporting as per FCRA/FDCPA. Please fix your tradelines - or delete them all, and from each CRA.
Company Response:
State: NJ
Zip: 07901
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Received a KingSize XXXX and XXXX store card by Comenity Bank. My forst order I placed showed up as the wrong size, so I initiated a return online and returned the merchandise for a refund. I didn't want to pay the {$170.00}, since I was receiving a full refund, so I waited until the return was credited to my account. The refund came after the statement date, and they only refunded {$150.00} No one can tell me where the other {$23.00} is and why it hasn't been refunded to me. I then placed another order in the amount of {$100.00}. My new statement came out XX/XX/2021. On XX/XX/2021, I received 5 calls from 3 different numbers ( XXXX, XXXX and XXXX ) that all came back to Comenity bank. The calls were " dead air '', just silent on the other end and they hung up about 10 seconds after I answered them. On Sunday, XXXX, I received 5 more, The first at exactly XXXX, the rest all before XXXX. All of these were dead air as well, and they were from XXXX, XXXX and XXXX all of these numbers are shown as coming back to Comenity bank. I called the XXXX number for customer service on the card, ( XXXX ), and was told there was no one that could help me until XXXX Monday thru Friday. This is pure and simple harassment
Company Response:
State: WA
Zip: 98284
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: applied for a XXXX XXXX card. I was approved, and the agent, at the end of the call asked me if I wanted the " Account Assure Debt Cancellation '' on my card. If I lose my job etc, it pays off the card. I said no at LEAST 4 times, but she was relentless. Once she said that I would have to physically sign and return a letter to accept it, I said OK. When the letter arrived, I promptly shredded it. I pull up my statement today, and find on XXXX, they charged me {$3.00} for this, even though I never signed and returned the approval letter. I have tried to contact them and when I explain the problem, they say they need to transfer me, and then promptly hang up on me. It was also stated to me that if I accepted it, the fee would be 1 % of my account balance as of my statement date. the charge they put on my account is 1.9 % of my balance.
Company Response:
State: WA
Zip: 98284
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: When I saw my credit report, I notice that there are some inaccuracy on my credit report.
Company Response:
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Hello, Thanks a lot for this service. I want to file a complaint against Comenity Bank. I opened a XXXX credit card that is operated by Comenity Bank. I never made a transaction with the Credit Card except for the one unfortunate transaction of {$3.00} using this card on XX/XX/2020. Because I had never used this card, I did not remember the transaction. Because of COVID-19 too, I was going through a lot of stress concerning my job. However, my two major cards that I use were paid on time. For that {$3.00} transaction on this card, I was made to pay {$67.00} ( with my transaction and interest compounding every month! ). Throughout the three months that I was being charged with these compounded late fees and interests, I wasn't called once though the Bank had my contact number. I believe as a customer, I had the right to be notified of the late payment before reporting the late payment to the credit bureau. The email address that the Bank had was wrong, so I did not receive any statements if any sent. The late payments were reported to Credit Bureau and my XXXX score has dropped to XXXX because of this disrespectful attitude of the Bank. I got to know of the pending payment through my dropped credit score on XX/XX/XXXX and paid instantly. The account has been paid and closed now but I want to file a complaint against this disrespectful attitude to customers that affected my credit score so much.
Company Response:
State: DC
Zip: 20010
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I filed for identity fraud on XX/XX/2020. Was notified of needing to make a payment to my XXXX credit card. Submitted the payment via phone and charged were waved. The charge didnt go through due to identity fraud shutting off my debit card, bank account, and credit card. Payments were not late as the attempt was made to be paid however due to identify fraud could not be completed. Account was closed in XXXX however remained open without notification to myself the consumer due to the inability to process payment. I was not notified until months later of the account being delinquent.
Company Response:
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XXXX it is reporting late and we have an agreement that prevents this plus we had XXXX
Company Response:
State: TX
Zip: 78006
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
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: The company fixed the reporting on some of my credit reports but on XXXX it still incorrectly shows late once last year during the time we had XXXX and was excused
Company Response:
State: TX
Zip: 78006
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Comenity BankXXXX Account Possibly used on dark web Impersonating Representative took information in an attempt to close account XXXX Cell porting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Company Response:
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A