Date Received: 2021-02-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XXXX XXXX I applied for a Wayfair Account. After filling the information on the application. A page poped up XXXX XXXX XXXX you were approved for a Wayfair Credit Card! The Problem was My Name is XXXX XXXX XXXX right away I called Wayfair Credit Department explained to the man on the Phone that the name on the Account was wronge. How did that happen. He said it was an computer error. Please fax us a Copy of your license. To verify my Name & Address. Which I did within an hour. I called Wayfair an hour after I faxed A copy of my Fl License. To Verify that they received it. I was told it would take a day or two to correct the mistake. No that didn't happen. For two months, well over 10 to 15 calls I made, I even ask twice to pay the bill off which was {$220.00} and Close the Account! No I am not XXXX XXXX XXXX. I was hung up on a few times, because I wasn't XXXX XXXX XXXX. I have letters Adress to XXXX XXXX XXXX, Bills Also address to XXXX XXXX XXXX for 2 months! XXXX XXXX XXXX XX/XX/XXXX We are letting you know of Suspicious Activity on Your Account # XXXX. I told the Fraud Department Over and Over Again, until I received a Correct Card and the Correct Account information on My WayFair Account They would not get paid. I can not set up an online account until it fixed. It was until I reapplied for a Wayfair account on XX/XX/XXXX, I wasn't sure if it would work, It did!! I was told then I already had an account with Wayfair. ( At that time it was In XXXX XXXX XXXX ) The next week I finally received the letter from the Fraud Department with a referral numbered. The Letter they Promise over two months would be here a less than a week. Never received it until they were Finally Awoke by my Second Application. Then 2 days after that 2nd application on my Credit History, Wayfair Reported 2 months pass due. I don't have any pass dues on my Credit Report. My Score dropped over 40 points. I have been working so Hard over the last Six Years building my Credit. They wouldn't let me pay it off and close the account. The Problem was brought to their Fraud Department on the very 1st day of the XX/XX/XXXX application about the issue of being in Someone else name. Not once did they help right. They said after a payment is made they would refund 1 late payment not the 2 that is on the account right now. The account was in Someone else name those 2 months. They also said they were not going to remove the false information on my Credit Report. Never from day 1 has Wayfair Credit Fraud Department has been fair what so Ever. Plus not just the Credit Issue the Rocking Chair I order for My Mom for XXXX. I paid an extra {$30.00} for a Dark Grey Cushion. Well the chair was delivered, Wrong Color and Also Broken. Yeap! That been my Experience with Wayfair! It sucks 100 % They have put me though a wringer, with no Fault of Theirs. To Approve an Account in Some one else Name with my Social Security Number, I Truly Consider them Responsible 100 % The correct chair was delivered in the 1st week of XX/XX/XXXX. I won't recommend anyone to Buy or Apply at Wayfair at all. I was a nervous wreak for over 2 months. Now they added the late account to my Credit Report for two late payments on top of all the XXXX they put me though. Please Help!! Because they Won't
Company Response:
State: FL
Zip: 34266
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Around XXXX of last year I noticed several fraudulent accounts on my credit report. I submitted multiple notices and requests to each major credit bureau asking them to block the fraudulent accounts. I also sent notices to the creditors involved. To this day they are still hurting my credit score by reporting fraudulent accounts, this constitutes the crime of defamation. I sent Comenity Bank/Victoria Secret a request to block a fraudulent account that is being reported on my credit report. The account in question was not opened by me nor did I benefit from it being opened, it was opened as a result of identity theft. The request was sent via certified mail recorded delivery.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
Company Response:
State: GA
Zip: 31021
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: PA
Zip: 161XX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: PA
Zip: 161XX
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This letter is in response to your recent claim regarding a closed account # XXXX, which you claim I owe {$5700.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Greetings! I spoke to an agent about debt collection issue from XXXX XXXXXXXX XXXX. I complied in good faith and to show my good intentions only but not judge my situation based on my records. I am a good payor and only was a victim of the credit card scheme or the card never arrived and received by me. I tried to explain to the agent I think the call was recorded. Anyway the short version of my story is I purchased an item on Victoria secret for only {$95.00} which is not really a big amount for me not to pay for it. Now cashier offered me discounts 10 % on my purchase, I was interested and engaged, ended up getting a card, she did even try to say that it was a credit card on the first place. Anyway it happened and gave me a receipt that I kept for evidence until now. The receipt says that I will receive the a credit card about 10 to 12 days. Now, the card did not arrived and was never received. Then, a letter came to stating late fees which I strongly believed is invalid because in the first place there was no credit card and means to pay the credit. Now, conflicting assumptions came that this is a scam and/or scheming. Delaying the card by mail. I went to the bank to check the transaction history and all. I investigated more and took time to check my assumptions. Then charges, piled up. On the month of XXXX a letter stating that I purchased an item which I did not do. During this time I realized that the card was stolen or manipulated by the company to increase the charge but I can not prove that. So the amount increased and double. I called the credit company to report this but said to me they need my SSN card copy and proof of address mailed to them, which I doubted, and did not comply because they can't have my SSN and in the first place my SSN was in their records. So it took time that they closed the account until it accumulated higher fees. Now COVID 19 happened XXXX and I am a active XXXX XXXX for the State of New York and was assigned in a COVID center hospital. I can't deal with the problem due to the nature of my work and lack of knowledge, skills and resources to amend this and claim my reputation as good payer. So, I am signifying that I paid only and only with intentions and good faith to resolve this and recover my good reputation with my records. It was not intentional not to pay but rather the card never arrived. I am appealing to XXXX XXXX XXXX to please clear up my name as soon as possible because I need my FICO scores to go up. This record was never meant to be on my profile as a person and dont just clear me get the record deleted. This is COVID times in New York that I badly needed my reputation and good standing from my bank. My life is devasted already because of this problem.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: During the XXXX of XX/XX/2020 I was unable to log into Website or app link and could not make my payment. I tried on numerous occasions to log into account to pay XXXX but kept getting log in access error which said " The information you entered does not match our records " followed by a link to " forgot username or password ''. Following the link leads to the account recovery page, after attempting to recover account i got the error which read " The information you entered does not match our records. Please confirm all information is accurate and try again ''. I went through these steps every few days for XXXX weeks until the issue was finally corrected and the account was accessible in early XXXX and Payment was made. Due to these issues with the account Comenity Capital Bank XXXX a 30 day late payment on my credit report then subsequently a few months later denied a request for credit increase due to my credit report showing a " late payment ''. Due to XXXX quarantine for exposure i was not able to go get a money order to pay this payment and the Failure of their website design, account access portals for multiple account types that are not linked to the same account is harmful for consumers like myself. Due to this failure my credit was and is negatively affected which has caused me to be denied for credit increases with XXXX current creditors and a Mortgage loan with all denials citing " recent late payment on credit report ''.
Company Response:
State: CO
Zip: 80911
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On XX/XX/21, the Solutions Department from Comenity Bank called my cellphone about someone else 's debt that they assume to be my friend/family member. I do know this person, and they shared a revelation of debt, asked me to call them back, and requested the person 's contact information. All of this was left on my voicemail. When I called Comenity back, I was told by Comenity that they are legally allowed to share all of the above-mentioned information about this person 's debt with me ( based on the state she lives in and because they are internal not third party collections ) and confirmed that the person has a debt. When I spoke with a supervisor XXXX XXXX # XXXX XXXX about my concerns related to consumer privacy ( as it turns out I am a customer there, too ), she turned my concern into a XXXX maze of confusion and was pretty nasty. She refused to follow-up on my concerns. Customers, beware!
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I first informed the 3 major credit bureau that businesses has been adding hard inquiries to all of my reports. I hadnt attempted any credit or business from the particular companies in question.
Company Response:
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A