Date Received: 2021-02-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXXXXXX XXXX, XXXX XXXX, and Comenity Bank/Victoria 's Secret. The Account Opened is XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}. The Account Opened is Comenity Bank/Victoria 's Secret Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response:
State: CA
Zip: 915XX
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: 2021-02-25
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have written & mailed and provided my approval of state funding to help with rents and they still are calling 24/7. They wont make a offer to lower each balance on XXXX {$380.00} offered {$120.00} XXXX {$540.00} offered {$200.00} I have been making XXXX - XXXX payments once or twice a month, since I found employment.
Company Response:
State: NJ
Zip: 08075
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had an account with Wayfair, that is now closed. It was fully paid in XX/XX/2020. the credit card service was provided by Commenity Bank. They charged me with an abusive late fee of {$29.00} when the payment was not paid late. I have called and spoke with several agents that refused to remove the fee. The due date was on a Sunday, therefore I paid the balance the day that was due, my bank released the funds within the next 24 hours, so this is an abusive way to obliged people to pay more money. In addition, this account is closed so why they are still trying to charge me?. I will like you to investigate because like me there is a lot of people being overcharged by this kind of irresponsible company that looks for a way to get more money. I have never paid a single account late. I even have a credit in the account for {$10.00} that they refused to refund, so they should use that money if they are not willing to refund. I do not recommend Commenity Bank to anyone.
Company Response:
State: CA
Zip: 917XX
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: Problem with customer service
Subissue:
Consumer Complaint: Bj 's Membership no - XXXX I had Bj 's perk in-club award - {$20.00} and I spoke to customer service person name - XXXX at XXXX XXXX on XX/XX/2021 to get a check to my home address XXXX XXXX XXXX She ordered check and said it will come to my home in 2 to 4 weeks. But that has not come yet. I spoke to customer service today and spoke to XXXX. He said he could not find any old communication in their system. My rewards also expired now. This is total fraud. They don't have records of customer interaction also.
Company Response:
State: MA
Zip: 02148
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: Struggling to pay your loan
Subissue:
Consumer Complaint: I opened an account with XXXX XXXX XXXXXXXX XXXX back on XX/XX/2020 for {$13000.00} for a medical procedure. I made the first payment which was due on XX/XX/2020 in the amount of {$450.00}. I then called XXXX XXXX XXXX XXXX on XX/XX/2020 to have XXXX 's payment deferred, which was granted by XXXX XXXX XXXX XXXX. I then called XXXX XXXX XXXXXXXX XXXX again on XX/XX/2020 and asked that XXXX 's payment be deferred as well and that was also granted. During this time my hours at work were originally cut and then I wound up on unemployment. That led me to call XXXX XXXX XXXX XXXX once again on XX/XX/2020 and ask that XXXX & XXXX payments be deferred as well, because I needed a little bit of time to get my finances in order. At that time I spoke with a supervisor and she advised me that she would make a note in the system, but that I had to start making payments come XX/XX/2020. I happened to run my credit in the beginning of XX/XX/2020 and I noticed I had four late payments on my credit report which is greatly affecting my credit score! As I stated earlier my hours were originally cut and then I wound up on unemployment and I was trying to juggle whatever money I was getting from unemployment to not only provide for my family but to also make agreements with my other creditors. I have two auto loans, another line of credit with XXXX XXXX and various credit cards and everyone else has been so understanding and accommodating during this difficult time ( COVID pandemic ). Not only do I have a late payment on my credit report for XXXX & XX/XX/2020, I also have a late payment for XXXX & XX/XX/2020 and that is totally incorrect! XXXX 's payment was made on time and XXXX 's payment was made six days late but it clearly states on XXXX XXXX XXXX XXXX website that " members have a 15 day grace period to make payments with no penalties ''. My account is currently up to date and will continue to be for the duration of the loan, I just needed a little bit of time to get my finances in order when money was tight for me.
Company Response:
State: NY
Zip: 11379
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: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Comenity bank has received my balance transfer for {$2200.00} from XXXXXXXX XXXX. Comenity claims it was never received. However, XXXX XXXX has performed a trace and clearly says it was received by Comenity bank on XX/XX/2020. I am not delinquent on any payments and this is the first time this has happened. I have sent larger payments in the past and had no issues. It has been over 2 months and have been sending secured emails to the company with the attachment. Nothing has happened and only receive generic responses.
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Victoria Secret XXXX Hundreds of letters have been sent to these creditors. Over 15 letters sent thru CFPB. Now all 3 credit bureaus have requested the XXXX Security Breach paperwork and a recent police report, see attached. All are NOT MY DEBT! Weve asked dozens of times for an application with my signature. Weve asked where were they opened ... .online is all Im told. Thats it. All they say is its verified cause we know my name address d.o.b. and social. But refuse to send or give us any further info. Please remove from my credit as these debts are stopping me from moving forward, and this debt has never ever been mine. Im sending letters now 3 yrs. I was involved with the XXXX security Breach.
Company Response:
State: PA
Zip: 188XX
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Comenity Bank Zales Diamond Store - XXXX XXXX in the hospital from XX/XX/21 released XX/XX/21. The extra / exuberant interest of {$610.00} was added while I was in the hospital. As soon as I was released, I paid the Balance due and was still charged the {$610.00}. Due to my XXXX hospitalization, I am asking this bank to withdraw the {$610.00} interest charge because the Balance was immediately paid when I was released from the hospital and obviously could not have paid the balance while I was in the hospital with XXXX XXXX XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2021 I received a letter re : XXXX from Comenity Capital Bank indicating that my application for a XXXX XXXX XXXX XXXXXXXX Mastercard was denied because I had to many credit inquiries on my account. My credit score was XXXX as of XXXX XX/XX/2021 and I have other credit products with Comenity Capital Bank. Around that time, I was shopping for companies to refinance my home. Makes no sense that this company would deny my application especially if I have accounts and an impeccable credit history. I believe other issues are at hand because this makes no sense whatsoever.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
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: 15206
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A