Date Received: 2021-03-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I opened a dispute since XXXX with XXXX regarding an account wrong in my file from XXXX XXXX, I never opened an account with them. I called them today XX/XX/21 and spoke XXXX XXXX XXXX I think was her name from customer service and I gave her all my personal information and she did not find any account under my name. She recommend me to send a letter to them so they can contact me to open an investigation. I sent the letter today to see if I can resolve this situation that is causing me a lot of problems already with my credit. Also, I have the same issue with another account with Comenity Capital/CHLD, not mine and is in my XXXX credit file. I called them today also and spoke with XXXX in the secure accounts area and she said that she only have the account from XXXX which I paid in full in XXXX and it shows closed in their system but XXXX still have it open with normal balance I have at the beginning of {$500.00} something. XXXX then checked the one I saw in my file that I don't know what it is under Comenity Capital/CHLD and she said that there is nothing under this name that I only have the XXXX which is closed since XXXX. She said that I was in need to talk with XXXX because apparently they added it by mistake to my file. I will not contact them back, I tried today and the rep. told me that their system was down and she could not help me the way I need it but she recommend me to open my disputes here and that would help to resolve my situation. I tried to buy a wash mashine that I need yesterday and it was denied because my score it's so low now that no one is going to give me credit until I fix the 4 accounts XXXX have in my file that are not mine.
Company Response:
State: FL
Zip: 33625
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: CA
Zip: 92308
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello on XX/XX/2021 your company had no consent to run my Credit, I'm in the process of building my credit and have no desire to apply with for a credit card with your nor have I heard of the company before.
Company Response:
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I had a credit card with XXXX XXXX XXXX. I settled that debt through XXXX XXXX XXXX in XXXX. At some point, XXXX. XXXX XXXX sold the debt to several debt collectors who have been harassing me and leaving threatening messages. The most recent one was threatening to garnish my tax returns. Previously they would continue to call and call me poor .... continue to harass me for being a loser and not being able to pay my bills. I keep blocking the numbers and asking them to stop calling me. Ive explained that Ive settled this debt. They keep using new numbers and becoming more threatening.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/XXXX, COMENITYCAPITALXXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: XX/XX/XXXX my father passed away and I asked the creditor if I was able to get an extension or deferment for 1 month due to a death of an immediate family member. I was granted it but shows up as a late payment for why I wasn't sure since I told them what was going on even emailed a copy of his death certificate to them to prove I wasn't lying. And between XX/XX/XXXX till XX/XX/XXXX I was laid off. XX/XX/XXXX till XX/XX/XXXX was due to a harsh winter and unable to work outside. And from XX/XX/XXXX till XX/XX/XXXX from COVID. I asked the creditors if I could have a reduced minimum payment or a brief hold or deferment on my account due to the COVID outbreak and unforseen weather. I talked to multiple reps and they noted that in my file.
Company Response:
State: MI
Zip: 49316
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am having problems after I filed a chapter XXXX bankruptcy. Credit card accounts that was paid off to XXXX is reporting that was included in my bankruptcy and putting all this fraudulent activity on these accounts they closed due to me filing bankruptcy. I disputed the accounts and told them they was not included and for them to update and remove the fraudulent information and only one company compiled from the investigation. I have proof they was closed and not included in my bankruptcy.
Company Response:
State: AL
Zip: 35601
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I pulled a copy of my credit report and seen some account that are not mines and I need them removed and I have several accounts that are inaccurate information I have provided a Federal Trade Commission report in the documents for identity theft. These companies i have never done business with. They need to be removed please. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: VA
Zip: 23513
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is first regarding Victoria Secret comenity bank credit card. I went thru hardship and loss of jon since XX/XX/XXXX and even those months I have paid what I could on my card. Then in XXXX I got my job back and called them to pay and they put me into a {$50.00} payment and I even paid {$250.00} plus {$50.00} extra in XXXX, {$150.00} extra plus {$65.00} plus {$50.00} this month yet they still reported me late for XXXX and XXXX. I have called them, mailed proof to them, mailed proof to the credit bureaus but comenity bank refuses to help me. I spoke to different managers even yesterday XX/XX/XXXX yet everyone just states what they are told to say and dont understand my situation. I really need the incorrect reporting on my credit report to be removed. This is not right, its soooo easy to put me on but why are they refusing to take it off. I also called and mailed letter to XXXX XXXX XXXX XXXX. I do not know what else to do, their reporting is wrong and it is messing up my credit score a lot! Also, second, XXXX XXXX XXXX they are reporting me late wrong for XXXX XXXX, XXXX even thou I paid. I have also called them numerous times and they know about their error but they keep saying they will correct and they have not. See payment proof attached for them also. Please help me remove the late payments. Last one is XXXX XXXX XXXX I have had soo much hardship since XX/XX/XXXX due to loss of job and in XXXX I called them and they put me on a {$10.00} fee per month and told me that account will stay open, yet they closed the account and that has lowered, messed up my score by 36 points. I have been paying the {$10.00} every month and on top I paid extra {$100.00} on XX/XX/XXXX. What they have done to me is ridiculous and not fair. I specifically asked the person that put me on the {$10.00} program if this will affect my score negative and they told me no. This si unfair what they did to me, and on top they closed my account and mind you total we are talking about if {$210.00}. I could have paid the amount, yet they told me to take the {$10.00} program as this way my account will stay open. Please, I contacted them, I called them, mailed proof to them, credit bureaus and nothing has changed, same issue and they messed up my score soo much even today it went down XXXX points because of them! Please I need help, I dont know what else to do. I have had hardship because of this loss of job but I still paid amounts that I could every month for each one of these 3 cards. The moment I got my job back I called each one and asked them what to do to correct the accounts. I did what I was told. On top i paid even more, but they are being unfair. They refuse to remove late items, and actually the ones that I want removed are for the months I paid. I have sent each one of them numerous letters and placed numerous complaints with 3 credit bureaus! I dont know what else to do, I am desperate. These 3 cards messed up my score sooo much, and we are in the process of buying a home, I used to be in the XXXX now I am in XXXX. I work hard on everything on my score but because of them every month my score goes down. This is incorrect and I ask you please for your help! I just need them to be fair. I went thru hardship due to loss of job due to covid 19 and had a baby in XXXX. I am trying my best. I am on time. So have them give me some help please! I begged them for help. Nothing has changed. Please investigate this and please have them remove late reportings that are inaccurate. I have proof of all payments! I am attaching for your review and please help me. They should not do this to their customers. I have been a cardholder of comenity bank since XXXX, NEVER had an issues, never was late for them to do this to me and treat me this way! Please help me.
Company Response:
State: NY
Zip: 11102
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Was billed before I ever got the card or a bill in the mail. Paid balance in full same day. Was charged ~ {$30.00} late fee. Took two attempts and two weeks to get someone to actually reverse the charges like they said they would. Did not remove it from the billing cycle so it flagged my account as late the following month. I did not use the card that month so it was a zero balance. They " paused '' the card because we were a day late paying zero on our zero balance. That left us at the grocery counter not being able to use our back up card. There solution was to cut me off on the phone and tell me to be quiet while they read the transcripts of all our correspondence,, and them to smugly ask what they problem was and if I wanted to set up a payment for the following g month to unfreeze the card ... really??? Bottom line is they predators and should be avoided at all costs. They charge {$30.00} if you do not pay on the date specified and freeze your card, no grace period, they do not communicate, and the XXXX supervisor is an arrogant, nasty person with no business talking to customers. We canceled our account and cut up the card.
Company Response:
State: OH
Zip: 44319
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A