| 03/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/1972 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX.
XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX, FL XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
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| 07/03/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My recent experiences with Kay have been horrible.
XX/XX/2019 : My fianc and I were engaged back in XXXX. We made a trip to our local Kay Jewelers to purchase an enhancer for my engagement ring and our wedding bands ( XX/XX/XXXX ). The sales representative charged my fiancs ring under a separate transaction because we had to have it sized and shipped to the store. Total Purchase : {$170.00} charged to our Kays card. We purchased the remainder of the items with a deferred interest plan, putting 20 % cash down : {$310.00} to take advantage of the 0 % interest for 12-month promotion. Total Purchase : {$1200.00} charged to our Kays card which included the anniversary band, the enhancer, both enhanced service plans, and a rewards discount which was applied to our overall purchase.
XX/XX/2019 : A couple of days later ( XX/XX/XXXX ) when my fiancs ring was ready for pickup, we returned to the store. I changed my mind about the enhancer and decided to return it, while at the store I ended up seeing a new engagement ring and immediately fell in love with it. We completed an exchange and purchased the new engagement ring for the difference of the balance, paying more out of pocket to continue the 20 % down promotion on the new engagement ring. We paid an additional {$69.00} out of pocket for this and were charged an additional {$270.00} to our Kays card.
XX/XX/2019 : Four days later ( XXXX ), my fianc and I made a trip to a different Kay Jewelers to return his wedding band as it tarnished easily and looked damaged after only trying it out for a few days. While at the store we also returned the anniversary band now that I had a new engagement ring, my fiancs wedding band, and also the enhanced service plan that was added to the new engagement ring as I did not think it was necessary to have an extended plan on the ring. We then made a new purchase for a new wedding band for my fianc ( Total purchase : {$160.00} ), ( Total Credit : - {$780.00} ).
XX/XX/2019 : I discovered a wedding band that I thought would pair well with my new engagement ring and purchased it from Kay.com when the ring arrived in store on XXXX, I did not like it I returned this ring ( Total Credit : - {$400.00} ) and purchased a wedding band in store that matched perfectly with my engagement ring. Total Purchase - {$240.00} charged to our Kays card for the difference.
XX/XX/2019 : Unfortunately, I lost one of the stones from my engagement ring and dropped the ring off for repair on XXXX. The ring was serviced and returned to me on XX/XX/XXXX. Less than two weeks after it was serviced, I lost another stone!
XX/XX/2019 : At this point, I was completely and totally fed up with the ring. So my fianc and I made a trip, yet again to the store to politely ask to have it replaced or complete a return for a full refund. Initially, we were asked to come back to the store when it was less busy. So even more furious at this point we let time pass and returned to the store, we were dealt with by the Assistant store manager who at first, wanted to send us back to the store we purchased the ring from. As we were on our way out of the store, she asked us to look around to see if there were anything else we were interested in. I found a XXXX XXXX ring that I absolutely fell in love with. The assistant store manager assisted us with purchasing the new ring and processing a full refund for the engagement ring I was having issues with. As I did not have enough of a credit limit to cover the ring, my fianc signed up for his own Kays card and we purchased a {$2000.00} gift card to add to the purchase of the XXXX XXXX ring which subtotaled at {$7600.00}. Total credit - {$1100.00}, Total charged to Kays Card {$5400.00}. While conducting the transaction with the assistant manager, I asked her what would happen to the monthly payments that weve already made toward the old ring. She advised that they would be refunded to our Kays account and applied to the overall balance on the account. My fianc also was looking to return my wedding band as we were waiting to return the old ring and purchase the XXXX XXXX, the assistant manager at the store also advised us that we would be able to swap out the ring for the matching band that goes with the XXXX XXXX ring at our convenience. I waited a few days and did not see these funds refunded!
XX/XX/2019 : Completely and totally FURIOUS at this point, I called XXXX XXXX to request a refund for balances that were paid toward a ring that was upgraded due to a defect in the manufacturing of the ring as I lost two diamonds in less than a months time span. The XXXX rep stated that I was indeed owed the additional funds that were paid toward the rings balance, but that it would need to be handled in store. She directed us back to the store. My fianc and I went to the store and sat with the assistant manager that sold us the XXXX XXXX ring, but the store is denying that I am owed any additional funds and stated that I would need to call Kay Jewelers and handle the matter over the phone. I am not prepared to go back and forth to receive funds that Ive been told are owed to me. I am also stuck with a wedding band that that does not match the ring that I upgraded to and the assistant manager advised that I could simply come see her when I was ready to swap out the wedding band. She is now stating that I need to upgrade the wedding band through your diamond upgrade program and spend an additional $ XXXX {$700.00} on upgrades in order to upgrade the wedding band! I am now completely fed up with the situation. I feel as though my experiences of getting engaged have been destroyed because of this mess. My experiences with Kay jewelers over the past 6 months have been absolutely misleading. Seems as though the jewelers would do and say anything in your favor just to make a sale!
With the assumption that I purchased the original ring without an exchange and with a ring that was retailed at {$1200.00}, less the rewards discount that was originally applied to my purchase ( - {$250.00} ), plus the extended service plan ( {$150.00} ) I would have paid {$1300.00} with tax, prior to any down payments being made. Total down payment at 20 % would have been {$260.00} and the total amount charged to my Kays card would have been {$1000.00}.
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| 10/10/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Sir or Madam, 1. KAY JEWELERS Account Number:XXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, and 60 days late in XX/XX/XXXX, XX/XX/XXXX and 90 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as well as 150 days late in XX/XX/XXXX.
I immediately disputed this information with KAY JEWELERS and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 02/23/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Hi. I wanted to file a second complaint against Kay Jewelers / XXXX. Just so you know, because I wanted this complaint to be clear and precise, I had my significant other type up what my issue was because I am unable to articulate in a formal manner. I felt this was too important to simply write another single paragraph complaint. I am just copying the letter I had her draft on my behalf. The original complaint is CFPB complaint # : XXXX I want to start by saying I am not happy with the response I received from Kay Jewelers to my first complaint. One one hand, I commend them for taking the time to research their account and give me an accounting of what transpired with it while it was theirs. On the other hand, their response was both patronizing and contradictory to the spirit of their message and the letter of the law.
To elaborate on why I am upset and am ready to take this to the next level, Kay Jewelers said XXXX took over the servicing of this account on XX/XX/XXXX. They then went on to state on XX/XX/XXXX they charged-off the account and sold it to XXXX XXXX XXXX XXXX. No balance was owed to them at that point. The trust then assigned the account to XXXX XXXX XXXX. XXXX then deleted their tradeline after I settled with them but that has no bearing on Kay Jewelers / XXXX tradeline. All of this is perfectly valid, reasonable, and acceptable. What is not acceptable is the remainder of their response.
As part of their response Kay Jewelers / XXXX states " We are obligated by the Fair Credit Reporting Act to make sure your account history, while we were the owner, is accurately reported to all credit bureaus to which our data is furnished : XXXX, XXXX and XXXX. '' They then state they are not going to delete their tradeline but will update their reporting with the credit bureaus. I have to say that is the most ridiculous thing I have heard in a long time. I will elaborate as to why this is a load of garbage and the creditor is comporting itself as the stereotypical bully who is taking advantage of its customers.
As Kay Jewelers admitted, they have to report accurately at all times. As part of their response to my first complaint, They also admit " In XX/XX/XXXX, XXXX received an electronic dispute from the credit bureaus to which they investigated and timely responded. '' What they failed to tell you is their response to the credit bureaus came back as " verified. '' That is violation of the Fair Credit reporting Act # 1. To prove this we simply go back to their statement of " On XX/XX/XXXX, your account charged off and was subsequently sold to XXXX XXXX XXXX XXXX ( the Trust ). o No balance was owed to us from this point on. '' If the account was sold back on XX/XX/XXXX and no balance was owed from that point on, why was there still a balance being reported by XXXX in XXXX? So on top of " verifying '' an account as accurate in XXXX which they knew wasn't, why was it misreporting for the last three years. By the way, that is violation of the Fair Credit Reporting Act # 2. Again, They have to report accurately at all times, and by virtue of their own response to my first complaint, they acknowledge this account wasn't accurate at all.
If the above points don't tell you that Kay / XXXX is simply doing what they please and not what the law dictates, this next part of their response is what really takes the cake so to speak. " During our investigation, we reviewed our tradeline on each bureau and found discrepancies with the information XXXX and XXXX are reporting. While it is unclear why this might now be the case, in response, XXXX submitted a request to both to update their information. Please note that our tradeline was not deleted, as requested in your complaint. '' I like how they mention it is unclear as to why that might be the case. To me this sounds again like they acknowledge the information was wrong, and by extension that it has been wrong since XXXX of XXXX, but they don't really care about why it wasn't accurate for the last 3 years nor what harm they have caused me by this misreporting. They also acknowledge they received a dispute in XX/XX/XXXX but again failed to mention to you that they didn't actually correct the reporting at that time but still won't delete the account from my report. In fact, had it not been for my first complaint against them, this would have never been fixed at all until the 7 year statute of limitations ran out!
With all due respect to anybody involved in handling this complaint, their response and actions towards my first response is not acceptable. They don't get to choose when and how they want to follow the Fair Credit Reporting Act. They don't get to simply wash their hands of their negligence and misreporting for the last three years. I have been denied credit for years due partly because in essence because my credit report was showing I owed XXXX XXXX / XXXX twice the amount really owed. Even after I settled with XXXX and they deleted their tradeline from the credit report, I was still denied credit because my score was lower than it was supposed to be due to my report showing I owed Kay Jewelers / XXXX still. These aren't simple credit denials to just any creditor either. I am being denied the opportunity to qualify for a home loan. Do you know how much the price of homes have risen in the last 6 months where I'm from? These are thousands of dollars in home prices and opportunity costs that I'm going to have to pay and am being denied respectively BECAUSE KAY JEWELERS / XXXX HAVE BEEN MISREPORTING FOR THE LAST THREE YEARS AND NOW REFUSE TO HONE UP TO THEIR MISTAKE!! A simple balance correction after the misreporting for three years as well as failure to correct it after I disputed it the first time is no longer an appropriate action and I will be forced to sue them if Kay Jewelers / XXXX do not delete this account from my credit report.
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| 09/28/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXX of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of XXXX ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the FACTA LAW : SEC.XXXX Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . XXXX ( a ) ( XXXX ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA XXXX ( 15 U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
XXXX KAY JEWELERS bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section XXXX ( XXXX ) Block of information resulting from identity theft. XXXX.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( XXXX ) business days after the date receipt by such agency of XXXX Appropriate proof of identity of the consumer ; XXXX A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/06/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. KAY JEWELERS bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/03/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficieant of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of XXXX ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
1. KAY JEWELERS & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 11/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX & {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 08/07/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. KAY JEWELERS bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 02/18/2020 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
Servicemember |
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XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I was contacted XX/XX/XXXX with a message from a number, that stated I was being sued for debt owed. I called the number XXXX, and a completely different company answered the phone. They identify themselves as " XXXX XXXX XXXX XXXX XXXX '' ; though when you search them online, nothing shows up under that name, nor " XXXX XXXX XXXX XXXX '' another name they go by.
When I first called, they genuinely seemed to want to help, but they wanted an astronomical amount of money for monthly payments, and when I told them what I could afford, they flat out refused any monthly payment. I believe the man 's name was XXXX, but, he told me he would call me back. The original number, from `` XXXX XXXX XXXX XXXX '' leaving the same message, must have called me, and my mom about 8 times that first day, even after I spoke to them. And when they called me back that night, they called my mom ... not me, even after telling them to stop calling my mom. They left a message telling me they could help us out by working with us, but I was unable to get back to them, as I was working at the time. When I talked to them again, their proposal was a lump sum of {$2500.00} ... or $ XXXX/mo. I told them once again, I couldn't do that. They have called my mother late at night, my boss early in the morning, and I have asked them to stop calling these people, and deal with me. They called my mom, about XXXX XX/XX/2020.
This morning ( XX/XX/2020 ) when they called, the guy, " XXXX '' that answered the phone started calling me names. He called me a thief, told me to shut up, to stop talking. He told me to send the merchandise that is owed on, to them, and they will sell it at public auction. He then passed me on to someone else ... who also, immediately called me a thief. The first thing she stated was to send the item to them. She kept telling me to stop talking and shut my mouth, and that I was being sued and they were going to take 25 % of my paycheck, and no lower payment was possible. Then she started saying they were going to take our property, saying we own where we are living. I told her we do not, and she rattled off the address to my in-law 's home!!! We don't even live there! She continued belittling me, and berating me when I tried telling her what had transpired in our lives that made payments impossible, and why they had stopped in the first place. They kept telling me to shut up, because it doesn't matter to them. Then she asked me why would we make payments on time all of the time, and suddenly stop. That I was a thief. I tried telling her again what happened, and she didn't care. So, I told her anyway, and during the entire time I was talking, she kept telling me it didn't matter, it wasn't her problem, and to stop talking : What I told her was, my husband was XXXX XXXX during his last XXXX, he was XXXX from the military, and we lost everything. We lost our home, we lost our car ... we were homeless. When I told them we have been trying to work on making payments to clear up our credit, but this particular debt never showed up on our credit score, she told me " because they sell it to different creditors, so it won't ever show up until you are being sued ''. So, I asked how that was even legal. Because I have a right to see what is out there, so I can make payments. So I can work on rebuilding what we lost. Once more, the woman became belligerent, telling me that payments will happen, and they will be forced via judgement, and she hung up on me, again.
I called back, after looking online about legal options, and asked for a Validation letter. She told me that I know what I owe, and by law she doesn't have to send me anything, and I would get everything in court ... So I asked her " so I don't get to see anything until we go to court? '' So she told me to grab a pen, and spouted off a number. I then told her I was looking online and it says if requested, she has to send one. She told me " no, once you are being sued, no one has to send you anything ... but what is against the law, is not paying for something you purchased '' Then she hung up on me again. I did find a " XXXX XXXX XXXX '' ... IF this is the same company, then by law, they have to send me a validation letter, because they are a " debt collector '' and she specifically stated " only debt collectors have to send those ''. I personally feel they are misrepresenting themselves as a law office, because I don't know any professional businesses that would conduct themselves this manner, and I don't know any lawyer that would take possession of items, and sell them at auction ; and at this point, I wouldn't trust them to not just keep the item and say they never received it.
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| 12/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This complaint is based on violations of the Fair Credit Reporting Act by XXXX/XXXX XXXX ( hereinafter XXXX XXXX ).
___ On XX/XX/XXXX, I reviewed my XXXX, XXXX and XXXX credit reports and saw a charged off account reported by XXXX XXXX. All three ( 3 ) of my credit reports contained damaging details that were conflicting with each other.
XXXX On XX/XX/XXXX, I disputed the account with all three credit reporting agencies. In my dispute, I included the following : The furnisher reported different balances, charge off amounts, and different charge off dates to all 3 credit bureaus. This can not be accurate if the information contradicts itself. Please remove the account.
___ Between the dates of XX/XX/XXXX and XX/XX/XXXX, I received the results of the investigations from all three credit reporting agencies. The results continued to reflect information that was contradictory to each other, with even more conflicting and damaging information. Examples of these errors which were falsely verified by XXXX XXXX are as follows : ___ FIRST XXXX XXXX notified XXXX and XXXX that the first 30 day late payment that led to the charge off took place on XXXX of XXXX, while XXXX shows this date as of XXXX of XXXX ( this is a vast spread of 7 months ). More strangely is that XXXX XXXX furnished the date of first delinquency on XXXX as of XXXX of XXXX, which contradicted the payment history that XXXX XXXX furnished under the same account.
___ SECOND XXXX XXXX notified XXXX that the original charge off date took place in XXXX of XXXX, whereas they notified XXXX that this date was in XXXX of XXXX, all while instructing XXXX that this date took place in XXXX of XXXX. This grossly inaccurate spread includes a whopping 20 months of false and damaging data.
___ THIRD XXXX XXXX failed to mark the disputed account as disputed to XXXX and XXXX.
___ XXXX XXXX verified false and damaging information which can cause the remarks to remain on my credit reports for longer than allowed by law. In addition, credit scores are weighed more heavily on recent negative activity much more than older negative activity.
___ In a recent decision in the U.S. District Court of MD, the court ruled that reporting inconsistent information to varying credit bureaus in response to a consumers dispute is a violation of the FCRA : This inconsistency between the type of account reported supports an inference of carelessness on [ Defendants ] part sufficient for a cognizable section 1681s-2 ( b ) claim. See XXXX, XXXX WL XXXX, at XXXX ( finding that alleged inconsistencies between information provided by the furnisher to different credit bureaus sufficient to survive a motion to dismiss ). Accordingly, XXXX XXXX XXXX motion to dismiss XXXX claims under 1681s-2 ( b ) will be Denied. XXXX v. XXXX XXXX XXXX XXXX. XXXX ( D. Md. XXXX. XXXX, XXXX ).
___ To support my complaint, I have attached the updates from the credit bureaus where I copied and pasted the relevant trade lines from their respective PDF files, and adjusted the sizes of the images to fit each page for easy reviewing.
___Based on the aforementioned facts ( and supported by the attached updates from the credit bureaus ), XXXX XXXX engaged in the following violations of the FCRA : ___ ( a ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute thru the credit reporting agencies.
___ ( b ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( B ) in that they failed to review all relevant information provided in my dispute to the credit reporting agencies ( including the fact that information can not possibly be accurate if it is in direct conflict to information they verified to different credit bureaus ).
___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate information on my credit reports.
___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) ( i ) in that they failed to modify the account with a notation that it was disputed upon the completion of their investigation, as required by 1681s-2 ( a ) ( 3 ). The Tenth Circuit, applying XXXX, found XXXX argument insufficient to support an award of summary judgment, stating that [ a ] jury could reasonably conclude that [ the defendants ] decision to report the debt without any mention of a dispute was misleading in such a way and to such an extent that it can be expected to have an adverse effect [. ] Id. at 1186 ( emphasis in original ) ( quoting XXXX, 526 F.3d at 150 ).
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| 07/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I closed an account with Jared the Galleria of Jewelry a few months ago. Prior to that I requested that they lower my credit limit from the $ 7,000+ limit that was currently on file to {$5000.00} and leave it there since my balance was finally under that. They did so but did not and still have n't reported to all 3 credit bureaus that I requested the limit be lowered so it does n't look as though I went more than {$2000.00} above a {$5000.00} limit, which in turn would hurt my FICO scores on all 3 reports, and would cause massive questions from other creditors. I 've disputed this info twice with all 3 bureaus in the last few months. All came back stating " Verified as Accurate '' which does n't mean anything. I feel that the bureaus are not taking the requests seriously or disputing it properly to the creditor for them to know what I 'm telling them that needs to be corrected. I just called Jared at ( XXXX ) XXXX which is their customer service dept. who does n't necessarily understand credit at all. They got hired as one rep stated for their " aptitude and attitude ''. That does n't negate they understand credit! They have no ability to answer questions, understand what a credit dispute is or anything else pertaining to credit. They can only read info off of a screen. Other than that they 're completely inept! When I called Jared today XXXX told me that she shows my limit is {$5000.00} on their end. I told her several times that 's not what shows on any of my credit reports. She was n't understanding what I said, no surprise. She said she would turn me over to Correspondence whatever that means and hung up! The next one did n't want to transfer me to " Correspondence '' because she likely did n't know what it meant either. So she tried to help but was XXXX than the last one! She 's lucky I did n't get her name and she 's the one that told me how they get hired. I repeat if you do n't know anything about credit you should n't be working in credit of any kind! Those people that Sterling hires are XXXX than a bag of rocks and know nothing other than what they see on a screen. They do n't know how to answer real credit based questions, ca n't tell you what 's happening at any time on your account, when a payment is truly considered late or anything else. So why do I want to deal with XXXX people? That 's one of the reasons I do n't have any accounts with them anymore in addition to the fact that their payments are ridiculously high. I requested a supervisor. She was so XXXX that she forgot to put me on hold. I heard her making comments in the background. She must 've been new because when I asked for a supervisor she did n't seem to know what to do, and had to talk to someone near her about what I said. Then she put me on hold and left me there for a long time. I hung up and decided to file this complaint. I want this issue corrected and if this is the only way to get their attention then so be it!!! They need to fix it and report it accurately on my credit reports - all 3 of them! I had to fight to get them to show it closed. They are one of the hardest creditors ever to get to fix inaccurate info that they report inaccurate! The last person I spoke to told me that she knows they review every account before reporting it to the bureaus. Is she kidding???!!! Sterling does not hire people to review closed accounts to be sure they are reported accurately! It 's because they do n't hire people that come from the credit world, just inexpensive young people who really do nothing other than warm the chair for the next XXXX person on the next shift. I recently told my jeweler that I was n't buying anymore jewelry because a ) it 's too expensive and b ) it 's not worth anything close to the excessive amount you pay for it. I bought a ring from them in XXXX and tried to sell it recently to a jeweler that buys jewelry. He offered me {$600.00} for a ring I paid $ 3,000+ for! Really???? I 'm supposed to be inspired to buy more jewelry at ridiculously high prices??? NO!!!! Never again! They have all of these really XXXX rules attached to their cards that do n't make any sense to anyone but them. I 've closed 3 accounts with them based on the lack of customer service over the phone which is just insanity. I do n't miss dealing with them and this has tarnished my willingness to ever consider buying from the again. I love my jeweler but not the co. he works for.
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| 08/18/2017 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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A few years ago I had a huge financial hardship resulting in my credit going from good credit to very bad credit. This is not something I am proud of but life happened. Since then I have been working with several of my creditors to resolve my financial burden. Kay Jewelers was next on my list.
OnXX/XX/XXXX I received a call from a XXXX XXXX XXXX at my place of employment regarding my past due Kay Jeweler account. He asked for me by name yet said he was calling to verify my employment. He stated Kay Jewelers is going to file a civil judgement on me to garnish my wages. I explained to him I could not take his call at work and would call him back the next business day after work as I got off to late to reach him onXX/XX/XXXX.
After several phone calls today ( XX/XX/XXXX ), I finally reached him and inquired about my options to get my {$1200.00} debt paid off. The options offered were out of my budget. He transferred me to the office manager whose name is XXXX and who would not provide me with his last name. I advised XXXX I could not afford the options offered and could we come up with a better option that better fits my budget. Although XXXX XXXX was very polite when talking to him, XXXX was the complete opposite.
XXXX attacked my character, asked me very rudely why I could n't get a family member to pay my bill, why I could n't defer a car payment and why I got the credit in the first place if I could n't pay it back. Among other rude remarks he made as well as there were many. ( Please refer to the recorded phone conversation if possible ).
I proposed a payment arrangement of {$54.00} a month for 24 months which was refused. He kept talking over me and would not let me explain my full financial situation to him. He offered 18 months at {$75.00} a month which I just can not afford at this time because Kay is not the only creditor I am working with to get all of my debt resolved. He said the payment is only {$20.00} more than the {$54.00}. I explained to him that {$20.00} is a lot of money to me. I advised him if they could accept the {$54.00} a month now, once my financial situation changes, I may be able to afford higher payments later. Again, he refused to accept a {$54.00} payment.
I asked if I could have my account number and an address where I could send in a payment myself since he was refusing to accept the {$54.00} and I was ignored and never given the information. He eventually hung up on me. It is already upsetting having a financial difficulty but being treated the way he treated me on the phone was even more upsetting and uncalled for. I would also like to mention I asked him several times if there was someone else I could talk to because I did not like the way he was talking to me and he advised me he was the office manager and there was no one else I could talk to.
I was responding to a call made to me ( at work ) to handle my debt and to be refused when trying to give the payment amount I can afford is ridiculous. I called back and was transferred to XXXX again and received the exact same treatment and was hung up on again. I called back again and spoke to XXXX XXXX who gave me the web address to make a payment. He also refused to give me XXXX 's last name as he said he did not want to " get into trouble. '' He also refused to give me my account information and referred me to the website. On the website you need account information in order to make a payment. I did place an email on the website for someone other than XXXX or XXXX XXXX to call me back so I can get the information I need to handle this. I am still waiting for a response. I would like to add while speaking to XXXX XXXX I told him I was starting to feel very uncomfortable with the phone call as no one would help me and/or give me information. I was beginning to wonder if this was a fraudulent phone call.
I may be reached at XXXX after 4 every weekday but Wednesday. Thank you so much for your time in helping me resolve this matter.
Respectfully, XXXX XXXX SS # XXXX
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| 12/23/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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To Whom It May Concern : Be advised this not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe to you. I am requesting proof that I am indeed the party you are asking to pay this allege debt, and there is some contractual obligation that is binding on me to pay this debt.
Also, be advised this is my second attempt to request for validation. This is NOT a request for " verification '' or proof of mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also form you that if your offices have or continue to report invalidated information to any of three major credit bureaus ( XXXX, XXXX, and XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative marks is found or continues to report on any of credit reports by your company or the company you represent, I will not hesitate in bring legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during the validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTIOR DECLATION Agreement your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor ( XXXX XXXX ) Any insurance claims been made by any creditor regarding this account.
Name and address of allege creditor.
Alleged account number.
Address on file for allege debtor.
Account of alleged debt.
Date of the original charge off or delinquency.
Date this alleged debt became payable.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is completed and return with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for process after I receive this information back.
Best Regards
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| 01/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
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I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by law to place a notice of dispute on my account within 30 days of my dispute. As stated above, my dispute was sent to you on XX/XX/2020 and you responded on XX/XX/2020. Additionally, I have obtained a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Additionally, the account has been resolved and there is no further obligation to this debt as per the attached documentation. Resolving this matter with payment is not an admission of quilt. I am maintaining a careful record of my communications with you for the purpose of filing additional complaints with the CFPB and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S. 1681 s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( 1 ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via the complaint number listed above with time and date of your receipts, you must now remove the item. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX CT XXXX, TX XXXX Last 4 of SS # XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Upon the receipt of this notice, please provide written response within 15 days stating this entry will be removed from all 3 of my credit reports ( XXXX, XXXX, and XXXX ). I look forward to your prompt response. Proof of credit report entry below : CC : Consumer Financial Protection Bureau XXXX. Attorney Generals Office CC : XXXX XXXX XXXX Regards, XXXX XXXX XXXX
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| 03/13/2020 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have been trying to pay this Debt and have it deleted off my credit for over a year. Over the last 3 months I have done a significant amount of digging to try and pay this debt and here is what happened. I was also not notified of the debt being sold and the debt changing 3 different companies.
Late XX/XX/XXXX - Called in to Kays customer service line was advised that this debt it no longer with kays and has been taken over by a company ( XXXX XXXX ) I call the company and they can not help me and provide me no information on how I can pay this debt. I call into Kays customer service once more to be told they can not help me. I file a dispute and I hire a firm, XXXX XXXX to have this deleted off my credit report or perhaps an answer on how I am able to clear the debt.
XX/XX/XXXX - I call into the Kays customer service line they advised once again they are not able to help me. I am begging them for a solution as I am not entering the home buying process and this is having an extremely negative impact on my credit. They give me to number once again to XXXX XXXX l once more and I am not able to get a hold of anyone. I call Kays back and they are also not helpful. I see on my report that there is Kays - but another address listed, XXXX XXXX XXXX XXXX, OH XXXX, I XXXX the address and discover that the debt that is being reported by kays has not been sent to XXXX it is now with Sterling Jewelers, this is the number that pops up on XXXX, ( XXXX ) XXXX - So I call into the number and am sent though a number of automated prompts, I am sent to a system that in fact I find that I have an outstanding balance. I hit the 9 option to make a payment by phone and I am redirected to the main line once again. I then try to hit the option for customer service and then a recording comes on that " this line is no longer active. Frustrated I call Kays once again begging for any direction and am turned down. In mid Bursary I receive a letter from kays that they want me to verify my Social Security number as they can not locate my account. I call again an get nowhere. I am now looking for a home. I still can see that XXXX XXXX is awaiting a response from Kays.
XX/XX/XXXX - I now have a home under contract and the Kays account is effecting my ability to go to a primary mortgatge company. I call Kays once again and am told that they are not able to help me. I go onto the XXXX website and look up their customer service number, I am finally able to get somone on the phone, a woman that tells me that anything older that XXXX has been sold to Sterling Jewlers, I explain that I have tried calling them and she gave me a number for head office XXXX XXXX XXXX XXXX, This was a number I have previously dialed. The woman on the phone told me not to hit any of the prompts and it would take me to a live person. This did not happen and the system hung up on me. I also tried to call the XXXX number again and it takes you to their main line I even tired calling into HR and it is all automated and taking me to mail boxes.
1. I was never advised the debt was sold and it is still appearing on my credit report as a Kays account.
2. I have made many attempts and no one can seem to help me in getting this resolved and bring the account in good standing and get this deleted off my credit report.
3. This is having a negative impact on my ability to qualify for a home loan.
|
| 09/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Kay Jewelers and I have had multiple interaction this year concerning a filing that is placed on my credit report by all 3 credit bureaus.
I repeatedly have requested account validation and the validation of the debt. Kay Jewelers has finally supplied me these documents attached to a response from CFPB complaint XXXX on XX/XX/XXXX.
Their response included ( 5 ) documents : 1. Credit Application Identifying Marks : Social Security Number and my physical signature. ( Identifying marks are accurate on this document. ) 2. Sales Slip Inquiry from a purchase made on XX/XX/XXXX 3. Sales receipt from a purchase made onXX/XX/XXXX.
Identifying Marks : My physical signature and name printed on sales receipt by retailer. ( Identifying mark is accurate on this document. ) 4. Sales Slip Inquiry from a purchase made on XX/XX/XXXX Identifying Marks : None Last Name : XXXX First Initial XXXX and Customer name stated as " XXXX XXXX. '' ( No identifying marks on this document that confirms that I made this purchase. ) 5. Sales Receipt from a purchase made on XX/XX/XXXX Identifying Marks : None Card Holder stated as XXXX, XXXX and the signature is a squiggly line.
( No identifying marks on this document that confirms that I made this purchase. ) In the companies response they stated the account they are reporting on had two purchases made. The first purchase was placed on XX/XX/XXXX and was paid off on XX/XX/XXXX. The company has provided a detailed receipt with my signature printed on it. I do not dispute this purchase.
The company states that I made an additional purchase a year and a half later on XX/XX/XXXX. I do n't have knowledge of this purchase and do n't recall this transaction. Kay Jewelers had provided " Sales Slip Inquiry '' as proof of this purchase. The receipt for this is a generated receipt and has a squiggly line as a signature. This purchase has been reported negatively to the credit bureaus.
This purchase is being reported without Kay Jewelers being able to validate or verify due to lack of identification on the receipt. The sales receipt have zero identify marks such as my name or signature. This definitely does n't match the information supplied on my credit application and the purchase made on XX/XX/XXXX.
I have no knowledge of this purchase being reported and feel I may be the victim of identity theft.
Kay Jeweler has violated the Fair Credit Reporting Act by failing to re-investigate this dispute as stated in a Fair Credit Reporting Act. They have unfairly investigated this as a bad debt instead of a potentially Identity Theft issue. The last purchase does n't have my complete name on any document and lacks a signature.
Even though Kay Jewelers is unable to verify this debt, they continue to report it to the bureaus. Not only do they report this debt, but have sold unverifiable debt to a collection agency.
Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Kay Jewelers is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts I request to be posted and or reported on a credit report.
Under the Fair Credit Reporting Act unverified, invalid accounts must be removed. Kay Jewelers has failed to comply with Fair Credit Reporting Act.
|
| 07/11/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
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Web |
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My fianc and I came in to Jared jewelry store and XXXX XXXX told us that he could put a diamond stone on a band they had in store ( which would make the ring custom ) and if I did n't ' like it, I did n't have to keep it as long as I returned it within 30 days. According to their pamphlet, anything custom can not be returned. He lied to us about this. I did n't want to return my ring. I loved it, but I 'm informing you about this to show a pattern. When he talked to us about financing, I told him that I do n't like to finance because I do n't want to pay interest. He said that they had a program right now for 0 % interest for 12 months. He never mentioned a down payment and he stated if we needed a little more time we could go with an 18 month loan that was 0 % for the first 12 months and 9.99 % for the last 6 months. We were at the store for quite some time and XXXX stated it was taking longer because he was trying to make it so we would n't have to put any money down. Had he told us at any point we would have to put money down, we would have been out of the store empty handed. However, that was n't the case, so we thought and we ordered our rings believing we were getting 0 % for 12 months. I received the first bill due XXXX/XXXX/16 but no payment was due on the paper statement. I made an account online because I pay all my bills online. When I did that, it stated I needed to make a payment of {$690.00}, which I paid by the due date. The amount was about right, in store the calculation was about {$700.00} a month. However, when I got the next months statement, it stated I had {$270.00} in interest. I called the XXXX number and XXXX at ext XXXX said that I did not have the account for 0 % for 12 months, I had a regular account with an interest rate of 24.99 %. I told her that is not what XXXX told us. She said she could change it to 0 % but my monthly payment would be {$1100.00} per month. I told her that I could n't afford that much per month and that XXXX never told us that. She stated she would call XXXX at the store. She came back on the phone and stated XXXX would be calling me because he wanted to handle this since we were his customer. We called XXXX and he told us that he did n't sign us up for the 0 % but that we could change it to 0 % for 12 months for {$900.00} and change per month or 18 months, etc. I told XXXX that he did not tell us this in store and he misled us. I hung up. I called Jared XXXX # back and asked to be set up for the 18 month plan. She stated that we would have to put 20 % down in order to do that. I was appalled, XXXX had not informed us of this either. I looked through my paperwork and I was not given a copy of the credit application or any information regarding the credit agreement. On my receipt it merely states reg credit plan. I take responsibility for not reading thoroughly and making sure the verbal information given to us matched the written, but we were misled. Also, when I spoke to XXXX, I told him I just wanted to return the rings. He said I could not because the 30 days had passed. Perhaps that is the reason no bill is due until 60 days after a purchase. It 's not that I do n't want to pay for the rings, it 's just that we were misled with the credit terms. I can email you all the documents I have.
|
| 06/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : KAY JEWLERS XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 02/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
CFPB, I am currently serving in the military. I was informed on some errors on my credit report due to renewal of my security clearance. XXXX, I wrote to the credit bureaus and informed them they were inaccurately reporting information that will potentially cost me my job. I submitted supporting documentation ; fast forward to XXXX, I lost my job because they didn't fix the errors on the credit report.
1. I submitted information to fix the following accounts : XXXX XXXX ( Mortgage ), XXXX XXXX, Kay Jewelers, and XXXX.
2. XXXX, I sent certified mail to the credit bureaus ; still no change.
3. XXXX, I sent certified mail explaining and pointing out the errors, still no change.
4. XXXX, I sent certified mail to explaining and pointing out the errors with supporting documents, still no change.
5. XXXX, I sent and added credit report image from IdentityIq showing the each entry side by side with clear errors, still no change.
I also contacted the creditors reporting the information by mail asking them to fix and errors and provide me proof of the debt, still no change and no response.
1. XXXX XXXX is reporting a Foreclosure on one bureau, 120 days on another, payment history does not match, date open doesn't match etc. This is a major account responsible for my job lost in the military.
XXXX. XXXX XXXX, I sent multiple letters asking them to verify the debt and or delete the debt. Still no response. I called and spoke to the company and ask the don't have document to provide me but keep stating the account information is accurate and verified.
3. Kay Jewelers have been taking payment from me but will not update the account. They stated they closed and charged off the account, but I was still making payments. The military had me used a company to make payments to them just to show external payment history to provide proof for my security clearance. The account is still not update. I called and asked who they sold the account to, and no representative can give me a straight answer. I lost my security clearance and job because of this account.
4. ACIMA. I had to paid this account because the military wanted proof of action. I don't own this account. I asked them to since remove it, but they keep stating is verifiable but will not provide me proof. This is one of the account listed on my security clearance file.
Lastly, I asked the credit bureau by mail to provide me proof of their method of verification and have not received anything since XX/XX/2019. The creditors and data furnisher have not provided me any documentation to substantiated these debts. I have called and sent certified mail even with evidence ; still refusing to make the changes. I went as far as sending image of the each credit report side by side from IdentityIq showing the errors, but they will not make fix the issue. I have lost my security clearance and my job.
I kept receipts of my certified mail and certified mail receipts in case they denied receiving it.
Critically, I pointed out that my information was also used by someone living at these address because I have never lived at these address/state in my years of assignment in the military : XXXX XXXX XXXX XXXX, # XXXX XXXX Texas XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, TX XXXX.
|
| 06/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : KAY JEWLERS XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 06/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : KAY JEWLERS ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 11/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I paid for insurance with my XXXX card every month that if something should happen to me the insurance would cover my bill. I have tried to dispute my credit file with the credit bureaus several times. I contacted XXXX again today and this was there reply XXXX XXXX ( XXXX ) To : you Details This is an automated email with the transcript of your recent chat session. Please save the log for your records.
Your session ID for this incident is XXXX.
Time Details XX/XX/XXXX XXXX System : " Thank you for visiting XXXX. An agent will be with you shortly. '' XX/XX/XXXX XXXX Session Started with Agent ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX : `` Hi I need to speak with someone regarding my XXXX card. It shows up on my credit report and everytime i dispute it it comes back but I paid for the insurance every month and this was suppose to be handled by the insurance company when I was unemployed '' XX/XX/XXXX XXXX Agent ( XXXX XXXX. ) : " Hello and thank you for contacting us! I d be more than happy to assist you! '' XX/XX/XXXX XXXX XXXX : " how do I get this off. this is crazy. I was charged every month for this insurance then im being told it wasnt used '' XX/XX/XXXX XXXX Agent ( XXXX XXXX ) : " I would recommend contacting our Customer Care team directly for assistance. I do apologize for any inconvenience this may cause. '' XX/XX/XXXX XXXX XXXX : " i tried that they cant help me '' XX/XX/XXXX XXXX XXXX : `` is there a departmenet that can '' XX/XX/XXXX XXXX Agent ( XXXX XXXX ) : `` XXXX XXXX no longer handles the credit financing for our company. If this was an issue that should have been taken care of before our credit transition and if for any reason your claim was not processed during the time you were unemployment, unfortunat '' ely there wouldn't be anything we would be able to do at this time.
XX/XX/XXXX XXXX XXXX : " when did this change '' XX/XX/XXXX XXXX Agent ( XXXX XXXX ) : " Our credit position took place in XXXX of XXXX. '' XX/XX/XXXX XXXX XXXX : " omg so I cant do anything '' XX/XX/XXXX XXXX Agent ( XXXX XXXX ) : " Unfortunately there would not be anything that we would be able to do at this time. '' XX/XX/XXXX XXXX XXXX : " Im contacting the FCC this is totally illegal '' XX/XX/XXXX XXXX Agent ( XXXX XXXX ) : " I do apologize for any inconvenience this may cause. '' XX/XX/XXXX XXXX XXXX : " this is not inconveint its illegal '' XX/XX/XXXX XXXX XXXX : `` you guys charged me for a service then you dont run my claim through when it supposed to be run through then you say its to late when it hits my credit report after I have disputed this several times '' XX/XX/XXXX XXXX XXXX : " are you there?? '' XX/XX/XXXX XXXX Agent ( XXXX XXXX ) : " I do apologize ; We would have sent out the forms so that you could begin processing your claim through XXXX. Unfortunately if the claim was not processed there wouldn't be anything that we'd be able to do at this time. '' XX/XX/XXXX XXXX XXXX : " none of this was done. They asked me questions over the phone and said it was all recorded. Are you saying this was all a lie '' XX/XX/XXXX XXXX XXXX : " omg Im filing a complaint right now with the CFPB this is insane and I will be contacting the attorney general '' XX/XX/XXXX XXXX Session Ended
|
| 09/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
Servicemember |
|
In 2011 I had XXXX accounts with sterling Jewelers, XXXX with XXXX and XXXX with a jared. These accounts were both paid as agreed until my husband was injured and required extensive surgery at which time we were forced to file a chpt XXXX to protect our home. When our home was no longer in jeopardy we voluntarily dismissed the chpt XXXX. Both my attorney and myself attempted to contact sterling to ascertain the holder of these accounts to no avail. Even a certified letter went unanswered. This is a common complaint with XXXX after reviewing social media.
Two weeks ago I received a call from s " no caller ID number. '' The individual identified themselves as a " representative of the state that needed me to be at home or my place of employment wt XXXX to deliver legal, papers. '' A phone number and reference number was provided. When I called the provided phone number I reached an individual, who stated " he was from Kay Jewelers and the lawyers had already filed paperwork with my state and county. " " I was given 72 hours to pay my account or face " legal action or prosecution. '' In a panic, I provided my bank account numbers. I was told an authorization to deduct monies from my bank account would be emailed and I would need to sign this authorization. I did indeed receive such an email, and realized I needed to have this information reviewed. Much to my surprise, over XXXX was deducted from my checking account within 72 hours without return of the authorization. My bank ( XXXX ) fraud department immediately became involved. The identified offender was " XXXX XXXX. " Several days later, my husband received another call from " no caller Id. '' Same scenario. It was " a state employee needing to serve legal documents. '' When the phone number was called, an individual ( XXXX ) went into great detail about a Jared account. My husband was NEVER on this Individual Jared account. This was again " regency capital. " I immediately contacted an attorney ( XXXX ) regarding the unauthorized deduction and continued threats of criminal action. I spoke with XXXX XXXX ( XXXX ). When XXXX XXXX called the phone numr of the " Kay representative, '' the individual refused to provide the company name, address, or, fax number. XXXX XXXX could find no record of XXXX XXXX in her data base of licensed agencies in New York. The attorney office advised that I immediately cancel my bank account and debit cards. This required I miss an entire day of work to cancel my account, debit card, automatic deduction, etc.
Around this time, I received a credit alert that XXXX XXXX XXXX had placed XXXX collection entries on my credit file, XXXX for Jared and XXXX for Kay. The entries appeared as new defaulted accounts. Prior to the appearance on my credit, I had never heard of XXXX. I had certainly received no communication from them.
I called XXXX and spoke with an extremely rude lady who told me " we, own these accounts and they have been outsourced for collection to XXXX. '' When I described the issues related to XXXX XXXX, the agent responded " I do n't believe any of that. It 's not my problem anyway, it 's yours. '' She then hung the phone up!
|
| 02/21/2017 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
Servicemember |
|
I had a card with Kay Jewelers in XXXX. I got the card to build up my credit while I was young. However, I did not ever get a chance to utilize the trade line. The card went missing so I went to Kay Jewelers in XXXX XXXX ( XXXX, South Carolina ) to report the card stolen. The associate I spoke too said that everything had been taken care of and asked where the new card should be sent. I told her I did not want a new card and to have the account close. She closed the Kay Jeweler 's account, or so I had thought. Weeks later I began to receive phone calls about a balance on a card that I had never used and thought was closed, I explained this every time to the Kay Jewelers collector 's that were calling sometimes 2 times in a day. After about a month I got a call from a Kay Jeweler 's collector explaining that I may be facing being sued for the balance on the card and I told them the same thing but they continued to request payment. In XXXX, I decided to enlist into the military and for the security clearance, one of the things that they require is a clean credit report. Kay Jewelers had reported my account as a charge off that was not paid. So i contacted Kay Jewelers about the issue and they told me that I still owed a balance and they had no record of any type of stolen or lost card report or closing of the account. When I spoke to the officials for the security clearance I was told that since it was a charge off and unpaid at that, the only thing I could do to move forward was at least pay the balance owed and move forward with a report explaining the situation. Or, I could take legal action and get the issue brought up in a proceeding but that what completely stop my enlisting in the military process altogether because you can not enlist while involved in any type of open legal action. So me wanting to get out of my hometown and move on with my life contacted Kay Jewelers to pay the account and explain my situation in hopes to get it resolved. Over the phone before I paid, I asked that could I have the charge off removed after payment due to the situation and misunderstanding. I was told yes, we will contact all XXXX credit bureaus. I paid and completed my enlisting process, fast forward 4 years later I pull my credit report and it says that Kay Jewelers has a PAID CHARGE OFF on my account. I contacted Kay Jewelers and was told they do n't submit anything to the credit bureaus after payment except that I paid, no matter what the situation was. I asked that I have this removed since they were supposed to do it before giving the ramifications of my specific situation. I told them I was n't asking for removing something in order to benefit me. I was asking that they remove something that was altogether wrong and the account was never used. I got hung up on. I have not been able to contact any senior representatives only call center supervisors that openly express that they will not do anything in my situation and that I should have thought about things like this happening before I decided to apply for credit in the first place. I did not do anything wrong and now this is destroying my credit.
|
| 05/03/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
I went to XXXX XXXX on XX/XX/XXXX or XXXX, 2018 with my partner and on our way out, we stopped by Kay Jewelers to inquire how much it would cost to resize and clean our rings. The store associate who assisted us was XXXX and then the store manager, XXXX. XXXX had me fill out information so I could leave my ring for resizing and cleaning. He said I had to fill it all out and sign at the bottom so I would be able to be registered in the system and pick up my ring. However, he proceeded to take my information, ran my credit, and used my information to pre-approve and apply for a credit card without my consent. I am very well educated with credit and how it works. He ran my credit and applied for a credit card without my consent. I was furious that he did this without my permission when he said this information was just to register me in the computer to set up my account to pay for the order.
I asked the manager why he thought it was okay to lie to me and apply for a credit card without my consent. The associate was well aware of what was going on because he was embarrassed and went to hide in the back until we left. I asked for the district manager 's contact information and he refused to give it to me. The store manager, XXXX, proceeded to laugh and say it's not a big deal, you'll get a card now and be able to shop. I had no intention to ever get a new credit card especially for Kay Jewelers. He laughed at me and said " if it's such a big deal, when you receive the card, just cut it and call and cancel it, no big deal! '' I left the store incredibly upset.
I immediately went on XXXX for Kay Jewelers customer service and I called customer service and they refused to give me any information. The associate on the phone just said to cancel the card when I receive it.
The pre-approval process runs your credit. When you run your credit, it lowers it. When you apply for a credit card, it runs your credit. This is something I never wanted.
I finally got a hold of the district manager, Georgia XXXX XXXX, and I explained my situation. She said there was nothing she could do on her part, but to talk to the store manager. She offered a free ring clean when I stop by a particular mall that is out of my way.
My concern is the manager lied to a customer, me, and asked for information and wrongfully used it to apply for a credit card that the customer never wanted and saying it was the registration form to be in the system and drop off a ring. That's a huge fraud problem in itself. Second, the company did nothing about it and didn't fix the situation and my credit took a toll through it all. Third, I don't even want to know how many times the associates or store manager at this location have wrongfully done this to countless of innocent customers/people window shopping at their store. Incredibly wrong.
After this incident, it's sad to say that their reviews verify that this has been an issue in the past and I refuse to use Kay Jewelers for anything. I'm most upset that my credit took a toll with this and I have a credit card open under my name when I never approved for this.
|
| 04/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies.
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : XXXXdebt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611.
CREDITOR CONTACT INFORMATION : KAY JEWELERS XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX
|
| 10/18/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
The issue is with Kay Jewelers. The issue came to the forefront at XXXX XXXX on XXXX/XXXX/XXXX.
While attempting to make a purchase in a store, I was advised that my account was suspended due to some NSF payments. Back in XXXX XXXX, I setup auto pay online using a XXXX checking account ending in XXXX, I authorized Kay Jewelers to deduct {$25.00} each month on the due date. In XXXX XXXX, there was fraudulent activity on the account ending in XXXX, which ultimately forced caused me to have the account closed.
I logged into my XXXX account XXXX/XXXX/XXXX deleted the XXXX XXXX payment account ( XXXX ), deleted any future auto payments from this account and added, to the new auto pay acct with XXXX XXXX ending in XXXX and setup a SAME DAY payment for {$25.00} as well as an auto payment that was to being in XXXX on my due date. Again, the account ending in XXXX was removed and it appeared NO WHERE on the account. I received an email confirmation of the changes. From a CUSTOMER standpoint, I performed the processes based on instructions from the website.
It was brought to my attention, last night while attempting to pay for merchandise that my account was suspended for purchases for the NEXT 6 months because of NSF charges. Whatever processing system used by XXXX XXXX 's CONTINUED TO PULL FROM THE DELETED ACCOUNT ENDING IN XXXX!!!!
I ended up calling into the call center last night ( XXXX/XXXX/XXXX ) and spoke with a CSR who was not ANY assistance at all and rude on top of that. I ended up requesting to speak with a Supervisor, I spoke with XXXX who ultimately CONFIRMED THAT THE TCF ACCOUNT ENDING IN XXXX WAS NO LONGER ATTACHED TO THE ACCOUNT AS OF XXXX XXXX, HE ALSO STATED THAT HE " DOES N'T KNOW WHY THE SYSTEM IS CONTINUOUSLY ATTEMPTING TO DEDUCT FROM THE ACCOUNT THAT WAS DELETED '', HOWEVER THIS IS NOT KAYS ISSUE AND THEY COULD NOT LIFT THE SUSPENSION FROM MY ACCOUNT. He also verified that payments were coming out of the account ending in XXXX since XXXX as they should be. I also noticed that I have been charged 4 different times @ {$25.00} a piece for NSF fees and returned check fees, this has tacked on ANOTHER {$100.00} to my account, which will accrue interest.
I the customer have been humiliated both at the store and on the phone. Although Kay representatives REALIZE the MISTAKE within their system caused and that this issue is NOT my fault, I am the one being penalized and inconvenienced. I logged onto the online system to update my payment information in a timely fashion and if their system was malfunctioning and NOT processing online request and updates the way it should have is NOT MY ISSUE!
I have YET to miss a payment to this company. The {$25.00} has been pulled AND posted to this Kay account as it 's being paid from the account ending in XXXX.
During the month of XXXX and XXXX, Kay Jewelers has attempted to process 2 simultaneous payments from me, one from a closed account ( that was removed ) and 1 from the valid account where payments have been successful.
|
| 04/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
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- Confusing or missing disclosures
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Web |
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Last year in XX/XX/2018 I purchased a ring for {$1300.00} for my wife from XXXX XXXX. I paid an extra XXXX dollars on insurance for the ring. I wanted to pay for it in cash but they insisted on checking if I qualify for finance. A year from now I didnt know anything about credit but now Ive become so much more knowledgeable. Anyways, I said yes and then the lady at XXXX told me that I can get the ring today and not have to pay anything until XX/XX/XXXX. So I got the ring on credit and they ended up giving me a credit card. I didnt realize I just applied for a credit card. Anyways a month goes by and its XX/XX/XXXX, I get a call early in the morning not realizing who it is and it was XXXX customer service telling me that I owe a payment already. I thought I didnt have to pay anything until XX/XX/XXXX. So the person tells me I have to pay a minimum of {$140.00}. So I gave my debit card details and everything so they can have my card on file already and just take the money out from my card. So this same month later, my wife looses the ring and it was just terrible. I still owe XXXX more than 1,000 dollars and so i tried to go to XXXX and ask if i could get it replace or if they can offer me anything. A deal or anything and they said that their insurance doesn't cover theft or lost. So I became upset about this. I was making much money then and I couldnt afford to get my wife another ring. So I tried to just forget about the incident. Months went by and in the back of my head I always thought that XXXX had my debit card on file and then I realize that they did not. It was XX/XX/2018 when I realize that XXXX has been charging me a whole lot interest that i wasnt aware because i thought i didn't have interest for the first year and they were also charging me late fees. I became so upset when I found this out. They never were able to help me get my login information or how to check my statements. So I went and pay XXXX dollars on XX/XX/XXXX. From then on I started paying every single month. Making payments of more than 100 and my last payment was of almost 400 dollars. I kept getting interest add on every month. This is when I realize that my credit has probably been affected. I went online to check on XXXX XXXX and my score went down about 85 points. And it was the worse feeling. After that I started to try to build up my credit. And i started to do my research about credit repair and such. I now have about 7 credit cards and I pay them off every month and never carry balances. I am young father and husband and soon I want to buy a house and I need a good credit score. Ive never missed a payment from any other place except XXXX. And if was a simple mistake. Its not like I didnt have the money. I know the miss payment can stay on my credit report for almost 7 years and I dont ever think I can get my credit score higher than in the low 700s. Im trying to get the best credit I can in order to provide my wife and son a good home not be over paying in interest.
|
| 11/11/2016 |
Yes |
- Debt collection
- Credit card
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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Sterling Jewelers 30 day dept continued to call me after I explained that my wife lost her job and gave them a date I would pay asked them not to call me again on 3 occasions all 3 times I said Cease and desist. The rep ended the call and the next rep informed me that the only notes from the previous call were refused to pay. I explained that I told them the exact amount and date I would pay. Ic also told them to Cease and Desist. This did nothing to stop the harassment. They also tell me it wil be out of department if I do n't pay right then this is not true and the threat that they have or are reporting to credit bureaus if I do not give them my credit card info that day is false, they do not report until 90 days late. These reps have ignored multiple requests to not call my cell phone, do not call during working hours, Cease and Desist, do not call until after the date I said I would pay and to stop harassing me. They either do not keep accurate documentation of conversation or lie and mislead me by saying the notes do not exist. I have told them why I am late and promised to pay on a certain date asking for no more harassing calls unless I do not pay to no avail. These rude reps cut me off demand post dated payment and say I am ending this call and hang up after I tell them this is cell phone and I want harassing rude calls to Cease and Desist they then do not notate my account in order to calll numerous times per day threatening to transfer account to another department if I do not post date or call someone and borrow the funds. This department transfer does not happen and either does reporting. I paid cpayment due on the date promised and they continue to call my cell multiple times per day hanging up when I answer. This company is harassing me on my cell, during work, while I am sleeping, after a promise to pay with a date commitment and request for no more calls, multiple calls after being told one per day if they wo n't Cease and Desist, hang up calls after paid, mid documentation and misleading threats. Please stop them. Until my wife lost her job I was never late always lapaying more than due. Explained loss of income and was told to borrow. The HARRASSMENT has to stop or I will be unemployed also. I owe them less than XXXX and have asked for a change of due date so I wo n't be harassed to no avail. Still receiving hang up calls on cell from numbers all over the country when payment has been made during working hours and when I call the number back and end call after hearing who it is they call back constantly until answered. What part of Cease and Desist this is a cell phone you are harassing me I will pay Friday please stop calling until then do not call will be late while wife is unemployed and no I ca n't borrow DO THESE PEOPLE NOT UNDERSTAND? All my other debtors work with me. Will never shop at any of their stores again. No harassment was involved in purchasing. Something has to be done to stop them.
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| 07/09/2015 |
Yes |
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- Unsolicited issuance of credit card
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Web |
Servicemember |
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On XXXX XXXX, 2015 my then girlfriend and I went to a Kay 's outlet store in XXXX to look at potential engagement rings. At that time an employee named XXXX began showing us rings and at first was very helpful, however when we told him we were unsure about how much I could afford to purchase a ring he started telling us he could check and see how much I could be approved for. He started having me fill out forms and had another employee show my girlfriend other rings. He eventually filled out XXXX for my girlfriend and had her sign the same form. We had made it very clear that we did not want to move forward with anything and the whole time he kept reassuring us that this would just be to authorize him to run our credit scores and that nothing would be opened and there would be no commitments or obligations. He knew this was the first store we had gone to and being that he was very open and friendly we trusted him. We left without buying a ring and said we would come back once we figured out finances. XXXX ended up opening XXXX accounts for us. XXXX joint account with my girlfriend XXXX XXXX, and I and XXXX for just myself. We discovered this when the cards came in the mail. I am very displeased with his behavior and conduct. He was VERY deceptive and obviously had every intention of opening these XXXX accounts. He took advantage of us being first time buyers, he fast talked me about him being in the military and distracted my girlfriend with his other associate, showing her other rings. These open accounts have now dropped my credit score, which I have worked extremely hard to improve over the last few years, and have put a hard hit and an open account on my girlfriends. We called customer service today and the rep on the phone said they could close it but there was nothing they could do to delete it from our credit reports. We both received letters notifying us of the same from their customer service department. Per the customer service rep, she stated that us signing the forms, which I now realize were not credit score authorization forms they were credit cards, meant that we authorized him to open credit accounts for us, and they could not be removed from our credit reports. I understand it was my mistake for not reading the fine print, but like I said we trusted him and were caught up in the excitement of looking for engagement rings. It 's very disappointing to see that this guy preyed on first time buyers and the fact that I am a service member which he talked about extensively, and now the customer service is unwilling to help us, standing by the fact that what their employee did was ethical. If I need to file a police report to get this removed from all XXXX credit report with our local police I will, but I 'm hoping you can help get this resolved without having to file one and submit a formal complaint on Kay 's employee conduct. The joint account number is XXXX and the single account for me is XXXX.
|
| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This information reporting on my credit reports has been a problem for years and I am tired of it. This account was opened and closed in XXXX as far I can remember but continued to report as if it were still opened and kept reporting wrong info every time it would update. My report from XX/XX/XXXX shows payments until XX/XX/XXXX with the status update showing XX/XX/XXXX and Balance update as XX/XX/XXXX then all of a sudden my report shows a status update as XX/XX/XXXX and balance update as of XX/XX/XXXX which means they backdated the balance and status updates by one year about one year later on my report from XX/XX/XXXX. The report on XX/XX/XXXX also shows payments till XX/XX/XXXX ( 90 days late ) and stops but previous report shows payments till XX/XX/XXXX and late payments only until XX/XX/XXXX which means they removed one late payment apparently. So far information is very inconsistent and has been. Then my report from XXXX XXXX all of a sudden shows exceptional payment history with no payments nor late payments reporting at all compared to previous report. Then the report on XX/XX/XXXX shows a different account type AND the date opened changes randomly from XX/XX/XXXX to XXXX XXXX which means they cant verify correct info if it is different every time and it is annoying and also no payment history again. My report on XX/XX/XXXX changes to a different account type AGAIN. Finally as of today XX/XX/XXXX my report is all of a sudden showing late payments AGAIN AND the balance update date changes a THIRD time this time from XX/XX/XXXX to XX/XX/XXXX. None of this information is consistent and is constantly changing which means they do not have accurate records and do not know correct info for the account. I did call Kay Jewlers and they stated my account was purged and they are having trouble locating it but when they finally did locate it, they told me over the phone my account was opened XX/XX/XXXX and closed on XX/XX/XXXX??? I was XXXX in XXXX so how in the XXXX could I have possibly opened a credit card account even if I wanted to?? The fact that they said the account was opened in XXXX just goes to show none of my information in their system is accurate and they can not prove accurate info. So why the constant inconsistent reporting of wrong info as well as changing dates on the account and payment history back and forth for the past three years if it was opened and closed in XXXX? I have disputed with the credit bureaus and of course they are no help because they never actually investigate the situation and instead use an automated system to verify info which is not proof of accurate nor verifiable information. They are not allowed to continue to report inaccurate, non verifiable, and inconsistent information so this needs to be deleted immediately from all of the credit bureaus as all credit bureaus are not even reporting the same info. PLEASE DELETE IMMEDIATELY.
|
| 06/30/2015 |
Yes |
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- Unsolicited issuance of credit card
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|
Web |
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On XXXX XXXX, 2015 my then boyfriend and I went to a Kay 's outlet store in XXXX to look at potential engagement rings. At that time an employee named XXXX began began showing us rings and at first was very helpful, however when we told him we were unsure about how my boyfriend could afford to purchase a ring he started telling us he could check and see how much he could be approved for. He started having my boyfriend fill out forms and had another employee show me other rings. Eventually he came to me stating he needed my drivers license, and a few minutes later started asking me about how much I made and where I worked. He filled out half of the form for me and then had me sign at the end. We had made it very clear that we did not want to move forward with anything and the whole time he kept reassuring us that this would just be to authorize him to run our credit scores and that nothing would be opened and there would be no commitments or obligations. He knew this was the first store we had gone to and being that he was very open and friendly we trusted him. We left without buying a ring and said we would come back once we figured out finances. XXXX ended up opening XXXX accounts for us. XXXX joint account with my boyfriend, XXXX XXXX, and I and XXXX for just my boyfriend. We discovered this when the cards came in the mail. I am very displeased with his behavior and conduct. He was VERY deceptive and obviously had every intention of opening accounts. He took advantage of us being first time buyers, he fast talked my boyfriend about him being in the military and distracted me with his other associate, showing me other rings. These open accounts have now dropped my boyfriends credit score, which he has worked extremely hard to improve over the last few years, and have put a hard hit and an open account on mine. We called customer service today and the rep on the phone said they could close it but there was nothing they could do to delete it from our credit reports. Per the customer service rep, she stated that us signing the forms, which I now realize were not credit score authorization forms they were credit cards, meant that we authorized him to open credit accounts for us, and they could not be removed from our credit reports. I understand it was my mistake for not reading the fine print, but like I said we trusted him and were caught up in the excitement of looking for engagement rings. It 's very disappointing to see that this guy preyed on first time buyers and a service member, and now the customer service is unwilling to help us, standing by the fact that what their employee did was ethical. If I need to file a police report to get this removed from my XXXX credit report with our local police I will, but I 'm hoping you can help get this resolved without having to file XXXX and submit a formal complaint on Kays employee conduct.
|
| 12/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I received a voicemail message on XX/XX/21, from an individual named XXXX she stated that she was with the XXXX division, she had my home address, my work address, and the make/model and vin number of my vehicle, she stated that they were attempting to deliver paperwork to me that required my signature. She stated it was very important that they speak to me. They needed me to call them back by end of business that day otherwise they would deem the addresses along with employment information and vehicle information, verified and would issue documentation without my consent. The contact number they left for me to call was XXXX and to reference document XXXX. I did not return the call, as I felt it was a scam.
Also on XX/XX/21 my wife also received a call from the same individual stating they were were trying to get in contact with me, that they needed to deliver paperwork that required a signature.
On XX/XX/21 the same phone number, called my mom, my in-laws, my sister in-law, and my wife 's ex-wife. Telling them to have me call them, they gave them XXXX and reference number XXXX.
After I had received numerous phone calls about this, I called them back. I spoke with XXXX, I asked her the name of the company. She stated that it was XXXX XXXX XXXX XXXX. I asked her why them were calling, she had me verify the last 4 of my SSN, she stated that it was due to a high debt to Kay Jewelers. I explained to her that I had already paid that debt off and I had the documentation to prove it was paid off. At that time I told her to stop calling my family members, friends, and individuals I don't have relationships with. She stated that the documents were delivered to my work address, I asked what date they were delivered, she stated that she didn't know. She put me on hold, then came back and said that it was delivered to the security dept. I explained to her that we did not have a security office in the suite I worked in. She then stated that the system now is showing that the attempt to deliver to my work address status was pending. She could state why it was pending. At that point and time I told her it was a scam, that I had already paid the debt and have documentation to approve so. She stated if this was a scam how would I know your SSN, to which she read off, my work and home address, even my vehicle information. She then stated for me to fax the document over to them, she put me on hold to get the number. When she came back to the phone she stated that she was informed it needed to be mailed in, I asked for an email address to which she responded again that it had to be mailed. I asked for the address, to which she stated, " XXXX XXXX XXXX XXXX. XXXX XXXX CA XXXX. I asked who am I making the letter attention to. She stated to the Compliance Dept. I told her again to stop contacting me, my family, and friends. Then I hung up the phone.
|
| 08/22/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
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Around XX/XX/2018 I was in the XXXX, CT XXXX XXXX XXXX store. I was only going to buy one necklace as a XXXX XXXX gift, but the price was going to be under {$250.00}. I was told I should buy something else because if I spend more than {$250.00} on my XXXX Credit Card it was interest deferred for 6 months. In total I spent {$480.00} on two necklaces.
I specifically asked them, twice, if I paid the bill off within the 6 months if there would be no interest and I was told yes. In fact, they also tried to talk me in to getting a 20 Mens White Gold Curb Chain for {$1200.00} and said that I should do it then because they didnt know if the deferred interest would be available at a later time.
Over the past three payments I have paid them {$150.00}. My balance is currently {$350.00}. I noticed when I made the last payment that so far they have charged me {$28.00} in interest. It's not a lot of money and I'm less upset with the actual money and more with the fact that I was lied to and tricked into using the card. I could have only bought one necklace and paid cash, but I doubled the order based on false information.
I contacted the card company who filed a dispute that I've heard nothing about since. I also contacted their corporate office and the store via XXXX. I received an email back that said that I would have had to spend more than {$500.00} and put down 20 % in order to qualify.
They never mentioned anything about the {$500.00} limit or the 20 % down, which doesnt sound like it would be part of the credit card anyway. It sounds more like if you were to be going through XXXX XXXX, which they offer and I have used before at a different store. They do require 20 % down, it's. no credit check needed and hooked right up to your bank account, and has deferred interest for 6 months. I would have been happy to do it that way if I was told that that was going to be the way I could get 0 % interest. Like I said I didn't need two necklaces and had cash, so the only reason I did it at all was to take advantage of the promotional interest.
When I XXXX XXXX XXXX and the credit card for reviews, I find many other people who have complained about the same exact issue.
I would like to work something out where I can rectify the issue with the store and credit card company, because I really like doing business with them. However, I am now very upset because I was misled into purchasing additional items so the bill would be high enough to qualify for a program that I wasnt even given. I also am in sales at a car dealership, so I understand that being paid on commission makes you want to upset, which I was fine with ... I even was considering getting the {$1200.00} chain for myself, and now am glad I didn't because that would have been charged interest as well.
|
| 01/24/2016 |
Yes |
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Web |
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I made a purchase in XXXX 2015 at Kay Jewelers using my Kay 's credit card. They typically have promotions on large purchases so I asked about the promotions that were available to me for this large purchase. The manager advised that they had the regular 12 months with 0 % interest putting 20 % and they had the 24 month term at 2.09 %. I accepted the 24 month term since 2.09 % is a low rate. The manager agreed that the 24 month was better at a " low rate of 2.09 % '' and even better, I did n't have to make my first payment until XX/XX/XXXX. I asked if I had to give a down payment as I usually do and he said it was n't necessary. When XX/XX/XXXX came around, I logged into my account to check how much the payment was so that I can send the payment. The website said the minimum payment was {$290.00} so I proceeded to send the payment. I have made 4 payments since then but this last time, I was curious as to why my balance was {$5000.00} if my initial purchase was {$5800.00} and I had made {$1200.00} in payments. I logged in online and looked at my last time and to my surprise I was being charged over {$100.00} in interest each month. I quickly called customer service for clarification. The representative verified that I was on the standard 24 month term " at a low 24.99 % ''. I told her that I was told 2.09 % and she quickly responded that it IS 2.09 % a month. I told her that I felt deceived when I was told 2.09 % because interest rates on credit cards are supposed to be disclosed as APR. She said there was nothing they could do. She advised that they could make an exception and if I was willing to put the 20 % down they would give me 0 % and what was left if I were to have done the 12 month term to begin with and that my monthly payment would go up to over {$500.00}. I feel as though they deceived me into thinking that the 2.09 % was the annual rate so I would be comfortable with the payments on a larger purchase than what I initially wanted to make. Had they disclosed the rate properly as 24.99 % APR I would have been able to make a more appropriate decision or made a smaller purchase that would appropriately fit my budget. Now, since I can no longer return the item, I either have to pay over {$2000.00} of interest over the 24 month term or switch to the 12 months and not only have to pay the 20 % which is {$1000.00} and have my monthly payments go over {$500.00}. I feel that their practices are unfair and deceptive to consumers and that they should correct this immediately. I do n't know who in the right mind would say that 24.99 % is a low rate. I believe that they should honor the 2.09 % as the APR since they deceitfully lead me to believe that they were quoting the APR as ALL lenders disclose credit card rates using APR.
|
| 03/19/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I had a credit account with Sterling Jewelers d/b/a Kay Jewelers. Per XX/XX/XXXX Oregon Revised Statute 166.090 sub paragraph 1 ( 1 ) A telephone caller commits the crime of telephonic harassment if the caller intentionally harasses or annoys another person : ( a ) By causing the telephone of the other person to ring, such caller having no communicative purpose ; ( b ) By causing such other person 's telephone to ring, knowing that the caller has been forbidden from so doing by a person exercising lawful authority over the receiving telephone ; or ( c ) By sending to, or leaving at, the other person 's telephone a text message, voice mail or any other message, knowing that the caller has been forbidden from so doing by a person exercising lawful authority over the receiving telephone.
( 2 ) Telephonic harassment is a Class B misdemeanor.
( 3 ) It is an affirmative defense to a charge of violating subsection ( 1 ) of this section that the caller is a debt collector, as defined in ORS 646.639 ( Unlawful collection practices ), who engaged in the conduct proscribed by subsection ( 1 ) of this section while attempting to collect a debt. The affirmative defense created by this subsection does not apply if the debt collector committed the unlawful collection practice described in ORS 646.639 ( Unlawful collection practices ) ( 2 ) ( a ) while engaged in the conduct proscribed by subsection ( 1 ) of this section. [ 1987 c.806 2 ; 1999 c.115 1 ; 2005 c.752 1 ] Between the period of XX/XX/XXXX to XX/XX/XXXX I received over 100 calls from various area codes ranging from Ohio to Hawaii between the hours of XXXX PST to XXXX PST with recorded messages saying please call your jeweler or please call Kay jewelers. There were as many as 6 calls in one day without any messages or with hang ups. On XX/XX/XXXX I called Kay Jewelers asking for their legal departments information and was denied that information. I advised the representative that I felt that I was being bullied by the insane number of spoofed calls and that I wanted to complain. I also told the phone rep that I was going to file a complaint through my attorney generals office as well as the Department of Defense so that military personnel will be warned about Kay 's collection practices. The rep gave me Kay 's corporate address which was the billing address and at that point i ended the call. For the remainder of that day Kay tried to call me and backtrack on my account by saying that i was not in collections. The last person that I spoke to I advised them that I had nothing more to say and I hung up. I then received a series of robocalls with no background sound. 2 days later I received a letter from Kay Jewelers saying that my account has been closed.
|
| 08/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
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|
Web |
Servicemember |
|
I had accounts with Kay and Jared jewelers that were included in a bankruptcy in XX/XX/XXXX. Both creditors filed claims and received some payment. The bankruptcy was later voluntarily dismissed. I received a call from a " courier '' working for the " state '' from a number with no caller ID several weeks ago. The courier needed me to be at home or work at " XXXX with pictured ID to serve legal documents. '' I was referenced to a phone number in NY. When I called this number I was connected to " XXXX '' who told me my account had already been " sent by the lawyers to my state and county '' and I needed to immediately pay the balance of the collection account ( bought from Kay and Jared ) to cease " legal papers. '' In a panic, I paid XXXX and made arrangements to pay the entire balance ( over XXXX ) in 72 hours from my checking account. I was told I would need to sign a document forwarded to me via email to authorize this payment. I received the document, but DID NOT SIGN it as I am unsure as to the application of payments that were made through the trustee. To my surprise, the collection agency ( XXXX or XXXX ) withdrew over XXXX from my checking account without the signed consent. They money was promptly returned to the account by the agency after a fraud report was filed with our bank.
Several days later, " XXXX '' from the collection agency called my husband directly and went through the details of the Jared account. My husband was never an authorized party on this account. It was NOT joint and XXXX had no authorization to discuss my account with anyone else. This is a violation of my privacy. Again, there was a " representative of the state '' who refused to identify themselves who had " legal papers to serve at my home or place of employment at XXXX. '' After these incredible unscrupulous ( if not illegal ) collection actions, I was shocked today to discover XXXX XXXX XXXX had listed these XXXX accounts on my credit report. Both show a date opened of XXXX XXXX with a first reporting of XXXX XXXX. Both of these listings make an old pre-bankruptcy account from XX/XX/XXXX look current. When I called XXXX XXXX XXXX I was told that these accounts belong to them, but were " out sourced '' to XXXX. When I stated the experience with XXXX, a very rude individual stated that XXXX was not the same as the agency that deducted money without authorization or discussed details of my account with someone other than myself. The customer service representative kept saying " if that is true tell me their phone number. '' I am not sure why there are so many different names involved with this account. ( XXXX XXXX, XXXX, XXXX XXXX ). I am also certain that these collection tactics can not be legal
|
| 07/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I went to Jared Jewlers in XXXX Florida with my girlfriend to purchase a engagement ring. We choose a ring that she was extremely excited about. I traded in some diamonds which they gave me a {$2500.00} credit for and asked the Jewler XXXX to remove XXXX halo of the small diamonds and replace them with a halo of sapphires, he advised I would receive a {$200.00} credit for those diamonds. I put down {$3000.00} and was left with a balance of {$10000.00}, when I was reviewing the paperwork it said my payment would be interest free for 19 months at {$340.00} which was in my budget. I picked up the ring a week later and proposed to my now fianc. Approximately a month later I received a monthly bill for {$580.00}. I was shocked and thought there must have been an error. I called the credit card company and they explained that to get some sort of points credit XXXX had set up my credit card account based on {$6500.00} and later after I left the store called the credit card company back and added the additional {$4000.00} which increased my payment from {$340.00} to {$580.00}. I explained that I was told that my payment was going to be {$340.00} and not {$580.00}. I later went to the store and spoke to XXXX in person with my fianc. She was there when he told me that the payment was going to be {$340.00} monthly. XXXX demeanor was quite different, I got the sense that he had done this many times to many customers. I asked him if he could extend the term to make the payment affordable with in my budget and what he had told me it was going to be and what the paperwork said. He told me that there was nothing he could do to change the payment terms. I left and started researching Jared 's on the Internet, I discovered that many others customers of Jareds had similar experiences. It is not only illegal but also unethical to tell people there payment is one amount when it is actually another amount, especially when it is in writing. For an associate to quote one payment amount, put it in writing, and state that is the payment amount but later after the customer leaves the store to call the credit card company and add amounts to their credit card to later increase the payment. This is pure extortion, and against the law. I am hopeful this matter will be resolved amicably. In XX/XX/XXXX, I paid my first payment of {$400.00}, {$56.00} more than the amount that I had agreed to both verbally and in writing. I have received numerous collection calls since I made that payment informing me that I am delinquent and threatened that my credit score would be negatively impacted due to my delinquency. I look forward to hearing back in the near future how we can resolve this issue. Sincerely, XXXX
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| 06/30/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
1. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt.
XXXX Account XXXX : XXXX Please remove it from my credit report.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXXTATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY Thank you for your help in this matter.
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| 05/09/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
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As confirmed by the customer service department of XXXX XXXX, XXXX XXXX and Jared the Galleria of Jewelry XXXX Store failed to provide in a timely manner a mechanism to make payments. After not receiving my card or any method of being able to make a payment, the manager at the local XXXX Jared informed me that it typically takes a long time to receive the XXXX XXXX payment method. My total account was for {$1600.00} Several months later I took a proactive approach by demanding the number from the manager at the Jared the Galleria of Jewelry in XXXX Texas. The XXXX XXXX customer service agent informed me that the steward of the transaction at the local Jared store incorrectly spelled my last name and failed to provide a complete accurate description of my address. Even after I signed that we would use my Drivers License number. Eventually after I was able to clear up my name and address I received a mechanism to make a payment by receiving the credit card and account information in the mail and the ability to activate the card. I made immediately made a large payment of {$1600.00} in XX/XX/2018. This would have left a balance due of {$58.00} due total.
XXXX XXXX erroneously added accrued interest during the time period that XXXX XXXX failed to deliver my information to be able to make a payment through my Jared XXXX Card. The minimum balance due for the next month was stated to be {$100.00} by mid XX/XX/2018. Since this would have paid off my entire account with a fraudulent interest charge I was unable to make the minimum payment. Once again I was burden with the job of fixing the accounting caused by the negligence of Sterling Jewelers Inc., a subsidiary of XXXX XXXX XXXX. During the interim of attempting to fix the accounting with Jared the Galleria and XXXX XXXX more late fees were added to my account and XXXX XXXX falsely reported to the three major credit bureaus that I had missed payments on my account.
I believe that this might be a scheme by XXXX XXXX to turn higher profits for their business partner, XXXX XXXX, by intentionally entering in the wrong information so that one does not have a choice but to pay the late fees and accrued interest while they wait for the mail in credit.
XXXX XXXX and their subsidiary business have a prior issue with in store credit. I believe they are continuing the fraudulent methods but stating that they are a separate entity than XXXX XXXX.
Thank you for your help and investigation so that we can protect future consumers from further financial violations from XXXX XXXX.
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX
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| 07/25/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
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Web |
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On XX/XX/2018, XXXX XXXX Central time, I had walked into a Jared Jewelers [ XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ] to get two watch batteries replaced. During this time, a younger gentleman in his mid XXXX was helping me with my watch battery replacement, and we were chatting about watches. I just discovered my love of watches a few years ago, so I was enjoying discussing different brands and styles. He asked me about future purchases, and I said I don't plan to purchase anything right now but maybe in the future. He then stated they have a payment plan where I could pay " around {$60.00} a month '' if I ever decided to buy anything. Knowing that I wasn't planning on buying anything that night, I said that was good information to know for the future. Upon ringing me up, he handed me an XXXX to fill out basic information such as my address, etc to " see if I qualify for the special he was talking about. '' He also lead me to believe this was necessary to fill out so he could put the two watches on file in their system so I could continue using the watch battery for life promotion they do, and the company would know which watch is which. We continued talking, and by the time I got to the last page of filling out basic information, I realized he had coerced me into signing up for an actual CREDIT CARD. No where in the conversation and interaction was the word card, or credit card ever mention. No mention of APR, no mention of what I was signing up for. It was presented to me as if these steps were necessary to complete my watch battery transaction so my information could go on record and I would be to take advantage of the watch battery for life deal they offer. I have spent YEARS trying to rebuild my credit after having my score tarnished from past student loan issues. I have worked multiple jobs, over 60 hours a week and then some, to make sure my score is being repaired. I have not had a credit card in over 7 years, and I was being very selective of which card to apply for as my first. I couldn't believe that in a blink of an eye, this young man at a jewelry store coerced me into getting " just a credit card '' as he put it. Not only will this card do a hard pull inquiry ( he didn't even know what this term meant ... ) but it seemed like this was no big deal to him. I feel absolutely violated that I let my guard down at a jewelry store. I want everyone to be aware how sneaky these people can be. In a matter of minutes, this XXXX-something individual was able to ruin over 5 years of hard credit repair work with misleading me into signing up for a credit card I absolutely did not want.
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| 07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Sterling Jewelers has now made false statements to the CFPB and myself. They lied and said they 'confirmed no negative account information is being reported to the bureaus. ' That is false. I have proof right here. I have a copy of my XXXX credit report, as of today, that proves the false adverse credit file information is still being reported. This now marks my FOURTH attempt to resolve this issue and I am preparing to file a lawsuit if it does not get corrected within the next 7 business days. I have had it. I am tired of companies thinking they can put whatever they want on my credit report that is completely false, and I am tired of the severely unethical and bias for-profit credit bureaus that allow it and make deceptive statements that the information has been verified as accurate when it absolutely has NOT been. I am not going to tell you again Sterling, get this false information OFF my report and do it NOW. I had a flawless record with your company, you closed my account anyway, and now you are reporting NEW and FALSE information against me that has destroyed my credit score as it is being considered by the bureaus to be 'report of a new bankruptcy ' and I am furious that you lied that no problem exists when I have already proven that it does. Fix it, and stop lying. It is causing me serious duress to have to haggle back and forth about it like its a fish market when I did absolutely nothing wrong to deserve this violation of my consumer rights and defamation in the first place. Take care of it and do not blow me off this time. I mean it. CFPB, do not transfer my complaint somewhere else this time and tell me you do not handle this type of complaint when the evidence is right here that you do because it is featured in all of your drop down menus. It's not my fault there are so many of my creditors, violating my rights with false information, that I have so many open complaints. You should be that much MORE motivated to help me, should you not? I want this addressed. And the fact Sterling made false statements in response to my last complaint, and still ignored my XXXX complaint altogether and said it does not exist. Well I attached a copy right here. So now what? # 1. XXXX information needs to be corrected including removing the false bankruptcy information that is currently being reported see copy of report for proof. # 2. My entire flawless payment history has been deleted from XXXX, that needs to be corrected. # 3. The 'customer disputes after resolution ' indicator needs to be removed from all three bureaus once those issues have been corrected.
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| 02/07/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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XXXX XXXX XXXX has harassed me for about 2 years now. They call from spoofed numbers and leave an " urgent message '' that I need to contact them immediately. These parasites then say things like " have you received your subpoena letter yet of wage garnishment ''? The first small, insecure man talking behind the phone told me they were going to take " everything I had '' and that I was going to " go to jail ''. A month or so ago another very classy lady called saying that they were taking me to court and said " why don't you pay your bills '' and kept repeating it over and over as I was trying to talk like a XXXX year old. Recently I got a call from someone who sounded like her name was XXXX and she acted XXXX XXXX too. She was smacking her gums chewing on some XXXX or something when she called and before every sentence would make a XXXX noise with her lips like she was on Love and Hip Hop or something. I've advised her that I was going to add my friend who is an attorney to the call and she repeated " attorney ''? And smacked her lips one more time. I told her to hold on as I was trying to put the phone on speaker so I can add the call and she goes off asking if I was the attorney. She then hung up as the call was connecting. This so called company has scraped the bottom of the gutter to find these employees. After the first call from there mosquitoes, I've began to record every call from that point on. I literally have recorded verbal evidence of them harassing me, threatening me with fake subpoenas and legal action, telling me they will contact my mother and sister and anyone associated with me in which they have and also disclosed personal financial information to them about me, and much much more. I've asked to be mailed verification of the so called debt that I owe in which they immaturely respond by talking over me and saying " why don't you just pay your bills ''. They call before XXXX and after XXXX. These tactics are in blatant violation of The Fair Debt Collection Practices Act ( FDCPA ) and I have luckily recorded every single call other than the first. I've also filed a police report with the XXXX, MA police department in which I have a copy of. I'm pretty sure they mentioned a debt from like 7 or 8 years ago which was payed off a long time ago. I'm still waiting on this " subpoena '' that they claim they've sent. They misrepresent themselves as legal representatives and threaten me with subpoenas and wage garnishments. They have disclosed my personal info to members of my family and even people who are not related to me.
|
| 03/08/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Getting a credit card
- Card opened as result of identity theft or fraud
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my 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 What do I need you to provide as the debt validation.
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law.
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX..
Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law.
At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 05/11/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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I opened an with Kay Jewelers on XX/XX/XXXX with a limit of {$750.00}. The account was paid off and closed at my request in XXXX of XXXX. On XX/XX/XXXX at approximately XXXX @ XXXX XXXX XXXX in XXXX XXXX South Carolina I went in and opened another account. The manager of that store also told me that I no longer had an account and I would have to re-apply. I reapplied and received a limit this time of {$1000.00}. I spent {$560.00}. XXXX of the {$1000.00}. The first mistake is XXXX never sent me a bill to make my first payment. The second mistake is that I went into the XXXX @ XXXX XXXX in XXXX XXXX Maryland on XX/XX/XXXX and bought {$200.00} dollars worth of jewelry and then got a bill from two different credit card company saying that they were kay jewelers which was XXXX XXXX, and XXXX XXXX XXXX. When calling both companies, I was told that I had to pay them both, but it was impossible because I used the XXXX account # that XXXX XXXX gave. So I disputed, there was no previous XXXX account on my credit report and according to XXXX XXXX, all in store cards were sold, and didn't report and mine was a in store card and a account that had been paid off and closed out before. As soon as I made noise and disputed with both companies, no one knew what I was speaking account so I reported both accounts as fraud. I have no problem paying what I owe but will only pay what I owe. A supervisor from kay jewelers called and let me know that they would start and investigation in to the account andn let me know the account but in the mean time, halt everything, so I haled payments. The other company told me the same thing. XXXX swears this account was opened i XXXX of XXXX, when it was opened in XXXX of XXXX, they are reporting 10 missed payments, and XXXX is reporting 5 missed payments, I never missed anything becuase no one could figure out what was going on, it was XXXX XXXX issue putting me on 2 different accounts, not mine, This issue went on for months, and we finallly resolved it with XXXX XXXX and paid what was past due. But instead of taking the lates off because of the fraud issue as they prmised, they put more on there and decreased my limit to XXXX. My credit is important to me, and these lates are bring my score down drastically because they had 2 finance companies and though no one would figure it out. I need the late pays for both companies taken off of my report please.
|
| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
|
I filed a complaint about this directly with Kay Jewelers and received the below response. After the response the error was corrected however this weekend I notice that it was placed back on my credit report. Please find the original resolution below where the company ( Kay Jewelers ) stated that they will remove the reporting.
STATUS The company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response XX/XX/XXXX Re : CFPB complaint # : XXXX Dear XXXX XXXX XXXX Thank you for your service in the armed forces and for contacting us with your concerns regarding your credit account. We located the account to which you refer and confirmed the name on our account is associated with the name under which you submitted your complaint. We investigated your complaint and found the following : On XX/XX/XXXX, you opened a credit account with our store, Kay Jewelers, and subsequently financed multiple purchases. On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) became the service provider for your account ; they took over reporting your account information to the credit bureaus from this point on. We have no record of a prior inquiry from you the regarding the matter. As part of our investigation, we contacted XXXX who stated the following : Your required minimum payments were due by the XXXX of each month. o They did not receive timely payments in both XXXX and XX/XX/XXXX, and reported the resulting delinquency to the credit bureaus, accordingly. Through XX/XX/XXXX, they received multiple electronic disputes from the credit bureaus, along with letters from you requesting a goodwill adjustment to your credit file, to which they investigated and timely responded. o Regarding your letters ( none of which mentioned a natural disaster situation ), they explained they were unable to accommodate your request as the information they were reporting was accurate and this is against company policy. o However, in response to your complaint, as a customer service due to the situation, they sent a request to the credit bureaus to remove the above delinquency, as requested. o Please allow 30 to 60 days for the update to be reflected on your credit file. Thank you for your long-standing patronage of our company. We are sorry to learn of the difficult situation noted in your complaint but hope the above information clarifies this matter. Sincerely, XXXX XXXX Resolution Specialist
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| 07/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
KAY JEWELERS XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Sectio
n 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i,
all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
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| 01/08/2017 |
Yes |
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Web |
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My wife and I went into a Kay Jewelers Store to purchase our wedding rings XX/XX/2016. We were planning on putting a deposit on the rings to hold it, and then we were planning on putting the rest of the money to purchase it XX/XX/XXXX. When we told the sales representative what we were planning to do, she advised us to just put down XXXX % and to put the rest on my Kay 's credit card. She told me I could pay the rings off in 12 months with interest-free payments. I wanted to be sure I could afford to pay the ring off in a year so I asked how much the payments would be, she informed me the payments would be {$220.00} a month. I told her I did n't have the XXXX %, so she advised me to put the entire amount on the credit card and to come back with the XXXX % before 30 days and they would apply it as the down payment. So, I decided to take this route because I knew the payments would only be this high for a year. So, my wife and I put down XXXX % for the rings, which was a little over {$700.00}, and we started paying the $ XXXX monthly. After a few months of making these payments, I started to notice that the balance was not going down as much as it should 've been and we only had a few months left of payments to pay these rings off. So, I decided to do some research and I realized that I 've been paying interest on these rings since I bought them. I reached out to Kays and explained the situation to them and they basically told me that the sales rep put the XXXX % down as a payment instead of a down payment, and that I was at fault because I should 've been reviewing my statements. They did not try to help me or try to find a solution. I explained to them that a Kay 's sales representative reassured me that my payments were going to be interest-free for 12 months and they gave me the exact amount of my payments. As a consumer, if the payments were the amounts they told me, of course, I would think I 'm paying my rings off interest-free. This is serious because they told me something that was false and they are not taking ownership of a mistake THEY made! I feel so unvalued as a customer and I feel like this is not something that should be taken lightly. On top of that, I am stuck making high payments until this card is paid off. All of this could have been avoided if the representative did n't give me false information.
|
| 08/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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This letter is regarding account # XXXX, which you claim my account has late payments. Please update this account to CURRENT AND PAID on all 3 Credit Bureaus ( XXXX XXXX and XXXX ). I am a XXXX XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
|
| 10/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances.
XXXX XXXX
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| 06/28/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
Servicemember |
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I got a line of credit through kay jewelers on or about XXXX XXXX, XXXX. Purchased items in the amount of {$3400.00}. My account went into collection and sold to another creditor. After joining the military in XXXX I attempted to resolve this matter but they wanted payment in full with interest. I did not have the money and they refused to work with me. I waited for letters of legal action but known ever came. XX/XX/XXXX, I received a call from a gentlemen named XXXX. Did not give me a last name. He told me he was with a company named XXXX XXXX XXXX and want to collect a debt I had acquired with Kay Jewelers. He told me I had to pay the total balance of {$6500.00}. I told him I could not pay that amount. We made an arrangement for {$500.00} down and {$100.00} payments until I can pay it off. I paid {$300.00} and asked for him to take the remaining {$200.00} in XXXX weeks. I did not feel right about it because to give me information about my account and tried to talk me out of speaking to a lawyer. So I canceled my card and did not pay the {$200.00}. He continued to call and threaten me with legal action. I did not respond. A couple days later I received another call from a gentleman named XXXX. Would not give first name. He left me a voice mail stating that my file had been sent up to his department for further legal action. He said he had already contacted my civil affairs officer and his next call will be to my inspecting general and will be issuing me a judgment. I called him back and tried to make some kind of payment arrangement but he said they wanted the money in full. He told me to borrow money from family or who ever. Then he told me to get a hard money loans or credit cards. I was afraid of him contacting my command, so I attempted to get loans and was denied. After telling I could n't get a loan, he got rude and told me I need to figure it out or he is going through with legal action and sending it up my chain of command. He called me childish, said I was not a soldier and all I am doing is playing soldier. Called an adolescent. Said its like robbing a bank. I told him to calm down and to respect my service. He then asked me if my " mommy new I was a playing soldier ''. I just hung up the phone and proceeded to speak with my Judge Advocacy General for guidance.
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| 07/07/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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I have been a customer in good standing with Kay Jewelers for 6+ years. I have never been late on a payment and have earned one of their highest credit limits. In XX/XX/XXXX, I purchased wedding bands from Kay and the balance ended up over {$7000.00}. I have paid {$360.00} every month for the past twelve months and the minimum payment has not gone down. I called today ( XX/XX/XXXX ) to inquire if the minimum payment would ever go down and the lady I spoke with said that it would not, I had 17 more payments of {$360.00}. I verified that it was still a credit card/ revolving account and not an installment loan. She said that was correct. I asked what would happen when I paid the balance down to {$500.00}, what would happen then- she said it 'd still be {$360.00} per month til it 's paid off. She transferred me to her supervisor who repeated the same things. I asked the supervisor what would happen if I bought something else from Kay, she said it would still be the {$360.00}. She offered to lower my payments to {$210.00}, but said that it would remain {$210.00} til it was paid out. She asked what I was trying to do, I told her that I expected my account to be like it had in the past prior to my very large purchase - as the balance went down, my minimum payment went down. I believe I was fooled about the terms of my account and the payment options. I told the supervisor that I can and will pay the {$360.00}, but I should not be required to pay that amount for a set term until payout because that would be an installment loan- requiring a contract I never signed. She insisted that their policies have never changed, all of their credit accounts work this way and they do it for the " good of the customer '' to insure the customers do not pay much in interest. I finally just agreed for them to lower the payment to the {$210.00} and I will try and pay the account out within a few months. However when I went online to set up the payment- it said total due was {$210.00}, minimum payment was {$360.00}. I selected the {$210.00} option and when I went to process it, it showed I 'd have a late fee. I will probably end up paying the {$360.00} to protect my credit, but there should have been a better resolution.
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| 08/04/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Re : Account Number : XXXX Original Creditor : JARED-GALLERIA OF JEWELRY To Whom this may concern : As I have not heard back from you in over 30 days since my formal written notice of dispute, and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine.
For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Your continued silence in this matter is unacceptable. Either provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it to.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
I affirm, under penalty of perjury under the Laws of the Land for these United States of America, that the foregoing is true and correct, to the best of my knowledge and belief, so help me XXXX, pursuant to 28 U.S.C. 1746 ( 1 ). Witness My Hand this XXXX day of XX/XX/2021.
I have copied the XXXX XXXX XXXX FTC & Attorney General of Washington.
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| 08/21/2018 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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last XX/XX/XXXX a collections company called and said they were a collection company trying to settle a debt for a kays jewlers credit card that my husband had. ( I cant remember the name of the company. ) So I set up a payment arrangement with them to pay the bill. I started paying on XX/XX/XXXX for XXXX a month plus a XXXX card fee. I paid XXXX for the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. The last payment was XX/XX/XXXX, for a total of XXXX. The company told me it would be under XXXX XXXX when I received my bank statement every month. I didn't think anything about it at the time, they told me it was a sub company that collected the money for them. they also told me that when it was paid it would come off my husbands collections. So when it was paid I thought everything was fine. But come to find out it never got reported as being paid and never came off. In XX/XX/XXXX another collections company called to talk to my husband about a collection matter to do with XXXX XXXX. they called a couple times and finally I told them I was his wife and they told me exactly why they were calling. to collect a debt for a XXXX XXXX credit card account. this time though they told me he had started paying for it back in XX/XX/XXXX and then stopped, which was true. I told them I had already paid that debt off last year to a collections company, but it didn't matter, they told me it was not them I had paid and they had the account, so it was still owed. so I asked them what to do then because I had already paid over XXXX for this debt.. so they looked into because i told them the companies name and they told me the cfpb had closed them down because they were a fraudulent company. I tried calling XXXX XXXX getting no answer. so I called XXXX main office and they told me they only deal with national credit adjusters and told me a few questions to ask them to make sure it was the right company that only they would know the answer to. so I did and they did so now im paying the right company. So XXXX XXXX is a fraudulent company that pretended to be an actual collection company and took XXXX from my husband and I, for a collection account they didn't have.
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| 09/11/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XX/XX/XXXX my credit was good, with 20+ thousand dollars I was struggling but making timely payments for a long time. Then I get this letter from XXXX XXXX XXXX, I called their number, they tell me that they can slash the Debt in half, that they know the credit language and they they know how to talk to my creditors, they I should not fear anymore, that my credit would drop a little but that it would go back up in six months. I couldnt believe it! But what really happened was that they let all my accounts default and eventually making me lose all of my accounts that were in good standing since the beginning, they scammed me, they didnt tell me the truth. Later I was filled with collections all over the place, they advised not to talk to my creditors, after a year and a half I saw they were not getting anywhere with my debts I started making settlements with my debtors myself. At the same time I was paying XXXX XXXX XXXX to pay the people they had already settled with, at the last I was Almost finishing an account to finally graduate from the program. It was a Sterling Inc. account number : XXXX, XXXX made an agreement with the collection company by the name XXXX XXXX. The agreement was payments totaling {$1500.00}. Just as I was about to make a final payments in XXXX they drop me out of the program, I called XXXX XXXX, they tell me they have no jurisdiction over the account anymore, they gave me a number to a company by the name XXXX, I get in contact with XXXX and they tell me that the payment bounced, that thats why. But that was inconsistent because my account had sufficient funds ( {$510.00} ) they had taken the payment and put back into my account to default the settlement, they balance was {$2400.00}, when they returned the money it went back to {$2500.00}. Incidentally that was the same company that sent me letters claiming that I owe them money in the middle of XX/XX/XXXX, I found the letter suspicious, in the letter I had to dispute the Debt, I looked online how to do it and sent them a dispute letter in XX/XX/XXXX, theyve been selling this account all over the place to make me pay it, and Ive paid more than enough with all their tricks.
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| 09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
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| 03/05/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
Servicemember |
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I made an into APR purchase on the XXXX XXXX credit card they offered me on XX/XX/XXXX of {$2100.00}. I was offered 12 months interest free on this amount. Due to a sizing issue I had to return the original purchase and make the same purchase just for a smaller size. The representative I worked with assured me that nothing would change on my billing, this was done on XX/XX/XXXX. As of XX/XX/XXXX I was charged my first interest fee on my card. I was unable to at the time check my online account because XXXX XXXX was in the process of switching lendor institutions therefore for about 5 months XX/XX/XXXX-XX/XX/XXXX I was unable to view my account online because XXXX had not sent me my new card information in the mail and would not tell me my information over the phone even though I provided my correct credentials. I called on three different occasions to try to get information about when I might receive my card in the mail, they said it should already be there, I had to request they send it out three different times. Every time I called I also tried to get my account information over the phone and they said they could not provide anything or let me make a payment. Unable to log in online I was also unable to pay my balance due to this for about 3 months XX/XX/XXXX-XX/XX/XXXX they ended up calling to collect my payments missed and owed on XX/XX/17 I then paid {$300.00} for the missed months due to being unable to access anything about my account. I now have the new card and have set up my online account again and am now seeing multiple interest charges each month I make payments and am very upset that I am being charged these due to no fault of mine in missing the payments. As well as apparently my intro APR purchase has seemed to have been cancelled and they are just charging me a regular amount with APR and everything this also due to no fault of mine and assurance that nothing would change on my bill. To date I have been charged over {$260.00} in interest and see no end as they are charging me twice each month I pay my principal charge.
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| 04/04/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
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Web |
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I purchased 2 watches as gifts from the XXXX mall location in Wisconsin of XXXX 's on XX/XX/XXXX. My purchase total was {$690.00}. Since I already have a Sterling Credit Card I knew that purchases over {$500.00} were qualified to be interest free for 6 months. I confirmed with the gentleman that I made the purchase from that this was correct and he agreed.
I then had to take back one of the watches because my stepdad didn't like the style and wanted to pick something different. We exchanged one watch on XX/XX/XXXX for a different one. I did get a {$76.00} credit into my account since the new watch I purchased didn't cost as much as the first one. This would still leave me with a {$610.00} purchase- still should have been qualified for no interest.
To my surprise I was charged with my first finance charge of {$12.00} on XX/XX/XXXX. I then emailed the company ( an option when you are logged into your account online ) on XX/XX/XXXX and asked why I was being charged interest. I received an answer on XX/XX/XXXX from XXXX XXXX stating that the promotional plan I was interested in requires a 20 % down payment at the time of purchase so I wasn't eligible.
My response on XX/XX/XXXX to that was that I was not informed at the time of purchase that I was required to make a down payment or I would have done so. I then asked for the situation to be handled or I would be filing a formal complaint. That response was : a very general : XXXX XXXX issues your account and responds to all credit related inquires on XX/XX/XXXX. This infuriated me. I had to actually wait to calm down about this situation before I filed the complaint. I work in customer relations at a bank and would never blow off a customer that states they will file a formal complaint. I deal with them everyday and make sure that whatever they ask for is handled. For me to get treated like this when the shoe is on the other foot is a slap in the face.
I thought I would wait one month to see if I'm still being charged interest and sure enough I am.
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| 02/18/2018 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Past due 120 days Status Updated XX/XX/XXXX Balance {$2600.00} Balance Updated XX/XX/XXXX Credit Limit {$2400.00} Monthly Payment {$120.00} Past Due Amount {$550.00} Highest Balance {$2600.00} Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-grantor request-reported by subscriber XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Dear Sir or Madam/To Whom It May Concern, On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency never sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect.
This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).
Please reply within 15 days or delete the negative items, as originally requested.
Below are the items that do not belong to me that you continue to report illegally.
1. XXXX XXXX Account # XXXX Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
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| 03/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XXXX of XXXX I was contacted by XXXX XXXX XXXX to settle a Kay Jeweler credit card account. I was advised I could make a pay agreement and when the account is paid in full it would be removed from all credit reporting agencies. The account was paid and settled in XX/XX/XXXX. It is still reporting on my credit report. I have disputed this many times as paid and it keeps coming back verified and never paid. I connected XXXX XXXX solutions in XX/XX/XXXX ( XXXX ) advised would follow up with all 3 reporting agencies to have this removed. Then I was emailed another letter confirming debt was paid for my records. The following month in early XXXX still reporting on my credit report. I called all 3 reporting agencies filed another dispute gave them contact information ( name and phone number of direct person to contact ) sent them the PAID letter. On XX/XX/XXXX another letter from reporting agencies stating this is verified as accurate and it has not been paid. Another call ( XX/XX/XXXX ) to XXXX XXXX XXXX ( XXXX ) spoke with " supervisor XXXX '' advised he is not sure as to why its reporting not being paid all his records show account is paid and it has correct account number listed. " XXXX '' then gave me the number to his " client to call and see if they have been contacted regarding any disputes. And they will contact reporting agencies to have it removed. Number given to me by " XXXX '' XXXX XXXX XXXX XXXX. Called XXXX XXXX XXXX and was not able to speak with anyone using the website on their voice-mail obtained number XXXX. Same message on previous line they are busy and call another day or go to website www.diversefunfing.com and someone will get back with me. Did not see were I am able to leave message to dispute a problem on website. This has been reporting incorrect on my credit for 2yrs. Contact anyone and having paid letter is getting me nowhere. I am moving in XX/XX/XXXX and I want this removed to assist in boosting my credit for a home purchase.
XXXX
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| 12/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have conta
cted Jared on multiple occasions in order to get this erroneous entry removed from my credit report. I have disputed this item various times and I have reached out to Jared 's various times, but the item still remain on my credit file to this day. I have tried to settle this account over the phone and in writing several times directly with Jared 's. I even reached out to the collection agency to dispute, they could not provide proof so they removed the entry from my credit report and referred me back to Jared 's. When I call Jared 's I am told that they can not find the account. ( see attachment ) per FCRA Section 623 ( a ) ( 1 ) ( C ) this account is inaccurate and should be removed. Jared 's is in violation of the following polices : Re aging of debt - prevent r
e-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; - The amounts, and the dates are incorrect. I have asked for verification/validation per FCRA guidelines, over the phone and per email. Each time Jared 's never provided the information, which is in direct violation of FCRA. By law Jared has 30 days to provide this information, or it is to be removed from my credit file.
Account - XXXX Date opened - XX/XX/XXXX Balance updated - XX/XX/XXXX Credit limit - {$310.00} But it shows a payment was received in XXXX of XXXX. All of this information is not correct.
I reached out to XXXX XXXX about this situation and it was supposed to be handled, he never got back to me ( see attached email ) Jared 's must furnish only the correct information to the CRA. FCRA 623 ( a ) ( 2 ) ( B ) No dispute status - Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. FCRA 623 ( a ) ( 3 ) - No dispute was raised with any CRA when I disputed these items.
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| 06/06/2015 |
Yes |
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Web |
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Prior to my monthly payment due date, I contacted the creditor to set up a payment to come out of my banking account on the due date.A few weeks after the due dates, I was receiving several calls from an unknown numbers and also several messages were left with my co workers at work regarding past due payment which was very embarrassing and put my job at risk. I contacted the creditor and informed them that a payment was scheduled and to, perhaps, be patient until it 'd go through and also to not ever call my job.After coming back from a 3 week vacation, I was told by co workers that this creditor had been calling everyday regarding my account being past due and which resulted in a verbal warning from my manager. I then noticed that the payment had never come out of my banking account. After contacting the creditor again, it was determined that XXXX of the digits from my banking account was missing prompting to the payment not going through.Correction was made on the phone and, afraid that this may occur again, I decided to pay off the remaining balance while I was on the phone with the agent. Several months later, I noticed that account was being reported closed by consumer request and also a late payment on my credit reports which really affected my credit score. Given all the harassments received from the creditor because of a late payment that was not my fault, I decided to dispute the reporting on my credit files. The creditor declined to remove the late payment as well as removing the comment " closed by consumer request '' because I never requested to close the account. I then decided to contact the creditor directly by mail and requested to remove the late payment.The creditor informed me that they have conducted an investigation and that there have no mistake, therefore declined to remove the late payment from my credit files. I then challenged the creditor to go back and review all prior phone conversations and my request was also declined.
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| 07/10/2015 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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In XXXX I opened a Kay Jewelers Account to finance wedding rings. I fell behind in payments and made arrangements through Kay to auto-deduct {$35.00} every two weeks from my bank account. The deductions continued for a little over a year and stopped ; not by any act of my own so I assumed the debt was paid. I was contacted approximately 6 months after the last deduction by Kay who stated I owed approximately {$600.00}. I told them I disputed the debt and continued to receive notices and phone calls for another month ; all of this occurred from XXXX to XXXX or XXXX. I then received a phone call in XXXX of XXXX from an associate from XXXX XXXX XXXX who stated they were collecting the debt on behalf of Kay and said I owed {$1300.00} and then went on to say that if my employer ( Sheriff 's Office ) had to collect the debt it would be embarrassing. I spoke with the associate at length describing what had occurred and she did confirm that the account showed that the auto withdrawals had ceased for an unknown reason. She stated that her firm would settle the debt for {$600.00} so even though I disputed the debt I wanted to clear it up so I agreed and paid the aforementioned amount with the last payment occurring on XXXX XXXX, XXXX. ( I have XXXX emails confirming this as well as confirming that the debt would be deleted from my credit file ). On XXXX XXXX, XXXX, I received a phone call from an associate from XXXX XXXX XXXX who stated they were collecting a debt on behalf of Kay Jewelers for over {$1000.00}. I tried to be as courteous as I could but did tell them that the debt had been paid through XXXX XXXX XXXX. They requested for me to send them proof but I declined and told them I was not paying anymore money and hung up. Approximately an hour after the first phone call XXXX XXXX XXXX called me again trying to collect the debt at which point I explained to them again, less courteous this time, that I would not pay anymore money.
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| 08/19/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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My husband purchased a ring for me on XXXX XXXX for my birthday. After a few days of thinking about it we XXXX decided we did not care for the band very much. So we went into Jared again on XXXX XXXX, we looked and found another band and paid more money for the different ring. They said they were able to exchange the whole item no problem. Then on XXXX XXXX, I went into the store and explained to them that we no longer wanted the ring we purchased and would like to return the item and keep our line of credit but return the item. The employee when we made our first exchange never explained to us that the diamond had 30 days to return and we assumed that that was from XXXX XXXX and they said it was from XXXX XXXX so we had passed the date by 2 days. We were never told that information until XXXX XXXX when we decided to wait on the purchase and buy at a later time. We contacted customer service on XXXX XXXX and explained the situation and when they pulled up the transactions not all the number even added up to her. They were off and she was even confused and had to ask another worker to help her figure out the situation. After speaking with her she said there was nothing they could do to help us return the entire purchase. So we decided to call the jewelry store today and say you know what go ahead and give us our ring and diamond back we will just keep it and forget we ever returned it. The employee said no problem and said it would be ready in a few hours. All of a sudden my husband receives a phone call that now we need to pay Jared another {$200.00} in order to pick up the ring again. Which makes no sense at all if no changes were made to it at all we are just picking up our merchandise again. We feel so taken advantage of by this jewelry store they have not explained things correctly several times and all their number from the transactions see To be off and now they are asking for more and more money which makes no sense.
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| 01/30/2017 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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Recently I acquired a Kay Credit Card. I set up auto pay. It all went smoothly except what would have been the last payment, on their system, archaic, did not process what should have been my last payment. I had set up the payment system to pay off in a certain period, so the payment was more the minimum payment. My payment was set for {$150.00}. The last payment came to {$88.00}, so my set auto payment of {$150.00} was in excess. So instead of the system being smart enough to apply an if-then situation as such as IF greater than {$150.00} is owed, only pay {$150.00}, it handled well. But in this case, it should have been IF what is owed is less than the scheduled payment, then only apply what is owed, in this case {$88.00}. So what happens is I think I 'm all set I have auto payments set up so no way am I going to miss a payment. However much to my dismay, no payment is taken even though I have authorized and requested for a payment to be taken, thus making my payment late. The call center does not identify as Kay Jewelers, it actually sounds like a spam call. it states " Your jeweler is calling you '', I 'm thinking I did n't contact a jeweler this is a spam call. It should say Kay Jewelers is calling you because of a credit card issue. It needs to be clear. If I had not thought to look up the phone number after the second call, my account would have went in to default, when it should have been paid off in full. To me this is very dishonest practice, it enables this company to be able to charge me a late fee and increase my interest rate. If they report this late payment to my credit, then I get a ding on my credit report, all because they have a system set up that is incapable of processing a last payment amount that is less than an auto payment. To me this is an illegal process that is trying to cause me to incur more fees. I set up my auto pay to run until the account was paid off and it should have done that.
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| 10/07/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I got a credit card with XXXX XXXX XXXX in XX/XX/XXXX. I am not sure when they sold it to a collection agency since it's XXXX and they told me XXXX representatives are the same as XXXX. When I called to square up the account they told me '' In XX/XX/XXXX I could pay to remove any negative information on my reports ''. I asked them how much they told me {$210.00}. I paid it and as they said my account became current and I had a perfect payment history on my credit reports. So I refinanced my car loan and got a credit card with XXXX. So in XX/XX/XXXX I had a XXXX credit score Fico XXXX. XXXX XXXX reporting 0 missed payments. Then my score drops 130 points in XX/XX/XXXX with negative XXXX XXXX info. Then jumped back up to XXXX showing again perfect payment history before dropping to XXXX in XX/XX/XXXX when the collection and failure to pay showed up for the month of XX/XX/XXXX.
First of all the account was paid off in XX/XX/XXXX and in XX/XX/XXXX reported this way, so how I failed to pay in XX/XX/XXXX is not understood.
It now shows paid in settlement for less than the full balance/ charge off collection/ Depending on the time and which report I look at I get changing information and Impossible information, such as a 60 days late the month after a 60 days late.
I wish someone could clean up the mess of a company they are.
I was in good standing with my credit union getting the best pre approvals and app. Now I can't even get a credit card or increase.
I wouldn't have put myself in debt if I knew my credit information could report different inaccurate information. At different times..
So much more to explain how they took advantage of me and said '' good luck in court '' All 's I asked was can we hear the recorded agreement of the pay to remove. Wich I made sure to ask if the conversation was being recorded, so I was told to get a lawyer. Please help
|
| 04/25/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
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I went on to Kay Jewelers website on XX/XX/2017 and applied for credit was approved for {$1500.00} with a 20 % down payment. As, I was looking for an item I called the customer service number ad spoke with a representative who told me that the only store that carried the item was there sister compan y Jared Galleria ( whi ch I did not know at this point they were affiliated ). I asked the rep if I could u se my Kay 's store credit at Jared 's she told me no that I have to open a separate account and I had to go onto Jared 's website and apply. I w ent to Jared 's web site applied for credit with a limit of {$1500.00} and 20 % down payment, which I was fine with. I made a purchase and within a few weeks the credit bureau reported that I had a XXXX credit line and {$0.00} balance with Kay 's and a {$1100.00} credit line and {$580.00} balance with Jared 's. Which is not correct according to the terms and conditions that were sent to me with the XXXX separate cards and XXXX separate account numbers. This error causes my credit ratio to show higher due to them lowering my original credit limit between to the XXXX accounts. I was not told that the XXXX accounts were linked or were going to be linked. I contacted the Credit Bureau and disputed this information with them and it is still under investigation, I then calle d Kay ' s on XX/XX/2017 and was told that the accounts were linked and they are sorry that they did not disclose that information to me or any of there customers. I asked if this could be resolved to reflect the correct credit limits on my credit report and she told me no there was nothing she could do.I did not see how this can be right to the consumer.Although they state the credit amount may be reduced they then turn around and tell you you ca n't use the credit with their sister companies. I feel as they they are misleading.
|
| 12/05/2016 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
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Due to a job loss Kays placed my account in a special status which reduced my payments for an extended period of time beginning in XXXX. Kays failed to send me any notification that the reduced payment plan ended after XXXX to four months and because of this I was paying the reduced amount of {$90.00} a month instead of {$130.00}. I observed that my payment due was increasing and reached out to Kays in regards to this issue and at that time I was informed that my payment plan had stopped. I requested an extension on my payment plan at which time I was mailed my unemployment insurance forms that were associated with my Kays account and was instructed to mail them back in. I returned the forms and continued to make my Kays payments, but heard nothing back from Kay in regards to my insurance on my account. I continued to pay my account but was continuously receiving phones every hour about my Kays account and my balance due. I spoke with a rep about the calls and she informed me that the calls were on an auto-dialer and that she would remove me from the auto-dialer service but I may still get contacted about my account. I continued to make my payment utilizing the Kays website and in XXXX sent my payment for {$130.00}. Apparently my payment was returned because I entered the wrong account information, but I was never informed by Kays. Instead Kays reported me 30 days past due. I contacted Kays on XXXX XXXX, 2016 in regards to this and I was informed that I was placed on a do not call list by accident. My name was removed from the list. Because of the error Kays agreed to lower my payment and stated that they would adjust my credit report for the month of XXXX but I would have to file a dispute with the credit bureaus which I did. Kays failed to remove the 30 day late mark and instead just updated the balance due and the payment due on the account.
|
| 08/22/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
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On XX/XX/XXXX XXXX, I received a phone call from XXXX XXXX with XXXX XXXX with a phone number listed as unavailable. She informed me that I was being served for a civil matter and asked if I was home. I told her I was not home and that I was at work. She then gave me the phone number ( XXXX ) XXXX to call for any questions and that she was only needing to verify my employment and if I was home. She then disconnected the call without being provided any of my employment information. At XXXX on XX/XX/XXXX I called the number provided by XXXX . XXXX XXXX XXXX answered and informed me that I was being served papers for a debt from XXXX XXXX from XX/XX/XXXX. He said that a letter was sent to a home on XXXX XXXX . He then asked if I would like to resolve the debt. I told him I have never received any information about this and would like to provide him my current address. He then told me I would have my day in court and then disconnected the call. After speaking to both XXXX and XXXX and confirming my contact information was updated with them they proceeded to contact my husband, mother in law, Father in law and my employer. My family was told that they were being contacted because I could not be reached. My husband 's parents, who are also his employers and my employer were also told that My husband and I were both being served with legal paper to our work places. The phone call to my father in law was around XXXX and the phone call to my mother was at XXXX. The email I received from my employer came at XXXX. At this time I consider the numerous phone calls, unnecessary, harassing and humiliating. These collection tactics are also placing my employment at jeopardy as these types of persona financial calls are not allowed on the company phone. I have attempted to call the number back and there is no answer. I am asking that this stop immediately.
|
| 09/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX reported a charged off account to the credit bureaus in the amount of {$300.00}. I do not recognize this debt as my debt. As an XXXX XXXX servicemember in the XXXX XXXX, I have access to military financial counselors to assist in financial matters. Steps I have taken to resolve this issue are as follows : ( 1 ) On XX/XX/2018 I met with a military financial counselor regarding this XXXX XXXX account.
( 2 ) OnXX/XX/2018, together with the financial counselor, I called XXXX XXXX and asked about this alleged debt. The representative at XXXX XXXX was unable to locate an account under my name and social security number. He suggested that the account might be with either : ( a ) XXXX XXXX at XXXX or ( b ) XXXX at XXXX.
( 3 ) On XX/XX/2018, together with the financial counselor, I called XXXX XXXX at XXXX and they could not find an account under my name and social security number.
( 4 ) On XX/XX/2018, together with the financial counselor, I called XXXX at XXXX and they could not find an account under my name and social security number. The XXXX representative spent considerable time trying to locate an account yet was unable to find an account.
( 5 ) I completed a dispute request with XXXX regarding XXXX XXXX ( document 5 attached ) and mailed it to XXXX.
( 6 ) XXXX mailed a response to my dispute on XX/XX/2018. It stated that there are no accounts from XXXX and XXXX on my credit report and listed XXXX XXXX as contact information for this dispute. ( document 6 attached ).
( 7 ) XXXX XXXX response dated XX/XX/2018 also reports that the XXXX XXXX as " account transferred or sold ''. It states that the account was " sold to '' " XXXX ''. ( document 7 attached ).
How can XXXX XXXX sell an account that it couldn't locate? I have never heard of XXXX before. Three documents are attached verifying the above.
|
| 10/22/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
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My mother in law received a phone call on Tuesday XXXX XXXX, 2015 at XXXX XXXX EST from phone # XXXX. A voice mail was left with the following message : " This important call is intended for [ My name here ] Social Security # ending in [ last XXXX digits of my Social Security # here ]. Uh, this is XXXX XXXX [ break in voice and partially unintelligible ] on behalf of XXXX XXXX regarding a file that was placed here in my office by my client [ break in voice and unintelligible ] productions to expedite paperwork to our necessary parties. If you can, uh, correspond as the subject relates to this matter. Now I do want you to know that I have placed a XXXX hour legal hold on the file to allow you enough time to return my call. Now, if I do n't hear from you within that XXXX hours, unfortunately you will be looking at the worst possible scenario as to relates to the closure of this matter and the final recommendation will have to be made without [ break in voice and partially unintelligible ] input. Uh, and in most cases, without your input, those decisions do not weigh in your favor. So, it would be in your best interest, uh, to return my call to XXXX. Once again, I can be reached at XXXX. Thank you. '' Their company website is found at XXXX Their contact information is given as follows : XXXX
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX XXXX Telephone : XXXX Facsimile : XXXX Other addresses for XXXX XXXX XXXX include : XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX, California XXXX Firstly, I have never given this company or this person prior express consent.
Second, they threatened legal action in an attempt to intimidate in a call to the cell phone of my mother in law.
Thirdly, they disclosed the last XXXX digits of my social security # in a voice mail in a call placed to my mother in law.
|
| 11/16/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
NOT RESOLVED 1.0 Details When I financed my purchase for a bridal set they said my payment would be {$98.00} a month with the new credit promotion they were offering. When I went to pay my bill the following month the minimum payment due was upwards of {$200.00} a month.
I went to the store to correct it and spent 3 hours trying to get the issue resolved. They said that the item was submitted incorrectly and they need to re-ring it under the right payment plan. However, because the payment was due I had to make it even though it was an incorrect amount otherwise I would be charged late payment fees. I refused to pay the higher amount.
They also told me that I wouldn't qualify for lower monthly payments unless the amount charged to my credit card was at least {$3000.00}. They had to take off the sale price and certificates used on my original purchase so i could qualify for a payment I could actually afford. They also stated that the lowest minimum payment I would qualify for was {$110.00} a month, rather than the {$98.00} that was previously agreed upon. I reluctantly agreed.
It's been 2 months now and the issue was never resolved. My payments have never been correct and I have been spent countless hours on the phone and in the store trying to fix this mess. Currently my payment shows {$220.00} a month and I've been charged a total of {$750.00} in monthly payment fees and late charges. I've now been reported to collections and this account is showing deliquent on my XXXX and XXXX XXXX credit report.
The associates at the store say they can't help me and I need to talk to Kay Customer Service.
Customer Service says they can't help me and I need to talk to the financial institution.
XXXX XXXX says they can't help me and I need to have it corrected in the store.
|
| 11/17/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
XXXX XXXX/XXXX XXXX failed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/20157, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, XXXX XXXX/XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of CA allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX/XXXX failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
I attached a copy of the law and the actual document from the federal reserve XXXX XXXX/XXXX is held liable as well for defamation and in the state of CA a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX XXXX XXXX )
|
| 06/29/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
My Payment to Jared Galleria of Jewlery is due on or around the XXXX of each month. My husband and I both have accounts. I pay the payments online each month on or before the due date. Last month, the payment for my husbands account never cleared our bank when I expected it to. I called when I realized and they told me that the payment never cleared but that they could do the payment over the phone free of charge and would adjust my credit bureau from showing past due. I am meticulous about paying our bills and thought maybe I had just not hit the submit button. HOWEVER, today, I looked at my Jared account because my payment had n't cleared yet that I made on X/XX/17. When I pull up my account online it shows that I have a past due balance. Because of what happened with my husbands account last month, this month, I have been recording the confirmation numbers each time I make a payment on any of our credit card accounts to make sure I was n't making the error. When I called today, the CS person, XXXX, advised that they have been having system issues where they payments are not actually going through even though customers have a confirmation number. My concern is that at no time was I ever notified that there was an issue and Jared has not yet disabled their online payment system so there are likely other customers who are being charged late fees, having credit impacted, losing credit insurance protection etc. from having " late '' payments that are solely attributed to Jared 's online payment system not working correctly. XXXX told me that until further notice, we should call in and make payments over the phone. How are other customer 's supposed to know to do that if there has been no announcement or communication to customers?
|
| 04/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
Before I was Hospitalized, I purchased some jewelry Kay Jewelers/Genesis. The attendant explain that they have a out of work policy for a extra $ 35 monthly if you are unable to work. I purchased it. I Then by doctors order, I had to go in the hospital for my XXXX XXXX XXXX XXXX XXXX. Then affection set in, and had to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I then contacted the company, and they told me they do not handle that. They said a company called XXXX handles claims for them. After getting my doctor that was having me to stay in the hospital at Washington XXXX XXXX to fill out the paper work they sent me for a couple of months, now say they would no longer handle the claims anymore. I had to contact the new company named XXXX XXXX, out of Florida. During all the digging to get in touch with the new claim people, I was never informed from Kay Jeweler about dealing with third party company 's. Giving me that information when I made my purchase, or helped a paying customer with the transformation of companies, maybe the would have got the payment from the companies on the payment date. The put late payments on my credit report with all three credit companies. I'm trying to get in a ready set up, XXXX house, and the lender says this has to come off to move forward. I'm asking XXXX to please have this removed, because this is Deception the did to me.I contact them and ask for the origanal copy for what I purchased, and they sent me something saying they only pay up to {$5000.00}, and I was over, and they will not be paying anymore. If I was told all this at the beginning, maybe I would have not signed up. If no action is taken into removing this from my report, Being XXXX, I'm offered many different lawyers. I'm not going away..
|
| 12/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
- UNITED STATES MINOR OUTLYING ISLANDS
- 21113
|
Web |
|
|
In XXXX of XXXX, I opened an account with Jared. In XXXX of XXXX, I faced significant financial hardship and realized I would not be able to independently manage my debts. I contacted XXXX XXXX XXXX ( XXXX ) to help manage certain accounts that I feared I may not be able to manage independently, which included the Jared account. In XXXX of XXXX, XXXX contacted Jared directly and advised that they would be managing the account and presented Jared with a Power of Attorney letter executed by myself. In XXXX of XXXX, Jared verbally agreed to enter into a settlement agreement with me for 3 payments to be sent in XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. As such, XXXX issued the first payment to Jared in XXXX of XXXX. However, Jared took exceptional lengthy time to execute and return the final agreement ; and subsequently, changed the final written agreement to accept payments in XX/XX/XXXX, XX/XX/XXXX, and XXXX of XXXX. This was after the first payment was issued in XXXX of XXXX per the verbal agreement. Therefore, the second payment was issued by XXXX in accordance with executed final settlement agreement. To date, the company continues to report this account as having late payments from XXXX of XXXX through XXXX of XXXX, for a total of 6 late payments, in spite of the settlement negotiations commencing in XX/XX/XXXX and the initiation of payments in accordance with the agreed upon settlement in XXXX of XXXX.
I spoke with Jared at length on XXXX XX/XX/XXXX, and Jared refused to acknowledge any part of the settlement agreement reached with XXXX and refused to remove the negative reporting from XXXX, which is inconsistent with the legally binding verbal agreement and final written agreement entered into with the Jared.
|
| 07/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
This call came from XXXX and XXXX .When you call they only say " Corporate Office, how may I help you '' they do n't say the name of the company.
I spoke to two gentlemen : XXXX XXXX and XXXX XXXX Before my husband and I were married he accrued a debt to Kay 's Jeweler 's for a small unpaid balance. Year later, we are contacted by a debt collection agency asking for money owed. We asked them not to call, ( they were calling my phone too ), and sent them a written letter asking them to stop calling and to also not call me or his job because we had asked them not too. After the letter was sent, we had a debt collector still contact us and yell on the phone that he was coming to get the money that was owed to them and he was going to send the police to our home.
Fast forward to 2 years now, I received a call on my job and they asked to speak to the Human resources department ( whose desk is next to mine ) they told her that they were coming to serve me papers, and told her I had a debt with Kay Jewelers. She was rattled and gave me the contact information to contact them back. I called them back and they told me that they were going to serve me papers on my job and then start garnishing my check because Kay Jewelers planned to sue me. I informed them that this was pre-marital debt and this had nothing to do with me. The gentlemen informed me that he did n't care and the debt still had to be paid or they were going to serve me papers on my job and sue me.
I spoke with a legal friend and was advised that this was premarital debt and they should not be contacting me, but my husband, and I was also informed that if I had written them a no contact letter then they should not be contacting me nor my employer.
|
| 03/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
My husband is in the military and in and out of the field. When he bought my wedding ring in XX/XX/XXXX XXXX XXXX stated he had a year until he had to make a first payment, he put $ XXXX down and had $ XXXX left to pay. We never received notices, emails or calls about " late payments. '' I called end of XXXX because I noticed they had my name completely incorrect and his name backwards. It wasn't until we started working with the VA home loans that they told us about what XXXX had put on our credit. As stated before my husband is in and out of the field. It took me months to be able to call on his behalf then they said I could only make payments not talk to someone in detail. Once again working with the VA I called XXXX XXXX AGAIN each time a month apart. They are reporting you past due every month and that they are showing an amount past due I asked why is it showing late when they told us he had a year to pay and why they haven't notified us of any late payments. They had his phone number wrong! I paid {$300.00} that day and asked to set up monthly payments. Fast forward to XX/XX/XXXX, VA is still saying XXXX has it as " late payments ''. So I call, they say the account is now closed and if I don't pay {$290.00} today its going to collections. I was outraged and said how I set up monthly payments and just paid {$300.00} and she informed me that no monthly payments were set up. I paid the {$290.00} and once again set up monthly payments. Our tax return came XX/XX/XXXX and I paid off the rest of the card, yet still have derogatory remarks on our credit report. I also kept stating how it wouldn't let us create an online account for me to be able to see all of this and track it and they had no explanation.
|
| 09/05/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Received a call from XXXX-XXXX-XXXX on X/X/17. Voicemail asked me to return a call immediately to " prevent further action being taken. '' The voicemail did not state who was making the call or from which business. The information in the voicemail to contact was XXXX-XXXX-XXXX with a reference number of XXXX upon calling back the automated system identifies the business as XXXX. When speaking to representative number 1 I was informed of a debt that had been paid as agreed and account closed 7 years ago. Representative demanded payment over the phone immediately and said " good luck '' before hanging up when I informed her that I did not owe nor had means to make payment at this time. I called a second time, spoke to representative number 2. I requested written, mailed verification of this debt. The rep became hostile and said he can email only and raised his voice when I told him I had never received anything in the mail regarding this debt and stated again that I do not owe this and would like written verification. The rep hung up on me. Called a third time, asking to speak to a supervisor. This rep informed me she is a supervisor. Upon providing the reference number and stating that the previous 2 reps as well as her had not informed me they were debt collectors violating the FCRA she hung up. After placing a fourth call, not providing the reference number, I asked for the business name and contact information and stated that I would like to mail a check when for my account and the woman told me they do not take mailed payment and when I again requested the address she hung up. I believe this to be a scam or just completely illegal, unethical debt collection practice.
|
| 04/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I had an account from Kay Jewlers a few years back where i owed about XXXX from the credit card. I have moved quite a few times and they seemed to have an old address. I understood this delinquent account was pushed to collections and I intended to pay however just either couldn't afford or forgotten about debt. Well within the last year i have been trying to track down this account and with no luck even using credit karma for what business could own debt now, i fell short. Well today on date XXXX i first received a private call from someone saying their from XXXX ... XXXX XXXX XXXX. Saying that have a document for me and have been unable to contact me. I tried to ask questions and came ip short either decent answers. I was told to contact the number XXXX. Later on i called and they claim to be a law firm suing me om behalf of this debt. But if i paid now over phone we can avoid all that they told me. I went into prying for proof of account and more details of company. They said they can only send me a statement from Kay Jewlers. To which they did. An old bill but nothing with their company title. They claimed to be called XXXX XXXX XXXX based in CA. I tried XXXX them or the number i called them on and came up short. When i tried to reply to their email they sent me the old bill with it keeps bouncing back. They said we can settle debt if oaid by tomorrow over phone XXXX only to avoid lawsuit. I asked names of each representative i spoke. With but I'm not sure if this is even a real company. I also asked them why are they threatening me with lawsuit or calling while i am located in MA because theres been a law place eith covid19 pandemic to stop collecting calls.
|
| 09/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have tried on several occasions to dispute a debt with XXXX XXXX/Jared that does not belong to me. When I pulled a credit report about 3 months ago while trying to purchase a home I was made aware that this account that was disputed with the credit bureau when it was only an inquiry. The inquiries were deleted and marked as Fraud. However, I was never advised or notified that the account was never closed after the credit bureau notified the creditor that the inquiry was fraud. I disputed the account with all 3 credit bureaus in XX/XX/2018, XX/XX/2018, XX/XX/2018 and have made a 4th attempt on XX/XX/XXXX. Each time I am being advised that the account was verified. However, I have request for the verification proof to be mailed to me which I have not received as of XX/XX/2018.
I have provided police reports as well as documentation from the Federal Trade Commission to which the creditor keeps ignoring. At this point I am reaching out to CFPB in hopes that you can assist with getting this erroneous/fraudulent account removed from my credit bureau reports. Furthermore, all of the information related to this account and does not belong to me.
Lastly, this creditor has never made any contact with me via mail, phone or email until after the debt was disputed in XXXX. At that time I was asked about an alternate account with XXXX XXXX/Jared The Galleria and XXXX XXXXJared. The bank advised they were already aware of Fraud activity but never closed the accounts and advised they had mailed communication I never received. Even after communication back in XXXX, I was never advised of a late payment, an open/closed account, or any collection letters or phone calls.
|
| 10/11/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I get calls from unknown number asking me to verify my information. I requested to know who is calling and regarding what. They would not give me information without verifying my personal information. The first person who called by the name of XXXX XXXX claims to be calling from the XXXX county office she states that there is a case filed against my daughter and are attempting to serve papers. They asked me to call XXXX and ref # XXXX. I called this number and asked what business is this they said XXXX XXXX they are talking about a debt which I owe Jared Jewelers {$300.00}. I informed them I have not received any communication can you send me the information by mail which they are refusing and stated that the matter needs to be resolved within the next hour and over the phone by paying {$890.00} or making payment arrangements of XXXX installments of {$310.00} or they would file a case. this i was informed by XXXX XXXX XXXX 's when I called over the phone to get further information. They are refusing to give their organization address or to send proper information regarding the debt. On this same debt we had threatening callings before a year back and now they have started again. They said we will serve the notice at my daughter 's work place. Which this information was not provided to them. They call blocking their numbers and leave messages. This debt does not even show on my credit report. Need your help I feel I am getting scammed by this people. The harassment needs to stop.
The original creditor contacted me when I was behind and I explained the situation at that time I was going through. After that the original creditor never contacted me.
|
| 06/11/2016 |
Yes |
|
|
|
Web |
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In XXXX 2016, I opened a credit account with Jared The Galleria of Jewelry. I went to the store on XXXX XXXX in XXXX MI. The card is through Sterling Jewelers. I was told by the associates who helped - there were XXXX different employees assisting me that day - that if I opened the account it would have 0 % APR for the first 12 months. So, I purchased my engagement ring and XXXX wedding bands with service plans for about {$2000.00}. My first statement had no interest charges. However, my XX/XX/XXXX and XX/XX/XXXX statements applied a 24.99 % APR.
I called the phone number on my statement and was told that customers have to make a XXXX % down payment to get the 0 % APR for 12 months. However, this was never told to me in the store when they sold me the credit account and jewelry.
I was told I can have the 0 % APR but I have to make more than a {$400.00} payment to have it. I feel as though I was deceived into applying for a line of credit without being provided all of the information. I would not have opened the account or purchased anything from them if that was the case. Their return policy is only 30 days so I ca n't even return the jewelry anymore. I feel like a bait and switch was used to con me into something I now can not get out of.
I feel that employees should be responsible for the information they provide to customers, before they are trapped into an account they ca n't get out of. I 'm paying about {$45.00} a month in interest for something I was told would be interest free. I want the interest already charged to be waived and for the account to have 0 % APR for 12 months like I was told it would when they asked me to apply.
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| 09/03/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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A wedding ban was purchased XX/XX/XXXX from XXXX XXXX, first biweekly payment made XX/XX/XXXX. Final payment made XX/XX/XXXX. Credit report pulled last summer which shows inaccurate information being reported. Identity theft has been filed, fraud alert placed with all 3 credit agencies. Deletion report came back and has been attached. A few months ago my ex received a visit from a woman exposing XXXX XXXX as the company and inform my ex of a judgement being placed. Just last month, a woman approach another address looking for unknown female. She was advise, person doesnt live at this address. She came back on another occasion and approached an ex inside a vehicle asking for the same person again. She returned and reached the homeowner who threaten to call the cops if she comes by again for harassment. The security cameras shows the woman came back again, ring the door bell and taped a letter/note on the door and left. Home owner comes home from work to a letter stating all personal credit information for someone who doesnt live in the home. The information got expose amongst the entire family because he brought concerns that I was unaware of. This information has been posted on social media as well. My consumer rights has been violated by this debt company. XXXX XXXX XXXX, Sterling Jeweler and XXXX XXXX has violated the FDCPA. Ive been accused of a purchase I didnt make. Ive attached proof of purchase that was made and payments made to pay off. Ive attached deletion from XXXX XXXX and other companies from the identity theft. Ive suffered a huge embarrassment with this false exposure when Ive followed the steps of identity theft.
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| 03/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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I received a phone call at my employer on XXXX/XXXX/21. I was not at work at that time and they left a number which is XXXX. They said they have a case number against me which they stated it was XX/XX/XXXXXXXX. They said it was for XXXX which is my name. But no last name.
There are 2 XXXX that work at my job and they gave it to the other XXXX and she called and they asked for her last 4 numbers of her social that is when they informed her they weee looking for XXXX XXXX which is me. When I got to work on XXXX/XXXX/21 they handed me the note and I called. They then told me to call another number when I would get out of work or they would send papers to where I work because they said they tried to deliver me papers at home but they couldnt. I have emergency custody of my granddaughter and someone is always here with her because of covid and the circumstances of why I have her she is at home most all of the time. When my husband and I leave for work her caretaker comes to our home and stays here. When I asked they said I should have received it in the mail and I said I never received anything in the mail and they blamed it on the mail system.
It was a debt I owed 12 years ago to Kay jewelers for a charge of {$78.00} and they told me the total charge now was {$720.00}.
Because I was so upset my daughter called the number and they said it was XXXXXX/XX/XXXX in California and that I was to speak to a XXXX XXXX. Also when my daughter said she was going to report then they called her a XXXX and hung up They had my social security number and my birthday. And I am worried about them calling my employer and them being concerned about me
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| 03/06/2020 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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The name of this company is called, XXXX XXXX and I received a phone call from them about 2 weeks ago where they claimed that my Kay Jewelers account has been forward to their office. They wanted to help me settle this matter outside of court. At first they told me the balance on my account was over {$1300.00} for attorney fees but I explained to them that's incorrect because my balance on my Kay Jewelers account was a little over {$750.00}. The individual who I spoke with placed me on hold to see if he could decrease the fees. He immediately return to the " line '' and said they could bring my balance to what I originally owe which was the {$750.00}. At first, they wanted me to pay the balance in full which I told them I could not do because of a financial hardship that I have. Therefore, they agreed to place me on a bi-weekly payment plan of {$62.00} until settled in full. I went along with this payment plan but at the same time, I had questions.
I called my Kay Jewelers customer service number and the representative told me that they did not forward my Kay Jewelers account to no outside office. They warned me that it's a scam and told me to cancel my debit card immediately since the company has my information. Kay Jewelers still has my account in their office and they put me on one of their hardship programs to help bring my account current. I knew something was wrong because my account isn't charged off so why would this company call me talking about a lawsuit and asking do I want to settle my account outside of court? I believe they were honestly trying to scam me. It's a shame that there are companies out here like this.
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| 05/24/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
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Web |
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A person named XXXX called me and said this ( I have kept message ) " Good morning this message is for XXXX XXXX. My name is XXXX. I am calling in regards to a formal complaint and summons that was faxed to my office this morning. XXXX you have the opportunity to contact the plaintiff to resolve this matter voluntarily. They can be reached at XXXX. Refer to case number XXXX. XXXX XXXX. You have been officially notified. '' I called back and was hung up on for not providing my birthdate and told I was " breaching security. '' I called back and I was then yelled at and told that they represent Kay Jewelry and that I 'm being sued for fraud and theft for an unpaid {$220.00} debt on a credit card ( which was discharged in bankruptcy ). I explained the debt was discharged and I was told the debt could n't be included in a bankruptcy and that my only choices were to pay the debt today or file bankruptcy again.
I was hung up on repeatedly when I asked for an address where I can send my papers. I was called " a child '' " irresponsible '' and a " thief '' and was told that I " racked up debt purposely '' with " no intention of ever paying the bill. '' I was told that a process server would be at my house the next day and that I would be arrested. When I asked whether Kay Jewelry was actually their client, they hung up on me. When I asked for information about their business, they hung up on me.
This is obviously a scam and these people should be stopped. I am pretty tough, but this one rattled me. I would hate to think what would happen if someone unsophisticated or elderly received a call from them. They are terrorists.
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| 05/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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For last 10 years I have received calls about a debt with kay jewelers that I never owed and was fraudulent after Kay jewelers sold debt to a collection agency over the last decade I have been contacted by multiple collection agencies trying to collect the fraudulent debt repeatedly I ask all agencies to verify proof of debt as I never nor will I ever shop at Kay jewelers and as expected no response from any to verify debt and no return call till another agency who has purchased the claim contacts me as of XX/XX/2019 I received a letter stating notice of bank levy from XXXX XXXX XXXX XXXX but was never sent any correspondence to allow a defense against a bank levy for a fraudulent debt the letter contained my name and social which is scary to know companies like this have it now thanks to original fraudulent creditor Kay jewelers I tried contacting XXXX XXXX XXXX XXXX to discuss bank levy mailer and only got a voicemail box to leave name and number left multiple message over last 30 days with no response tried to look up company online and couldnt find anything about this XXXX XXXX, CA XXXX based company XXXX XXXX XXXX XXXX I am tired of the constant harassment and uncertainty this matter has had me endure and would like to come to resolution as at this point I feel violated by the continuous attempts by debt collectors to collect this fraudulent debt that still to this date a decade later has not been verified by anyone or resolved and it has continued to be passed along from companies who tried to collect debt but sold debt once realizing that wouldnt be able to verify it for me being it is fraudulent debt owed
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| 07/24/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Older American |
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On XX/XX/2018 I contacted XXXX XXXX XXXX Services in regards to incorrect information being reported to my credit report. On XX/XX/2018 I opened an account with XXXX XXXX which XXXX is the finance company. I submitted my state issued drivers licence. I was instructed that the bill will be in the mail with the scheduled payment and due date. I waited for about 40 days before I contacted XXXX which I was instructed to contact XXXX. Upon contacting XXXX they informed me that the billing address was incorrect, XXXX XXXX XXXX XXXX when in fact the correct address is XXXX XXXX XXXX XXXX. They said that they will correct the error. I went ahead and paid off the account. XXXX even implemented two late fees which I paid. I reviewed my credit report I noticed that a 30 and 60 day late payment was reported which dropped my scores close to 100 pt. I tried to explain to supervisor XXXX ID XXXX that it was their mistake and that its on the face of the record. She stated that they report what true and correct. I explained that based on that statement Genesis is in violation of the FCRA because upon them reporting my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX when the Drivers License provided is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. I asked her to assist me in correcting their error that the late payments that they are reporting was a result of their error for mailing the billing statement to the wrong address. I refused and would not even offer to reimburse me for the late fees accessed to the account. At that point I informed her that I will be filing a compliant with the CFPB and terminated the call.
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| 01/16/2017 |
Yes |
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- Customer service / Customer relations
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Web |
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My issue is that on XX/XX/XXXX my engagement ring/bridal set was purchased. The associate in the store made XXXX of the diamonds fall off by putting it on a machine. That resulted in it having to be sent in for repair. Since it had to be sent in, I asked for it to be souled together as well, so that I would n't have to get it done another time. It was supposedly sent out that day, which I do n't think that it was. I was told that I would have it back by Wednesday or Thursday. It was n't. I was told that it would be back on Monday. It was n't. I am just now finding out that it has n't left the repair shop, they could n't provide me with a tracking number backing up their claims that it would be in on XX/XX/XXXX and I was n't told how we were going to be compensated or reimbursed for the headache that all of this has caused, lack of correct information. It is ridiculous. I spent XXXX in that store and this is the thanks that we get. I do n't appreciate it at all. I could n't find the XXXX complaint page, so I started here. I opened up a Kay Jewelers credit card specifically for this purchase, and that is what it was paid with. There are too many apologies and not enough action, therefore I am filing this complaint.
Oh and my partner and I have another account with Kay Jewelers that was paid and closed in XX/XX/XXXX. They are reporting that account as late. I am attaching the proof of that to this complaint. All they have to do is update the payment history with the bureau as positive and they chose not too or give me the run around. I am not pleased with that. I would like that issue resolved as well.
|
| 06/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
|
XXXX XXXX which services Sterling Jewelers credit card is reporting a list of inaccurate information on my closed Sterling Jewelers credit card account. I had filed a complaint with the XXXX about XXXX XXXX reporting unauthorized accounts on my report which they had to remove. Immediately after, my Sterling Jewelers account which had been closed since XXXX suddenly had a list of adverse information attached to it by XXXX and it was showing up as a 'recent bankruptcy. ' Ridiculous. The following adverse claims are currently showing up on XXXX, " potential late payment as of XX/XX/XXXX, account included in XXXX XXXX bankruptcy, dispute resolved consumer disagrees. '' XXXX is reporting, " Consumer disagrees after resolution. '' And my entire positive payment history has been deleted. XXXX is reporting, " XXXX XXXX bankruptcy, consumer disagrees after resolution. '' And the credit alert popped up and said, " New bankrtupcy '' on my credit, taking a huge amount of points off of my credit score. Until now I never had a reason to dispute that account, a dispute indicator was added when I had never disputed that account. And that the consumer disagrees with the resolution. Where did all this completely false information come from? It needs to be fixed immediately. This is preventing my family from applying for safer housing. It's completely unacceptable. I filed a XXXX Complaint against XXXX which they closed without my reply, and a XXXX Complaint against Sterling Jewelers which they did not answer. I also now had to dispute the account with all three bureaus. This matter remains unresolved.
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| 10/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
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Web |
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Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
|
| 11/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XX/XX/XXXX, I received a letter dated XX/XX/XXXX, in the mail from a XXXX XXXX XXXX. Out of XXXX , Kansas .
In the letter they stated they had purchased my account from Kay Jewelers with the last transaction date of XX/XX/XXXX and owing {$1100.00}. They wanted me to pay them {$850.00} to settle the debt or it will be placed for legal action. I immediately called the number, but only got an answering machine. I did leave my name, number and a message stating that this was NOT my account.
1. I have NEVER had a XXXX XXXX account, nor any other jewelry account.
2. They mailed this letter to a former address that I haven't lived at since probably XXXX. ( However, I live in a small town, so the mail was forwarded to my present address ) 3. I have divorced since I lived at the former address, and did not use the last name I use now, that this letter was addressed me to at.
4. I keep an eye on on my credit reports and this charge from XXXX XXXX has never shown up on any of my credit reports, If it would have, I certainly would have contested it, as it's not mine.
5. I called XXXX XXXX Customer Service and they told me they did not find me in their system and to call XXXX who is over the charged off accounts to see if they have my name there. However, they were closed when I called.
My conclusion is this seems like either a scam on XXXX. 's part, or somebody opened an account fraudulently under my name, or they have my identity mixed up with another person with the same name.
Whatever it is, I am upset over this, and I will press charges if needed against whomever is behind this.
|
| 09/23/2016 |
Yes |
|
- Closing/Cancelling account
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Web |
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I have a sterling inc account with bot Kays and Jareds for almost 2 years with no missed payments in this almost 2 year time frame.I was in a Jareds store and trying to do a purchase for a ring which was said to be a layaway on this ring, So the associate updated my address and called Jareds and did a unauthorize pull of my credit also.My Jareds account was closes which I was find with.So upon going to Kays store to purchase my husbands anniversary ring, I was told my Kays account was closed also.So the store called and they said it was due to high balances on other accounts, but I have had high balances when the account was open .I have also noticed in many of the sterling inc stores which I visit locally and in other states there has kind of been some discriminating from male associates and managers ever since this lawsuit came about for the sexual discrimination among the company as well and feel this has now reflected back to the female customers in some ways or others, because I have seen it with other consumers while i these stores.I have also noticed Sterling inc adds on protections plans with consent from the customers as well.Cause I have denied it several times or more and found it was added on anyway to my account, but it was adjusted.I didnt bother filing a class action at that time and have remain a loyal customer with good payment history anyway.Maybe I should have not been so nice, because I seemed to be getting treated unfairly in many ways and feel part of it is due to the current suit against sterling inc for discriminations against women.
|
| 07/20/2016 |
Yes |
|
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|
Web |
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XXXX XXXX reported me 30 day late payment for XX/XX/XXXX and 60 day in XX/XX/XXXX stating we only made partial payments when I was set up on a automatic withdraw program.
I was never notified that the amount being withdraw was not correct amount and was under the impression that since the money was being withdraw from my bank account that payments were being applied correctly.
I never received any statements nor any type of documentation of changes to payment amount from {$65.00} to {$180.00} and when informing representative of this their answer was simple well since we did not receive any return mail you should have received it.
Also on XXXX XXXX, 2016 I called in to pay off account since my wife and I are in the process of purchasing a home any needed to boost up our credit and we were offered a settlement payment for the amount of {$870.00} which was paid that same day confirmation number for that payment is XXXX. Which they did apply it to our account until XX/XX/XXXX.Then on XX/XX/2016 an amount of {$65.00} was withdraw from my account again after settlement payment was made.
When I called in to see why that amount was withdraw and requested a refund I was told since they had not applied the settlement payment to your account yet the {$65.00} is being applied to the remaining balance on the account and can not be refunded but yet they send me a letter dated XX/XX/XXXX that my account has a {$0.00} balance which does not make any sense to me.
If we can find a way to remove this discrepancy from my credit score it will be greatly appreciated.
|
| 03/17/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Servicemember |
|
I purchased a ring in kay jewelers in XXXX all around XX/XX/XXXX for a XXXX present. The ring fit big and my husband decided that he wanted to return it. On XX/XX/2019 I physically went to the store and return the ring. At first they stated that they would return the amount to my credit card account with commenity. After a month I got a bill from genesis for {$800.00} ( amount paid for ring ) I immediately called kay and they said that they issue me a refund for it. I checked my comenity account and I had a positive balance on mu favor for {$800.00}. Since then, mid XXXX, I have been calling kay to tell them they credited the wrong account/company and they said I have to contact comenity. I contacted comenity and they stated they could see the positive balance on my favor and they would send me a wire transfer and I gave them my bank info and they gave me a confirmation number. After few days I called comenity again and then they said they do not do wire transfers anymore but they will send me a check for the {$800.00} balance in my favor. Here we are middle XXXX and still have not received a check and the other company, genesis, it is still charging me, I have not paid because I have not received the money from comenity, for it and treating me to report negative info to my credit report. When I have called comenity I always get the same answer that I will get check in the mail but have not get anything yet. I have spoken to at least 7 people including three supervisors. Please assist me with my issue I am desperate and not sure what else to do.
|
| 12/20/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
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On XX/XX/2019- I was at Kay Jewelers inside of XXXX XXXX XXXX in XXXX XXXX , Kansas . When I was in the store we were shopping for products. The sales lady was trying her best to get us to purchase a ring. When we were seated at the counter she asked started talking about their store credit card. As she was talking to us she suggested we see how much credit we might be able to get. After asking a bunch of questions she stated that since it was a 1 day only event that if we wanted to keep the ring we had chosen that we could just buy it to hold it and then if we didn't it then we could return it. At this point I stated that I was still unsure about the pricing {$3000.00}. She then told me that it wouldn't be an issue since she had already opened a card in my name. At no point had I ever seen any credit disclosures, or signed anything that said it was okay to open a card. All of the information she was asking for had been typed in on a screen that I was never shown and never got to sign. Then they put the ring on our account to hold it, which resulted in my account being charged the full amount of {$3000.00}, but never asked me which of their financing options that I would like to use. As a result they charged me interest, {$5.00}, on an item that I went back and cancelled the order a couple of days ( XX/XX/2019 ) later because of the way they had acted. I was unaware of the interest charge until XX/XX/2019 and they also charged me a late fee, another {$5.00} because I had not paid the interest charge on something that I had thought to be cancelled.
|
| 11/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I received a call from XXXX XXXX, XXXX a third party debt collector stating they had placed a lien on my vehicle. They told me I owed them {$1600.00}, but they would settle for {$740.00} and that I missed a court date in XX/XX/XXXX. I was never notified of a court date, I never received any information about a debt trying to be collected. I learned the debt was from XXXX XXXX. My bankruptcy that was discharged in XXXX XXXX, Jared was a listed creditor and was notified of the granting of discharge under section 727 of title 11 United States Code by email on XX/XX/XXXX at XXXX. During the purchase of my home in XXXX of XXXX, I had to get a judgment vacated from XXXX XXXX, the previous third party creditor hired by Jared to collect the debt. The court vacated judgment, as the debt was discharged in my bankruptcy in XXXX. The XXXX XXXX stated they placed a lien on my new vehicle purchased in XX/XX/XXXX. On XX/XX/XXXX I emailed a copy of my bankruptcy to the XXXX XXXX. Today XX/XX/XXXX I called to follow up. I was informed my account has been closed. They told me they closed my account and referred me over to criminal charges, because it did n't matter that my debt was discharged in bankruptcy, it was theft and I stole property. I called my loan company for my vehicle and I called the MVD, no lien has been listed. I 've checked with all courts, I ca n't find record of a previous court date, nor can I find any information about criminal charges. This debt is not owed, I 'm being threatened with my personal property and criminal charges.
|
| 08/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/XXXX, I sent a letter to XXXX, XXXX, and XXXX, requesting for the deletion of inaccurate, unknown accounts on my credit reports.
Specifically, a company named Kay JewelersXXXX reported a {$400.00} charged-off account, opened in XX/XX/XXXX, to XXXX, XXXX, and XXXX. Kay Jewelers/XXXX sent the account referenced above to a collections agency named XXXX XXXX XXXX XXXX in XX/XX/XXXX, for the amount of {$420.00}.
I have never opened an account with Kay JewelersXXXX and do not know anything about the charged-off and collections accounts yet all three credit bureaus are still reporting these inaccurate accounts on my credit report. XXXX updated my credit report with the following comment : " the company reported certified to XXXX that the information is accurate ; XXXX updated my credit report with the following comment : " account information disputed by consumer, meets FCRA requirements '' ; and XXXX updated my credit report with the following comment : " consumer disputes after resolution ''.
I was curious as to how Kay JewelersXXXX determined that an inaccurate account should remain on my credit report. Between XX/XX/XXXX and XXXX, I wrote additional letters to Kay JewelersXXXX, XXXX, XXXX and XXXX, requesting for the description of the procedures used to determine the accuracy of the disputed information and for validation obligating a payment.
I have not received any responses from Kay JewelersXXXX or the credit bureaus. I am currently experiencing financial harm because of these companies ' negligent reporting practices.
|
| 09/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
This is compliant is about about the unscrupulous business practices of XXXX XXXX / XXXX XXXX who contracted a collection agency to collect a debt that I repeatedly contended was not opened by me. The collection agency finally acknowledged that they were unable to validate this alleged debt and therefore removed the entries from my credit report ; however XXXX XXXX XXXX XXXX XXXX continues to report this on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX / XXXX XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for all collection accounts on file both via phone and via my previous compliant to the collection agency but still have yet to receive this information. XXXX XXXX / XXXX XXXX failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and clearly they are unable to provide me or the collection agency a copy of verifiable proof. It has been longer than 30 days since my original request and therefore I demand that all collection attempts cease and I demand that all negative entries be REMOVED. My next course of action will be litigation if I am contacted about this again outside of being informed that all negative credit entries to XXXX, XXXX, and XXXX have been deleted.
|
| 09/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
I received 2 phone calls from a company called XXXX from a phone number XXXX and told me to call back an XXXX. One at XXXX on XX/XX/2020 by a person named XXXX left me a voicemail saying she has documents that has been issued to the office that if I don't respond by the end of the day they will be come to my job and/or home to issue the document.
At XXXX same day XX/XX/2020 a guy calls me at work and initially started talking to me like he knew me asking if I was at work or home today. I told him I am at home but my. phone calls are forwarded to me. He then proceeded to tell me I owed on an account from Kay Jewelers in the amount of over {$1200.00}. I told him I would need to see this information because I don't believe I owe them that money. He told me they already made the necessary attempts to collect on the debt by mail and I should already have that information and I would need to pay the amount. He then proceeded to tell me the original amount was around {$600.00} and with fees and so forth I now had to pay {$1200.00}. I told him I do not agree with that and he said it did not matter if I agreed or not. He wanted me to agree with it without looking at the documentation. He told him if I look at my credit report or contact Kay Jewelers they will tell me the same thing. I let him know that I will not agree to anything unless I see the documentation. He then started telling me what my social security number was and asked if I needed the account number. I told him to do what he needs to do and hung up with him.
|
| 11/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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XXXX/XXXX XXXX is fraudulently reporting on my credit reports in the amount of {$3600.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance?
* Did they even fund the account or did you?
* Did you take tax credits?
* Are you the creditor or really just the servicer?
* Did you disclose that you were charging me for the insurance premium to protect against asset loss?
* Did you get your approval in writing agreeing to the amount of the premium as require by law?
* Did you get the insurance payoff prior to charging off the account?
* Is the contract creating the account even valid since they lacked full disclosure and equal risk?
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature?
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).
You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
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| 10/27/2020 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Good morning, I received a phone call from an unknown number at XXXX XXXX on XX/XX/XXXX. There was a voicemail issued to me from a young lady from XXXX XXXX stating that I will be summoned with paperwork to my address & that paperwork will be issued to my verified place of employment. The number was ( XXXX XXXX XXXX as a call back & the reference number was # XXXX.
I called back to XXXX, XXXX XXXX XXXX and was connected to representative ( paralegal? ) XXXX XXXX. XXXX XXXX was rude & told me I was wasting his time by insulting his intelligence, and he also told me that I obviously dont understand how credit works when I notified him that I do not recall having this account. I notified him that I disagree with the allegations that this is my account. His aggression was not necessary. Apparently, the ring purchased had a {$520.00} balance for {$190.00} ring. I notified XXXX XXXX that I do not recall having this account. Apparently the last payment was made in XX/XX/XXXX. On XX/XX/XXXX the account was opened. Payments were made on the account. I have no idea who this creditor is but I will surely be reaching out to Kay Jewelers directly regarding this matter. Threatening to send me to a court that may or may not be open due to COVID makes no sense. He did offer me a settlement and also offered $ XXXX {$150.00} payments per month. And when I commenced to telling him that I was not claiming the account, he commenced to screaming, insults, and abuse.
Best, XXXX XXXX XXXX
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| 09/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/2020 I sent a request to Kay Jewelers/Sterling Jewelers disputing the credit report information requesting that they send me information regarding my debt per the Code of Federal Regulations 16 CFR Part 660 " Responsibility of Furnishers. '' After not hearing from them after their allotted 30 days, I sent them another letter informing them of their violation for not responding and I requesting that they remove the negative credit item in question. However, rather than them responding appropriately to my requesting by supplying me with the requested items outlined below : 1. The original account name and number?
2. What was the original amount owed? Please provide complete payment history, starting with the late charges, interest, date of payments received, date of payments posted, charges made and date of charges posted. Copies of all documents and financial instruments used to pay on this debt.
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money and copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness.
4. What was the original date of my first delinquency for this account?
5. Copy of the originally signed contract Insead they sent me a FRAUDULENT back-dated as a stall tactic. I have attached a copy of their letter that was back-dated to XX/XX/2020 but the envelope was postmarked XX/XX/2020 that I received today XX/XX/2020 that is attached to this complaint.
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| 01/25/2017 |
Yes |
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Web |
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Thank you for taking the time to read this letter.
I 'm writing because I noticed that my most recent credit report contains late payment reported on 30 DAYS XX/XX/XXXX, for my KAY JEWELERS CARD # .XXXX.I have contacted customer service on XX/XX/XXXX to remove that reporting from all XXXX major credit reporting agency due to the error but Sterling Jewelers Inc- Division : Kay Jewelers Customer Care refused to remove the reporting. ( Assigned request id XXXX for that communication ). During that communication I have informed Sterling Jewelers Inc- Division : Kay Jewelers Customer Care Department the following : when I made a purchase on XX/XX/XXXX, I was told by the sales person no payments or interest for 6 months. In XX/XX/XXXX I started receiving phone calls from the bank Sterling Jewelers Inc- Division : Kay Jewelers. They were asking about the payments. Soon after that I made a trip back to the KEY JEWELERS STORE in XXXX MI. To my recollection the store manager was on vacation and I was told that I have to wait for the store manager to get back to work. Once the store manager returned to work I made another trip to the store. Manager stated that they have not had that promotion and she is not sure why the sales person informed me about it. Manager attempted to convince me that it was a misunderstanding between me and the sales person. Immediately after that I made a payment and I was current and on time with all payments and paid off entire loan.
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| 10/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
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Web |
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On XX/XX/XXXX and XXXX, XXXX, an individual called my employer and spoke to a colleague about a " pending lawsuit against me '' and they needed to " reroute legal papers that were being served to me. '' After the first instance, I told them to not contact my employer again. They contacted my employer a second time, where I again stated that were to not contact me at my place of employment. The person who left the message was named " XXXX XXXX. '' I spoke to someone called " XXXX XXXX, '' who then sent " legal documents '' to my email address. It is a debt collection notice for a debt that I do not owe. It is from XXXX and is not on my credit report. The original creditor had sold the debt years ago. This company, going by " XXXX XXXX XXXX, '' is also known as XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. They have three different addresses and numerous telephone numbers. I attempted to reach out to one of them and it was answered by a law firm called " XXXX XXXX XXXX XXXX. '' The receptionist mentioned she receives numerous phone calls from people trying to contact XXXX XXXX XXXX XXXX. The number for XXXX XXXX XXXX no longer works.
Additionally, I have sent out " cease and desist notices '' via email and certified mail to all three companies. I spoke to XXXX XXXX on XX/XX/XXXX, after she called my cell phone, and informed her that it is not my debt and they need to stop contacting me. She again threatened to have me served at my place of employment.
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| 09/11/2019 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I fell behind on credit card payments for my Kay Jewlers account, it was placed in collections. I do recall getting a notice however I do not recall getting any notification that I would be sued for this amount. MY sister received a call stating I would be sued for debt owed the person who called her was named " XXXX '' my understanding is this is illegal for them to discuss my debts with someone other than myself. I called the phone number given ( XXXX ) and was given a case number of XXXX. After being told this company doesn't place outgoing calls ( doesn't make any sense at all ) they connected me with another lady. She went over some information, several times I explained that I was very confused at what she was saying if she could explain it better. I let her know that if owed a debt, yes I would want to pay what is owed. She said I was defrauding a creditor and they made attempts to contact me about the lawsuit. Before today, I knew nothing about said lawsuit. I was then told they could possibly get this out of court if I paid in full, I stated I was not comfortable giving information over the phone and asked what the company name was she said XXXX XXXX XXXX, I did a quick XXXX search and it doesnt pop up so I asked for the address in which I was told they don't give that info out to protect employees. I told her I would need to give a call back after I look into getting a prepaid XXXX or XXXX ( she said the only forms of payment accepted ).
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| 12/09/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Sent card you never applied for
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Web |
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An account was opened in my name while i was in the Kay 's jewelry store without my knowledge. I explained to the employee that i did not want my credit ran and i did not want a card in my name. This card and the stipulations also seem to change to benefit Kay. The penalty and interest rates seem to increase. Since the card was already on file i made the mistake of making the purchase on the card. I have had difficulty paying the card as they do not make things clear for you to pay. I have had assisted payments that i had to pay for over the phone. I have continuously attempted to contact the corporate office to rectify this practice and to talk to someone about the difficulty of paying. the last payment that i was to make was late and i had {$400.00} in interest tacked on for a card that i never wanted and a dispute that has never been answered. I have continued to pay but i am paying over {$600.00} in payments that have been tacked on as penalties. When you attempted to contact the offices no matter how you try you are disconnected. I am a customer of Kay jewelers and am very disappointed by the unfair practices. I asked for my card account to be closed and I am not sure that this has been done. I spoke with an employee that has stated to me that this is common practice and this happens to a lot of people. The employee also stated that the company will not help me. I was also told that i will probably not be able to get in touch with corporate.
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| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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recently pulled a copy of my credit reports and have noticed that some of the accounts on my reports do not belong to me. These fraudulent accounts are the result of my identity being stolen in the past and personal information being compromised.
I was referred to create an official police report about the incident and situation to document the accounts and details. Any help I can receive will be extremely helpful as I will forward any evidence and information your department can find out to the appropriate credit bureaus and agencies. Please take note of the following accounts and information that does not belong to me and has been created fraudulently : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 12/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I am making this complaint of my own accord and do not consent to XXXX verification in response to KAY JEWELERS reporting inaccurate information to XXXX of the many credit reporting agencies. I have contacted KAY JEWELERS to produce proof pursuant to rule 1002, of an original contract. It has been more than 180 days and XXXX, XXXX, and XXXX are still reporting erroneous information on my consumer report. I never received full disclosure from any of the companies mentioned that my personal non public information would be used in this deceptive way. Pursuant to 15 USC 1692g I am to be provided with the correct validation by KAY JEWELERS of a " debt '' the alleged is " owed ''. Given that I have contacted not only KAY JEWELERS but XXXX, XXXX, and XXXX more than 180 days ago to dispute and have them correct their error, 15 USC 1692g ( b ) subsection ( a ) states that they should cease and desist all communications, verbal and written until the disputed " debt '' is validated.15 U.S. CODE 169f. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) the collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the " debt '' or permitted by law
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| 12/06/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Trouble using your card
- Can't use card to make purchases
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Web |
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In XX/XX/XXXX I opened a Jared account through XXXX XXXX. I eventually opened a Kay 's account as well which are both branches of sterling. Well I purchased a ring for XXXX and a pair of earrings for XXXX. 5 months after having accounts open I had available credit of XXXX and same through Kay 's. In XXXX they froze my accounts. Never once was I late, always paid early and on time I tried to use the card ( Jared 's ) beginning of XXXX and it said available credit limit XXXX but XXXX amount to use. As of today I should have XXXX available at Jared 's to use. I called them again today to inquire why the account I opened online shows I have XXXX credit limit but XXXX available to use. I was told I had to go in store to have accounts unlocked. There was never a Jared near me the closest Jared is almost 3 hours away. There wasnt a problem opening the accounts and allowing me to make 2 purchases but the only way they say they would unlock my account is if I go into store. This is like a scam. They get you to buy something and then freeze your limit. So then you must go instore for a review. I didnt apply in store. I applied and purchased online. I am not able to shop in stores due to having XXXX XXXX child. The account was only open 5 months and I didn't find out til today that I had to visit in store to get my available credit limit unfrozen. That is fraud, Its almost like a scheme. Something should be done.
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| 07/21/2017 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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In XXXX 2016 I had a child and fell behind on bills due to not working and only receiving 50 % of my regular income Kay Jewelers called me every single day and kept telling me that they were going to continue to call me and I kept telling that I do n't have the funds to pay and I would have to pay my rent in order to keep having a shelter for myself and my family they continue to call me I asked him to stop calling me they then pursued my mother my sister and told them that to contact me by that time my whole family knew that I had a debt I was truly embarrassed and could n't believe that they would continue to call me after I had already spoken to I believe two supervisors in two different agents I did set up payments with them only because I was so embarrassed and had no idea that this website existed I 'm only reaching out because if there 's other people that are going through the same exact thing our voice needs to be heard we should not be harassed if they understand that there 's a situation going on they should wait or put at least a cease-and-desist like I had originally asked them and they continuously told me that nobody noted that that is not my fault someone needs to be coached on how to deescalate a situation or find a resolution at the first call and not have to continuously call the person and know how to put a hold date on that person 's account before contacting them again
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| 11/01/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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I made a purchase and opened a new account with Kay Jewelers on XXXX. I received my first statement due in XXXX that reported to my credit as over the limit because I was not told my total credit limit but XXXX added additional insurance to my card since the company allowed those things to be added to the tune of {$1800.00} additional added to my card. I am in process of closing on my home and was told by me loan servicer that I needed to make a payment of at least {$2800.00} to bring the balance down prior to closing. I went to the store to make the payment on XXXX/XXXX/XXXX at XXXX and was told by XXXX XXXX the CASH PAYMENT of {$3700.00} would post immediately to my account. It is now XXXX/XXXX/XXXX and my payment has not posted to my account. I am getting the run around between XXXX credit and Kay jewelers being to that my payment was posted to and old account number and their accounts number have changed. ( How did I get an old account number for a new account?? ) It could take up to 5 business days for a CASH Payment to post. XXXX XXXX was provided the receipt for payment made and can see that the payment is posted to a so called OLD account number and has yet to process my payment. I have made multiple calls and there is still no assistance with this issue. THIS IS ABOUT TO CAUSE ME TO LOSE THE CONTRACT ON MY NEW HOME BECAUSE THESE PEOPLE ARE NEGLEGENT IN PROCESSING PAYMENTS!!!!
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| 07/07/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
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Web |
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Company calls me at least 6-10 times daily. Try 's to bully me to return jewelry every time I talk to them so they can resell. I would be willing to return except they took my " paid in full jewelry '' as a trade in at half its value, they would only reduce my debt up to what they felt the value of the returned items are and I would still owe them a large balance. So this company would have all my payments made, my paid in full jewelry they said I forfeited, the new items I purchased and I would still be making payments with full interest to them for the " balance ''. They refused flat out to work with me on reducing the interest or payments for more than a few months. They have called my family members now " looking for me ''. This company is a legal loan shark type company. They harass you until you give in, all I want from them is to work with me and reduce my payments by {$50.00}. Instead they are racking up late fees, maxed out interest rates, and building the amount I owe to a staggering number, until I have nothing left but to give in. Its feels like as if they are above the law. They said they would only work with debt consolidation once when I talked to them, however they would n't work with me directly, I need to be financially ruined or in bankruptcy, instead they use bullying tactics and harassing calls non stop. Calling my family today was the last straw.
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| 09/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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Kay Jewelers is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. Kay Jewelers is reporting a 30 day missed payment on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''
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| 07/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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My wife and father received calls From XXXX XXXX XXXX regarding a supposed debt owed for Kay Jewelers and left messages on my wife 's, fathers and father in laws voicemails regarding my personal information, supposed debt owed to XXXX and threating to take further action if I failed to call them back. I never gave permission for them to call any of my family members as the date given for this supposed debt was prior to my current marriage. I have told this company on prior calls to remove all contact information for anyone other then myself and have asked for all documentation they have supporting this supposed debt to be mailed to me and it has not so again after todays voicemails left I called spoke to a XXXX XXXX and informed her of the violation as well as requesting the documents again, she informed me she would mail the information and remove all other call numbers. At this point with the multiple violations against my privacy and rights i fully expect this collection agency fined and held accountable and for them to absorb any and all supposed debts they continue to violate the law and calling me for. I am in possession of all mentioned voicemails left. I HAVE REQUESTED FOR NO MORE CALLS AND ONLY TO BE COMMUNICATED WITH VIA MAIL AND EXPECT THAT TO BE HONORED. IF the above is not honored I will pursue further actions under my rights from the FCRA and FDCPA
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| 04/21/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I recently filed a complaint against Jared the Galleria Of Jewelry for still reporting an account to the credit bureaus as Jared themselves when it was charged off in 2019. You responded to my complaint that My Jared account became XXXX XXXX XXXX XXXX and that XXXX sold the debt to the XXXX XXXX XXXX XXXX XXXX. I am now filing a complaint with the XXXX because this company is IMPOSSIBLE to get in touch with. I have been scouring the internet to find out how to get in touch with these people and then I find out this company is not even accredited by the XXXX. I have called twice over the last month and left an EXTREMELY DETAILED message, I have sent an extremely detailed and frustrated email, responded on their home page to the contact us form. Nothing. Not a word. These people have a debt that I am busting my XXXX to pay off thats keeping me from purchasing a home for my family and I cant pay it because its impossible to get in touch with this company. I am enclosing photos of the whopping 2 reviews that I was even able to find on this company because they arent XXXX accredited, and they do not have reviews on their web page. Probably because they dont take phone calls and dont call people back or email them back. This company needs to be SHUT DOWN. The debt was originally Jared the Galleria of Jewelry, then XXXX XXXX XXXX XXXX, now XXXX. Amount was {$6700.00}.
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| 04/18/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
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Web |
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I walked into a Kay Jewelers to purchase a gift for my daughter. Upon making my selection the representative was trying to sell me on their credit card, given I had a great credit history with them this would only be a " soft pull '' and would not impact my cre dit score i n any negative way. I informed him I 'm in the process of purchasing a home and any negative inquiries would reflect bad. The representative talked to the store manager and both assured me its a soft pull. I proceeded with the transaction and within a couple hours I received an email from XXXX notifying me of the hard pull. I was furious and complained immediately, and the representatives apologized as they misinformed me and offered me a {$50.00} voucher upon making a {$150.00} purchase to serve as compensation. This clearly did not help. I escalated this further to their customer service management in their call center and they offered me a {$50.00} gift card, which I declined as I 'm not looking for monetary compensation, I 'm looking for this hard inquiry to be removed. Everyone agreed the store is at fault, however they are not willing to correct the error. This is a UDAAP violation at best and potential FCRA violations as they conducted an unfair, deceptive and and misleading practice, which impacted me ( monetary ) as I 'm trying to purchase a home and now my score has decreased!
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| 06/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
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This is a formal complaint against Jared Galleria Of Jewelry located in XXXX, OH. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Jared Galleria Of Jewelry has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 06/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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As a result of COVID-19 I was unable to pay on my credit card because the place where I paid the card from the first time I used the credit card was closed due to the pandemic so I was given a 30 day late on my credit card. The company is Kay 's and the bank is XXXX XXXX XXXX. I have always paid my bill from the day I made the debt. I reached out to the company explaining my disposition but no matter what they stated they had no good will program therefore they could not or would not help me. A 30 day late payment decreases the credit score significantly and I was in the process of closing on my first home. I explained that I attempted to pay by other means but due to the hours I work I was only able to call on my break and at that time I was unable to get through or when I attempted to pay on the website it would take me halfway through then kick me out. This situation was brought to my attention on XX/XX/2020. I could and would understand this if I was frequently late but this is nor was the case, so now my family will not be able to purchase our home. The pandemic has totally taken everything from me. All I'm asking is for understanding and help so that I can better me, my family and our future because if this 30 day late payment is not removed it will be a year or more before I can raise my score back to where it needs to be to purchase a home.
|
| 12/31/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I am a Federally Protected Consumer. I checked my credit report and noticed a debt collector Jared-The Galleria of Jewelry has attempted to collect on an alleged debt and has placed it on my credit report as charged off and has forwarded my personal information such as number, address to XXXX XXXX XXXX. Jared-The Galleria of Jewelry has invaded my right to privacy. I mailed Jared-The Galleria of Jewelry a debt validation letter and was sent a letter stating I needed to send them additional information.
However, XXXX XXXX XXXX provided me with Jared-The Galleria of Jewelry billing statements that were sent to them on an alleged debt. Pursuant 15 USC 1692c ( b ) I never gave Jared-The Galleria of Jewelry written or oral permission to have my personal information and to forward it to another debt collector to collect on an alleged debt. Pursuant 15 USC 1692b ( 2 ) Jared-The Galleria of Jewelry can not state that such consumer owes any debt ; Jared-The Galleria of Jewelry has forwarded billing statements to XXXX XXXX XXXX to collect on an alleged debt. Jared-The Galleria of Jewelry also forwarded an account summary from the " original creditor '' Sterling Jewelry. According to 15 USC 1602 ( g ) I am the original creditor. Jared-The Galleria of Jewelry and Sterling Jewelry and XXXX XXXX XXXX can not create, extend, or give credit. Please the attached.
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| 04/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
This is a formal complaint against XXXX XXXX And Jewelry located in XXXX, OR. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX And Jewelry has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 10/22/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I have received numerous calls from this company and have submitted XXXX separate complaints prior to this XXXX. On XXXX XXXX, 2016 they called my brother, sister, wife, sister in law and nephew. They keep leaving recorded messages for me on my nephews voice mail. In the call to my sister on XXXX XXXX, 2016 they said they were calling from www.investigation and said that I listed her as a contact person and that she does n't know but it may be a timing issue and that she needs her to verify some information and told my sister my address. My sister asked her to email her a copy where I put her down as a contact person. The woman said she 'll just put down that I falsified information.
Firstly, I have never given this company or this person prior express consent.
Second, they threatened legal action in an attempt to intimidate in a call to the cell phone of my mother in law.
Thirdly, they disclosed the last XXXX digits of my social security # in a voice mail in a call placed to my mother in law.
Fourthly, they placed a call using automated telephone equipment or an artificial or prerecorded voice to my cell phone as well as the cell phones of my mother in law, sister in law, brother, sister, nephew and wife.
Fifthly, they disclosed my address to my sister.
This company is menacing, threatening, stalking and harassing me and my family.
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| 07/05/2019 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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*******URGENT******* I called the XXXX XXXX XXXX office at XXXX at XXXX XX/XX/19 to speak with the representative in charge of my account. When the individual got on the phone he indicated that he was the manager and had been in charge of my account ( reference # XXXX ) since i started making payments a few months ago. Immediately after inquiring about assistance the individual proceeded to tell me that i was not smart for acquiring the debt that i have, passing extreme judgment on the amount i was paying and how the creditor that i acquired the debt with, threatened legal action against me if i modified my payments, yelled at me, spoke over me, refused to transfer my call to another representative, stated that he would not assist me with my concerns, noted to me that customer service was not his job nor his concern amongst several other demeaning and disrespectful comments. It is unfortunate that someone like this is allowed to speak to customers or individuals in my situation that have gone through extreme hardship and tragedy but are making several on time payments to rectify the situation as best as possible. I would like this escalated and action taken against this person. I am available at XXXX and would like to have my account transferred. I have filed several complaints and was denied the ability to speak to his manager during my call.
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| 10/21/2017 |
Yes |
- Debt collection
- Credit card debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
Servicemember |
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I had an old retail acct with XXXX XXXX that was opened XX/XX/XXXX. After I lost my job the account did become behind. The debt was never paid in XX/XX/XXXX my new wife became upset when she received a call ( XX/XX/XXXX ) saying I was being sued and having criminal charges against me. She was not aware of the debt since it occurred during my first marriage. The company also called my mother multiple times, also telling her that I was going to jail. My wife then began the proper actions to correct one of my lives mistakes. She spent several hours on the phone with XXXX XXXX XXXX and XXXX XXXX XXXX. After many failed attempts she began to write letters to both companies ( sent via certified ). ( XX/XX/XXXX ). On XX/XX/XXXX the calls began again. A female by the name of XXXX called stating she was from county clerks office and they are trying to serve me ( XXXX XXXX ) with court summons and failure to comply could lead to criminal actions. In a panic my wife returns the call speaking with a XXXX XXXX. This rep was rude cussing my wife and telling her that I was going back to jail for 8 months for having stolen property which could be longer since I just got out of jail. Someone has been misinformed because I work in XXXX XXXX and I XXXX XXXX XXXX not break it. I have recorded conversations with this so called collections company.
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| 06/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
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I received a call from who I thought was my creditor ( Kay Jewelers ) but was a collection agency. We agreed to settle the account to resolve the matter.
I received my letter of settlement on XX/XX/20 and realized that they were not the original creditor but an agency and my creditor sold them the account. i asked when can see the status of my account updated. They advised that they do not report I would have to submit a dispute with the credit bureau to resolve.
I submitted my dispute requesting that they update my status as settle for less than full balance.
The credit bureau advised that they refused. I contacted my creditor and advised that they are required to update my cbr to reflect the correct status ( Settled ) the said that they have no obligation or responsibility to do so the account was sold. I than advised that if you are going to take the time to report than you do have a responsibility to update or remove it.
I asked to speak with the supervisors, supervisor. She would not let me speak with anyone and continued to talk over me and yell at me. I advised that I would contact corporate and did.
Since they sold the account I would like them to remove from my cbr since they claim no responsibility in being compliant with the credit bureau reporting act. and refuse to update my information as it truly stands.
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| 06/01/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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These problems are wit h Jared The Galleria O f Jewelry. First, when I applied for the credit account, I was told the credit check would be a soft hit. It was a hard hit. They lied. Second, I have received no information about how to pay down my account. Logging into their website and clicking on " My Jared Card '' brings me to a page with recent orders, nothing to do with the credit account. When I contacted Jared via chat, I was told my address in their system was incorrect and they needed my birthdate to verify. When I provided my birthdate, I was told the date was incorrect as well. I was then told I needed to fax my state ID card to them. This is 2017, I do n't know where a fax machine would be, or how to use one. Additionally, I was told I needed to provide my account number when I faxed them. Trouble is, I do not know my account number and they wo n't give it to me since the information they have on my account is incorrect. This is a circle of illogic. I was also told I could visit my nearest store. The nearest store is prohibitively far away for such a trivial matter. Finally, when calling their XXXX number, t he automated system keeps saying " Sorry I did n't get that '' and will not connect me to a human.
Jared messed up and now they are preventing me from paying my debts.
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| 03/05/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/ 2019 Mr. XXXX ' wife, XXXX XXXX, contacted XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, FL, via telephone to ascertain what the procedure was for a repair to one of her rings. Soon after we received a letter that our account had been closed upon calling the financing Company XXXX XXXX we were advised that the card we have had with XXXX XXXX for 5 years + and an account in good standing had been closed by us, upon re-battle the statement XXXX XXXX Representative made up, to the point that they mentioned we had apply for financial hardship which it was incorrect, they also implied that I XXXX XXXX had called and not advised my wife ( which that is impossible as she handles ALL the household financials and just keeps me up to date ). A few days later come to find out that another account had been opened on XXXX XXXX2019 under my name with a credit limit of {$5100.00}. A charge was then also made via XXXX XXXX online in the amount of {$5100.00}. I attest and swear under oath if needed that I XXXX XXXX nor XXXX XXXX requested for our current XXXX XXXX account to be closed nor have ever requested to open a new account. We the XXXX 's wife and husband have spoken with several representatives from XXXX XXXX and have opened a fraud account with their card services provider, XXXX XXXX XXXX XXXX.
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| 05/04/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/XXXX, I was notified of a debt that was supposed to had been reported on XX/XX/XXXX from a XXXX XXXX alert for a debt of {$250.00} from XXXX XXXX XXXX XXXX. The account number was not specified on XXXX XXXX but the original debtor is XXXX Sterling Jewelers Inc. I am pretty sure the account is from Kay Jewelers. Kay Jewelers is reported to XXXX by XXXX XXXX XXXX later purchased by XXXX XXXX. The balance is shown as {$700.00} opened on XX/XX/XXXX with account number ending in XXXX. Several debt collection companies have contacted me about this debt & I told each and everyone I did not authorize the opening accounts and/of transactions associated with it.
I received a letter dated XX/XX/XXXX with further details on this account # XXXX from Kay Jeweler Outlet initiated by identity theft after I called last week to notify the company of my denial of this account. This is my second time initiating this fraud investigation and I received an identical investigation decision account ending in # XXXX. I am ready to be relieved of a debt not owned by myself.
I am writing this report as a statement in writing that this account has been fraudulently opened without my consent. I am very much not responsible for this debt. I am willing to prosecute whoever is found to have initiated this card fraudulently.
|
| 03/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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Account appearing on my credit report was not opened by me and company will not provide accurate debt validation as to the debt in question after several attempts throughout the past years. Continue to send letters in response to my requests for debt validation, without copies of signed contracts or statement of accounting. Also, the company has repeatedly sent these letters under several different entity names such as : JB Robinson, Kay Jewelers, Sterling Jewelers and XXXX XXXX and referring to different account numbers on their correspond Kay Jewelers card that was paid in full and satisfied and the store associate opened this separate account in question without my authorization ( my kays card was accepted at all Sterling Jewelers store including jb robinson ). it has now been 5 years since the first derogotory mark on this invalid account. Lastly, they continue to provide conflicting information on a collections company that holds the account ( XXXX XXXX XXXX, XXXX and XXXX XXXX ) I have demanded they remove the account from my credit history as it is now effecting my security clearance and they refuse to do so. I believe this falls under the CFPB investigation of sterling jewelers inc. where final judgement and order was entered agaisnt the company for the same practices in XX/XX/2019.
|
| 11/04/2017 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
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I received a letter from a collector on behalf of kay jewelers/sterling in an attempt to collect a debt in the amount of XXXX dollars. The account that was opened with kay jewelers back in XXXX only had a credit line of XXXX and many payments were made to this account most for 180 per month over a year or so time span. with that being the case how can a debt collector get a debt amount from kay stating that I owe this amount? I have tried to speak directly to kay about this account and they will not give me any information and will not allow me to settle this debt with them now. Before this account was even charged off I had began a payment arrangement with them and even had made a payment for the monthly due but the representative stated that I would need to make a significant payment in order to not charge off the account even though the payment I made was enough to bring the account current, I was offered a settlement in the amount of XXXX dollars by this same rep in late XXXX and all I want to do is get all documentation regarding this account ( beginning balance, payments made to the account and ending balance ) and then settle this account in full immediately with kay jewelers. Please have an executive contact me so that I can discuss my issues with them and resolve this issue.
|
| 03/30/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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Today I logged into my XXXX account only to find out it showed a {$6400.00} credit line ( with a {$0.00} balance ) from Kay Jewelers had been closed TODAY ( XXXX/XXXX/2016 ).
I have not received any correspondence whatsoever in regards to my card ( aside from just having received a brand new card in the mail ) and as far as I am concerned my account was in very good standing.
Upon reaching out, I was advised that they have a standard policy of deactivating accounts that have not been used in a certain amount of time. Now this is complete, absolute and utter XXXX -- they do n't reach out to the consumer, send a letter advising that this is about to happen or anything -- they just simply close down a credit account that has been active and in good standing for 3 or 4+ years.
Nobody from Kay was in any position to help me whatsoever or help fix the issue, and now they 've not only lost a customer for life but they went ahead and shut down a {$6400.00} credit line that I had every intention of continuing to use.
It is absolutely heinous to me that they have absolutely no requirement or responsibility to the cardholder to advise them of something they will be doing that can so negatively impact their credit reports. Moreover, the complete apathy from Kay staff was disgusting.
|
| 08/07/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 10/01/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Closing your account
- Company closed your account
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Web |
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During a covid-19 o was laid off I call the company to let them know I wasnt able to make any payment for going hardship situation or national disasters. I spoke to one of the representatives I call a week before I was not be able to make any payment still laid off. Customer service said they will write it in my account and nothing else was told. A month later I got a warning from a XXXX XXXX my late payment and same time my account was closed I call customer service of kayj jewelry and they told me they already closed it and I ask them why when I spoke the last customer service they didnt tell me my account was going to be closed if I didnt make the payment and then few days later account closed. So the account is been closed and they keep Reporting rinsen they account been closed every month hurting my credit score I already spoke to the customer service to see if they could help for me going Trough a hardship financial and no job they did not work with me during my covid -19 disaster. They reporting late payment when I cal a head a time I couldnt make the payment to see they could work with me and nothing has happened. Im reporting them counting reporting in my credit report they just closed this account with late payment when this account has been closed since XXXX.
|
| 07/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
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Company first contacted me on XX/XX/XXXX at XXXX XXXX. XXXX. It was an automated message for a XXXX. I called the number back and they were looking for my son for a debt that was charged off in XXXX for {$63.00} at XXXX XXXX. I advised them I had paid that debt years earlier. The man on the phone connected me to what he referred to as the XXXX XXXX XXXX. I advised again to XXXX that the debt was paid and he wanted to give me an email address to send the letter of satisfaction to.
I requested their address so I could send the letter, once found to them via registered mail. XXXX would not provide an address stating it was a time sensitive matter and if I did not comply via email, they would send the sheriff to my sons address with a warrant. I warned them that I would take legal action on both them and XXXX if a sheriff showed up. He hung up on me. I found out later that they are also calling my future daughter in law nearly every day, several times a day.
Today/ XX/XX/XXXX at XXXX XXXX. XXXX, they called again. This time I told them they were calling the wrong person and to remove my number from their calling list. The man did not identify himself and began swearing at me, calling me a XXXX XXXX before hanging up.
The company identifies itself as XXXX XXXX XXXX.
|
| 08/21/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
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|
Web |
|
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Today I got a voicemail from a XXXX XXXX from XXXX XXXX XXXX. She did not disclose that she was a debt collector. Just that she was calling about a " legal matter that will require XXXX to appear in court ''. She also did not disclose that any information collected would be used for the debt collection purpose. She used language to make it appear she was from a law firm. " I 'm an arbitrator for the offices of XXXX XXXX. Never mentioned anything about a debt. Just that I 'll have to face court against the allegations against me.
She then calls my husband who answered at work saying that if we do n't pay the {$580.00} I owe by the end of business today that will sue for over {$2000.00}.
According the Fair Debt Collection Act that a collections company may be allowed to charge interest on debts they are collecting. But they ca n't charge more than the amount described in the original contract or what is permitted by law. {$2000.00} would go way beyond that. Also that debt collectors must follow the " mini-Miranda '' warning '' on voice mails and she did n't follow any of it. There is nothing actually filed in court. They caused me a lot of stress saying I was going to have to appear in court for " allegations '' when I had no idea what those allegations could be.
|
| 07/13/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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Kay Jewelers Credit Card has been calling me multiple times per day from multiple phone numbers during a time which I have repeatedly asked them not to call me. I have requested them not to call me before XXXX XXXX and they call me multiple times per day multiple times in an hour before XXXX . Today I spoke with someone at around XXXX XXXX and made arrangements to make a payment on the account and received another call not even 5 minutes after hanging up. They called 5 times on XXXX from 5 different phone numbers ( XXXX , XXXX , XXXX , XXXX and XXXX ) at the following times : XXXX XXXX , XXXX XXXX ., XXXX XXXX , XXXX XXXX and XXXX XXXX They called 4 times on XXXX from 4 different numbers ( XXXX , XXXX , XXXX and XXXX ) at the following times : XXXX , XXXX XXXX , XXXX XXXX , XX/XX/XXXX ). And today they called from XXXX different number s ( XXXX , XXXX and XXXX ) at the following times : XXXX XXXX , XXXX XXXX , XXXX XXXX ). This is just the list from the last 3 days. They have been doing this for over a week and this is harassment. This is the second time I have filed a complaint with consumerfinance.gov regarding this company and the same issue.
|
| 08/19/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2021 a charge was put thru on my XXXX XXXX credit card, for like over XXXX. I didnt know about it until I started getting notices from XXXX XXXX that my orders are on their way. I immediately called the credit card company and said please stop all orders I never placed the orders. The representative said they cant stop it. I tried to call ups and usps and whoever was going to deliver the order to tell them to return it it was not authorized by me. XXXX XXXX has the records of me calling so many times. Well XXXX XXXX couldnt stop the order and ups said I have no right to stop it I am not the sender and XXXX XXXX Would have to do it and when I called XXXX XXXX they refused because they said they cant. Well I never got the orders we dont know how they were picked up since I had no control over it. I couls not get anyone to help me. Now I reported fraud on my card for the full balance and now they are holding me responsible and the card company sent me a bill that is due and a new card but how should I pay for something I never charged that is not fair. I had my wallet stolen from a church fundraiser at the end of XXXX and thats when the charges were done. Please help me resolve this it was not my fault. XXXX XXXX is holding me responsible.
|
| 08/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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On XX/XX/XXXX I disputed my credit report which contained information being reported by Kay Jewelers.
I mailed a certified dispute letter to Kay Jewelers requesting validation of the account being reported by XXXX, XXXX, and XXXX.
I received a response on XX/XX/XXXX stating : " All account information and documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Kay Jewelers, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do validate the account, due to lack of paperwork.
The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified.
Kay Jewelers has violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.
|
| 09/10/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Older American, Servicemember |
|
For several months now, I 've been getting daily calls from Sterling Jewelers/Kay Jewelers. There are multiple Business names under the parent company. The initial calls were a script message to a person that does not, nor ever has lived at or resided in my home. The message gives an XXXX number for the non-resident they are attempting to reach. The calls originate from various phone numbers across the country. I 've researched a number of them and they all seem to originate from XXXX of the many jewelers stores under the parent Sterling Jewelers. On a few occasions, I returned the call by calling back to the number on " caller ID ''. I explained that these nuisance calls were intended for someone that DOES NOT live and has NEVER lived at my address. I explained that they definitely have the wrong number and must stop these nuisance calls. On all such occasions, they told me that they are recording my information and would remove my phone number from any future calls for credit collection. To this day, I still get daily calls from these people.
I 've been keeping track of the phone numbers that these collection calls originate from and I have compiled a list of XXXX different phone numbers that they have used in making calls to my home.
|
| 06/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
|
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I disputed a XXXX XXXX XXXX XXXXKAY 'S ( XXXX ) in regard to an unknown KAY 'S JEWELRY account after pulling my credit reports which was said to been verified. XXXX said they aquired the debt from parent company STERLING JEWELERS INC. ( XXXX XXXX ) but say they sold the debt to XXXX XXXX XXXX around ( XXXX ). All 3 companies are reporting inaccuracies to the credit bureaus in violation of CFPB law. S.JEWELERS charged off acct. on ( XXXX ) with a balance of {$440.00} which is still reported as DUE with ( XXXX ). XXXX/KAY 'S also reports acct.with XXXX as ( C/O BAD DEBT ). XXXX XXXX is reporting to ( XXXX ) the same acct. open with ( BAL.DUE {$440.00} ) on behalf of S.JEWELERS from ( XXXX ) which I believe is double jeopardy and in violation of CFPB and FDCPA. Its negatively hurting my credit score and XXXX/KAY 'S sent a letter saying they reported everything to all 3 bureaus accurately and won't remove any negative remarks. XXXX also shows a Charge-Off from XXXX/KAY 'S on ( XX/XX/XXXX ) and PAID ON TIME status from ( XXXX XX/XX/XXXX ) with Date of Last Payment as ( XXXX ). Which one is accurate. The last reports/updates are ( XXXX XXXX, XXXX XXXX AND XXXX XXXX ) which makes me believe they never actually investigated the dispute.
|
| 09/26/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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XX/XX/2018 XXXX Spoke with XXXX XXXX @ XXXX XXXX XXXX XXXX ( XXXX ) about SETTLEMENT AGREEMENT for balance due of {$2200.00} to XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX.
Settlement agreement for the amount of {$800.00} made between XXXX XXXX XXXX on behalf of XXXX XXXX. Initial agreement was for 3 payments of {$260.00} to paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018.
Modification made to initial agreement made Monday, XX/XX/2018 with XXXX @ XXXX XXXX XXXX XXXX for 2 payments ; XX/XX/XXXX {$260.00} and XX/XX/XXXX {$530.00}.
Settlement was paid according to initial and modified agreement. I have attached transcript of phone recording, letter confirming settlement agreement from XXXX XXXX XXXX XXXX, and bank statements confirming payments.
My account has been reactivated on my credit report. I have been called no less than every few hours every day by XXXX XXXX in an attempt to collect the full amount of the debt that was settled XX/XX/2018.
I want removal of the account from all 3 credit bureaus. I want a letter confirming the account has been settled and paid in full from XXXX XXXX XXXX XXXX and XXXX XXXX. I want to have them apologize for harassing me every day with collection calls and if you can fine them, please do.
|
| 07/28/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Kay Jewelers is reporting erroneous derogatory information to all XXXX of my credit bureaus. Upon opening a Kay Jewelers account I opted in a insurance payment coverage protection plan offered by Kay Jewelers. I utilized my payment protection plan when I became unemployed & the insurance protection plan covered my remaining small balance with Kay Jewelers. Kay Jewelers reported this account as a charge-off with a {$0.00} balance & with the original creditor as XXXX XXXX. This is not accurate. I utilized insurance offered by Kay Jewelers which paid the remainder of my account well prior to this account being charged off or in any derogatory standing. Kay Jewelers failed to apply the insurance payment to my account after numerous correspondence that it would be applied and leave my account open with a {$0.00} balance. After several failed attempts to resolve the issue I learned Kay Jewelers submitted the insurance payment that was suppose to cover my Kay Jewelers account to an outside charge-off company, which is a breach of contract. Kay Jewelers is willfully reporting erroneous information to all XXXX of my credit bureaus. I will continue to document & utilize every resource to get this issue resolved.
Account_Number : XXXX
|
| 11/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
When I opened an account with XXXX XXXX of XXXX, I was advised the account would remain open with them as long as a payment was made or a purchase was made at least once every two years.
Recently, however, XXXX decided to outsource the managing of their accounts to a third party bank, XXXX XXXX. XXXX XXXX has numerous complaints about them online, and I 'm not sure why XXXX partnered with them to begin with.
To make matters worse, when they transferred my account to XXXX, XXXX reported to all of the credit bureaus that the account had been closed with them. This caused my line of credit with XXXX to disappear, and my credit card utilization skyrocketed as a result. All of this happened without my being notified, and it happened as I was applying to cosign a loan. Fortunately, the loan was still approved, albeit at a higher interest rate.
I attempted to contact XXXX customer service numerous times, but their system transferred me to XXXX XXXX XXXX customer service each time.
This was a terrible customer service experience, and I do not feel I can trust XXXX moving forward. I would encourage everyone to avoid XXXX at this point unless they plan on being more transparent and better customer-service oriented in the future.
|
| 07/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I received mail from a company called XXXX XXXX XXXX, XXXX specifically the " XXXX XXXX & Servicing Department '' in regards to a collection I owed to XXXX XXXX. They said it was a Notice of Bank Levy, for owing XXXX XXXX {$790.00}. It said the default in question was originally recorded XX/XX/2015 and was in statue for involuntary recovery. The notice looked fake, and had the appearance of a court order, with the whole them vs me complaint, but was not signed, or stamped or anything. They did have my correct DOB, SSN, and former account number on it. So I called XXXX XXXX to see what I owed, if any, and they told me to call their debt collector, XXXX ( XXXX XXXX XXXX ). So I called them and they said I had that account resolved a long time ago, and they will send me a copy of the receipt as proof ( I do not have at time of this complaint ), and to ignore this false document I received. There were a lot of threats in said letter, such as bank levy for my accounts, affecting credit, and garnishing sources of income to include wages and accounts. I know this is not the case so I wanted to submit a complaint about it. The number on their mail they had listed is as follows : ( XXXX ) XXXX as phone, and ( XXXX ) XXXX as a fax.
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| 09/08/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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I have had a Kay Jewelers Credit Card for about 6 years now and had never missed a payment. XX/XX/2016, I was late for the first time ever by about a week on a payment because i had just had my daughter and was on maternity leave and had totally forgot to make the payment. Kay Jewelers contacted me and I made the payment over the phone with them and apologized for forgetting to make the payment. They told me no worries and everything was fine. I visited a Kay Jewelers in XX/XX/XXXX to attempt to purchase my daughter an earring because she had lost one. When the store manager attempted to charge it to my credit account, he received a phone call from their corporate office stating that my account had been closed because " my credit score was not what it was when I first opened the account. '' That is extremely unprofessional and I am appalled that I was not notified prior to that visit that my account had been closed. It 's very sad that I found out my account had been closed WHILE AT THE LOCATION in front of all of the employees and customers. Terrible customer service. Terrible company. I have since stopped paying my bill since my account has been closed and because I am extremely unhappy with the company as a whole.
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| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I recently, submitted a dispute to XXXX about the way Jared-Galleria Jewelry is reporting on my credit report. On, XX/XX/XXXX, I received a response back from XXXX stating that Jared-Galleria Jewelry has CERTIFIED AND VERIFIED the information to be " Accurately '' reporting. I'm confused as to how this account could be VERIFIED AND CERTIFIED TO BE ACCURATE when there are several errors in the way this is being reported : 1 ) XXXX reports that this account was closed " XX/XX/XXXX '' this is totally a contradiction to how it is being reported in the " Payment History/Rating ''. Payment History clearly shows that this account was open in XXXX and did not close until the latter of XXXX. Secondly, XXXX reports that the " High balance '' on this account is {$1400.00}. This totally confuses even the most expert because the credit limit is {$1500.00}. How could the Highest balance be lower then the credit limit? Next, XXXX fails report the Date of First Delinquency which is required because it helps to identify the purge date. This all leads me to believe that XXXX did not conduct a reasonable independent investigation. Using XXXX or parroting what a creditor says is not satisfactory for an independent investigation.
|
| 05/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Received a call from an very rude gentleman saying that a debt was owed and if I did not respond within 2 hours, they would issue a warrant for my arrest. I asked what the debt was about, they referred me to an alleged attorney 's office. Attorney name was XXXX XXXX XXXX. Phone # XXXX XXXX XXXX. Spoke with them. Asked them to provide me a copy of the debt. They said they did not have that info and they referred me to a company call XXXX in XXXX XXXX, CA. Phone # XXXX XXXX XXXX. The attorney said that this is the company who owned the debt. Called that number. The lady answering the phone was extremely rude. I told her i was calling to try to resolve the debt in question. She had faxed me a credit card authorization form and a letter stating that the debt was due today. She told me that if the debt was not paid, they would have me arrested. I explained that i didnt want to give them credit card information and asked if i could pay with money order or certified check from my bank. She said no, credit card only. I told her i wasnt giving her a credit card and she said then i would just suffer the consequences. I asked her for a written validation notice ... she said " you owe the debt, just pay it ''.
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| 09/11/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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I have got accepted for a Kay jewelry account on XX/XX/XXXX they sent me a email stated if I dont receive my membership information within 10 days to call well I did and the first customer service rep told me I had to wait until the XXXX I told her no someone used my card that I didnt receive it can she block my card and and do a fraud claim so she did so I called back on XX/XX/XXXX to see what is going on now they stated that I have to pay for the chargers {$250.00} that I did not do and these happen in XXXX somewhere i live in XXXX nj I dont drive or have a license and that I will get a late fees on all 3 of my credit report that seem so unfair that should be put on hold until they are done with the investigation I never heard of this in my life its a new account who in they right mind will spend the whole amount and the card was already activated and that shouldnt never happened period I should be allowed to activate my own card thats attached to my cellphone number that is listed if I knew this type of card does that I wouldnt never applied I have paid all my account in full never missed a payment now this card going to mess me all up and Im XXXX I wonder will they do this to a XXXX person!!!
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| 09/10/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/2017 I was shopping for a wedding ring with XXXX XXXX ( Location : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ). I found a ring that I liked and there was a special running through the end of the week. The clerk suggested that I put the ring on " Hold '' using my already existing XXXX XXXX credit card but that he would only be able to hold it through the end of the week.
On XX/XX/2017 the XXXX XXXX store clerk called me to ask if I had decided yet, I told him at this time that I had changed my mind and would not be buying the {$7000.00} ring. He told me " Not a problem, I will remove the hold on your card and put the ring back in the case ''.
Over the last 9 months I have been arguing and deputing with XXXX XXXX who are convinced I now owe them {$250.00} including late fees and finance fees. This has had a negatively impact on my credit score, caused me much stress, and wasted considerable amounts of my time.
Both of the " investigations '' by XXXX XXXX came back indicating that a Gift Card was purchased for {$100.00} on XX/XX/2017 and that my depute was invalid. I have never received a gift card and have never bought any merchandise from XXXX XXXX.
|
| 03/31/2017 |
Yes |
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Web |
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After reviewing my credit report, I 've notice that I hand a credit inquiry from sterling jeweler. In XX/XX/2016, I sent a letter to Sterling Jeweler requesting that they investigate the inquiry and advised them that it was I that had made the attempt to get a account with their company. I received a letter back from XXXX from customer care department in reference to my letter ( RE : XXXX ) stating that on XX/XX/2016 it was attempt to receive credit online and that by signing the credit application I authorized the inquiry. Again after disputing this item, continually asking for more proof that it was in fact I that made that request, I received nothing. No proof, just a representative telling me I did. I 'm very shocked how in this day of time, how can a company not show proof that someone is utlizing someone else 's identify to obtain a account especially being that this is over a computer where anyone can claim they are that person. Identify theft thru a computer system is very known and used by hackers or anyone trying to obtain something in someone 's name. Also I would like proof of my signature on the application because I guarantee it is n't not mine or something I authorized.
|
| 12/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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After repeatedly contacting the company regarding an error on their part Ive gotten nowhere. Their company placed my account in a bankruptcy status which resulted in me not being able to pay my bill or receive statements. I called and called and continuously tried to explain to them that the account was opened after my bankruptcy and traffic their had to be a discrepancy on their end. After receiving horrible customer service and being transferred multiple times they finally heard me out and opened a dispute. They saw that someone on their team dropped the ball by having my account closed and placed in that status. They apologized for the inconvenience and the mistake on their part but due to this i have suffered tremendously. They reported 60-90 day late payment to the credit bureaus and are refusing to fix that! My credit has dropped tremendously because of this. I had never reveived a statement and didnt know i had a bill until i called! Even after calling they couldnt accept a payment from me. Ive been trying to pay since XXXX! I want those derogatory remarks removed from my report along with all of the late payment fees! This is by far the WORST COMPANY IVE EVER DEALT WITH!!!!!!
|
| 12/14/2016 |
Yes |
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- Credit line increase/decrease
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Web |
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I recently opened a new credit account with Kay Jewelers and was approved for a {$1000.00} credit line. After the account was approved, the available credit was subtracted by {$530.00} for a previous Chargeoff account that was sold to XXXX in XXXX. I satisfied the balance IN FULL with XXXX XXXX XXXX on XXXX/XXXX/XXXX and I showed Kay Jewelers XXXX XXXX XXXX ( XXXX Virginia ) location a copy of the payment confirmation letter on XXXX/XXXX/XXXX. The representative called Kay 's Credit Authorization department and confirmed with the department that the previous account balance was paid in full.
I contacted Kay customer service department today XXXX/XXXX/XXXX after confirming that the available credit has not be restored via their company 's online account service and phone XXXX.
I spoke with the customer service representative XXXX, she contacted the Credit Authorization department who advised that my account available credit will continue to reflect incorrectly on the consumers side ( online account and phone XXXX ) but if I needed to make a purchase I would still have my full available credit available to use despite the inaccurate representation online and in the XXXX.
|
| 08/09/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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So many issues with this account I have been in touch with Jared with whom refers me to XXXX XXXX and XXXX with whom refers me to Jared. My account was enrolled in Covid 19 payment protection for XXXX and XX/XX/XXXX additionally the account was closed and I was passed around from department to department with zero answers then I was advised a change in credit profile during a world pandemic the only changes in question were a result of similar arrangements with other creditors most of which in writing and since corrected due to backlog yet XXXX refused to reopen and fix. I already had an active dispute as sole reason for getting the card was the manager telling me about 0 interest period yet they billed me interest non-stop Then last year in response to Consumer protection inquiry because they breached their covid 19 arrangement with me they fixed all was well until XXXX XX/XX/XXXX now they readded when I again followed up about the interest period. I have this in writing and verbal on a recorded line that this was both agreed to and then subsequently corrected yet now I am dealing with it all over again if they are not corrected I will have to explore all legal remedies.
|
| 05/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I got a loan for a diamond ring from Jared Galleria for a little over {$9000.00} and was told I could return it within 30 days. I did return it within 30 days and they said everything was fine. Next thing you know it shows up on my credit report as a late payment. I never made one single payment, yet the history shows I paid for 1 year 3 months, then missed a month, then paid two months and then was 120 days past due 5 months later ( then charged off ). This is all entirely bogus, not a single payment was ever made and it was returned within 30 days as stated earlier.
Following this they sold the debt to XXXX XXXX as a collection, which as I've been told still reports after 7 years... so this bogus situation is really hurting me. It will continue to affect me until something is done to remove not only the falsehood of the entire Jared Galleria listing in my credit report, but also the collection account from XXXX XXXX
( By the way, the XXXX balance was around {$270.00}, which wouldn't even make since balance wise with the payments they claimed I made ) I have tried numerous times to dispute this with Jared Galleria, XXXX XXXX and all 3 credit bureaus. Please help!
|
| 05/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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|
Web |
|
|
Hi! So I recently got scammed by a what I feel is a fake collection agency trying to get money on an old debt ( Kay Jewelers ) ( 5 years ago ) that shows on my credit report as charged off bad debt The company that contacted me is XXXX XXXX XXXX. There is no website for them. The address on their letterhead which only came by email comes up as a XXXX XXXX - # # # so Im guessing a PO Box and their phone voicemail is hi please leave a message after the tone with your reference # nothing mentioning their name or anything. I had a really bad feeling so i cancelled my card and filed a possible fraud report. After they already took {$300.00} from me. They threatened me on the initial call that I had 24 hours to set up automatic payments or they were going to serve me papers at my home or place of employment and that I had to promise to have the money in there because if not it would make him look bad. They have been calling me daily since the missed payment this past Friday. A friend of mine who works in collections for a different department said it comes up as a fake company and on my bank account shows XXXX which also comes up as false. No finding them online either.
|
| 09/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
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I owe a balance with XXXX. Due to some financial issues I was not able to make my monthly payments. They had contacted me and I had explained the situation to them. After that they had contacted my place of employment and I involved them that I can not take personal calls at my job. After that I spoke with them again and I told them I could make a payment but not until I got paid. They told me that they needed a payment sooner than I could pay them then stated that if I didnt set something up they would preceed to garnish my paycheck. They then called my job once again at this time I had changed locations and they called my new location and once again I told them I cant take personal phone calls. I had spoken with someone who stated that my file had a status not to contact me and that I would have to contact them. Needless to say a few days later they contacted me again. I understand that I owe a debt and I am willling to work with them to pay it off but I would like the phone calls to seize. They stated my account is in legal status I said I could make a payment but they said it wouldnt be enough. I think that some type of payment is better than no payment at all.
|
| 06/18/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I had two separate Jared gallery Jewelry account. One has been settled and paid in full due to account balance was incorrect. The second account has been back and forth in XXXX county court. We came to a payment agreement however I lost my job and was unable to make my 1st payment. About a month or so after I contacted the to try to settle the account however they are not willing to negotiate the balance and they wanted to include interest. I have repeatedly called and sent notarized letter requesting to pay off account and the refuse to accept my offer due to the fact they want to include interest. I have been working really hard the last few month to work on my credit & had several thing removed. I am trying to buy a home and this is the only account I am still having trouble with. The Original Balance is {$3500.00} and I was offering $ XXXX {$2200.00} to pay off and they refused my offer. Then turned around and lied to CFPB advising they had tried to settle account. This company only want to keep charging interest to try to collect more money and to but me in debit. I simply want this behind me already. All my other debit are settled and cleared. See attchments
|
| 08/07/2015 |
Yes |
|
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Web |
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I applied for XXXX separate credit cards with Sterling Financial ( Bank ). Kay, Jared and XXXX Jewelers. Each time I was approved for {$1500.00}. When they start reporting to my credit report, they only report as {$500.00} each. When I log into each separate website, for each store, it says my credit limit is {$1500.00} for each store. No where in the agreement online, or the application/approval process did it say they split the limits. I called customer service XXXX and was told basically " that 's just the way it is ''. This is shady business. Making customers think they are getting separate accounts when it really is only XXXX limit. On top of this, my credit report was pulled at least XXXX of the XXXX times I applied, causing my credit score to drop each time and also creating additional inquiries on my report. This is unfair and misleading to customers. If they only want to give me XXXX limit, then at the very least, they should only be pulling my credit XXXX time. AND, they should be putting this in a statement on the application and credit agreement. This is not the case.
I want the {$4500.00} total for the XXXX cards as I was made to think I was getting.
|
| 11/09/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Account sold or transferred to another company
|
|
Web |
Servicemember |
|
I opened a Jared jewelry credit account on XX/XX/XXXX. At the time Jared required 20 % down on all purchases for a year, I agreed and purchased some items, I called back on XX/XX/XXXX and asked what day would I be able to shop in XX/XX/XXXX without the 20 % down, and this company they have now called XXXX said that I should of never been charged 20 % down in the first place and let her ask her supervisor, so she gets back on the phone and sais, my supervisor said if you have any problems when you go to Jared have them call the authorization dept at XXXX, so I take an hour drive to Jared in XXXX XXXX XXXX XXXX XXXX Michigan, and the clerk called and told her it ca n't be removed, so I called from the store and got a representative on the line told her I was recording this call for my clarification, and I asked her, to read the notes from my very first phone call to there company on XX/XX/XXXX this is what she said " customer wanted to know if 20 % could be removed spoke to supervisor and told customer it could be removed " I can send you flash drive if you need a copy this is deceptive practices and this report will be forwarded to the federal trade commission.
|
| 08/11/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
XX/XX/2019 - Fraud was performed in Kay Jewelers XXXX XXXX near XXXX Arizona. An unknown individual with my drivers license information opened an account, and purchased several watches totaling : {$5700.00}.
This also happened at 3 other stores in the area. Those 3 stores ( XXXX XXXX, XXXX and XXXX XXXX ) all accepted my Victims ID Theft Affidavit and the fraudulent accounts were promptly removed from my credit report.
XXXX XXXX XXXX Jewelers however, insist that I was there at the time of the transaction. They insist that the signature is my signature. This is after 2 tries at their 45 day investigation waiting period ... I'm getting no where with them.
The XXXX Police ( I have an official report # XXXX, with XXXX XXXX on the case ). However, even they aren't able to get timely corporation with Kay Jewelers Security, to retrieve video footage.
Meanwhile I now have 3 missed payments and ~ $ XXXX worth of credit that's not mine on my credit report.
This is during a time that I could be refinancing my house, cars, etc for good rates ... but I am severely affected by this and no one will help me.
Do NOT do business with XXXX XXXX XXXX or Kay Jewelers.
|
| 05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have an account with a jeweler that has always been current. I have even met the requirement of paying off balance in 12 months with no interest. For some reason that past three months starting in XXXX. Paying through the companies ' portal has been a mess. Ill make monthly due payment and later down the road theyll be calling me asking for payment. When I go check on portal it has said my payment was reversed with explanation. This has happened more than twice and unfortunately the last time it happened they marked me 30 days late which I think is unfair. They have been unwilling to provide me with explanation on way the payments are getting reversed. I have been financial capable of paying this account for the past year in a hlaf since it was opened. They recently changed online portal and system to pay on account but still give no valid explanation on why my payments havent been going through when funds have been available. On top of that when I called to let them know I was upset they marked me 30 days late they had offered me no assistance or help. Ive always paid this account on timely matter and I think it is unfair for them to mark me 30 days late.
|
| 03/25/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am having a lot of issues with XXXX XXXX/ XXXX XXXX XXXX store card account. I have charges on my account that I know are not mine and XXXX XXXX will not dispute accordingly to my standards. They sent me a letter in the mail stating the process is in dispute, then three days later they stated in another letter that the dispute is now closed and that I owe more money than what is actually on my account stated. This all doesn't make sense. I informed them that I will not be paying for something that is not mine. Also they have no proof of the purchases, how is this my problem? Also they state that they will not credit my account and I owe {$2000.00} on the account when it states {$1700.00} is on my account. This is clearly a mistake. I have no other option to rid this debt on my behalf. My account is closed with them also I will not be doing business with this company ever again in my life. I was treated poorly, unfair, unprofessional. I was laughed at on the phone by 2 of the customer service people. This is a serious situation and I will not be out thousands of dollars to their stated amount that I owe, in which I do not owe a cent to XXXX XXXX
|
| 04/24/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
On XX/XX/XXXX, I went into Jared 's Galleria of Jewelry, and was interested in purchasing something. During this visit, the salesperson wanted to run a credit check to make sure I would be eligible for financing. They told me that they would run a soft pull of my credit just to see if I qualified for financing. At no point did they mention a line of store credit, or tell me that I would receive a card.
A couple weeks later, I receive a card from Jared in the mail, that I never activated. I then got a notification from my Credit company that another credit account was opened for me with a XXXX balance. I called the Company and they claimed I should have been told about line of credit, but I was not. They also falso claimed that if I don't use the credit card within 60 days or so, it would automatically closed. Which I confirmed with the bank that issues the cards, that it wouldn't be going anywhere unless I cancelled it. I got a hold of the card issuer and they cancelled the card for me immediately, noting that it was an unsolicited line of credit. I just want to make it known this company is pushing this line of credit on their customers.
|
| 09/10/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Order XXXX was placed by XXXX on my XXXX credit card in XX/XX/2018. When I realized the order was placed on my credit card and not the store gift card, I immediately requested a return label for the items purchased totaling {$2500.00}. I received an email from XXXX ( customer care rep at XXXX ) on XX/XX/18 where he provided me with a return label to ship the items back to the warehouse. I then shipped the items back to the warehouse using the shipping label he provided me.
After several months and calls to XXXX customer service, I was unable to obtain a credit for the merchandise that I returned. I was repeatedly told that I would need to pay for the items. After checking the XXXX website on XX/XX/2018, to assure the items were received by the warehouse, I then took a screenshot of the page that displayed " RETURNED TO XXXX, OH, US '' I then started reading reviews about XXXX online and realized that this was a big issue that customers have experienced for years now. I have repeatedly tried to dispute this from my credit, but I have not been successful.
After I advised XXXX customer service of this, they refused to credit my account.
|
| 03/21/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have received numerous phone calls to my cell phone number, my home number, my girlfriends cell phone number, and to my place of employment from XXXX XXXX with XXXX XXXX XXXX or with XXXX XXXX XXXX. My girlfriend asked me how her number is associated with this account and he said i have her down as a reference, however I never knew my girlfriend when i had this loan or when i paid it off. I spoke with the representative from XXXX XXXX XXXX and told him this debt was paid back in XXXX as it was going to a legal issue and I made payemtn arrangements out of my bank account to pay the debt off. He mentioned he is looking at my credit report right now and it is on their, I never gave him permission to pull my credit report, also he wanted me to work with him to make payments, I explaned to him this debt was paid off and I believe you need to send me a letter verifying the debt before harassing me with phone calls. He said they did back in XXXX, so I asked hime to send me another in certified mail and he said he would not because that costs money. I told him until I receive a letter verifying the debt to stop calling me and hung up on him.
|
| 09/25/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
There is a account that my mortgage loan officer found while im in the process of getting a mortgage with the creditor name Kays Jewelers that show it was opened in XXXX and its a bad debt placed for collection with the last four of the account number showing as XXXX. I 've contacted this company on numerous of occasions to tell them about this fraudulent account and was willing to send a copy of my fraud affividat and police report because i 've never had or opened a kays account and I demand this company remove this account from national credit reporting agencies and my liabilty from this account within of 5 business days of recieveing this notice. The company has ignored my correspondence regarding this issue and if they do n't remove my liability and this account from my credit reports I 'm going to file a lawsuit in the court of law on the 6th buisness day along side my lawyer for puntative damges and emotional stress in the amount of XXXX dollars if they dont get this issue resolve. Identity theft have taken control a big part of my life and i 'm not just getting things in order and I wo n't let this happen anymore.
|
| 09/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX, XXXX AND XXXX CONTINUE TO REPORT CLOSED ACCOUNTS AS OPEN CREDIT DEBT WITH MONTHLY NEGATIVE ACTIVITY AS RECENT AS XX/XX/21 AS BEING LATE. THESE ACCOUNTS HAVE BEEN CLOSED FOR YEARS. Either included in my BANKRUPTCY, AGED OUT or AGING OUT. NOT ONLY ARE THEY REPORTING THESE ACCOUNTS WITH MONTHLY LATE PAYMENTS, THESE ACCOUNTS ALSO SHOW IN MULTIPLE COLLECTIONS. THIS HAS HAD A TREMENDOUS NEGATIVE IMPACT ON MY CREDIT REPORT FOR THE PAST 5-7 years. I HAVE CALLED, WRITTEN, DISPUTED AND PROVIDED DOCUMENTATION AND NOTHING HAS BEEN DONE. Every time I try to resolve the issue it gets worse! I have contacted your department multiple times. I have also contacted the various CREDIT COMPANIES and FILED DISPUTES AND NOTHING IS BEING RESOLVED. XXXX XXXX XXXX, XXXX AND ALL XXXX XXXX ACCOUNTS and OTHER CONTINUES TO REPORT MONTHLY WITH HAVING LATE PAYMENTS ON CLOSED ACCOUNTS THAT HAVE NO ACTIVITY OF ANY KIND BECAUSE THEY ARE CLOSED, IN ADDITION TO HAVING THE SAME ACCOUNTS IN COLLECTIONS. DOUBLE NEGATIVE REPORTING ON CLOSED ACCOUNTS. THESE ACCOUNTS HAVE BEEN CLOSED FOR 57 YEARS. THEY SHOULDNT BE REPORTING ANY ACTIVITY IF ANY KIND.
|
| 04/07/2015 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
|
|
Web |
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XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) came to my grandparents ' home saying that I had been sued and that they were trying to serve me. They did not provide any validation notices, etc. They are using deceptive practices and probably engaged in the unauthorized practice of law. Called their offices. They said that this involves Kay Jewelers. I can not believe that Kay Jewelers would use a place that uses these tactics. When told that we would pursue an FDCPA suit, XXXX XXXX at the law firm said sarcastically " Good Luck. '' When asked to leave a message for the identified lawyer, XXXX XXXX, XXXX XXXX said that he probably would n't call back. XXXX XXXX of the same firm said he did n't know who XXXX XXXX was and would not connect me to a supervisor and XXXX said that there were no supervising attorneys to connect me to. It looks from this website that others have had similar experiences with these people. They claimed there was a XXXX XXXX XXXX lawsuit filed against me, but my lawyer has checked the dockets and none have been filed. These people and their tactics should be stopped.
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| 12/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX with no resolution because each organization states it is not their responsibility to report my payment.
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid.
The account listed on my credit report is XXXX XXXX, the collection agency I paid in full is XXXX XXXX XXXX XXXX XXXX. I have the letter showing that I satisfied this debt and it is attached to this complaint.
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| 02/09/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Other features, terms, or problems
- Other problem
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|
Web |
Servicemember |
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Back in XX/XX/XXXX, I made a complaint with the BBB regarding the company XXXX XXXX XXXX XXXX that recently took over the billing for XXXX XXXX back in XX/XX/2017. The account is in my husband 's name, which the account is an XXXX account since he is in the military and the payment amount changed to {$48.00}. For whatever reason, XXXX can't seem to get it correct. They call our home, literally starting at XXXX to XXXX, over XXXX 's a day. Once I speak with them, which they are allowed to discuss the account with me, they state the account is {$740.00} past due. We have been going back and forth with this company not being able to get this account correct since they took over the billing in XX/XX/XXXX. Here we are 4 months later, with my husband 's credit taking a hard hit because XXXX can not get their billing together. I am tired of them calling my home everyday all day with the wrong information. Even if we paid the correct amount that is due, with their system not corrected it will still show the account past due. We need this fixed and calls STOPPED! The apologies are starting to wear thin.
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| 05/15/2015 |
Yes |
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Web |
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I have been dealing with Kay Jewelers recently over constant lies to me and misinformation. When i signed up for 12 months interest free financing i new it was on that particular item, 4 months later i bought another item not included in the 12 months free program and i asked will that mess up my interest free financed item they said no, well it did because at the end of the 12 months my balance was way higher than should be and i was charged back fees. their excuse was i was late multiple times which there lays another problem, anytime i missed or was late i called and paid it asap and asked each time was there a late fee and i was told no. they then said they can refund part of my account, {$160.00} dollars than after it posted they recharged it. i have called them numerous times. they will not help, they say they will look into and call back and i have been waiting on the calls, some of their tactics should fall under predatory lending since they told me i didnt owe any late charges when they knew i did and they knew that would cause me to not be at a zero balance at the 12 months as well.
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| 08/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
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Web |
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I went into a Jared Jewelry Store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX the other day. While I was there my girlfriend was trying on rings, the manager pulled me to the side and told me he could do a quick check to see what kind of financing I would qualify for when the time comes. He clearly advised me this was not an application for credit, but a means of seeing how much credit I could be preapproved for. I even double checked and was clearly assured by XXXX XXXX and XXXX that this was not an application for any type of credit and would not cause a hard pull on my credit report. It turns out they were both knowingly lying and filling out a credit card application on my behalf, XXXX XXXX even exaggerated my income and put down {$3000.00} per month after I stated {$2500.00}. This is an unfair and deceptive practice, at no point did I have the opportunity to see the terms of the product I was applying for as I was repetitively assured that I was not applying for anything. This experience exhibits the exact practices that UDAAP and Regulation Z aim to eliminate.
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| 01/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The credit reporting agency allowed the same company to be listed as a charge off on my report and a collection under two different names but they are the same Kay Jewelers also known as Sterling Jewelers. Kay Jewelers put a charge off on my report in XXXX but did not issuse a 1099 from the IRS. On XX/XX/XXXX nearly eight years later the same company reissues a collection account brand new on my report. XXXX XXXX XXXX opened and old charged off account nearly eight years old as a new collection. The collection agency claims this fraud is allowed for the same company to continue open old accounts as new causing great economic harm to my family. XXXX XXXX XXXX knowingly and fraudulently opened an eight year charged off account as new, this is not legal. I have filed numerous disputes with the agencies biut to na avail. XXXX XXXX XXXX are fraudulently opening up new collection accounts under a different name. Kay Jewlers and Sterling Jewlers are the same compnay. This company is trying to apply double jepoardy by destroying my report and using criminal fraudulent tactics.
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| 07/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Kay Jewelers allowed a friend of mine to use my account without my knowledge. My boyfriend at the time went into a store in Virginia for a cleaning of a product I purchased. Subsequently, the product was damaged by an employee during cleaning. They offered to fix the damage. In the meantime, my boyfriend asked if they could provide a " loaner pair '' of the same earrings until these were fixed. He was not authorized in any way to use this account. Not only did the employee allow him a new pair of earrings in my name, he also raised my credit limit in order to put this purchase on my account. No notice to me about what was going on, no signature from me, no call, nothing! When I found out what happened ( through a phone call I made inquiring about my increasing bill ), they told me about the purchase. I told them that 's impossible as I was at work that day and no one else has authorization to use my account. Long story short they stated they removed this employee from the store and also would credit me with the cost ( neither of which really happened ).
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| 09/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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I received a voicemail on XX/XX/2020 at XXXX XXXX ( I was at work so, I stepped outside at XXXX XXXX on XX/XX/2020 ). I spoke with XXXX XXXX at XXXX XXXX XXXX XXXX. I set up and paid the first installment of a 10 month payment plan. Once I got home after XXXX XXXX, my brother handed me a written message that XXXX XXXX had called and stated that he was attempting to get ahold of me in regards to 2 clients that had claims against. When I spoke to XXXX XXXX, he had mentioned only 1 client and that's the one I made arrangements to pay. The claim number I was given by XXXX and the one my brother had written down were the same, but the phone numbers were different. The phone number I was given is XXXX ext XXXX, the number my brother was given XXXX ext XXXX. There never has been any authorization for anybody to speak about debt but me and I do not know how XXXX XXXX had gotten my brother 's phone number. I am very upset with the way this was handled with XXXX XXXX and I am thinking of getting an attorney involved, that was a full violation to my privacy.
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| 04/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX, I paid off an account with XXXX XXXX through their collections agency XXXX XXXX XXXX, XXXX in the amount of {$250.00}. On multiple occasions for the last 7-8 months I have attempted contacting XXXX XXXX and have submitted multiple disputes through all three major credit bureaus to have my account updated properly to note that the account was in fact paid. On XX/XX/XXXX a complaint was submitted through CFPB for this exact issue and on XX/XX/XXXX a response from the company specifically XXXX XXXX advising that the account would be updated for any errors. As of today XX/XX/XXXX the account still has yet to reflect being PAID. This causes many issues with potential future loans as other creditors see the XXXX XXXX account as an unpaid charge off which is in accurate. It is absolutely absurd to go through this much effort to have one single word added to an account. The next step I make will be with a Collections Attorney if this issue is not fixed and my account is not ACCURATELY updated. I left feedback on the previous dispute as well.
|
| 04/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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This company fraudulently duped me into a credit card without my knowledge. I never signed a contract or had prior knowledge of a impending sale or transfer to XXXX XXXX XXXX or whatever name they go by.
I had a {$7000.00} Credit Limit with Kay Jewelers which never exceeded {$6400.00}. The new company caused so many problems that my loan was sold to any attorney XXXX XXXX XXXX whom I settled with & had deleted from my credit profile.
This fraudulent Ad / XXXXXXXX XXXX Kay Jewelers Company keeps reporting fraudulent information stating that I held a highest balance with them of $ XXXX then more recently $ XXXX I've tried to dispute this erroneous information & I've even called them to personally ro express my concern & dismay about this fraudulent information.
This is my final attempt before seeking legal means to delete this from my credit profile forever.
I am aware that others have had the same issue that I endured. ( See Below ) XXXX XXXX /XXXXnews/sterling-jewelers-comenity-bank-hit-with-class-action-over-phony-store-credit-card-sign-ups
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| 12/30/2015 |
Yes |
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- Unsolicited issuance of credit card
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Web |
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I was at Kay Jewelers in XXXX XXXX, FL and the salesman asked me if I was a rewards member. I replied no, but was interested because I wanted to get my girlfriend a pricey set of jewelry. The man said that with the rewards card I can also finance some of their products too. I believed that was great but I did n't want to take out any credit cards, so i asked the man if it was a credit card, or if it will affect my credit. The man assured me that it was not a credit card, and that it is only for financing in store, so it wont affect my credit. I was like OK great, let me sign up. I later in the month check my credit through an online credit checking service, and my credit score had gone down about XXXX points due to a new line of credit and a hard inquiry in my credit.I did not solicit a new line of credit and i was not told it was going to affect my credit, the salesman said rewards card that also allows for financing. I specifically did not want to touch my credit because I plan to buy a car and I wanted my credit to be good not XXXX points lower.
|
| 02/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XX/XX/XXXX I sent in a dispute of late payments on my credit reports to Kay jewelers. Since then, I have gotten 3 letters from Sterling Jewelers with different ticket numbers saying they need my full security Social Security number, my date of birth, and my previous address if I have recently moved. Although all that information was on my original letter, I did respond with the information they asked for on XX/XX/XXXX. I am still getting letters from them most recently on XX/XX/XXXX. I am quite confused about these 3 responses asking for the same information which has been given to them and wonder if they can even find my account. In addition, they have also sent me records of another persons credit history with them accidentally sent to me. This is a violation of all aspects I can imagine.
My original dispute was of late payments not correct. My account was paid off and I did not agree with late payments on certain dates. At this point I have not been furnihsed any information for the account I am disputing and it has been well over 90 days.
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| 02/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
|
Kay Jewelers and XXXX XXXX XXXX has/have reported to the credit reporting agencies that I have bad debt ( {$850.00} ) or bankruptcy XXXX XXXX. This KAY Jewelers charge card account was opened in XX/XX/XXXX. Kay Jewelers are reporting that the debt was discharged in XXXX XXXXXXXX. Any XXXX XXXXXXXX ever filed using my name was dismissed in XXXX. KAY Jewelers is also reporting that it was charged off in XXXX. I reside in the state of Georgia. The statute of limitation has expired for any debt collection in reference to this KAY jeweler account. kay JEWELERS SOLD MY ACCOUNT TO XXXX WITH PERMISSION have disputed this with XXXX, XXXX, and XXXX XXXX reporting agencies on more than one occasion. XXXX XXXX removed this account but KAY JEWELERS still reporting and needs to remove the entry and complete account and line entry from my credit profile immediately. I have contacted all parties involved and filed disputes. I am prepared to take legal action and complaints to XXXX and FTC. THESE COMPANIES ARE IN violation OF THE FAIR CREDIT REPORTING ACT.
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| 02/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I tried to dispute this account because it has been over 8 years that this account has been opened and I wanted it to be removed from my credit report. As the result, this account came back on my credit report re-aged.
I spoke to XXXX and they told me my account can not be removed because with a {$0.00} balance I need to wait 10 years. And it is showing a new date as XX/XX/XXXX and this account will be removed from my credit report in XX/XX/XXXX. They re-aged my account and told me there's nothing they can do about that.
They also told me to try and contact the creditor company and ask them to send an authorization to remove the account.
I called the creditor company and they told me it is impossible that my account re-opened unless I applied for a new credit line which I did not. I tried to explain the situation to her which she did not want to listen, and she told me they can not remove anything.
I know my rights and I know that they can not leave bad debts more than 7 years on my credit report and re-aging accounts are illegal.
|
| 08/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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and I purchased my wifes engagement and wedding ring from XXXX XXXX from your retail store in XX/XX/XXXX. I have made my monthly payments on time and made my last and final payment of {$1000.00} in XX/XX/XXXX. I received a receipt once my payment was finalized. However, months after the payment was made I checked my credit online and it showed I had an outstanding balance with XXXX. Since XX/XX/XXXX I have been in contact with the home office in Ohio of XXXX XXXX. I have faxed the receipt and proof of payment countless times and as of XX/XX/XXXX my issue has yet to be resolved. Each time I contact XXXX XXXX I have to re-explain the situation but only to be transferred to a supervisor who always assures me the issue is being worked on and I will be contacted. There was a point I was in contact with a supervisor who was very apologetic and let me know a credit repair service will contact me and the payment will be applied through the treasury/finance department. Since my conversation with her, I have had nothing but failed contact attempts.
|
| 08/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
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Web |
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I have written dispute letters to XXXX, XXXX and XXXX and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and a letter to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. The creditor did not respond at all. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.
|
| 04/26/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
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Web |
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I never received any information about a payment being missed. I checked my credit reports and noticed that my payment history was less than 100 %. On my credit report it says that my most recent late payment was XXXX XXXX ago. This situation is really affecting me personally when trying to buy a house or a car and Im being penalized for a mistake that wasnt my fault. I mailed two letters to them explaining the situation and they said that they couldnt do anything to remove the late payment from my credit reports. They claimed that it was 30 days late and from my records, Ive never missed a payment.
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX This account was paid in full on XX/XX/2022 in the amount of {$1600.00} to XXXX, XXXX and XXXX who represented their company. I received a letter confirming that the account was paid in full but my account has not been updated since XX/XX/2022 on my credit reports. I contacted the creditor directly on XX/XX/2022 and was told that my account was sold to XXXX and given the phone number of XXXX. I immediately called the number and was told that the account had not been sold but they represented XXXX XXXX XXXX and confirmed via phone that the account in fact had been paid in full. I was told that they passed that information onto their client and would have them to call me back to let me know when my credit report would be updated. Today is XX/XX/2022 and I still haven't heard back from XXXX XXXX XXXX.
I'm frustrated because after experiencing financial hardship I finally was able to take care of the account yet my efforts is still not reflected on my credit reports.
|
| 10/17/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
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On XX/XX/XXXX, I entered the XXXX XXXX in XXXX at XXXX, located in XXXX MD. Upon entering the store, I picked out a few pieces of jewelry and proceeded to the counter, I offered the clerk my credit card ; which I've had since XXXX and have no late payments ; after processing my transaction, she proceeded to tell me she had to call in the charge, the amount was below {$300.00} and my credit limit is {$4000.00}, I thought it was strange, but waited. After a few moments the store clerk gave me the phone, the person on the other end told me that because of the state of my credit, they would not be able to process my transaction, and that they'd be closing my account, that day. I did not give XXXX XXXX permission to check/run my credit, they did not have my consent, or my knowledge that it was even happening.
I have no late payments to this account, I pay every month, on time, and can't understand how or why this happened. To date, I have not received a letter explaining this decision, as companies often do when you're denied credit.
|
| 03/09/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
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Today XXXX XX/XX/2018, I was contacted by XXXX from XXXX, XXXX XXXX XXXX. with a case # of XXXX, their phone number is XXXX XXXX. This XXXX told me that my debt from XXXX XXXX was turned over to them for collections. The amount was {$2900.00} but they are willing to settle for {$1200.00} now. He asked me for a credit card and I don't have one so I asked my parents to use theirs. My step-dad talked with XXXX and he recommended a certified letter for the settlement and we would settle it. XXXX became beligerant and threatened to garnish my pay, apply a lien to my truck, have the sheriff pick me up. I hung up an him and my stepdad called him back for more information, since then he has called my phone 3 times and 10 times on my stepdads, each time belittling me and threatening me. I contacted XXXX XXXX customer service and they where unable to help since the debt was sold. I tried contacting who they sold it too ( contracting account ) XXXX XXXX, no one has returned my call. This debt is from 9n years ago and is on my credit report.
|
| 12/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
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Web |
|
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Kay Jewlers or " sterling Jewlers '' would call me 15-20 times DAILY. They called my wife/sibling/and even my aunt and have no idea how they got their numbers. They would ask my family me XXXX person information about me in which none would disclose. They would call from XXXX different numbers so I would never have any idea who was calling. The repeated calls would only lead to XXXX XXXX voicemails a day. This was extremely embarrassing in the workplace as my phone would constantly ring during meetings. I requested them to not call anymore and to just email/mail. This did not work. Each time the person would state they are from the home office of Kay Jewlers ... But had phone numbers from various parts of the country. I never knew if it was a scam or not. The individuals who called claimed I only had weeks to make it right or serous consequences would happen to me financially. This scared me as I could easily lose my job if this were to happen. I was forced to surrender my belongings out of fear of this which amount to {$1600.00}.
|
| 07/13/2016 |
Yes |
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Web |
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i wrote a certified letter to Kay Jewelers in XXXX XXXX asking them for any information and documentation proving the chargeoffs and lates for account ending in XXXX and they responsed in a letter to me they sold the account, it is no longer owned by them.and they have no info on me- they sold the account XXXX XXXX sent this letter to XXXX and XXXX in XXXX XXXX asking them to delete the account because they have no documentation to prove this alleged debt then.XXXX, XXXX put in a dispute and kay jewelers responded to the disputes stating it was accurate and to leave it on my credit report. i have disputed this account many times with XXXX, XXXX and each time kay jewelers states it accurate. IF this account is accurate then why cant they produce documentation to me. they have violated my rights under the FCRA also they stated they sold it in XXXX then why have they updated my credit reports charge off and lates as recent as XXXX XXXX XXXX each time they update it makes it seem like a recent chargeoff and my score goes down.
|
| 09/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
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Web |
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I tried contacting the bureaus on a account that seems to be reporting as a duplicate on credit report and inaccurate. Both accounts seem to have a {$0.00} balance with a charge off.
I do not recall having this account. Back in XXXX or beginning of XX/XX/XXXX I wrote to XXXX XXXX asking to delete account as it is stating in accurate results came back still in accurate even after I just provided proof of inaccuracies. After I got these results back in XX/XX/XXXX, I wrote to XXXX again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking to provide method of verification and on a different occasion I asked to delete as I dont recall having this account open. I would like to know where information is coming from, especially when results continue to come back inaccurate. I have not received any document stating where information is coming from. On one of the accounts payment history reports OK as agree were on the other account and its reporting charge off. This is not possible if information is coming from same furniture data.
|
| 10/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
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Web |
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I was contacted at work today and the voicemail stated that I needed to call the information department or charges would be filed in my county. I called the number and had the reference number. I asked them not to contact my work but he said that they wouls and that they could. He refused to identify himself or the company. He stated that the debt was from Jared the Galleria of Jewelery in the amount of XXXX. I asked him if I could work out an arrangement for XXXX a month because I was on a very tight budget. He said no we will be contacting your employer to garnish your wages and that they could garnish up to 50 % of my check. He said they would be sending a subpoena to my employer on Monday and I could deal with it then. He said that I was accused of defrauding and something else. He then hung up on me. I called back twice to try to work things out and get more information. He hung up each time and said that I could wait for the subpoena and not call that number anymore. The number that they had me call was XXXX.
|
| 09/14/2015 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Managing the line of credit
|
|
Web |
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I was the victim of identity theft and endorsements, contracts, accounts, etc., were made without my knowledge, consent, and or authorization. I never signed nor endorsed any contracts or applications that created any accounts for debt service with Kay Jewelers. I have NOT received benefit or value from the proceeds of the endorsement XXXX XXXX ), contract XXXX XXXX ), application XXXX XXXX ) and or the Kay Jewelers account XXXX XXXX ) directly or indirectly. All information pertaining this matter was given voluntarily for the purpose of establishing the fact of signature forgery and identity theft, in addition to blocking the information from my credit report, pursuant but not limited to section 605B of the Fair Credit Reporting Act 15 U.S.C. 1681C-2. Kay Jewelers continues to report an account I did NOT open and/or authorize. Possible endorsements were made using my correct personal identifiable information that were stolen and or lost. Additionally this matter was reported to the FTC and local authorities.
|
| 07/08/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
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|
Towhom it may concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation.
Here 's the wrong info : 1. This is a billing error always paid as agreed on time this is an error this account in violation.
KAY JEWELERS Account Number : XXXX Please remove it from my credit report.
I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here.
Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to a
pply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
|
| 02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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While checking my credit report, I notice an account from Kay Jewelers that I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that Kay Jewelers is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
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| 01/02/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Upon reviewing my recent credit report, I noticed that I had a collection account outstanding with XXXX XXXX and XXXX XXXX, both for {$490.00}. I 've contacted both company 's on 2 separate occasions trying to verify the accuracy of the information provided by them as being owed by me. XXXX XXXX responded by saying that the debt was sold to XXXX XXXX. I 've since sent a letter to XXXX XXXX asking them to remove the debt as they were unable to verify the account as being owned by me as well as it being sold to XXXX XXXX. No action has been taken by XXXX XXXX to resolve the issue. XXXX XXXX has also failed to provide proof to validate the account as being owned by me in accordance with the FCRA. The first goodwill letter was sent out and received by XXXX XXXX on XXXX XXXX, XXXX, the second was sent out and received XXXX XXXX, XXXX. XXXX XXXX has provided me with account statements from the original creditor, XXXX XXXX stating that the accounts are mine however no such document bares my signature.
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| 02/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
Servicemember |
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In XX/XX/2018 my house was caught in the devastation of the hurricane following this I sustained damage, loss, and significant financial strain. With this situation at hand, I was unable to make my XXXX card payment. I reached out to the card organization and explained that I was affected by a natural disaster. I resumed payments the very next month and have been otherwise consistent throughout the entire 11 yrs I have held this account. What I do not understand is why this specific reporting during this time was not reported as AW to reflect that I was impacted by a natural disaster. I have even reached out and requested goodwill removal only to be met with " We are required to accurately report. '' I believe that the way this mispayment is being reported is misleading and does not in fact hold true to " accurately reporting information. I did some research and there were actually studies conducted by the CFPB outlining how crediting reporting during Hurricane Florence impacted many consumers.
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| 03/20/2017 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I tried returning my rings at Kay jewelrs and when I showed up before these charges took place the store manager ignored me.and she was n't trying to take them bad so I ended up holding them until recently when I made them take it back because she tried ignoring me again. I made a XXXX $ payment at the store and it was never on my account. These people XXXX with you and your account. In between the that time afternoon tried returning the ring I called kay jewelrs to set up a return time and the lady did n't no what she was doing at all and she did n't even know what I was talking about so I sat 2 1/2hours on the phone for nothing it 's like they try and make you keep the rings. So all around it was game after game. I was also told by the store manager that I did n't own them anything at all and now I 'm being charged XXXX $ or so. So unprofessional and these charges shouldnt be there if I was told I did n't have to pay anything. I want this problem to end with them and they leave me alone!!
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| 06/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Account Number : XXXX Original Creditor : JARED-GALLERIA OF JEWELRY Amount Listed on Credit Report : {$630.00} On XX/XX/2021 at XXXX I received a call back from XXXX ( after requesting this via an automated system by initially calling XXXX ) and spoke to XXXX who advised that the total due is XXXX $ XXXX and that this was processed via the In-House Collection Agency. I was given Ticket number : XXXX regarding my call and inquiry. She advised I call XX/XX/2021 when the BA DEAPARTMENT is open. Account Number : XXXX Amount Listed on Credit Report : {$630.00} Original Creditor : Jared-Galleria of Jewelry XXXX XXXX XXXX, XXXX, MA XXXX ***alternate name address associated with company : XXXX XXXX XXXX XXXX Sterling Jewelers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. This is not my acknowledgment of its liability but there is a discrepancy in the amounts being reported as I was told {$490.00} on the phone, I see {$630.00} via XXXX, XXXX and XXXX and none of these amounts are familiar to me.
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| 03/06/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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XXXX XXXX card services bought my XXXX XXXX account which should have been discharged in a bankruptcy that was discharged in XX/XX/XXXX. The account was correctly updated on XXXX and XXXX, but XXXX XXXX will not correctly update XXXX, nor will XXXX follow suit with the correct information being reported to XXXX and XXXX. I have disputed through XXXX and the results were " account verified ''. Again, this account was discharged in a Chapter XXXX. As of XX/XX/XXXX, this account continues to report to XXXX and now states the account is 150 days late. This is damaging not only my credit rating, but also causing unnecessary stress.
XXXX XXXX refuses to delete inaccurate information from XXXX, and they continue to harass me with phone calls despite my communication via XXXX ( disputes ) that the debt was discharged. Furthermore, I informed XXXX that XXXX and XXXX had the same account information reporting correctly, but XXXX refuses to follow suit.
Thank you for your assistance.
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| 01/05/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/XXXX I paid the full balance off My XXXX XXXX account in the amount {$430.00} at the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I received a notification that my account was 30 days past due and now have a 30 day delinquency on my credit report, this has dropped my credit score by 64 points. I contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX to have this corrected. I was told the {$430.00} payment I made was applied to the wrong account. I was advised it would be correct with 24-48 hours, it was n't. After weeks I re-contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and I was told by a supervisor nothing was done to have this issue correct from the last time i called on XX/XX/XXXX the funds are still in the wrong account and the Credit reporting agency have not been notified to remove this 30 day delinquency and report the account with a XXXX ( XXXX ) balance and current. I am in the middle of buying a home and this is putting my home loan approval at risk.
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| 10/27/2016 |
Yes |
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- Credit card protection / Debt protection
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Web |
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I was walking through the XXXX XXXX in XXXX, Ohio and was passing by the Kay Jewelers store. A Kay Jewelers employee asked me as I passed if I was XXXX. I said I am XXXX. She said she needed only XXXX signatures that day to meet her goal and would I help her? I have goals at work too so I thought I would help. She said it was a newsletter and I would be getting something in the mail soon. She said she needed to ask me a few questions and was typing information on a tablet. Apparently, she was signing me up for a credit card as I got XXXX in the mail and my credit report showed I had a inquiry and a new account. I had no idea that she was doing this. Not once did she mention a credit card. I have n't ever had a credit card so I did n't realize that this was n't a newsletter but a credit card. Also, I have no one to buy jewelry for and I do not wear any myself so this would be the last place I would apply to get credit. I am very upset at my credit being affected and being lied to.
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| 01/05/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Problem when making payments
- Problem during payment process
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Web |
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On XX/XX/XXXXI paid the full balance off My Jared Jewelry account in the amount {$430.00} at the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I received a notification that my account was 30 days past due and now have a 30 day delinquency on my credit report, this has dropped my credit score by 64 points. I contacted XXXX XXXX XXXX XXXX on XXXX XXXX to have this corrected. I was told the {$430.00} payment I made was applied to the wrong account. I was advised it would be correct with 24-48 hours, it wasn't. After weeks I re-contacted XXXX XXXX XXXX XXXX on XXXX XXXX and I was told by a supervisor nothing was done to have this issue correct from the last time i called on XXXX XXXX the funds are still in the wrong account and the Credit reporting agency have not been notified to remove this 30 day delinquency and report the account with a XXXX ( XXXX ) balance and current. I am in the middle of buying a home and this is putting my home loan approval at risk.
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| 02/16/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I wrote various letters to XXXX XXXX over the course of the last year regarding negative remarks posted to my XXXX XXXX and XXXX credit reports. I requested that their office provide me with suitable validation of the alleged debt ( that I was indeed the party who is bound by contractual obligation to pay this debt ). I specifically requested that they send copies of an agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. Not only did they not do so, but they claimed that the account belonged to a company called XXXX XXXX. I wrote XXXX XXXX back letting them know that the account is NOT being reported by XXXX XXXX. It is being reported by XXXX XXXX, meaning the following. If XXXX XXXX is admitting that they do not own the account, they do not legally have the right to report anything regarding the account on my credit! I expect that until my reasonable request for validation is met, this account must be deleted from my credit files.
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| 01/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX a joint account at XXXX XXXX 30 days Late. Accounts have always been paid on time, however I received NO notice, Never even received statement balances on that account. Upon finding out I paid the XXXX balance off IMMEDIATELY. I called creditor and they said they would close out the card but refused to take it off my credit. Giving me the run around saying I would need to call the bureaus. Upon calling them, an investigation was made, but it was informed it would not be removed.
Also on XX/XX/XXXX XXXX XXXX, a XXXX company charged me with being 120 Late on a XXXX dollar payment. These statements were paperless, but again i never received any documentation via email that i was late. What occurred was a simple checking account mishap. I had paid out of an old checking account I had on file. Once realized, I paid the XXXX dollar transaction ( because of late and ach penalty fees ) and requested it be removed. They refused and XX/XX/XXXX Sided with them.
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| 12/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I disputed an account on my XXXX credit report XXXX XXXX over a year ago. I disputed that the payment history wasn't being reported correctly because there was a few months missing that wasn't reported being paid. XXXX said the account was verified so the account remained the same. I was comparing my XXXX and XXXX report on my XXXX XXXX account and i notice that XXXX is showing that this account was Charged Off but XXXX has this account showing as Paid Charge off. So when i saw this inaccuracy i decided to dispute this with XXXX on line but XXXX wont let me dispute this account again when i try i get the following message. " For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist you. '' so when i call the number i just get put on hold for over an hour. Then i get hung up on. So today im asking XXXX to let me start a new dispute investigation with XXXX XXXX. I also have proof verifying this inaccuracy.
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| 04/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act.
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I want the CFPB to publish this description on consumerfinance.gov so that
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| 10/20/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
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- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
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Web |
Servicemember |
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I have a closed account showing on my credit report from XXXX XXXX that is NOT accurate. Says I opened the account in XX/XX/XXXX which I did not do. The only time I had a XXXXXXXX XXXX account was in XXXX when I was young and stupid and messed up my credit because of delinquent payment history so if I were to apply for another account, I'd be denied anyway. When I checked my credit report 2 years ago, it showed an exact duplicate account for XXXX XXXX in the amount of {$1000.00} owed. I have had contact with the company who bought that account and it was removed from my credit report. {$1000.00} was NEVER my credit limit. I do not understand what is going on or why this is happening but this information should NOT be on my credit report and I have tried to dispute this case many times and nothing is changing. If this error is not corrected and this account is not removed from my credit report within 30 days of this dispute, I will sue XXXX XXXX under the FCRA.
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| 03/22/2018 |
Yes |
- Debt collection
- Credit card debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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I repeatedly get calls from XXXX. They even called my husband and my brother in law on XX/XX/XXXX. They discussed my information with my brother in law. I called them back on XX/XX/XXXX. XXXX to the number left on my voicemail XXXX reference number XXXX and spoke with a guy by the name of XXXX XXXX. He told me this was an attempt to collect on a XXXX XXXX account {$1200.00}. He offered a settlement of {$740.00}. He put me on hold then transferred me to a rude and nasty lady name XXXX. She wanted my credit card info to set up auto pay. I said I spoke to XXXX who was suppose to email me debt validation and agreement to make monthly payments. She said no we need your card information first before we can send you anything. I told her no. Then she threatens to contact my employer. I told her I'm not employed. I asked her to stop calling my relatives putting them in my business. She said you need to call back when you can pay, then she disconnected the call.
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| 12/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I recently pulled a copy of my credit report on-line and found that Sterling Jewelers , Inc. is reporting the following inaccurate information in my file that is negatively affecting my credit score and life : 60 day late payment I have continuously made payments on this credit card and have brought this to their attention. Payments above the minimum have been paid on-time on a monthly basis and have never been late.
I understand that per the Fair Credit Reporting Act, they are required to notify me of their investigation results within 30 days but they have not. Additionally, they are required to readjust this but Sterling Jewelers , Inc. has not despite my on time payments and evidence showing them that my payments have been made on time.
I look forward to Sterling Jewelers, Inc. accurately updating my credit information with all three credit bureaus in order for my credit report to accurately reflect my on-time payments.
Thanking you in advance.
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| 04/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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I opened a Jared account in XXXX, one purchase was made but no payments were ever made. The account was closed and charged off. It was then sold to XXXX XXXX XXXX XX/XX/XXXX. I have attempted to contact Jared and/or Sterling Jewelers via mail and phone through all identification available on credit reports and have received no contact back by mail and when I speak to someone on the phone they either can not pull my account up or are unable to give information and direct me to their mailing address. When I contacted XXXX XXXX they responded that they had returned the debt back to the original creditor and any complaints should be handled directly with Jared. There is incorrect information being reported and then validated with the credit bureaus and I want the report removed as it has now reached beyond the seven year window to be reported. I have disputed multiple times and this company continues to validate that the information is correct.
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| 04/04/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I have a Kay jeweler credit card. the due date for payment is the XXXX of the month and late fee accessed after ten days past due date. I called on XX/XX/XXXX at XXXX XXXX, central time. I spoke with customer service representative XXXX ( had to ask her to spell her name because of her not good english ). I asked for the amount due and she stated {$93.00}, I asked why {$93.00} and she stated because of the past due amount.. I stated that the payment was due XX/XX/XXXX and today is XX/XX/2020. She stated that the past due amount of {$47.00} and the upcoming XX/XX/2020 payment is due. I informed her that today is XX/XX/2020, and you are trying to force me to pay a bill that is not due yet. I informed her that you can not force a consumer to pay a bill that s not yet due. I paid the amount that was due on XX/XX/2020. This is not the first time i encountered this type of practice with this company. ( XXXX XXXX XXXX XXXX for Kay Jewelers ).
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| 03/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Hello, I opened a credit card with XXXX XXXX last year to help build my credit and apparently, they transferred their credit accounts to XXXXXXXX XXXX XXXX ' in late XX/XX/2017. I made all of my monthly payment online at the XXXX XXXX 's website and when I was attempting to make my payment for XX/XX/2017, the website would not allow me to log in. I was waiting for any correspondence to inform me on how to make payments towards the account. At the time, I had less than {$80.00} to satisfy the account.
I finally received an email from the new company late last month, stating the account is now in collections. After checking my credit report, I verified they've reported delinquency and the collection status. I don't feel this is the best practice of any financial institution, since up until last month, I have not received any electronic or postal correspondence on how to make payments.
Thank you for your assistance to resolve this!
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| 02/24/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
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Web |
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I have been receiving harrassing phone calls since XXXX XXXX 2016. The person calling stated they are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from a man with the name of XXXX XXXX . He uses threatening and vulgar language. He is very combative on the phone to the point of belittling you. He has stated that I owe roughly {$7000.00} to them from an old Kay Jewelers credit card account. He stated that I had until next business day to pay or I would encounter a law suit. When I told him I did not have that type of money and that I would need to speak with my spouse about this issue he stated " You didnt speak with your spouse when you rang up this debt. '' then continued to ask me " Where are you going to get money to pay me by tomorrow '' He has also gone as far as to call other part of my family and threatening them as well, calling my mother " a XXXX like her son ''. This type of abuse should never be allowed to take place.
|
| 05/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I had a debt from Kay jewelers that was bought by national credit adjusters. I paid in total XXXX dollars in 12 months way of XXXX XXXX dollars a month and a last payment of XXXX dollars. The debt does not show on my credit report and Kay jewelers said I do not owe anything. XXXX XXXX XXXX XXXX has contacted me and said I owe money for a debt to Kay jewelers. I told them it was paid and provided phone numbers to verify that it was. I have received nothing in writing from the regional mediation services about this supposive debt. On XXXX XXXX XXXX I received a call from an Idaho number which I do not live saying they are a courier to serve me papers on behalf of regional media services to sue me. I believe these people are scams and need to be looked into. I have done some research online and have seen the same stories from others and was provided this site address to file a complaint. Thank you XXXX XXXX
|
| 11/19/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
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Web |
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XXXX has contacted several people about my debt who are authority figures at an old job. They have contacted my old boss, employees, foremen. Disclosing that They have issued a judgement against me, and other personal information. There is no way they should have these people 's personal phone numbers. The place of my old employment was shut down and this company has gone out of their way to contact all the authority figures, on their personal numbers, who used to work there with me. I do n't even know how they went about acquire all of these people 's phone numbers. The info they have reported to these old coworkers is false. There have been no judgments against me. They have made no means to contact me. I have the same phone number and address for the last five years and never once did they try to contact me by phone, mail, or email.
They have also been contacting my family. Giving false info and sharing my debt information.
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| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Older American, Servicemember |
|
XX/XX/2016,120 days late payment from sterling jewelry inc, dba Kay Jewelrys, i have bought a house and move, but i did a change of address to the post office, during that time, i have a XXXX balance at kay jewelrys.i usually get a statement every month, since i move to a new address never received a statement from kay jewelers, they finally called me on the phone and they told me im 120 days late payment, i told them i never received a statement, i told them if i received a statement, it would remind me that i owe, i told them i have a XXXX balance, i always paid them early every month, so i paid them off, its their fault of not sending me a new statement, now they cancelled my kay jewelry card and reported me on 3 credit bureau, they impacted my credit score being hard inquiry, i disputed them so many times, to remove the hard inquiry on 3 credit bureau, they turn me down every time, the people involved should be finance
|
| 09/22/2015 |
Yes |
|
- Unsolicited issuance of credit card
|
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Web |
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On XXXX/XXXX/2015 a credit card application for Kay jewelers was falsely submitted in my name XXXX XXXX. I found out about this from XXXX which is a Identity theft protection service on XXXX/XXXX/2015. I did not submit any application to Kay jewelers for a credit card but yet it was done by them. I spoke to a manager in the credit card issuing department and I was told that there was no recent applications on me to apply for a credit card. I then called XXXX and was told by them their was definitely a hard inquiry of my credit from sterling/ kay jewelers on XXXX/XXXX/2015. I would like someone to see why this happened and resolve this problem as well as having them take this false credit check of my credit report. I spoke with them about removing it as well and they proceeded to tell me they did not do the credit check. I XXXX XXXX give permission to pull my credit report for verification for this complaint, thank you
|
| 11/06/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I took out a loan for a ring that I purchased through the store and was making the proper payments on a monthly basis. I calculated how much I had owed and got it down to the last month. When I called in to the store I asked if it was the last payment and how much more I owed. I was told that everything was paid off and that nothing more would be owed. Months later I receive a phone call notifying me that I still owed {$7.00} from my previous account and due to the interest I now owed {$110.00} on top of that. I explained to the company that I had been told that my account was paid off when I last spoke to the store and they fixed the issue. They removed the interest that I owed and I settled the payment of the {$7.00} that I apparently owed despite being told previously that I had settled all payments months prior. However it is reflecting on my credit score now by dropping it XXXX points in one month.
|
| 05/18/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
XXXX/KAY JEWELERS has reported inaccurate information to the credit bureaus. Such as but NOT limited to ; Account Number, Creditor Name, Account Open Date, Account Closure Date, Account Charge off Date, Payment History, Names, Balance, Amount Charged Off.
Due to the inaccuracies in my credit reports, I demand that the validation I hereby request, be validated in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of a returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please note that I am also requesting competent evidence that I had some contractual obligation in relation to the tradeline.
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| 04/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Kay Jewelers is reporting a debt on my credit file that I need removed. I have called multiple times to them and their third party XXXX and every time I call they said they can't find me in the system. However, the continue to report this debt on my credit file and I do not owe it. At this time I am asking that Kay Jewelers send me validation of this debt. I am requesting proof that I am the party you asking to pay this debt and that there is some contractual obligation that is binding on me to pay this debt. I am not requesting for verification but validation. I will also inform you that if you continue to report invalidated information to any of the three credit bureaus, this might constitute fraud under both federal and state laws. IF any negative mark is found or continues to report on my credit I will have no choice but to contact the Attorney general of my state and consult for legal suite .
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| 08/31/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
My husband and myself have a credit card with Jareds Jewelers. We have been unable to make our payments and my husband is in the process of filing bankruptcy. We owe a small amount nothing major but Jared 's is refusing to work with us. We are getting calls 3 times a day from them my husband has explained out situation but to no avail we keep receiving harassing calls and they are now threatening us. My husband received a call this morning XXXX XXXX, 2017. My husband stated to the rep that he was unable to talk he was at work, the rep said to him your gon na talk to me now! They keep telling my husband he needs to take the merchandise we purchased back to the store. They are using foul language and are not willing to work with us even with explaining our situation. I do understand they are debt collectors but I believe if they were treating people with a little more respect they may get somewhere.
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| 12/18/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I have been out of work for most of XX/XX/XXXX due to moving, illness, and a car accident. I have received repeated calls from Sterling Jewelers/Kay Jewelers during this time in an attempt to collect a payment from me on an account for which I owe less than {$120.00}. I have tried to make the payments when they set them up but with no steady income I have been unable to follow through. They call up to 4-5 times a day, often from different numbers, in an attempt to make me answer the phone I assume. I have blocked XXXX numbers to date that I know belong to this company and yet they still call. They call late in the evening as well. They are sometimes rude and continually ask when I think I can pay and I 've told them I do n't know as I am trying to find a job every day! I just recently was given a position but it does n't start until XX/XX/XXXX and they still want to know when I can make a payment.
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| 09/28/2016 |
Yes |
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- Customer service / Customer relations
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Web |
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My engagement ring was purchased by my Husband XX/XX/XXXX. On XX/XX/XXXX it was put in to repair by way of the XXXX XXXX Jared Jewlers in XXXX maryland. I was told that I would get my ring back after the repair by XX/XX/XXXX as of today 's date I still do not have my ring and customer care for XXXX XXXX is unable to tell me where my ring is. After reading articles from XXXX from XX/XX/XXXX of other brides who 's rings after being sent to repair were loss, stolen or original diamonds were swapped I am very concerned that my diamond may be the next casualty in this horrific saga. I need help to find out where my engagement ring is. My ring is very dear to me, it 's sentimental to me my husband gave it to me and nothing the store can do can replace the original ring that my husband purchased for me. I am very devastated by not having my original engagement ring I await your response
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| 11/22/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Request to Remove Unauthorized Credit Inquiry Dear Sir or Madam, I recently received a copy of my credit report and I notice there is an unauthorized credit inquiry made by Sterling JeweIers INC Kay this debt has been paid in full and they will not get a XXXX more of my money. I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into Sterling JeweIers INC Kay inquiry to determine why the debt is on my credit report. I ask that it be removed immediatelyfrom my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.
If you find that I am in error, then please send me proof of this.
Thank you in advance, XXXX XXXX
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| 11/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I mailed a letter to XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I sent the letter to XXXX XXXX on XX/XX/2018 and it was received anywhere between XX/XX/18-XX/XX/2018. I know the letter was received by KXXXX XXXX because they sent a dispute update to EXXXX but did not notify me by mail. According to fair XXXX XXXX laws, XXXX XXXX should have provided me with a substantial documentation of verification that I owed such debt listed under account # XXXX. I also see in the notes that the account has been transferred and sold off to another creditor which has never contacted me about the debt. Because the law has been violated I demand that this account be removed immediately from all three credit bureaus. I do not want to have to take this issue to court but I will if need be. Please resolve within 15 days according to law. Thank you.
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| 01/19/2017 |
Yes |
- Debt collection
- Credit card
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- Communication tactics
- Frequent or repeated calls
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Web |
Older American |
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On XX/XX/2017 I received a called from I received a call from XXXX from XXXX, he called back to back three times, when I answered the he asked to speak to XXXX, I responded this she, he identified himself, Then he proceeded to as for my ss # and I said I 'm not going to verified anything with he then asked for my birthday, I repeated my self, he continue to asked for my address I refused. He became very upset with and his whole attitude change. I told him you do n't talk any kind of way. He snapped you have a great afternoon, I 've just got out of the hostipal and not supposed to be under any stress.
My husband grab the phone he hung up this is the second they called and got smart. My husband explained to them that I have a serious XXXX XXXX and their respond was somebody have to pay the bill. If we had the money the bill would be paid nobody like to be harrass
|
| 09/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Contacted me after I asked not to
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Web |
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I have submitted a complaint already with Kay Jewelers and have to submit an additional one this week that a representative is now calling me under a false called ID called Green Tea diet. I answered- and the lady said she was from Kays and immediately rushed to the subject of my debt, I told her that I said to them to stop calling me on XX/XX/XXXX, and I have received over 30 phone calls since then of them and another company with them called Sterling Jewelers , and I told this lady I will get with my debt after I get my police report from an office to fax to my jewelery insurance, and I said once again to stop calling me that my " attorney '' is documenting all calls and she proceeded to ask who my attorney was at that point. I was so furious that they are now calling under false names and now asking information that is none of their business. This is insane!
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| 05/06/2020 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I have been paying this debt since XXXX. I was initially informed the amount owed is {$3700.00} and as of today I have paid {$3700.00}. On XX/XX/XXXX, I reached out to everyone I have contact information for to finalize the payments and clear the debt completely. However in each call I was told they are not the individuals I should be speaking with. In my last communication I was then informed the amount I owed is {$3400.00} with is lower than the total amount that I have recorded as payment and also told they only recorded payment in the amount of {$1200.00} since XXXX.
No one is able to or willing to help or assist m with settling this debt. Since XXXX, the company has received a biweekly payment of {$50.00} directly to the company and they will not speak with me to clear this issue because they say the account is closed. I need help in clearing the matter.
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Hi, My name is XXXX XXXX XXXX, I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help.
The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
|
| 04/11/2017 |
Yes |
- Debt collection
- Credit card
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I was contacted by someone over the phone claiming they were going to sue me for committing fraud over a debt I used to have ( and have paid off ). He said that they would settle it outside of court for {$1800.00}, I told them no, and they put me on hold and came back saying they could do it for {$1200.00}.
When I asked for it all in writing and proof they are legitimate, He got very angry and said he would not give anything in writing until I had agreed to pay this off over the phone. He then said the only way to pay it off is over the phone. I again said no, because it sounds like a scam, and he followed up saying that he would deliver the court papers to my address ( which he had an old address ) and proceeded to get angrier with every bit of information I was trying to gather to see if it was even legitimate.
I have proof that I paid off this debt.
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| 09/26/2018 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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A gentleman just called me, for the fourth time in 24 hours, and told me he was Mr. XXXX calling from a law firm in an attempt to settle my debt with XXXX XXXX before a summons was sent out this Friday against me. That I would be charged with the legal fees as well. I told him I had received no such bill or any correspondence to this matter and he stated that he sent it to two addresses easily taken from my background check that he already stated he did on me, and had " assumed '' I received them. I asked him to send it again, certified mail, so we both know for a fact it was recieved. He said that was not possible. I told him I will be happy to contact my lawyer to sort it out after receiving an invoice or any proof and making sure it was a legitimate issue that had not been resolved. He stated he will put that in my file and let the company know.
|
| 10/09/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Kay jewelers sued me to court for debt owned, sold my debt without proper approval from consumer and debt was satisfied with law firm ( XXXX, XXXX, XXXX ) hired by Kay jewelers. Kay jewelers is still sending me invoice of debt owned even after account is cleared out and no other payment is owned. This is violation as account is being paid off, court case is being dismissed as law firm received every payment requested.
15 U.S. Code $ 1679c states I have the right to dispute inaccuracy on my credit report. If inaccuracy is found, the credit bureaus must remove inaccurate item on credit file.
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C.
1681 ) Consumer may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after the harmful behavior or within five years after the harmful behavior occurs.
|
| 07/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
|
KAY JEWELERSis violating my federally protected consumer rights and refuses to provide me with validation evidence pursuant to 15 USC 1692g that can validate their claim of me, XXXX XXXX, the natural person/Consumer owing them any " alleged debt. '' KAY JEWELERS failed to prove their claim that I owe any " alleged debt '' by not providing any " documentary evidence '' of a ledger, delegation of authority, contract, agreement, or anything to stand as legitimate proof that I, the natural person/Consumer owe any alleged debts tot their company. KAY JEWELERS is reporting of my credit creating an " adverse action '' pursuant to 15 USC 1682a ( k ) ( 1 ) and should and will be held criminally liable pursuant to 15 USC 1611 and civilly liable pursuant to 15 USC 1640. this information is damaging my reputation and hurting me both financially and mentally.
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| 02/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am writing to report multiple violations to the Free Credit Reporting Act. XXXX XXXX XXXX is reporting a related to fraud item to the credit bureaus. I tried to solve this issue with them in the past by sending them a dispute letter. Up to today, they have failed to help me.
I am demanding thsi company a deletion letter and to remove the following item from my credit report : - Kay Jewelers. Account # XXXX, opened XX/XX/2016. Closed date XX/XX/2016. Limit {$1400.00}, balance {$0.00}.
If they fail to honor my request, I am willing to let a court decide. Here are the violations that the have committed : - Failing to validate debt - Unfair business practices. - Negligence. - Breach of contract. - Reporting false and erroneous information. Violation to section ( 609 ) of FCRA.
Please send the attached documents to Kay Jewelers.
Thank you.
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| 10/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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My wife has been receiving multiple calls daily for the past 2 weeks. On XX/XX/2018 I spoke to the company about a debit that I owed. When I asked for a verification letter they stated they have sent multiple notices in the mail, none of which I have received. Constant phone calls threating to garnish my wife 's swages and I only have one day left to accept the settlement. I have not heard anything about this debit from the original creditor in over a year. If they sent a verification of debit I would happily pay it, but until then I will not pay some company that I have no idea about nor trust. I am currently going through the XXXX process so having threating calls about garnishing wages really frustrates me. I know its my debit but I am getting no assurance from this company that its not some sort of scam they are trying to pull on me.
|
| 05/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Kay Jewelers.
After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
|
| 02/22/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
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Web |
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The attached company claims that the account will be removed on all pertinent credit reports XXXX XXXX. I stipulate that the account was opened in XXXX, that it went into default the same year, was eventually paid in full in XXXX, and that the company in question still not only maintains a balance of {$1500.00}, but that the account if legal would show a XXXX balance. My dispute was challenged and a copy of the XXXX XXXX result is attached, with virtually no response or required documentation to maintain a negative trade line on my personal credit report. The item needs to be deleted as mandated under the 84-month rule with the Fair Credit Reporting Act. The Consumer Financial Protection Bureau, as mandated under Dodd-Frank has taken up consumer rights where FCRA and Fair Debt Collection Practices Act consumer rights are being violated.
|
| 06/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
On XXXX XXXX , XXXX , I notified XXXX , XXXX , XXXX , and Kay Jewelers, the creditor, that there was an erroneous negative mark for XXXX XXXX . This information is inaccurate, as the account was closed and paid off. Kay Jewelers continues to report this item was charged off despite me paying them directly the amount owed. I made a payment arrangement with them over the phone to pay the account in exchange for deletion ; the conversation was recorded yet Kay Jewelers continues to report that the item was charged off. The last date of delinquent activity is XXXX XXXX , yet the company reported a charge off on XXXX XXXX . It is clear Kay Jewelers is in violation of the Fair Credit Reporting Act, and as of XXXX XXXX , have yet to remove the item off my credit reports as it is past the 7 year reporting period.
|
| 09/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Hello, How are you?
On XX/XX/20 I received an alert that a compony STERLING JEWELERS/XXXX pulled my credit in which it was not authorized by me. I received a call from one of the representative from STERLING JEWELERS/XXXX due to having a fraud alert on my credit to verify that I had authorize it and I notify the representative that it was not authorize by me that it needed to be removed from my credit. The representative assure me that it would be taken cared of and until today XX/XX/20 its still showing up on my credit report as a hard inquiry. The company failed to removed the inquiry even after it was confirmed with me over the phone that it was not authorized by me. I need to company to delete this from my credit report from both XXXX and XXXX or prove that this account was authorized by me with verification of authorization.
|
| 08/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
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I have been attempting to negotiate a settlement with XXXX XXXX for some time now, and each time I call I am told that they will not ever correct my credit report if I settled with them in full.
I currently owe them {$830.00} which I am trying to pay under the condition that they report my account is satisfied in full and they remove the charge off as every other bank has while I have been repairing my credit. XXXX simply refuses to assist and offers no incentive to satisfy the debt owed. I am trying to fix my credit but have hit a wall of non compliance from XXXX who has never provided me with any written information or solution to settle my debt with them. I am in desperate need of help.
I have been trying to resolve this since 2016 when my home was burgled and the purchase product was stolen and never recovered by law enforcement
|
| 02/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I have written XXXX XXXX XXXX XXXX letters to Kay Jewelers regarding their reporting of a fraudulent Kay Jewelers account to the mailing address listed on my credit reports to advise them regarding the fraudulently reporting account. Although the account is reporting a {$0.00} balance, the account does not belong to me and should not be reported on my credit reports because the account is a fraudulent account not belonging to me and credit reports are only supposed to contain accurate information. Despite mailing them the letters, the account continues reporting on my XXXX XXXX XXXX XXXX XXXXXXXX credit reports. The only communication that I have received from Kay Jewelers was a generic letter advising me that the account belongs to me because statements were mailed. I have never received any statements in the mail from Kay Jewelers.
|
| 03/04/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
XXXX and XXXX XXXX company keeps calling myself and family members multiple times, saying i have a lawsuit againt me from a debt from XXXX XXXX. Which i did have a debt with them in the past. i did payoff that debt and cleared it from my credit report from all 3 credit buerls. So this comoany is saying they tried suphena me many times could not get a hold of me so there are marking it up as a refusal to sign and now they say i have to appear in court. I told this company i have already settled this debt and will report them to the police. They hang up on me at this point or start yelling at me saying there sendind me to court. I have not received anything on the mail or no one has come to my address where i have lived the passed 12 years so im not hard to find. this company is harrasing my family and i. i really would like it to stop
|
| 07/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I lost my job few months ago. A representative from Kays Jewelers called and offered me a hardship plan IF I paid a specific amount by a certain date. I explained I did not have the amount and was told they would send me information in the mail to help until I started working. Instead, they call me EVERYDAY, ALL DAY from different phone numbers. They have even called my old place of employment and a relative. It 's always someone on the other end eith zero sympathy and recently threatened to take legal action ( I have several conversations recorded ). I told the representative that called me multiple times a day ( upwards of 10 ) was harassment. They do not care! It 's not only embarrassing, but it is a situation that has caused my anxiety and stress levels to skyrocket because I do n't know what tactics they are going to use next.
|
| 03/23/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
I received a call from a third party collection agency with no verification at all. The representative for the company proceeded releasing my personal information which is a violation of the FDCP with no verification. I then filed a law suit, and the collection account remains on my credit report as a charge off with no balance. The company made the mistake of not following the rules. I am filing this complaint because it was a mistake with the call and therefore the account should be completely removed from credit report. Why is this still on my credit report when It has been charged off for several months. I am requesting the removal of the Kay Jewlers account off of my credit report as I did my part to get the account closed by means necessary. I do n't believe I should be held accountable for violations committed against me.
|
| 12/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX from XXXX XXXX XXXX has been harassing me, my family and friends /acquaintances. I originally spoke with him and told him I paid the debt XX/XX/2018. He continued to call multiple times a day and then began calling my family and friends. I asked him not to call them 3 times and he continued to do so. My family requested he stop calling them and would repeatedly call them anyway. He left a detailed voicemail on my brothers phone about how I am refusing to pay the debt and he will Be reporting me to the credit bureau as refusal to pay. I spoke with him again and told him to stop calling anyone other than me and he has repeatedly been calling. He is very aggressive and wont stop. I have the receipt of the paid account so I know its paid in full. Hes been calling XXXX XXXX, XXXX XXXX, XXXX, and before and after XXXX.
|
| 11/09/2015 |
Yes |
|
|
|
Web |
|
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I was told by a Kay Jewelers employee that they have an account that I can order that is " not a credit card and will not affect anything having to do with credit rating agencies. '' I was told that " the credit check is independent of the agencies and will not be shown as an attempt to obtain a line of credit or a credit card. '' I was also told that I will receive XXXX % off my purchase. I did n't receive XXXX % off, was left waiting for 30 min as they approved the card, and was then promptly charged interest on the card. Furthermore, I found out that this card was issued by obtaining a credit report, which I did NOT authorize. When I closed the account, I received a letter stating that the credit agencies will be notified of the closing of the account. This is completely unacceptable as I was misled on several levels.
|
| 02/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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Kay Jewelers/ XXXX is reporting the same late payment twice on my credit report to XXXX . I have tried twice to have the duplicate late payment report removed. I filed an electronic dispute through XXXX dispute center that was unsuccessful. I was informed the information was correct and would remain unchanged even though within the dispute I acknowledged the information was correct however that it was a duplicate report. I attempted once more in writing to both XXXX and to the Kay Jewelers to have the duplicate removed from my credit report and was once more unsuccessful. I was informed that only the information would be updated which was also incorrect due to my Kays card being closed in XXXX and now it shows that I had an open account with them all of XXXX which is inaccurate. Please help me correct these mistakes.
|
| 05/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I have been on bedrest and out of work because I had a XXXX of my XXXX I have made arrangements with the company to pay my bill for my account and when I called to do this explained my situation and what i wanted to do and never once did the rep say my account was closing giving me a malicious payment plan knowing if the account was closed it wasn't my priority bill to pay as my priority was to maintain open household bills when i called few months later to get my mother a gift for taking my kids during my hard time I asked the rep why is it showing there isn't a available balance when the accounts been paid and the rep told me the company closed my account for not paying yet I have receipts of payments I am no seeking legal damages for the company for discrimination and malicious attempts to collect a debt
|
| 07/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I originally had a credit card with jay jewelers that was offered at the time or purchase of a engagement ring. I did not proceed with the marriage and or engagement and the ring was returned. I was told this was all clarified and taken care of at the store at the time of return. At the time of return both employees were running credit and trying to figure out how to return the item. They mentioned it was resolved and I was good to go. This was at the Kay jewelers inside the mall at XXXX XXXX. This was over 10 years ago and now I received a letter about a bank levy from some random company. I dont believe there was ever any legal action and or judgement but these are threats against my accounts. I need this to be addressed and this company needs to know they cant harass people for debt that doesnt belong.
|
| 11/06/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX and they are collecting for Kay Jewelers aka Sterling Jewelers for account XXXX. This account is one fraudulent account included in my identity theft.
|
| 08/06/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
XXXX my mom and grandma handles my bills and calls. My grandma tryed to make payments do to we cant pay my bill in full and he said no he needs to pay the XXXX then later told her XXXX then XXXX and now also told her i will be arrested and it will be a XXXX dollar fine and will need a bail bond then to get me out of jail. Then refused to talk to her now and said after he told her i have till XX/XX/XXXX to pay it turned around and said i have to push this threw that i will not speek to her anymore and i have XXXX hrs to respond. He has called multiple times even when im at work and has even called at XXXX before. I find the treats offensive with the jail time the refused to take payments when we tryed to work with him and even the backout of the date he told her on profesional and this is also illegel.
|
| 09/01/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
On XX/XX/XXXX I was shopping with my fianc at Kays Jewelers. The Manager was assisting us and she was very pushy about a credit card. I told her multiple times that I did not want a credit card. After we selected a ring to purchase, she said that they would do 0 % financing through the store credit card. I again said no. Then she said Well lets just see what youre pre-approved for but you dont have to actually apply. I agreed. After being pre-approved she started showing me merchandise well outside of my budget. It made me uncomfortable so I left without making a purchase.
Then on XX/XX/XXXX I received the Kays card that I never knew I applied for. Im currently going through the refinancing process on my home. I NEVER agreed to apply for this card and I am highly upset that I was outright lied to.
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Opened an account XXXX with Kay jewelers. In XXXX Sterling jewelers showed up on my credit report. I have never had an account with Sterling jewelers. I believe after speaking with Sterling Jewelers and their lack of cooperation. In order to continue reporting the collection account, after the Oregon statute period of 6 years, they used a new name and reported the account open in XXXX. The Kay account I had was closed in XXXX and never reopened. This account is over 8 years old.
I have never had an account with sterling jewelers.
XXXX XXXX XXXX XXXX stated they are allowed to collect under any name as long as they purchased the debt. The information on my credit report is completely in accurate. Despite requests to report accurately and multiple disputes they will not correct my report.
|
| 03/09/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Received a call from a 3rd party whom stated a law office reached out stating I owed a little over {$600.00}, gave full details on my account as well as partial of my social security number. I then reached out to the original debt company, Kay Jewlers, and was informed that I do NOT have any outstanding debt with the company. They directed me to " XXXX '' account managing, whom also showed a closed account with a XXXX balance. I spoke with the law office, whom is not only calling several times, giving my information and personal details to a 3rd party person not involved, and leaving me voicemails for totally different named people. XXXX XXXX XXXX XXXX XXXX ( XXXX, NY ) stated " you can either pay now, or I will go ahead and procced with a default judgement on you Friday Morning. ''
|
| 10/01/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
Servicemember |
|
I received a voicemail about a debt from 9 years ago from a respresentative stating to work for XXXX XXXX XXXX number XXXX XXXX XXXX XXXX. Unsure of the debt I contacted the phone provided and was informed that they were suing me for a debt I apparently owed in 2008 to Kay Jewelers for {$2000.00}. After informing them that I had no knowledge of the debt or have I received any communication of the debt, he informed me that I could no longer challenge whether the debt was actually mind. He then gave me XXXX options to pay the debt. I refused stating again that I can not pay for something I do not owe. He then threated that I was being sued and that my wages would be garnished. Before I could ask any more questions, the representative stated, " Good luck in court '', before hanging up.
|
| 01/21/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Purchase in the amount of {$5000.00} dated XX/XX/XXXX was returned in full at a Jared retail store on XX/XX/XXXX. This return would make the account a XXXX balance. I immediately logged into the XXXX XXXX XXXX XXXX account and noticed that the available credit was updated as being fully available. Therefore, the system recognized that a return was made but not posted as of yet. On XX/XX/XXXX, I contacted customer service and spoke to XXXX, he advised that the credit could take 2-4 days to post, I mentioned a payment was due on XX/XX/XXXX. XXXX placed me on hold and proceeds to tell me that I still must make a payment, than states that if I do not make the payment, I will receive a late fee! Lastly, he claims that I can than request a refund, this seems to be a bit backwards.
|
| 01/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am currently receiving debt collection letters and have a false negative collection report on my credit report filed by XXXX XXXX XXXX. XXXX is claiming that I owe a debt from Sterling Jewelers ( Jared Jewelers ) in the amount of {$7700.00} dating back to XX/XX/2014. My identity was stolen back in XXXX. Sterling Jewelers, after investigating the charge on my account, determined that I was in fact the victim of fraud and that the debt was being cleared from my account. I possess a letter from Sterling Jewelers dated XX/XX/2014 stating that the fraudulent information would be deleted from my credit report and that the updated information would be reported to XXXX, XXXX and XXXX XXXX credit bureaus. This matter was closed six years ago and I am STILL suffering consequences.
|
| 03/14/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
I recently lost my job right before XXXX last year. Since I have n't found a new one yet I have been unable to keep up on my credit cards or keep my cell phone turned on. Since Kay jewelers has been unable to get ahold of me, they have been calling every family member and my ex husband and his family and disclosing information about my debt! They told my grandma that she needed to get ahold of me on XXXX to contact me about paperwork I needed to finish filling out for my credit card!!! What on earth?! It 's embarrassing enough losing my job and not being able to pay anything after I had such good credit and now they 're just humiliating me while I 'm down. Now every single member of my family and my ex husbands family knows I have a Kay jewelers card that I 'm behind on.
|
| 05/25/2015 |
Yes |
|
|
|
Web |
Older American |
|
Received a call from a XXXX phone number before XXXX, XXXX. I picked up phone on fourth ring, and the phone calling hung up. I recalled them after XXXX, and complained, would not give me IID of person that called. Said they were sorry, and put supervisor on, again no ID provided. He stated that he in in Jared Jewelers corporate office in Ohio, and further stated it is the same time zone as XXXX, XXXX. I stated that it was XXXX I called the XXXX number and reach him. He stated well the towers are different and he ca n't be responsible for what tower was used and stated again he was in Ohio. He wanted to speak about my payment. I told him I ca n't pay till after the first when my VA XXXX check arrives. He wanted post date checks or my bank account. I refused and hung up.
|
| 09/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
Apparently this company Kay jewelry or the debt company XXXX XXXX XXXX keeps harassing me with multiple phone calls, threatening to take my car away and to call my employer to garnish all my paychecks 25 % when I clearly asked them not to. I havent had a credit card with Kay jewelry for almost 10 plus years and I have been spoken with someone during that time to pay off my credit card a different debt collection company for {$200.00} every month to help pay for it. I have never heard of this current debt collection from Kay jewelry/ XXXX XXXX XXXX I am constantly being harassed every day with phone calls and threats to take away my car and any kind of property I have. This needs to be stopped because I have paid off my debt and its no longer on my credit debt list
|
| 06/23/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I got a ring in XXXX from Jared Jewelers. I have NEVER received a bill in the mail and have verified all the information. Before ever getting a bill I started getting calls every few minutes. Turns out I was late and no one said anything. I never got an email, never got a letter, just constant calls. I set up payments with Jared directly and was told everything was fine. XXXX of the payments declined for some reason that is still unknown to me. I was never notified of that until the calls started all over again. I was laughed at when I called back. I also let the lady that I spoke with know that I was getting calls after XXXX which is against the FCC rules. I still have yet to get a bill and I still have yet to get any actual notice of billing or amounts owed.
|
| 09/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
This company will contact me and let it go by the way side for several months then they will contact me then let it go by the way side. The debt is invalid because it happened way beyond the statutes of limitations, but they continue to call and harass me. The woman on the other line was vile, unprofessional, and inappropriate over the phone. She called me a thief, told me to pay my bill, and that there is no way I was able to speak to an upper management at the company. She obviously get 's her XXXX at upsetting peoples day. I was at work and have a family to provide for. This is complete XXXX, and hope they get their license pulled. I will pray that the people at this company find a better way to make a living, no one deserves this treatment. Period.
|
| 02/06/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
i have a payment arrangement set up with Kay Jewelers, we have been making reduced payments in accordance with the arrangement. we have been getting XXXX calls since XX/XX/2016 saying that we have not paid. this information is not true and has been verified with Kay jewelers every time we have spoken with them. Their phone dialer system has called my self and my wife a minute apart and we have spoken with them at the same time and have figured out that the nature of the calls is false. i have repeatedly informed them that if calls continue i will file harassment charges against them. today XXXX/XXXX/16 we have received 4 phone calls back to back from them after hanging up with a representative who has been informed that i am taking action against them
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Kay Jewelers is reporting late payments on this account. Kay Jewelers is reporting the last activity on the account as XXXX but the account was closed in XXXX.
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.
Under 15 USC 1681 602 it states that I have the right to privacy.
Under 15 USC 1681 604 ( A ) ( 2 ) it states that A consumer reporting agency can not furnish an account without my written instructions.
Under 15 USC 1666 ( B ) it states that a creditor shall not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.
This needs to be corrected to never late on my consumer report and your records or deleted from my consumer report and your records.
|
| 10/22/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received a phone call on XX/XX/2016 stating they had important information about my residence and they stated my address in their voice mail message. My wife, brother, sister in law and nephew all received phone calls today stating they have urgent and time sensitive information they are trying to deliver to me and gave a case #. The phone # they gave for call back was XXXX.
I have never given this company or this person prior express consent.
Their company website is found at XXXX Their contact information is given as follows : XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, California XXXX XXXX XXXX : XXXX Facsimile : XXXX Other addresses for XXXX XXXX XXXX include : XXXX XXXX XXXX , XXXX.
XXXX XXXX XXXX XXXX, California XXXX
|
| 06/05/2016 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
|
|
Sterling Jewelers / XXXX XXXX provide a Credit Card option. Once you receive you card you are able to sign up for paperless billing statements delivered to your email. This service is provided by all of my credit card companies which I opt in to allow me to manage my payments and credit line accounts as I am certain that many folks do. Sterling Jewlers however continues to fail to send the e-statements yet are able to send multiple ( up to 5 per week ) sales promotional emails. It would be interesting to see if this is a common practice by the company to bilk consumers of money by assessing late fees or if they actually believe they are sending the e-statements yet have a system flaw which could have an adverse experience to someones credit file.
|
| 09/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Receiving multiple repetitious collection calls from collection agency on my sons account that is in collections with XXXX XXXX XXXX XXXX. Called me XXXX/XXXX/16 at 4 separate times from XXXX different numbers XXXX and XXXX between XXXX and XXXX. On all 4 calls received during that 8 minute period, no messages were left requesting a call back. 4 calls from a collection agency in 8 minutes is collection harassment. Especially since no messages were left. In addition, this collection account is actually in my sons name, but he did approve for me to speak the them on his behalf. I spoke with them 2 days in a row in attempt to resolve the collection account balance, but there is no need to continuously make harassing repetitious phone calls.
|
| 04/05/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On Tuesday XX/XX/2019 I received a vm from XXXX XXXX XXXX. I returned the call and spoke with XXXX at XXXX. I requested validation of my debt and he responded by saying it was already sent. I again requested for the validation to be mailed to my address and I verified my address. XXXX said he would email it. I said no email, I prefer by mail. On XX/XX/2019 I received the correspondence via email when I strictly requested by mail. Then I asked for no more calls as I would take care of the balance after reviewing the validation. Today XX/XX/2019, my brother sent me a message via messenger saying XXXX called him asking for information about me. I already asked for no more calls so I am not sure why they continue to harass me and my family.
|
| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
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 Data 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.
|
| 08/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
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 Data 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.
|
| 06/25/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear Sterling Incorporated, I just discovered that even after disputing with the credit bureaus, there is still an account from your company being reported improperly. I am not sure of the origin of the account. This is why I would like validation of the debt to verify its accuracy. I need to examine the billing statements that show how the balances accumulated and the original signed contracts or applications giving the original creditor permission to bill me. I have been the victim of identity theft in the past.. At this point I am not alleging it is a fraudulent account, however ; it is a possibility. I need to look through these documents to determine if the account or charges to the account were the result of unauthorized use.
|
| 11/20/2016 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
Older American |
|
I went into Kay Jewelers to make a purchase and resize a ring and while there, I was asked if I wanted to open a line of credit/credit card. Multiple times I said no, but they gave me lots of information and confused me and at one point, they said I had to give them my social security number. When I questioned them as to why they needed it, they just repeated to me that they needed it. I did n't know why they needed it and I was confused. I went back the next day with my daughter to cancel the purchase and repair, get my jewelry and money back they said that they needed my social security number to open a credit card. I again told them that I said multiple times, NO I did n't want that, but the manager said that I must have agreed.
|
| 05/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Balance {$2300.00} XXXX XXXX Open date octob XX/XX/XXXX XXXX XXXX Open date og XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Kay jewelers Open date XXXX XX/XX/XXXX XXXX XXXX Open date XXXX XX/XX/XXXX I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities on an account that is already open.
|
| 11/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX Credit report indicates date of XX/XX/2012 I am requesting validation, made pursuant to the Fair Debt Collection Practice Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for the debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
|
| 07/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I had my credit pulled recently and I was looking through it and it came back showing I have late payments for the dates : XX/XX/16, XX/XX/16, XX/XX/16 & XX/XX/16.
I have tried to reach the department various times and I have no luck.
I am in the process of trying to buy a house and need these removed from my credit report please. I had an account with Kay Jewelers and always paid on time, until there was fraud and identity theft with my bank and they were unable to process payments that I made to you all. I made my payment in full and decided to close the account but am looking to in the future reopen my account once I have bought my house I hope the late payments can be removed from my credit report.
Thank you
|
| 07/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
They kept calling my cell, my parents house, my old work that I had left from 3 years ago. Claiming they were sent from Kay jewelers to collect on an old debt and that if I did n't they would sue. I have no job so I figured I would go to jail. So we set up payments. But I used my husbands card. We 're struggling as it is. But I figured not having me around would make life way harder. They said I would receive something. In the mail. I never did. I called back but never got in touch with original person and the message greeting just says " law office please leave a message '' that does not sound right. I believe they were a fake. They manipulated me and made me fear and harassed me and my family until I believed them.
|
| 01/21/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Kay Jewlers are reporting information in my name to the credit reporting agency XXXX without ever sending me any type of communication that a debt was to be paid or owed to them i was a victim of fraud never even knew this account existed intill seeing it reported to my credit report when i reached out to the collection company they told me the company was out of business and that they didnt have any information for me or about any money that was owed. I asked them to remove the information on several occaisions or provide me some type of proof that the information indeed belong to me. there is no dates opened or how the account was created reporting to my file.violating my rights that protect me as a consumer.
|
| 01/20/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
My XXXX credit card I have with Kay Jewelers was closed in XX/XX/2020. I was not notified until I tried to make a purchase with the card in XX/XX/2020. I was hit with hard times because of COVID very badly. I did not receive a bill from XXXX from XXXX-XX/XX/2020. I tried to make purchase in XXXX and was in the store and they notified me that the account was closed as I went to pay. My credit score was impacted badly by this account being closed and dropped a severe amount. I am now trying to start the process to purchase a house and being told my credit score is too low. With out the closing of this account on my credit report, I am confident that my credit score would be in much better standing. Thank you.
|
| 01/16/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
Servicemember |
|
I received a letter XXXX dated XX/XX/20 ) from XXXX XXXX Card Services on XX/XX/20 advising they closed my Kay Jewelers credit card account due to inactivity. I received no prior notification of this closure. I called customer service and was told that is just what they do, I escalated to XXXX she kindly told me I can re apply but reopening my account is not an option. I requested her manager as 2 issues : You have damaged ( lowered ) my credit score by closing the account. This lowers my percent of usage and shows an account recently closed. 2 if I reapply that is a hard inquiry on my credit which also lowers my credit score. I request that this account ( that was in good standing ) be reopened immediately.
|
| 08/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have been writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the company directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( XXXX, XXXX & XXXX ) to investigate the late payments for me. In return these companies never responded to my request.
Kay Jewelers are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
|
| 01/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 10/12/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
I have contacted this collection agency more then once and told them not to call my place of employment. They call my job everyday and leave messages such as if he does n't call us by XXXX we will send legal paperwork to his job. Futhrrmore they are calling my family members saying I 'm in trouble and need his phone number and last they made threats to me for example they say do you know where your daughter XXXX is I said why then they said you better check on her. I mean really come on and I also get a call from a private number they hang up just to get my voice mail saying that I will be receiving legal paperwork from my local county and you need to call up to make sure you address has not changed.
|
| 09/27/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Servicemember |
|
On Wednesday, XX/XX/XXXX, an employee at XXXX XXXX affiliate store, XXXX XXXX, signed me up for an unauthorized account. I was never shown a credit card brochure, told about a credit card, or anything of the sort. I have had to work with the credit bureaus to have this credit account removed from my records. The company was not concerned at all - they have an employee requirement to sign customers up for a specific number of credit cards a month, which likely fosters the employee 's desire to do this. The employee, in his haste, to sign me up for an account used my middle name as my last name. I was able to get this credit card removed from my credit records, however it did impact my credit score.
|
| 08/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
When I pick the line up there is a brief pause and an automated voice asking me to hold onto the line then an operator comes on and makes sure that I am the person they want to speak to. They ask if I hold an account with XXXX and infrom me that I have an overdue balance. This is the second time I have recieved a call today. The first time I did not recognize the number but knew it was a debt collector from previous expereince.
I was prevoiusly behind on the account and recieved up to four phone calls a day from different numbers, with different area codes, throughout different times a daty.
While I take resposibilty for being late on payments the non stop phone calls are borderlineharrasment.
|
| 11/09/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
Prior to contacting Kay Jewelers about my lost credit card, I contacted a number XXXX. When giving information to look up my account, the lady notified me that she was unable to find my account and I dont have an account with the company, which I have for years and I never canceled it. She then insisted that I give her my entire social security number to look up my account, which I refused. She informed me there no other way to look up my account. I believe that this was an attempt of fraud in obtaining my social security number. I was able to locate another number for Kay Jewelers customer service where they were easily able to locate my account with out obtaining my social security number.
|
| 03/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
XX/XX/XXXX I had a chance to review my XXXX credit report via XXXX XXXX.On it I noticed an error. I saw that I had a Jared account on my credit report in which I do but it is not the right account infromation that is on my actually Jareds bill. I disputed several times by certified mail due to this incident and sent it to XXXX. XXXX says its right then says that Jareds has verified it. How is this? When I received the dispute investigation results I saw that the Item was not removed. I repeated this process for over 4 months with still no results. So on XX/XX/XXXX I called XXXX and Jared to correct the account information. My Jareds account number is XXXX. Yet the XXXX account still remains.
|
| 03/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, I have tried on numerous occasions to get this debt removed. It doesnt not belong to me. I am a victim of identity theft. Police Reports were filed and there is a note on my credit bureaus as well as with the FCRA. Kay Jewelers ( XXXX ) has been trying to collect a debt from me that I do not owe. I have provided my ID, place of residence etc and asked them to provide me with this collection info to no-avail. This is sitting o not credit report and making it difficult for me to obtain things that I need. I am livid! How does one allow someone to get credit under someone elses name with our actually providing the correct information??
I need this collection item removed upon receipt.
|
| 12/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
Back in XXXX I purchased a ring with a Kay 's credit card. I had just gotten out of the military and went through hard times and did not pay the payments. It went into collections but was later closed. It has been years and we have heard NOTHING from kay jewelerXXXX. In the meantime I had purchased a vehicle and home with no issues and no remarks of portfolio recovery. Today, XX/XX/XXXX I received a letter for notice of bank levy in the amount of XXXX. Stating their other attempts have failed and they will garnish my AND spouse bank account ( we werent married at that time ). This was from XXXX and it was never for that amount that they're asking. We have received no other correspondence.
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| 05/04/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I bought a wedding ring XX/XX/2016 with a Promotional Cero interest for 24 months. I chose the automatic payment option of {$530.00} a month since I knew it was going to be fixed until the account is pay off. Two months back, I realized I was being charge interest rate since the loan started. Its more than {$1000.00}. I have make several attempts for the past 2 months by calling and talking to different representatives with no results. In fact, they told me that in XX/XX/XXXX they were going to reimbursed me the interest charges. Its XX/XX/XXXX and I am still in the same position I was 2 months ago. I called 2 days ago and I feel they are giving me the run around. I need your help please.
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| 07/09/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Kay Jewelers reflects I opened an account o n XX/XX/XXXX which is not true. I have contacted them numerous times over the past 5 years. They have failed to act and state I owe them {$1000.00} which is simply untrue. I have called them well over 30 times this year alone and countless times years past. I have sent them faxes, emails, and letters to have this issue resolved. The latest set of letters were sent in XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX . Kay Jewelers which parent com pany is Sterling Jewelry have failed to operate in good faith when someone who was obviously a victim of identity theft notifies them of such and tries to have said theft removed from their credit report.
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| 05/03/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
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Web |
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Called my work and my wifes work. Saying they were going to send me a subpoena, If I did n't call them with in the hour. I called them and they are telling me they are issuing subpoena to me and my wife. They claim to have sent me paperwork on this three weeks ago, I received nothing. I asked them to send me the document again they claim to not have the document anymore. They offered me a payment plan of {$990.00} on time or a 5 time payment plan of {$330.00} or they would have to send me a subpoena today. I told them to have the local Sheriff deliver it to my home address. The gentlemen got upset and hung up on me. This dept is over 12 years old and this is a third party dept collector.
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| 02/05/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have been writing the credit bureaus and this company about this account and they are both refusing to validate or verify the debt. This particular complaint is against this company. I want this account removed from the credit reporting agencies because its inaccurate and false and they refused to verify or validate the debt and gave me a stall tactic response. I have attached the documents that I sent to them and their response. This has been going on too long and I am fed up with this foolishness. I am not attaching any identification documents for my fear that this company will use it to fraudulently validate this debt. This account has so many inaccuracies across all three bureaus
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| 01/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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I went to pay my complete balance off at the kays store and i thought i paid everything off as what the company told me and at the same time i had just moved so by the time i got everything in order with my mail i recieved a collection for the amount of {$40.00} at that point i contacted kays and i spoke with them about removing the bad status remarks on my account if i paid off the balance with them they agreed and told me i just had to make a payment and that i wont have nothing effecting my score or my payment history and they have yet to fix they finally removed that i have a balance with them but they didnt removed some remarks and my payment history and its affecting my score.
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| 04/08/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
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|
Web |
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XXXX XXXX opened one or two credit accounts in my name by one or more of their store employees without my authorization or consent. The account ( s ) were opened at their XXXX store located at XXXX XXXX XXXX, XXXX, CT XXXX. The company was fined by the CFPB in the amount of XXXX XXXX for this type of behavior, their employees get you to apply to avoid charging you for services such as a watch fitting, they take your information and apply you for an account and state it is optional to open. However, it appears they in fact opened account ( s ) and they were used to make purchases which I did not authorize or make. I request these accounts removed from credit bureaus/collections.
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| 04/05/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
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Kay Jewelers has been calling me repeatedly regarding a past due payment. They are calling from multiple different numbers, never leaving a message and calling multiple times a day multiple times in an hour or two time period. This is harassment. I spoke with them Monday and they stated that if I scheduled a payment online to be taken out this coming Friday that the calls would stop, two days later they have called three times this morning ( XXXX., XXXX and XXXX ) from three different numbers ( XXXX, XXXX and XXXX. Monday they had called three times as well back to back at XXXX., XXXX., and XXXX. This is harassment, I scheduled the payment online and the calls have not stopped.
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| 09/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
Servicemember |
|
Since XX/XX/XXXX I have been receive phone calls from a company called XXXX XXXX. First call was to let me know about what they had in their offices. I then told them to please don't call me again but there have been three other phones calls since then. They use a robot call to bait you into having to speak to a real person. The second time they called me I did mention to them that I asked not to be called again but no one seemed to listen as person after to person hung up on me. O called them three times to make sure they knew not to call me again but that didn't stop them because to other attempts were made. If you have rights and you enforce them then way don't they listen?
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| 08/12/2016 |
Yes |
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Web |
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I returned XXXX items to Kay jewlers in the XXXX XXXX, CA mall on XXXX/XXXX/16. Sales person assured me that the money was instantly refunded. Card is still stating a balance of {$2700.00}. The balance owed should be {$0.00} since I no longer have the purchased items. {$0.00} in merchandise = {$0.00} owed. Please correct the {$2.00}, XXXX balance on my account to {$0.00} immediately, as I should no longer have a balance as all merchandise was returned. I called four different times and all four times the people on the phone assured me that they will send a ticket to the XXXX or it department and they will set the balance to {$0.00} since I returned all purchased merchandise.
|
| 11/16/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
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I have a past due debt with jared 's. I became ill 12 months ago and have had difficulty with their insurance protection company not accepting my paperwork and refusing to open a claim. In the process I have made all attempts to make minimal payments, but unable to do so any longer. Jared 's has called 20 times per day, and now they are contacting my family members and disclosing information about our debt. They have called my spouses employer in an attempt to contact me. They are also calling under false pretenses. Pretending to be a tire service and other insurance companies as XXXX and banks, XXXX XXXX. They are also calling and not identifying themselves on caller ID.
|
| 10/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately.
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| 04/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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On XX/XX/2019 I was contacted and harassed by XXXX XXXX XXXX XXXX on the behalf of Kay Jewelers in regards to a debt in the amount of XXXX. I was told that if the debt was not paid at that exact moment, that I would be served with papers and sued with the possibility of jail time. There was no option of negotiating the debt, and when asked what would be done once the debt is settled I was informed that they would remove the account from all three credit reporting agencies. It has now been 1 year and the account remains. Also, they have harassed family members after the debt being paid. I paid the debt with my husbands credit card and have attached that document as well.
|
| 10/04/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
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|
Web |
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On XX/XX/2019 I submitted a payment through XXXX payment portal. When making a paying the " Payment Source '' minimum payment value was XXXX because this value was nearly double what my normal payment was I assumed I had missed a payment. After further research I discovered I had not missed a payment so I called " XXXX XXXX XXXX XXXX, XXXX '' and spoke to a lady named XXXX who helped me the best she could. She agreed that I had not missed a payment but stated she could not refund me the amount I overpaid. It seems that their payment portal does not have a reliable minimum payment value for their drop down which could cause users to give the wrong minimum payment.
|
| 10/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I have try contacting XXXX XXXX XXXX and XXXX along with original creditor as a count is stating incorrectly. creditor stated over the phone that they no longer own this account therefore they cant do anything about it. Bureaus continue to investigate and results continue to come back incorrectly. Account is stating closed {$0.00} balance {$0.00} pass due with perfect payment history and no late payments with XXXX. Yet, all three bureaus are reporting payment status as charge off with Inaccurate de last active and date last reported. Date open has changed as well. Along with missing data on date last payment yer XXXX report payment history. This is not possible!
|
| 07/26/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
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I was contacted by a company called XXXX XXXX XXXX. I was told that there was a court case against me for larceny of property for a XXXX XXXX credit card account that has been closed since XXXX. I was told I needed to send {$500.00} by XXXX on XX/XX/XXXX or there would be a warrant placed for my arrest. I had not received any communication by mail prior to this phone call nor did I receive any other phone calls prior except for a phone call that was placed to me on XX/XX/XXXX which I thought was fraudulent. I also received a call coming from my county courthouse and was told I would need to contact this creditor or I could have a felony charge on my background.
|
| 11/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX I applied for a Kays credit card. The manager & regular sales associate told me that it would only be a soft inquiry on my credit, after I expressed my concern of the inquiry. I had not built any credit at that point, so I figured why not build my credit with a small amount on a Kays card. I talked to the manager at Kays & she told me to either go online or call the number on the back of my card. I emailed Sterling Jewelers on Saturday, XX/XX/XXXX to make them aware of the situation. Today, XX/XX/XXXX I received an email informing me that I needed to contact the CFPB, since they are unable to modify information being reported to the credit bureau.
|
| 06/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have disputed multiple times with all XXXX credit bureaus because an account with KAY JEWELRY is o n my credit report. The account was opened in 2011 . I was in XXXX XXXX at the time and never opened this account. I do not know who did however I have never done business w ith KAY. I have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to me!
|
| 03/17/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
We have been customers of Jarods for several years. Recently, we upgraded my diamond due to a " special '' sale at XXXX On 4 occasions, we were told that the Annual Percentage Rate for this " sale '' was 3 years at 1.25 %. We decided go move forward due to this " special '' rate. Monthly, my fiance questioned the payment due on the statement ... as it did not look correct. Finally, I took a look at the statement, only to see that the 1.25 % is a MONTHLY - NOT ANNUAL Percentage rate.
I called the customer service and had no luck. Oddly, when at work- I talked about this with my co-workers, and another lady had the EXACT same issue at a different XXXX location.
|
| 06/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
On XXXX/XXXX/2015, a collection company named XXXX XXXX called my landlord trying to locate me concerning a debt claim. The debt in question is from an old Kay Jewelers account which is currently being disputed. The caller did not announce they where a debt collector and pretended to be a potential employer trying to gain information concerning my address/employment. I am unable to work due XXXX within the last three years. The constant harassment from this company is extremely stressful and totally unnecessary. On a previous occasion, this company told me to sell my belongings in order to pay this debt when I told them I had recently XXXX was unable to work.
|
| 02/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
On XX/XX/2020 a lady named XXXX XXXX called 3 family members. Violating confidential information by telling one of them that she was going to 1. ) sue me for an old debt that I have with 2. ) Key Jewelers also 3. ) giving the amount that I owe. Giving all info to a third party is illegal and against the Fair Debt Collection Act.
When I called back and spoke to XXXX, She was not satisfied with me not being able to pay for the debt at the time, she threatened me twice by saying she was going to take me to court and sue me. When asked for an address to send correspondence to, she refused to give it. Making threats is also against the Fair Debt Collection Act
|
| 09/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company ( XXXX XXXX XXXX ) contacted me several times, and has been informed several times the debt has been paid. They have never once, until today given me a way to prove that the debt was paid. In the past, they have hung up on me once I have told them the debt is resolved, that I have the evidence of such, ect. They claim that they have been trying to contact me, which when I have answered their harassing calls from the same numbers, they never told me the company they are from.
It is my belief that Kay Jewelers is attempting to collect this debt or this company is attempting to collect this debt fraudulently, and they are harassing me over it.
|
| 05/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
As a result of a credit bureau dispute submitted in XX/XX/XXXX, XXXX XXXX has retaliated by marking the account as FP " Failed to Pay '' in XX/XX/XXXX. This is incorrect, as XXXX XXXX sold the account to another collection agency years prior, I believe in XXXX. No indicators for Failed to Pay following this date would be correct. This was blatant retaliation for my submission of a dispute and they should be held accountable.
Further, during said dispute, XXXX XXXX failed to update the tradeline to indicate that the information was disputed. This is a clear violation of FCRA and I fully intend to file suit for the {$1000.00} damages if this not resolved.
|
| 07/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
KAY JEWELERS XXXX XXXX XXXX.
XXXX, OH XXXX ACCOUNT # XXXX This account never went to a charge off status, which for unsecured credit is 180-days late. This is the law that pertains to the FDIC Act, Code 5000. It takes 180-days late, or a total of 210 days from last payment before an unsecure credit trade line can be values as sub-standard. Accordingly, even though Kay Jewelers was satisfied in full, there is no exception on a charge off tradeline unless the 180-day late timeline has materialized. Therefore, the Charge-Off status is outside the legal guidelines, and must be deleted permanently.
THIS CHARGE OFF TRADELINE MUST BE DELETED PERMANENTLY!!!
|
| 07/14/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
On XX/XX/XXXX I opened up a Kay Jewelers Credit Card. I was making my payments on time. In XX/XX/XXXX I filed for Chapter XXXX Bankruptcy and it was discharged.The credit Card was included in the bankruptcy. For some reason, the Kay Jewelers credit card was still reporting on my credit report just recently and is affecting my credit score because it shows up as an inquiry/derogatory.
I hired a 3rd party company to try and dispute this. They reached out to Kay Jewelers but all Kay Jewelers did was update it rather than delete it off my credit report. I would like this removed off my credit report so that it does not report on my credit report anymore.
|
| 01/07/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 12/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 08/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Collector called my place of employment numerous times after I asked them not to. Collector called my boss and asked the best way to gain entry to inside the building. Collector threatened my spouse stating that she pay my debt now or face wage garnishments of 25 % or a seize of joint bank accounts will occur. Collector calls my phone an obscene amount of times in a 24 hour period. Collector has threatened to sue me. Collector states they need me to meet them somewhere for serving me legal documents.
I offered to set up a monthly payment plan in an attempt to pay off an extremely old debt ( 4 years old ) Collector refuses my attempts to settle.
|
| 11/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXXXXXX XXXX XXXXXXXX has a charge off on my credit report for {$89.00} I have disputed this account many times and hasnt had a proper investigation. This is not my account and has hurt my ability to obtain credit for this inaccurate reporting.
I believe this account is also reported wrong on all three bureaus Why on each bureau theyre are different high credit and credit limit? Also it shows different days that this account was opened. There is missing information on this account from each bureau and under the FCRA everything furnished should be 100 % accurate and completeness. This should be promptly removed as it is in violation of FCRA laws
|
| 10/18/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Greetings : I called XXXX XXXX customer service to purchase a diamond ring over the phone through XXXX credit card so I made the purchase over the phone and the agent took all the information needed to complete my purchase however I have not received the order since XXXX XXXX 2017 So I have called several times to resolve the issue, so XXXX customer service response always was contact XXXX since the shipment supposed to be delivered by them so I called XXXX to report that issue so they opened the case however I have not gotten any calls from their investigation department to resolve my issue so please assist me with that Issue. Thank you
|
| 11/28/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had a credit card with XXXX 's XXXX for two years never had a late payment. My bill was due the XXXX of every month. Unfortunately, XX/XX/XXXX I had a XXXX in my family and had to go out of town for a couple of weeks. I somehow missed my payment due on the XX/XX/XXXX but, paid it on XX/XX/XXXX after I got back in town after the funeral. The next day I received a letter in the mail from XXXX XXXX XXXX stating that I was 30 days late and my account was closed. I called customer service and the rep stated that my account was closed due to non-payment and they could not reopened my account but if I waited a year they might reconsider.
|
| 06/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid this card off. There was {$29.00} dollars of interest on the card that I was not aware of. I never received a statement. I didn't even know it was there - as far as I knew, I had paid my balance down to XXXX.
They reported this as a 30 day late in XX/XX/2020 onto my credit report. They wouldn ; t work with me at all on fixing this. This is an outrage - we are in the middle of COVID and I found a way to pay this card off and I still got hit with a late.
Absolutely ridiculous!
The card is paid off in full at this point. I have always made my payments on time on this card and this interest was never told to me when I called.
|
| 05/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
|
| 01/15/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
They call me repeatedly, although I 've told them time and time again I will pay them when I can, as I do not have a job, which is why I have n't been able to pay them in the first place. Soon after I bought the item, I lost my job and in addition to this, the item was stolen and when I filed an insurance claim, it was not until then that I was told that theft was not covered under the policy, something an in-store representative failed to mention although I asked her specifically was theft, loss etc covered and that I wouldnt not purchase the item ( s ) if this was not the case and subsequently, I was told a very assuring yes.
|
| 09/30/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
I owe kay jewlers XXXX $ on a XXXX $ card and am XXXX payments behind because my girl isnt working right now since she had a XXXX and kay jewlers calls me about 10 times a day even after XXXX and they also keep calling my boss and many of my family members telling everyone they speak to all of my personal information i have spoken to XXXX supervisors telling them that they cant do this and they still continue to do so soon i will be going to the store and flipping out if this continues my boss is very angry with me and my family is very nosey they should not be doing this its my card not everybody i know to be involved
|
| 05/07/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
I opened a no interest account at Jared 's on XX/XX/2019 and was offered zero interest for 12 months. I have received 3 billing statements and the 1st billing statement I was charged no interest and then after reviewing the 2nd & 3rd billing statements noticed that I was assessed a 28.24 % interest fee. I would never have agreed to open the account if there was the significant amount in interest. I believe that I have been part of a bait and switch finance scheme & I have contacted XXXX XXXX & Jared Jewelers and the response that I have received pretty much stated " sorry you do not have an zero interest account. ''
|
| 01/23/2017 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
Kay Jeweler 's in XXXX XXXX, NY. Employees are required to submit a certain number of store credit card applications a week/month. Management told employees who are n't meeting their quotas to " just re-run applications on people who were already rejected in the past. '' This raises two very questionable issues. 1 ) People are being threatened with losing their jobs over credit applications and being urged to re-run applications without the consumers ' permission, and 2 ) this clearly indicates they are not properly disposing of non-public information and retaining it somewhere for employees to re-use as they please.
|
| 09/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
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| 04/28/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I paid my Kay Jewlelers acco unt on XXXX / XXXX / 15 as " settled in full '' for the amount of {$250.00} through XXXX XXXX , XXXX . It is reporting on my credit report as paid in full. However, for the last 3 wee ks I have been receiving calls from XXXX XXXX XXXX . They call and when I answer they hang up. I 've had to call back just so I know who is calling me. Once I reached someone I was informed that my Kay Jewelers debt was being sold for the collection of the remaining {$160.00}. If this account is paid/settled in full, why am I being harassed by collection agency that are reselling a paid debt?
|
| 07/07/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
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Web |
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Made original purchase on account on or about XX/XX/2019, returned one item on or about XX/XX/2019, made all required minimum payments on time. The original purchase mentioned above was made as an one year interest free promotion, I have so far followed all terms imposed by the creditor. On or about, the statement of XX/XX/2019, the credit card company transferred approximately {$840.00} as a regular purchase. Additionally, was billed a finance charge of {$21.00} which was not supposed to have happened.
Retail establishment is Jared Jewelers, cardholder management maintained by XXXX XXXX XXXX XXXX XXXX XXXX.
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| 05/25/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. The name of the credit card account was Kay Jewelers who already closed my account on XX/XX/XXXX as charged off and tried to get paid again by putting me in collection.
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| 11/01/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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Account was opened XX/XX/2012 account to all 3 Credit Bureaus in the amount of {$330.00} This should have never even been sold to a collection agency as the original merchandise was brought back as requested to avoid all of this bs. Debt is not even valid ; and I formally request that this is removed and closed from my credit report. Kay has also failed to remove this per the attached notification. This has been on here for no reason, for far to long, I would appreciate that the company removes this immediately.
Tried previously to get this taken care of // Need to get this removed after all this time. XXXX
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| 03/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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This is not sent in error, on XXXX XXXX, my information was used to open a Store credit card that I didn't not agree to. I contacted the company JARED the galleria and XXXX XXXX to have the inquiry and card closed .However they continuously transfered me to other employee and not the fraud department. Every employee states they do not have a fraud department.However this is a violation under multiple laws : -under 15 U.S. Code 1602 ( p ) - unauthorized use of my information -Misleading False Reporting FDCPA Section 807 -This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.
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| 01/23/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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During the XXXX season of XXXX I XXXX XXXX the consumer and natural person alive and living received communication from a third party debt collector XXXX XXXX XXXX XXXX XXXX XXXX owes {$210.00} XXXX This alleged debt had already been disputed and thus removed from my credit reports thru cease and desist with Sterling Jewelers. I have no consumer credit transactions with XXXX XXXX XXXX and did not give XXXX XXXX XXXX permission to contact me or anyone else about this alleged debt owed. On XX/XX/XXXX XXXX XXXX XXXX communicated to CRA 's of alleged debt and it impacted my credit score in a negative manner.
|
| 08/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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I wrote a complaint on XX/XX/XXXX about an unauthorized inquiry and received a response that it would be deleted. This has yet to be deleted from my credit reports across all bureaus.
XX/XX/XXXX Re : CFPB complaint # : XXXX Dear Mr. XXXX : Although the information provided with this complaint matches the information submitted with the credit application, in response to your complaint, they sent a request to the credit bureaus to remove our inquiry from your credit file. o They sent you a confirmation letter. We hope the above information clarifies this matter. Sincerely, XXXX XXXX Resolution Specialist
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| 02/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 12/09/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
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The problem continues to exist after repeated attempts to explain I make the payment in the store and it is never recorded until several days later. Almost every time, the collections are calling when the payment has already been made. Then they try to explain that it does not update right away. We are requesting XXXX XXXX jewelry to stop reporting late payments and remove the 30 day late and acknowledge there is a delay in payment being processed!!! I further request proof of being late thirty days. I always make my payments in store several days after the XXXX of the month, but never 30 days after!
|
| 02/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
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I had an account with XXXX XXXX that became a charge off. In XXXX of 2018 I paid the charge off in full with the original creditor and was advised by the agent that it would reflect on credit as being a paid charge off. I have tried contacting the creditor and have filed multiple complaints with the 3 major credit reporting agencies ( XXXX, XXXX and XXXX ) with no luck on getting the information corrected. I have paid this and it should be reflected on my report that I have. As far as I am aware they are in vialation of the Fair Credit Reporting Act for every time they do not update the information.
|
| 04/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I made arrangements with XXXX XXXX XXXX once I received the debt validation notice. I set up payment plans and made the payments starting in XX/XX/2019. I am on my last payment, and they just posted the account to my credit file as a collection account in XX/XX/2019.
My understanding is that since we made a payment arrangement for the debt before the thirty day validation period, there would not be action taken to my credit file.
I feel that their tactic of allowing a payment arrangement and only posting the collection to my credit file once I am one payment away from completing the agreement.
|
| 02/06/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
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Showing up as a local number on caller ID from a town of less than 400 people. I assure you this company does not do business in this town. The person says they are from XXXX XXXX trying to collect on a debt. I told them to quit calling me as I do not believe they are from the company since they are using a local number.
If it is the case, I find that to be very shady business practices to use a local number to trick individuals thinking they are someone else. I will not and am not going to give any information stating who I am to anyone that can not fully state who they are from a legit number.
|
| 12/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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I had an account with XXXX XXXX that I paid in full. XXXX XXXX/XXXX is reporting that I had collections on this account. I paid a total of {$5400.00} to this company and they are reporting that my account was written off. I paid this account in full! There were no collections on this account. They need to report accurate information on this account or remove it from my credit report. I would appreciate it they would update this account with positive information. The date opened and the date first reported is incorrect. Also this account was not written off and I was never late on this account.
|
| 09/11/2016 |
Yes |
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|
Web |
|
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I 've mailed a certified letter to Kay Jewelers dated XXXX XXXX, 2016 and XXXX XXXX, 2016 regarding an inaccuracy on my credit reports, regarding account number XXXX. Kay Jewelers has FAILED to reply in a timely manner to my initial letter dated XXXX XXXX, 2016 and has also FAILED to furnish to the credit bureaus a " notice of dispute '' on my account within 30 days. Kay Jewelers has not only VIOLATED FEDERAL LAW, but has also FAILED to provide me with a copy of any viable evidence, bearing my signature for this account. Kay Jewelers is liable for willful non-compliance, as per FDCPA and FCRA.
|
| 02/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
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I have received messages from friends and family who have received phone calls or voicemails from XXXX stating that they are trying to reach me. They told my father that I was in danger of being arrested, told my grandmother that I was being prosecuted in a criminal case, told my sister that I was being summoned for jury duty, and told my sister-in-law that they were going to serve my company legal documents subpoenaing me to court. I have contacted the company and asked for a cease and desist order for this debt and asked that they cease all harassing phone calls containing false statements.
|
| 03/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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|
Web |
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I got an engagement ring on Kay Jewelers on XX/XX/XXXX, got a $ XXXX {$700.00} credit with them and I paid up {$700.00} up front to take out the engagement ring that I wanted. I stopped paying for it & on XX/XX/XXXX they called me supposedly that I got served and that I had to pay almost {$900.00} for it not to escalate for it to go to court. He was pretty insisting on the payment and I told him that I would preferably do it later because I wasn't sure it was legit. He had my SS # and a bit of information on the debt. I want to know if I'm actually being served before I try to pay to a scam.
|
| 06/06/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
hello, the following cc company XXXX XXXX XXXX XX/XX/2019 XXXX are reporting the wrong information on my credit report. I have never been late or missed a payment, yet they have me showing 30 day late the problem I have is that the last report date and active date and payments dates are all inaccurate. each of the 3 cb are showing something different. they only report what they are giving. so with that being said whos to say the information that im 30 days late isn't an error on the creditors end. I would like them to fully investigate the problem and make the correct changes to there error.
|
| 01/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/2018 XXXX - XXXX XXXX - - XXXX XX/XX/2018 KAY JEWELERS - For XXXX only XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 02/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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This company XXXX XXXX have a account that's charged off with a XXXX balance reporting on my credit file and it must be removed, because the account does not belong to me and I do not need any name address and statement as proof, because such information does not constitute a validation, I've never opened any account with this company it's the duty of this data furnished to investigate and resolve the matter, not to send and ask me to send things to them I'm not paying any money to research this account it's not mines and I need it removed and your address is reporting incorrectly ....
|
| 07/26/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated committed crime not paying
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|
Web |
|
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phone call was made to me by " XXXX '' threatening jail time for an unpaid balance. A debt I do owe but not to this business. " XXXX. '' somehow got my credit report and used an outstanding balance to get money out of me and was successful to the tune of {$1500.00} on XXXX XXXX 2016. Satisfied the bill was paid I did not pursue the matter until a XXXX call came in stating I owed more money on XXXX XXXX 2016 ; I know I did not! When I asked for proof they hung up and I tried repeatedly to get ahold of them since and have been very unsuccessful. Can Consumer Financial Protection help me?
|
| 09/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. The account KAY JEWELERS/XXXX Account Number XXXX Opened XX/XX/2018, is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 06/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
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This is a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to federal law, this debt has never been validated, please remove it from my consumer credit report. The furnishing of this information is false and misleading credit information. I never validated nor authorized this alleged account to be reported on my consumer report. Attached below are supporting documents. A letter was sent to the company requesting the validation of the alleged debt. No action has been taken. I also have attached a confirmation of correspondence arrival via USPS certified mail.
|
| 09/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I purchased and returned a watch to Kay jewelers ( {$990.00} ). The watch was sold to me broken and I returned it to the XXXX XXXX location where I purchased several products from. I was told that they would return it to headquarters for repair. And they took the amount I paid and gave me credit to purchase another watch. Now they are attempting to charge me for a watch that was returned at there store 2years ago. They didnt contact me through mail or calls because I would have disputed it. Now a lawyer is contacting me. I answered the summons and gave the same response
|
| 06/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have paid for an account in my name that I believe does not actually belong to myself.
This account was with Jarad Gallery of Jeweler. This was in XX/XX/2013. I do not believe this was my account but an account taken out by my fiane at the time. Nevertheless this account was paid in full and on time to the best of my knowledge. I have tried for 5 years to have this error removed from my credit report and Jarad refuse to remove the 30 day late payment.
This has negatively affected my credit and I am unable to obtain a mortgage due to the error on my credit report.
|
| 07/17/2016 |
Yes |
|
|
|
Web |
|
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i have contact kay jewelery in reguard to my credit card account several times. I did not receive my XXXX statement and the only reason i did contact them is because i wanted to know the status of my watch that was getting fixed.come to find out they had my name spelled wrong and my address..when i asked more question they told me they would waive my late fee bu no interest. i let them know if i would have received my bill i would had paid my balance in full.. which i gladly paid, now i have a fee only balance and they are still refusing to waive the finance charges.
|
| 08/25/2015 |
Yes |
|
|
|
Web |
|
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I have found an account for Kay Jewelers on my credit report from 2008 that was charged off. I do n't recall ever charging anything to this account. When I call to get information on this debt the representative on the phone informed me that the account was transferred to XXXX and they had no other information. The amount of the charge off is {$120.00} which I always paid my bills but in store with cash. I would never carry a balance on this card as their interest rate is 25 % APR which is usury in the State of Florida as the Florida Stature caps interest at 18 %.
|
| 06/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX5 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
|
| 01/26/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
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A few weeks ago some one went to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, to make a payment for me, on my account. The person making the payment is not in my account and is not authorized to get any information nor make any transactions, yet the customer service representative/sales agent provided information on my account without my authorization. This action caused a series of events that affected my life including the possibility of a divorce.Attempted to contact corporate office as well as customer service but phones are not working.
|
| 05/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a loan with KAY JEWELERS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called KAY JEWELERS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and KAY JEWELERS with no successful resolution. XXXX XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
|
| 11/17/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I have sent Kay Jewelers several letters but they have not replied to any of them. This is NOT my account! XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX. I recently put a fraud alert on my credit file.
|
| 04/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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Fraudulent account is being reported! Wrong Drivers license number attached to original application, wrong phone number, wrong employment, and wrong/incorrect spelling of NLR name ( I would not misspell my own mothers name ), wrong zip code and the signature looks like a childs writing! Contact Kays and they stated it had to be my account due to previous contact with the owner! I know this account can not belong to me due to the correct phone number not being on the application and me not knowing of this account until I sent the verification request.
|
| 09/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
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I have told Kays Jewlery to stop calling me since XX/XX/2016. I spoke to XXXX and specifically told her to stop calling me and I will be documenting each call after that and have filled note pads worth of calls. She also threatened to garnish my wages at my new job. She was very intrusive and has not stopped calling. I go through about 15 calls a day. I am in the middle of my debt being paid off through jewelry insurance from my jewelry being stolen but she will not back off me at all and threatening to take my paychecks is the final straw with her.
|
| 09/15/2016 |
Yes |
|
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Web |
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I have on my credit reports Jared XXXX XXXX XXXX reporting as Chapter XXXX, in collections, charge off and past due. This account was opened in XXXX, never missed a payment and in XXXX XXXX, several months before my chapter XXXX was discharged, the XXXX dismissed my chapter XXXX due to changing income and then reinstated it. Some how, XXXX was notified and then decided they were to include this account in my chapter XXXX ; against the law. You can not add accounts that were not initially included at the time of filing, per my lawyer and the Trustee.
|
| 04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : KAY JEWELERS XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 11/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am unfortunately behind on a creditor bill due to being out of work on exteneed medical leave. I have contacted the creditor a couple of times previously to explain my situation. I do not have a source of income at this time. The creditor has been calling my husband 's mobile phone aND today i have been informed they have called my mother 's work multiple times today. How they received my husband 's cell phone or my mother 's work number is beyond me. And they have no business harassing these XXXX individuals, especially at places of employment
|
| 08/26/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have disputed this debt with XXXX since XXXX. I have sent multiple requests to verify the debt. XXXX has refused to respond to the certified letters I sent on XXXX and again on XXXX. The credit bureaus removed the item, but now all of a sudden it 's appearing again. This debt is not mine, I have not signed a contract or anything to business with XXXX. Please remove this from my credit. It 's been almost a year and XXXX has not responded to any requests. The law provides for removal of the item if you do n't respond and it 's been nearly a year.
|
| 01/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Hello, There is a credit inquiry on my reports that I did not authorize. Evidently my credit was checked by Sterling without my consent or knowledge. I have an extended fraud alert on all three of my credit reports which specifically state that any company trying to check my credit must contact me first to verify that it is, in fact me, due to an identity theft. The inquiry was placed on my reports on XX/XX/XXXX. I wrote Sterling on XX/XX/XXXX and notified them that this inquiry was unauthorized, however, they have failed to remove this inquiry.
|
| 05/05/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I reviewed my credit report and saw a company called Kay Jewelers reporting that I had an account with them and that I owed them money for something i knew nothing about. I immediately contacted the credit bureaus and informed them of the fraudulent account on my credit report. I also contacted the Federal Trade Commission and filed an identity theft complaint. The credit bureaus informed me that they sent the information to Kay Jewelers about the identity theft but Kay Jewelers continues to report this fraudulent account to the credit bureaus.
|
| 04/06/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
i keep getting phone calls from a debt collector for kay jewelers, today they have called 10 times today and when i do n't answer they keep calling from different numbers. they then call private and if i answer they hang up and i instantly get a call with the number showing. it is beyond harassment when i ca n't focus in class because my phone keeps buzzing every 10 minutes. i also make payments when i can, i explained to them that I am currently not employed but whenever i get money i put something down so i do n't understand the harassment.
|
| 09/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Account fell behind due a financial hardship situation but I made a agreement with them to setup a payment plan to bring the account current and the payment has already cleared the bank but yet they still call me 10+ times a day 45 mins apart sometimes 2 mins apart from the first call for the past two days now I called them last night and told them to take me off the list that we have an agreement and they told me I was off the list but yet again the calls started again XXXX and have n't stopped I 've been called almost 10 times before noon
|
| 12/07/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently checked my credit report and noticed Debt XXXX XXXX XXXX XXXX reporting a negative mark. I called them and first representative that answered was rude and hung phone up on me. I then called back and spoke with a XXXX, who had no employer ID number, and after explaining to her that this is n't my account and most likely is a fraudulent account, she said that they will remove this from my credit report. I am writing this complaint to make sure she does what is suppose to be done and remove this negative mark from my credit report.
|
| 12/13/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was never contacted by this company. Not by mail or phone. Then a family member was contacted. I did n't even know they were trying to contact me because I was never call and never received any type of mail or communication.
On XXXX XXXX, 2017 the contacted a family member whose number was not on the account and they would n't of had any access to.
A name was given and then when I returned the call I was n't allowed to speak with that person.
They refused to tell me how they got the family members number and why I was n't contacted.
|
| 08/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
My boyfriend received a call from XXXX XXXX at XXXX XXXX XXXX on XX/XX/2020 about a debt that I owe. He was asked if he was my husband to which he replied no. XXXX then discussed my debt, the amounts owed, as well as offered a settlement option to him.
XXXX also told him that a judgement was about to be filed against me for the amount owed.
I have not had any contact with this debt collection agency, no letters phone calls etc, and it is unlawful to talk to other people about a personal matter.
This is a clear violation of the FDCPA.
|
| 06/07/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I asked that they not call me during my work hours of XXXX to XXXX the lady advised me that it 's all computer generated and they can not control what time they call me. She then asked me that in order to stop calls I make a pay ment arrangement which was fine however she told me I could not make an arrangement unless I gave her my credit card or bank info now and authorized her to run that payment on that day which I know is unacceptable. I advised the calls need to stop which could cause me to lose my job. I will file a law suit.
|
| 06/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Kay jewelers has been incorrectly reporting a over 6 year old debt to my credit bureaus. It has been reaged every time it was sold off to another collection agency and is still in the name of the original creditor who no longer holds the debt.The XXXX now owns my debt and has been unable to validate the original date as it has been closed and in collections for over 6 years. They are refusing to remove the negative account on my credit reports and have been negatively effecting my credit score each time they reage my account.
|
| 05/10/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I disputed the information with XXXX , XXXX , and XXXX that the information is not matching up that Kay 's Jewelers is reporting on XXXX XXXX and XXXX XXXX XXXX XXXX The information came back verified with All XXXX bureaus both times. They all stated I have to contact original creditor, Kay Jewelers. On XXXX XXXX XXXX Kay received my letter XXXX . They have not responded to my letter/request or acknowledged receipt of my letter. They are not in compliance with the provisions of the FCRA.
|
| 11/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on KAY JEWELERS ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Asses this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 03/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2019, a hard pull appeared on my credit report without my consent or any warning. I went into XXXX XXXX 's at the XXXX XXXX mall in XXXX, Wisconsin. I was looking at rings with my girlfriend. The associate knew we did not intend to buy that day but insisted that I make an account with them. I decided to go ahead and do so. They asked me for various personal information, however, they did not ask me or warn me about doing a hard pull on my credit. I did not apply for a store credit card or any financing.
|
| 04/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
received automated phone call from a company this morning XXXX at XXXX calling from a XXXX in regards to a matter that was being judged today as well as a reference number i was connected over to a man who became extremely aggressive when i explained the debt was paid a few years ago. he became extremely aggressive and verbally abusive and hung up. I called the number that was provided back and got the name of the company and location of the company.
XXXX in XXXX XXXX Fl.
XXXX The man 's name is XXXX XXXX.
|
| 05/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Hello. Ive recently disputed a account through XXXX that is unfamiliar and does not belong to me.
The company iS XXXX XXXX in the balance of {$0.00}. Ive asked for them to verify this account and my results came back asverified as accurate They also didnt sent me the documents in their files to verify this account which from my understanding means it legally has to be deleted under the fair credit reporting act, 15 U.S.C 1681i. I ask that you please look into this account and help me by any means. Thank you.
|
| 04/05/2015 |
Yes |
|
|
|
Web |
Older American |
|
I ordered a bracelet from Jared.com and sent it back within 30 days. Jared Galleria of Jewelry continues to bill me and call me all hours of the day and night. I do not have the bracelet, yet Jared Galleria of Jewelry wants me to pay for a bracelet I do not have. I have requested a new billing statement but Jared Galleria of Jewelry has not done so. The XXXX confirmation shipping number to prove I shipped bracelet is XXXX XXXX XXXX XXXX XXXX. I appreciate any kind of assistance. Thanks. Email : XXXXXXXXXXXX.
|
| 07/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Kay Jewelers assigned a company to collect money on their behalf. I find it very shocking since I had my wages garnished from Kay Jewelers in 2016. For the past month, my life has been a living XXXX. My elderly mother is getting calls daily, my ex wife of 20 years ago is getting abusive phone calls. Also, my uncle is getting abusive and harassing phone calls, not to mention my current wife is getting the same calls as well. The last straw is when my current in laws or now getting harassing phone calls!!!
|
| 06/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2016 I paid XXXX XXXX XXXX the full balance that XXXX XXXX was having them collect. XXXX XXXX XXXX removes themselves from my credit report but XXXX XXXX is still reporting. Ive had this account on my credit report for almost 8 years now. I contacted corporate office of XXXX XXXX and they told me that since I didnt pay them directly, they were keeping the debt showing on my credit report. Its not even reporting as paid. Its repirting as a charge off which is correct/incorrect because I paid it.
|
| 02/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I called the company and they said they have no records of me applying so they dont know why the inquiry was on my report. I had receive a note from them and it had an account number and I never applied with them and thats what the agent told me. The inquiry is from XX/XX/2016 I have called these companies all of them I have attached a copy of the inaccurate ones thats on my file I have put a block on credit report because I have lost social Card and when I receive letter of items I apply for I call them
|
| 01/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX I logged into my XXXX XXXX account and seen that I had a hard inquiry on my XXXX score from Sterling Jewelers that dates back to XX/XX/XXXX. I have absolute no knowledge of this inquiry. I have never even been to a Sterling Jewelers store. I am a young guy who is working to start building my credit and already having an inquiry on my account will slow me down when it comes to applying for different cards especially since I have no idea where this is coming from or even how it appeared.
|
| 10/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
KAY JEWELERS Account # XXXX Hello, this account was paid in full in XXXX. I don't have no records that there was ever any items brought after this card was paid off.
Seeing that this account was put into collections and effecting my credit score, I paid this account off with XXXX XXXX XXXX. XXXX XXXX XXXX agreed that if I was to pay this amount we agreed on they would have this account deleted from my file. Upon changing my account I see that this account hasn't been deleted from my credit file.
|
| 08/01/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In 2015, I was contacted by someone on behalf of Jared 's Jewelry about a debt that I failed to uphold payments on. I was told that if I was to pay an agreed amount on that debt, the collection would be removed from my credit report. I paid as agreed and Jared 's refused to uphold their end of the bargain. I wanted to make things right on my end of the deal, which I did. I expect for Jared 's to do the same. I have paid this debt and would like for it to be removed promptly from my credit reports.
|
| 03/19/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Hello, In XX/XX/2017, I have a missed payment with Jared Jewelry store card on my credit report, which is inaccurate. The account was closed on their behalf as I did not use it for a long time. Jared switched bank providers in which, I did not know how to pay for my balance in full. No one called me and Jared didn't know if my account was held with the old bank or new bank. After I straightened the entire ordeal, the account was paid in full. I feel like Jared should be held responsible for this!
|
| 05/17/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
JARED 'S JEWELERS CLOSED MY CREDIT CARD ACCOUNT THAT HAD ALWAYS BEEN IN POSITIVE STANDING FOR OVER 3 YEARS. I NEVER RECEIVED ANY NOTIFICATION BY PHONE OR MAIL THAT MY CREDIT CARD ACCOUNT WAS GOING TO BE CLOSED. I HAVE BEEN AN OUTSTANDING CUSTOMER WITH THAT CREDIT CARD ACCOUNT. I WAS EMBARRASSED WHEN I TRIED TO GO AND MAKE A PURCHASE AND THE CARD WAS DECLINED. I FELT AS IF THE COMPANY WAS DISCRIMINATING AGAINST ME BECAUSE OF MY CREDIT RATING OR SOME OTHER FACTOR THAT MADE THEM CLOSE MY ACCOUNT.
|
| 05/17/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
I had called years ago to close my Kay jewelers account that I was lured into opening in a store when the guy said it was a membership card and it actually was a credit card. So I called right away when received to close it. And now in XX/XX/2019 is see on my XXXX credit score that this account is still opened under the name XXXX XXXX/Kay jewelers. Which is an odd buy out from the Kat jewelers account that does appear as closed. Could you help me close any account with this company for good?
|
| 01/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Im disappointed that I disputed XXXX and XXXX/Sterling jewelers on theyre innacurate reporting and they sent me a fake application with a forged signature of my name and fake phone numbers and relatives on the application.
This a violation of the FDCPA I intend to file lawsuit I have sat down with my attorney to review the errors on my report Im extremely disappointed in sterling jewelers for sending a fake application to me and them not correcting my credit report by removing this account
|
| 10/05/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
The original creditor was notified of my activation under military order and exercising of protections under the SCRA. Immediately following the creditor charged of the account and sent it to this collection company. I notified the company that I was protected from such adverse actions under the SCRA and they said they would call my commander and make and garnish my military pay. Every action taken by the original creditor and this company is a violation of my protected rights under the SCRA
|
| 11/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 10/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
i was first contacted by an in office employee and had asked for a debt valadation proof, either by email or regular mail, when i asked who this is she went into a tirate about i should hve paid my bill on time and it would have never came down to this, now i am being contacted by a so called mgr claming to be a rep for the orignail creditor being called during my work hours, messages saying im being sued by them when they have yet to prove who they are or the debt that they say i owe
|
| 04/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This company is at this point defaming my character. I have Sent ID theft letters and they are failing to validate the in formation in which they are trying to collect. I have been at this for several months. Trying to obtain any LEGAL validity that the allege Inquiries are mine and they sent back a generic statement. I was a victim so that's inaccurate and under the FCRA and FDCPA laws. this information has to be removed. as it is preventing me from normalcy after the ID theft Storm
|
| 11/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
In XX/XX/2018 I received a call from a woman saying she worked for XXXX XXXX XXXX XXXX and she had all my information about an account of mine that was in collections. I agreed to allow them to take out {$120.00} from my checking account each month for 6 months until XX/XX/2018. I recently found out that the collection account has not been paid at all. I was scammed out of {$730.00} and can not get in touch with this so called XXXX XXXX. Please help me get my money back.
-XXXX XXXX
|
| 01/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In 2011 my identity was stolen and a XXXX XXXX card was open in my name. I did not know about the card until further looking into my credit. I immediately called, informed XXXX XXXX of the situation, and requested they close the account. I was told no charges were made and they would close the account and remove it of my credit. Upon further investigation, XXXX XXXX is still reporting to all 3 credit bureaus. I never received any information concerning this account until I called.
|
| 04/07/2021 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
|
Kay jewelers erroneously reported 30 day late for XX/XX/2020 which was due to covid19 disaster. I didn't receive payment voucher, tried making pmnts online and via phone all with no avail due to their staff shortage .... Later, Kay stated they were NOT going to report any lates, however they did .... It has damaged my credit and this late is not due to my fault or negligence. Kay jewelers was supposed to follow CARES ACT rules and regulations and NOT report this as derogatory ...
|
| 09/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 10/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I called XXXX XXXX card services on XX/XX/2018 to get next payment date and rep failed to let me know I was past due and said next payment was XX/XX/2018. It caused me to go 30days late with XXXX. 2nd issue is they don't have this recording and that worries me because its my word against there Company. I have 100 payments on time with all my creditors and can provide proof if needed. This is the only account with 1 late payment because of there rep giving me wrong information.
|
| 08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Kay Jewelers is reporting a charge off account and payment history past the closed and paid in full date.
Kay Jeweler- Closed XX/XX/XXXX the balance is {$.00} however they are reporting that the account charged off in XXXX I attempted to contact the creditor but was told the information is correct. The account was closed with a XXXX balance in XXXX and could not have charged off in XXXX because there was XXXX balance. Please assist me with reporting the account accurately.
|
| 12/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed a debt that was sold to XXXX XXXX XXXX. I have requested validation of this debt by way of documents containing my signature, as this account does not belong to me. XXXX XXXX XXXX sent bills and advised that this account was sold to them by Sterling Jewelers, with whom I have never had an account. Sterling Jewelers has neglected to send proof of this account 's validity with verifiable documents that bear my signature as proof that I established this account.
|
| 01/14/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
XXXX XXXX XXXX on behalf of Kay Jewelers have sent me numerous emails over the past few days congratulating me for opening an account. I have replied to the emails that this is a scam and I never opened a card. I also called their customer service XXXX and they asked me to provide my SSN to be able to look up my account. I told them this is a scam and Im not giving my SSN out over the phone. They looked up my account by name and said they didnt have any accounts in my name.
|
| 03/06/2017 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Kay Jewlelers continued to contact my family my mother, sister, brother even after I wrote letter of hardship offering to pay {$50.00} a month until debt was paid. They practice unlawful practices and harass other members of my family in other states - I have asked them to stop these practices. I have offered to pay a minimum of {$50.00} a month. I have tried to close account to freeze interest. The website will not close the account nor will they close via letter request.
|
| 12/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was called by XXXX XXXX on XX/XX/21 About an Kay Jewelers Account that was opened without my knowledge over 8 years ago. I was told even if its off my credit I still owed the 500 plus for the account. I told her I did not owe that money & that the account was opened fraudulently. She said it did not matter that I needed to pay. Theyve been calling none stop for the past few weeks with different numbers.That account is very old & doesnt make sense how Id owe money now.
|
| 11/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I satisfied my account with Jared / XXXX on XX/XX/2022 through their attorney 's office XXXX XXXX PA. I have attempted multiple times to get a letter from Jared / XXXX directly showing my account s a {$0.00} balance or settled in full. I keep getting the run around and my credit has not been updated. This is now affecting the purchasing of my first home which was set to close on XX/XX/2022 and now has been delayed. This is the only item that is keeping me from closing.
|
| 03/27/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
I received a call at my employer on XX/XX/2021 in the afternoon from a person named XXXX from XXXX XXXX. He stated I owed {$480.00} to sterling jewkers. I told him I could not receive these types of calls at work. He asked me if I was refusing to pay my bills. I told him that this was not an appropriate call for work. He then stated he could call my HR department about this matter. I feel my rights were violated with that threat. I fear he will continue to harness me.
|
| 12/30/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have received at least XXXX phone calls in the last two weeks or three weeks from XXXX trying to collect on the debt for someone named XXXX. I have let them know several times that I am not this person and that he does not have this phone number. They have indicated that they will remove me from their list within 24 hours, but they continue to call me. I am tired of being harassed continually at all hours of the day and night for them trying to collect these debts.
|
| 12/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Ifiled Bankruptcy in XX/XX/XXXX, was XXXX in XX/XX/XXXX. XXXX and XXXX still show the following : 1. XXXX as past due and in Collection. XXXX was Part of my Discharge 2.XXXX As past due and in Collection. XXXX was part of my Discharge 3.Sterling Jewerly as past due and in Collection. Sterling was Part of my Discharge 4. XXXX does not have my Bankruptcy as a public Record 5. XXXX account and XXXX acct i was only Authorized User, and Should be Removed from my Profile
|
| 09/03/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Debt was paid in 2015. Legal agency called from XXXX stated they put out a warrant for my arrest regarding paid off debt. I explained to female at agency it has been paid off. She stated that she would n't be calling me if it was, demanded I take care of total immediately, stated she had list of friends and relatives phone numbers & would call them stating I owed the debt & ask them to pay it for me and then stated she was calling DMV to suspend my drivers license.
|
| 12/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am writing to KAY JEWELERS agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting KAY JEWELERS agency to remove this ( charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
|
| 01/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found a late mark on my account.
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 09/02/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am in receipt of my credit report and found an account that is being reported incorrectly. The account is a collection agency named XXXX XXXX XXXX and the original creditor is Kay Jewelers. This account was paid off in full and this debt is no longer owed. Additionally this debt is now over seven years old and this lender has re-aged this debt. Additionally Kay Jewelers is reporting this account past the 7 year limit and is reporting this account incorrectly.
|
| 11/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
|
| 05/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed STERLING : Inquiry Date XX/XX/2018 XX/XX/XXXX
|
| 01/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX XXXX and XXXX credit report reveals that a fraudulent application was submitted TO Sterling Jewelers with his information that resulted in an inquiry XX/XX/XXXX that he did not authorize. An official dispute of this fraudulent inquiry was submitted to Sterling XX/XX/XXXX however a current credit report still shows the fraudulent data is still being reported which is a violation of the FCRA.
|
| 05/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I AM XXXX XXXX MILITARY CURRENTLY LIVING IN XXXX ON MILITARY ASSIGNMENT. WHILE CHECKING MY CREDIT ON XXXX XXXX, I NOTICED THAT STERLING JEWELERS AND XXXX XXXX XXXX MADE A HARD CREDIT INQUIRY ON MY REPORT ON XX/XX/2019. I DID NOT AUTHORIZED SUCH INQUIRIES, AND I AM NOT SURE WHAT IS GOING ON.
BELOW IS THE INFORMATION FROM THE COMPANIES : STERLING XXXX XXXX XXXX STORE # XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
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| 09/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX XXXX calls all morning, noon, evening and night, and they refuse to stop calling. Their calls are interfering with my employment, and I can not drive down the street without them calling. They are very aggressive. I blocked the numbers that they call from, and they will call from a different number. They are stalking, and harassing me, and refuse to stop the calls. They know I am blocking their calls. Which is why they call from a different number.
|
| 06/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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I was just informed that on all 3 of my credit reports shows that there is 2 accounts for XXXX XXXX. I am responsible for 1 account not 2 accounts. The account is no longer XXXX XXXX it is now XXXX XXXX. I am currently on time with XXXX aka XXXX XXXX. I am requesting that this be corrected and corrected on my credit report. On my report it should state XXXX XXXX no longer XXXX XXXX and One ( 1 ) account should be showing with payments currently on time.
|
| 05/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These accounts are unfamiliar to me and I was told to let you know about them.
In accordance with section 605 B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you Permanently Block business records relating to the fraudulent accounts and identifying information identified above from appearing on my credit report.
|
| 08/02/2016 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
I went into Kay Jewelers at XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX to view engagement rings. The sales person offered to run a credit check to see if I could qualify for financing and I agreed. I purchased a few gifts from Key Jewelers on my own credit card. A few days later, I received a Kay Jewelers credit card in the mail. I never agreed to starting a credit card, and told the customer service rep. when I called to cancel the card.
|
| 02/09/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
This is a XXXX XXXX credit card service provider. XXXX XXXX and XXXX XXXX XXXX XXXX both promote 0 % interest for 12 months on purchases over a certain amount. I qualified for this 12 percent interest. The only reason I applied for the credit card was because of the 0 % interest for 12 months but somehow I am still being charged the highest interest rate at 26.99 %. I called customer service for both XXXX and XXXX and could not get this resolved.
|
| 08/15/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had an account with Kay Jewelers the # that 's beside the company name on my credit report is XXXX. I paid them off XXXX XXXX, 2016. I was late one time due to illness for a couple of weeks. I called and explained that to them. I keep seeing that I have a balance of {$250.00}. When I called them they said I had to notify you all in order to take it off, which was 60 days after I paid my account off. Thank You so much I appreciate your help.
|
| 01/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this JARED GALLERIA / XXXX account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, delete, and blocked off my consumer credit report immediately
|
| 11/03/2016 |
Yes |
|
|
|
Web |
|
|
The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. The date of first delinquency for this account was XX/XX/2009. Therefore, this negative event despite being included in chapter XXXX bankruptcy has met the 7 year reporting time frame to all XXXX ( XXXX, XXXX, and XXXX CRA XXXX.
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| 11/23/2015 |
Yes |
|
|
|
Web |
|
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I had an account with Kay Jewelers and it was discharged through chapter XXXX bankruptcy in XXXX XXXX. On my XXXX dispute it continues to show a late payment for every month starting XXXX XXXX - XXXX XXXX. This is completely inaccurate considering I was in active bankruptcy from XXXX XXXX - XXXX XXXX. I have disputed these late payments with XXXX and the creditor both with no resolution so I am now submitting a complaint with your office.
|
| 03/31/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/XXXX I was emailed a receipt in the amount of {$3500.00} from XXXX XXXX. The receipt was in my name. However, I have never purchased anything from XXXX XXXX, and live nowhere near the store where the purchase was made. I contacted the store and was told that they could not help me and that I had to contact XXXX XXXX directly. I contacted XXXX XXXX and was told that I would have to visit the store in person to resolve the matter.
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/15 I have an account that was opened in my name and i sent a letter to the creditor as well as XXXX. XXXX allowed these accounts to be opened without getting the proper id and now these accounts are having a negative impact on my credit. I want them to send me idenification and solid proof that I opened this account not papers and activities that happen on the account because that's not helpful ....
Jared XX/XX/15 Kays XX/XX/15
|
| 10/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I was on a payment plan, paying $ XXXX/month. During this " 3month hardship, i wasnt supposed to get late fees. '' However, they continued to charged me late fees. as I was paying what was agreed. I made several phone calls, they told me the program would take effect after 3 payments of {$90.00} was made. After the 3 payments, still the same thing. late fees. So I stopped paying, because they couldnt give me what was initially promised.
|
| 08/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX is reporting that i owe them XXXX for a account tht is not mines a rep called me the other day and stated that they had some one coming out to serve me with papers. Yes i had a XXXX XXXX card that was closed out in good standing this account was open durning the time in which i already had an account so why open up another account.i wish to have this account removed they are reporting negative information on my credit report.
|
| 05/21/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
As of XX/XX/2018, I paid off my XXXX XXXX XXXX in full. They reported me late 90 days, never sent me a bill in the mail notifying me of any balance due.
They tacked on a late fee, and then 2 more late fees, for no apparent reason and then reported me late past 90 days.
I called the company and spoke to XXXX, and she said they were going to have it corrected. But I haven't seen anything being done. Still showing on my 3 credit reports.
|
| 09/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
|
| 10/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
This is a complaint about Jared Jewelry. I previously had a payment plan that was stopped for unknown reasons to me. Some time has gone by and I started receiving numerous calls to my cell and work numbers. I advised them not to call my work number and what times I could be reached on my cell. They havent tried calling my cell during the times I indicated and have continued to call my work number even asking to speak to my supervisor.
|
| 05/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 04/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I will sue your company for violating my consumer rights under FCRA & FDCPA if you continue to refuse for my validation request.
|
| 11/02/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/19 a credit card was opened under my name with Kay Jewelers. I did not open this card and make any charges. The card was opened in kentucky and I live in Illinois. I've called Kay Jewelers ( XXXXXXXX XXXX services-who manages the card ) they made me submit a fraud claim and fill out paper which I did and they still denied my claim. They currently are not taking any fraud calls due to Covid. This has killed my credit score
|
| 10/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX with no successful resolution. XXXX is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.
|
| 07/27/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
I continue to get calls from XXXX with XXXX XXXX XXXX in California. He calls several times a day from different numbers XXXX and XXXX. I asked his coworker XXXX and XXXX not to call and now they are calling my place of employment speaking to different coworkers threatening wage garnishment when my payment arrangement was not sufficient. XXXX is leaving song tunes at end of messages and derogatory remarks on my home and cell phone.
|
| 05/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
|
| 09/09/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I was told by the customer service agent, that if a made a payment of {$150.00} that I would not be marked for a 30 day past due ding on my credit report. I paid that amount and it was still reported on my credit as 30 days past due. As of now i am currently caught up on all payments to the current company. I also told them that we can set up automatic payments as well. I still recieved a 30 day past due mark on my credit report.
|
| 06/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with XXXX XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX/XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX.
|
| 04/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
Servicemember |
|
On or about XXXX XXXX, 2016, XXXX XXXX of XXXX XXXX XXXX, XXXX called my employer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, regarding a debt that I allegedly owe. Specifically, he told my employer that he would be taking additional steps, including filing a lawsuit against me.
Additionally, XXXX XXXX called me on XXXX XXXX, 2016, and threatened to call my employer or " XXXX '' and have my wages garnished if I did n't pay the debt.
|
| 03/26/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I made a payment to a joint account. The creditor applied the payment to the wrong account ( my husband 's personal account ) and has been calling every hour. They are calling from different numbers. I explained to the representative what happened and they have not fixed the issue. They are also contacting my employer. We have never missed a payment on any account from this company. They continue to call and it is now harassing.
|
| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 05/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American, Servicemember |
|
Late payments show that company denied payment was late. But show on credit report twice. Public record was off my report for a year, then all of a sudden it appears. Shouldnt be on reports. I have paid off many loans, car loans that proves credit history, that I have not seen since the XX/XX/XXXX. Lots of positive activity has been taken off.Why is this being done? Inquires that I didnt request, is on my report, please remove.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 05/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have disputed this account for over a year now via all credit bureaus. I have specifically asked for when, where, and by whom this account was opened. And the information is never provided or even answered. This is not my account, and you can not continue to report it as you have not once verified the detailed information requested. Please provide all pertinent information used to open the account to verify it's accuracy.
|
| 10/25/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
For about 2 months, I have received several hangups per day. If I call back, I get XXXX XXXX XXXX regarding an 8 year old Kay Jewelers account. If I ask for a letter or do not agree to pay in full right away, they hang up on me. I have blocked over 20 different phone numbers from them yet they continue to call and hang up on me daily. They have also threatened to contact my employer. I am being harassed daily by XXXX XXXX.
|
| 10/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
There was a late payment in XXXX which was a error on their behalf. I am always on time with my payments as you can see with my documentation. They told me they will remove it they havent still they keep giving me the round around I never had this problem with Kay Jewelers before. Not only its on XXXX also on my XXXX and XXXX. They need to get it together this is the second time Ive been trying to be convenient with them.
|
| 04/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
|
| 03/07/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have never purchased jewelry in my life. This company is trying to scam me and adversely impacting my credit. You can check my credit history and you will see I have always paid my debts. There was originally two different jewelry companies showing purchases by me, but one removed their claim after I talked to them, however one has not. XXXX XXXX will issue anyone a card in anyones name through a company called XXXX.
|
| 07/02/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I have a credit account with Kay Jewelers which is past due. I tr to make payments when i can, but their collectors constantly harass me with phone calls at all times of the day and night. They start at XXXX and continue through XXXX everyday of the week, Saturday and Sunday included. I have told them they should be receiving a payment on Tuesday, the next business day, but the calls continue, up to 12 calls a day.
|
| 12/27/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
This company has repeatedly called my elderly former in-laws regarding my account. They have told them repeatedly to stop calling, and continue to call them. My ex-wife is constantly receiving calls from them complaining. The company has been told they have no contact with me any longer, and continue to harass them. They have discussed the account with them, disclosing the amounts owed. this is completely illegal.
|
| 07/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Filed a dispute with an old credit card that has been paid in full. Asked XXXX XXXX, XXXX, and XXXX to investigate and verify the account. The account still shows charge off and also derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which has not happened. The payment history is showing unknown therefore it is an unverified account reporting to my credit.
|
| 06/20/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I was a few days late on my bill ; it was posted to my account on the XXXX/XXXX/16. Since my payment posted, I recieved 11 phone calls from XXXX different phone numbers telling me my payment is due. The numbers they call from are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I did not answer all calls ; the calls I did not answer were verified through research ... not one message was left.
|
| 07/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : KAY JEWELERS Account XXXX
|
| 04/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My records associated with the account XXXXKay Jewelers with account number XXXXXXXXXXXXXXXX do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to XXXX/Kay Jewelers but I did not receive what I asked and these violations persist on my credit report.
|
| 02/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I previously contacted XXXX XXXX through CFPB back in XXXX, they stated they needed 60 days to research. In XXXX of this year, they stated after the completed their investigation that the erroneous information would be removed from my credit file. It has been almost a month and this information still remains on my credit file and they have not removed the items as promised in a previous CPFB case ( XXXX ).
|
| 02/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company has derogatory information listed on my report I have asked for for proper validation they have not done so, I needed the signed agreement for the account they have failed to supply it to me, the account is not mines I never lived at those addresses Ive never obtained credit from this comany JARED GALLERIA, therefore I need them to immediately submit a request to remove the adverse information
|
| 12/20/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
I received a call saying that I was being served through my old county that i lived in. The caller said she will serve me at a certain time and if I did not accept or was n't there they would proceed to court. They left a number to call with the debt collector. I called and worked out payments. i did call the county that they said i was being served in and the courts said there was no such file against me.
|
| 04/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have repeatedly time after time have contact kay jewelers stating that I did not own this account and never had account with them. After investigating the account the creditor found that the account did not belong to me. After applying for credit I seen that the account is still being reported to my credit report with derogatory marks. I requesting to get this account removed from my report permanently.
|
| 11/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. The companies have had more than 60 days and 2 dispute letters were sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
|
| 07/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Since XXXX XXXX, XXXX I disputed erroneous trade-lines reported by Kay Jewelers to the credit bureaus. Kay Jewelers said they sold the account to XXXX XXXX because it was charged off on XXXX XXXX for {$310.00}. However, I paid XXXX XXXX on XXXX XXXX to delete the debt from my credit reports which they granted. Despite that, Kay Jewelers refuses to remove the negative information off my credit reports.
|
| 03/05/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
Servicemember |
|
I contacted company on or about XX/XX/2017, and explained I would be having difficulty making payments, as I was going through a life-altering medical event. Company agreed to suspend the account until I was able to make payments. Account was instead closed and placed into collections. Other companies I contacted, agreed to place their accounts into a " hardship status '' due to my medical situation.
|
| 12/28/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am filing this complaint because Sterling Jewelers/ Kay XXXX is excessive in their attempts to collect on my account. They call me in excess of 20 plus times a day and leave several messages about the account. They sometimes call several times within the same minute from various numbers. I am not able to talk on the phone at work and I have come back to XXXX missed calls within a 4 hour period.
|
| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party XXXX.The 3 Credit Bureaus is reporting inaccurate information on KAY JEWELERS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 07/26/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt was a Jewelry store account in which I had insurance that paid the account if I became unemployed. I was told by the debtor several time that the debt would be removed. I tried several times to remove this debt with the debtor and the credit reporting agencies. This account is over seven years old and should have been removed. This debt is causing a negative impact on my credit file.
|
| 02/24/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I opened an account sometime last year, and I had to move all the way from XXXX to XXXX. Because of that I lost my job, obviously, and I 'm trying to find a new XXXX. I get calls from random out of state numbers sometimes every 5 minutes, and I get 30 a day. It 's impossible for me to find a job or keep my line open for employers to contact me or vice versa. I also get calls sometimes at XXXX.
|
| 04/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I requested an original Contract from XXXXXXXX XXXX XXXXXXXX in which the young lady via phone could not give me in writing for this account to be closed and removed off my credit report. I disputed account in which they denied so she talked me into paying account in full and the young lady said it would be removed or may not removed with a nasty attitude. Please help me disclose this matter.
|
| 08/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report.
The Consumer requests verification in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( 8 ). ( FDCPA ).
Additionally, the aforementioned customer REQUIRES the subsequent : Account Name : KAY JEWELERS Account Number : XXXX
|
| 04/11/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have contacted this company through the credit bureaus multiple times to have this invalid account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.
|
| 06/11/2015 |
Yes |
|
|
|
Web |
|
|
I 've received XXXX phone calls from Kay 's jewelry ( XXXX at work ) and XXXX voice messages regarding an {$80.00} debt within the past two days! I discussed with them in store I wanted the payments to start on the XXXX of XXXX which I intend to do but this harassment is absolutely ridiculous. Please do something about this ubsurd behavior. This is n't XXXX you know? It 's XXXX. XXXX XXXX.
|
| 08/29/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I am filing a complaint against KAY JEWELERS because they are attempting to collect a debt that I do not owe them. Account Name : KAY JEWELERS, Account Number : XXXX I would like for KAY JEWELERS to show proof of verification that I owe them {$1500.00} with the account above. To my knowledge, this account has been paid. KAY JEWELERS is reporting inaccurate information on my credit report.
|
| 07/08/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
Jared the Galleria of Jewelry keeps calling and emailing me at my job after repeatedly being told to stop doing so as this can result in me losing my job. They are also calling my sister at her job and keep calling various family members of mine. My account was up to date and being paid and they closed it for no reason and are now harassing me even though I am on time with payments.
|
| 11/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have disputed the incorrect reporting of my Kay Jewelers account as it is listed as closed. The account was opened in XX/XX/2018. My account has never been delinquent and all payments have been made on time. I have also called the company on multiple occasions to resolve this matter and it has not been corrected. This is a huge error that has negatively affected my credit scores.
|
| 03/28/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
A company calling themselves XXXXXXXX XXXX at XXXX is threatening to serve my husband at work and sue us for a debt that we paid many years ago. Original creditor was XXXX XXXX and our account is paid in full. This is the second time this same fake debt has attempted to be collected using threatening tactics. They are calling my husband, me, and my father in law with these threats.
|
| 04/23/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
|
|
I went through a credit consolidation company called XXXX XXXX XXXX and Funds was automatically taking from my bank account from this company. I was under the impression that this company will pay my debts for me however I 'm being sued from a credit card company in attempt to collect This debt. I 'm not really sure on what to do because I have already submitted with court papers.
|
| 02/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Back in XX/XX/2020 I settled with Kay Jewelers and they were suppose to report to the credit bureau as a XXXX balance they yet to do so. Since this has been misreported for months now I want this REMOVE NOW!!!! .. The promise on their part was not upheld like my was when I paid the settlement. They have had plenty of time to report to a XXXX balance and have decided not to do.
|
| 10/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Kay Jewelers is causing an adverse effect on my credit. I would like to have this item removed from my credit report. The account was opened on XX/XX/XXXX and the alleged balance owed is {$250.00}. I personally recall paying off this balance back in XXXX over the phone. It has been over 6 years since this account was opened & it should be removed from my credit expeditiously.
|
| 11/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
On XXXX 2015 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
|
| 12/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX sold the debt to XXXX XXXX XXXX XXXX and after they did there own investigation that the account was not mine they closed the account and debt was settled to a zero balanced and deleted in from my credit report. But XXXX XXXX is still showing the debt on my credit report and is showing as a late on my credit report. Which is hurting my credit and my credit score.
|
| 01/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
KAY JEWELERS XXXX Balance {$0.00} ;
|
| 11/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit. Please delete the item as soon as possible.
|
| 08/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
company calls repeatedly in regards to debt.
Debt collectors speak to me in a very hostile manner.
Have asked company to stop calling on several occasions.
Call 5-6 times daily.
Company has threatened to sue me and garnish wages.
Refused to send info. or answer questions regarding debt.
Debt collector states that they dont need to notify me when account is sold.
|
| 08/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with KAY JEWELERS/XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, KAY JEWELERS/XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Reached out to company via mail XX/XX/2020 in regards to incorrect reporting on my credit reports though credit bureaus are reporting the creditor verified the account. Reached out to find out how the creditor verified the account and requested documentation of the investigations.
The company never replied, though they are not following METRO 2 reporting protocols.
|
| 11/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
The collector said that, " You people fought for your rights XXXX. '' people meaning XXXX people. I told him to send me everything in writing and he said, " I 'm not going to write you, I 'm not your pen pal. '' He has called my wife at her place of work and was verbally aggressive.
This has nothing to do with her. She has also advised him not to call her anymore.
|
| 11/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaint.
|
| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -KAY JEWELERS # XXXX -XXXX # XXXX -XXXX # XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX
|
| 11/22/2016 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
I went to Kay Jeweler to look at watches. The employee asked if I would like to see how much I qualify for. I asked if it would show up on my credit score. I was told NO, so i proceeded. Two weeks later I receive a letter in the mail containing a credit card from Kay Jewelers. This is in no way what I was told would happen. The employees at this store are liars.
|
| 10/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call repeatedly from different numbers and if their calls are not answered, they call a person who is not responsible for the debt in anyway, but was used as a reference at the time of the debt purchase. I am aware of my debt to this business and am doing what I can. It is completely unneccessary that they call and harrass me as well as people who know me.
|
| 10/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My Identity was stilen while I was in prison. I have made serval attempts to correct these issues by submitting mypridon outdate along with my correct information but these companies refuse to remove this debt from my credit report. After serving years in prison I am trying to grt my life back in order amd these companies are hindering me because of my credit.
|
| 09/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The company have contacted me about my payment that was due which the charge me double for some passed due and I paid it which was in the same month of XXXX and XXXX. But to my surprise when I call to make my payment for the month of XXXX I was told that I have already paid for XXXX. So please I would like for this incorrect information deleted from my record.
|
| 08/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in 3 dispute asking for proof and have not received anything yet XXXX credit bureau continue to state this account has been verified, but how? XXXX, and XXXX has removed these inaccurate account. I have been sending out dispute letters since XX/XX/2019.
|
| 02/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The past due amount went to a creditor and I currently pay biweekly on this account, bringing my loan balance down each 14-day period. This report continues to show a delinquent amount with non-payment. I pay on time every 14 days to XXXX XXXX. Neither Kay Jeweler or XXXX XXXX will remove this from my credit, or update the balance each time I make a payment.
|
| 04/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
The third party company XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX for Kay Jewelers contacted my daughters cell phone in order to contact me for a Debt that over nine years old well exceeding the statue of limitations in XXXX of four years. When I contacted them they threated by stating to sue for an amount triple of the original amount.
|
| 05/04/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Kay Jewelers keeps calling my work phone number. They acknowledge it is my work number and they ask for me and identify who they are and why they are calling. They call my cell phone with multiple numbers throughout the day starti ng at XXXX XXXX and call repeatedly throughout the day. If I am unable to answer the call they immediately call my work.
|
| 02/27/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
XX/XX/2018 XX/XX/2018 hurricane floremce made contact with the east coast. im XXXX XXXX military XXXX in north carolina. the XXXX XXXX XXXX was in the mall in XXXX NC it shut down after the hurricane so we then had no nearby store to pay our XXXX $ bill. the company would never let us pay on the phonein return this resulted in my credit going way down.
|
| 01/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Sterling Jewelers continues to sale and resale account which was never provided with a validation of signature and contest to contract. Company hired XXXX XXXX XXXX XXXX to send threating letters to address with aggressive calling. Disputed this once before and Sterling never validated request and did not comply to request according to FCRA Guidelines.
|
| 09/15/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I have a collection on my report for a company I do not recognize and on the comment section said purchased by another lender without the name of the previous lender. I received collection calls for a company I do not know. On XXXX the balance for this company is {$1500.00} and on XXXX {$540.00} not even the same amount on XXXX different credit Agency.
|
| 09/24/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I was shocked when reviewing my credit report and found inconsistent late payments on the dates below : 30 days late as of XX/XX/XXXX with XXXX and 30 days late as of XX/XX/XXXX with XXXX and XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
|
| 11/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Jared is showing on my credit report as a charge off that is a closed account on XX/XX/2016. This company does not show the payment status on the credit report. It also shows that the last payment was XX/XX/2016 which is after the account has been closed. During the time the company had me enrolled in payment protection insurance without my consent.
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In XXXX of 2018 I never received any notice of an upcoming bill or that I was late for a bill until after it was put on my Credit report .... I would like these late payments removed by Kay Jewelers for not informing me .... As of today & since XXXX I havent missed or been late on a payment .... This is impacting my score & ability to obtain credit
|
| 05/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
An account from Kay jewelers is still reporting on my credit report. The account is closed with a XXXX balance and I have attached proof. I had to call the company on XX/XX/2020 to get this letter that the account is paid in full and there is no balance to report and the account is not open. Ive tried to dispute the account but have had no luck.
|
| 08/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with XXXX XXXX, XXXX XXXX XXXX XXXX, and KAY JEWELERS. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and KAY JEWELERS with no successful resolution. There was definitely an error on their part.
|
| 09/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opene
|
| 02/16/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My account KAY JEWELERSXXXX XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
|
| 05/24/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A certified letter was sent out and received by the company on XXXX XXXX and XXXX XXXX . The letter was disputed payment information and validation of the debt. The company failed to respond and mark the item disputed. I also have a record of a call before XXXX . They have violated the FDCPA and the FCRA of up to {$3000.00} now.
|
| 01/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
X/XX/18 XXXX XXXX XXXX XXXX XXXX-I responded and was hung up on XXXX XXXX No message was left however I received these calls all within one day. I understand that there is financial responsibility however 6 calls completely unnecessary. These calls took place during hours of work and have cause disciplinary action on my employers behalf.
|
| 06/22/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2013 30 days past due as of XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 10/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
CFPB Write up in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, has violated my rights.
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to privacy.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 05/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have reviewed a copy of my credit report and I show company KAY JEWELERS account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
|
| 05/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have reviewed a copy of my credit report and I show company KAY JEWELERS account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
|
| 08/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2018 I paid the debt in full. Yet, it is being reported as active by a debt buyer and the creditor, twice and they refuse to remove it from my credit report. It does not reflect correct credit history or that it is paid in full. I have the letter from the creditor stating it is paid in full yet, no one does anything about it.
|
| 08/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
Jared the Galleria of Jewelry-continuos calls to employer after repeatedly requesting that they not contact me through my employer. Has contacted me XXXX6 times after requesting that the contact me on my cell. Pretending to be my clients in order to get me on the phone. Leaving voicemails on a publicly accessible phone at my company.
|
| 10/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
I was call by XXXX for a debt for a jared account I was threatened over the phone but never made a complaint but i have records of paying this collection dept. XXXX took my payments for collection now 2 years later XXXX has taken up collection for jared ... this is very suspect ... that is why I am writing this statement Thank you
|
| 02/25/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I received a call from a man who said he was Kay Jewlers but refused to give his name. He told me I had 2 hours to come up with {$75.00} or they would take legal action. They are repeatedly calling me all hours of the day from different numbers, calling my work repeatedly after being told I can not receive personal calls at work.
|
| 10/02/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
To be foward to XXXX : This is reporting negatively on my account and needs to be addressed ASAP as these are not my account nor am I liable. I have a police report I have attached for proof. The following should be removed/ deleted from my credit file.
( 1 ) Kay Jewelers ( Date Opened : XX/XX/2015 ) Balance : {$0.00} ( USD )
|
| 09/03/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Sterling Jewelers calls me 8-10 times per day from random numbers in different area codes. They leave at least 2-3 voice mails per day and will not stop with the frequent and unnecessary phone calls. I work and can not answer my phone during the day. My phone is constantly ringing and I 'm forced to send the calls to voicemail.
|
| 11/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have tried to resolve debit with Sterling Jewelers by requesting information to prove debit.
1st issue, I requested Singed contract. No less than 4 times, none returned.
XX/XX/2018 letter sent stated acct Sold.
I feel they have acted in poor faith by selling account to XXXX XXXX, XXXX and not providing requested info.
|
| 10/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Account is closed and paid in full to Collection agency on XX/XX/2022. This account was in fact, fradulently opened, but because I am done with the back and forth, I paid the small balance of {$250.00} in full. I was told by XXXX XXXX XXXX that I would have this debt/collection removed immediately after receiving payment.
|
| 12/06/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I was called at XXXX by a rep there. I told her I would be calling in at XXXX to make payment because I was driving at the time. She says ok.. I got another call at XXXX from a different rep and I explained to her this morning about a call she said there we no notes. 2 minutes later my phone rang again and it was jareds
|
| 11/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
|
| 04/04/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As of XX/XX/2019 these fraudulant accounts have not been verified through signatures, photos or any other verification method that substantuates the adverse results on my credit report XXXX, XXXX and XXXX. The following accounts are to be taken into consideration : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
|
| 11/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
XXXX XXXX from XXXX XXXX threatened to have law enforcement come to my house because I said I could not pay my debt at this time. She also called an old acquaintance and told her she was a debt collector looking for me. I do not know how they got her information in the first place since she has nothing to do with me.
|
| 07/14/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been receiving phone calls from several different numbers from Sterling Jewelers Incorporated. They are calling repeatedly at least every hour, to half hour during the day. It has become annoying and inconvenient. They call when I am at work, or when I am still in bed after working second shift the day before.
|
| 02/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Received an alert that a credit inquiry was placed on my XXXX credit report. XXXX told me to contact the company. XXXX the company & called the numbers that I found through the google search but none of them were for the agency on my credit report. Ive never heard of this company & did not authorize a credit pull.
|
| 09/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I HAVE NO KNOWLEDGE OF THIS COMPANY AND WANT THEM OFF MY CREDIT REPORT .I HAVE NO LEGAL CONTRACT WITH THIS COMPANY AND I WOULD LIKE THEM REMOVED FROM ALL MY REPORTS.I AM A THIRD SO I 'M THINKING THIS ACCOUNT HAS BEEN PLACED ON MY ACCOUNT IN ERROR BECAUSE MY BROTHER RECALL HAVING A XXXX ACCOUNT WHOM HAVE SAME NAME.
|
| 05/21/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX and XXXX has been calling my place of employment regarding my debt I work at a XXXX XXXX which is not appropriate they have called multiple times in a row sometimes 2x in less than 5 minutes. I am working with the debt consolidation company beyond and they need to be called. This happened just today XX/XX/19
|
| 09/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX I paid {$560.00} to a XXXX XXXX XXXX company! A company that brought my debt from XXXX XXXX. XXXX XXXX updated my report to show settled. XXXX XXXX are still not! And, are refusing to update there info. Plz help I'm am trying to improve my credit so I can buy my first home for my family thank you!
|
| 08/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX XXXX company no longer has a vested interest in this account as it has been charged off and sold to a collection agency. Im respectfully asking them to remove this closed account from the three credit reporting agencies.
|
| 05/29/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I never received proper notification of a debt prior to it being sent to collections and then a suit for garnishment. My original debt was with Kay/Sterling Jewellers and eventually went into collections with XXXX XXXX XXXX . in XXXX 2016 and is now an active wage garnishment since around that same time.
|
| 07/31/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
I've been paying my card faithfully on time. It says my credit limit is {$1000.00}, my balance is {$740.00}. It says available credit is {$0.00} and it will not allow me to use my card. I didnt receive anything saying why. They don't offer online or email contact and with my schedule I cant call to fix this.
|
| 02/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Kay Jewelers is reporting an installment account on my credit reports with XXXX, XXXX, and XXXX that are erroneous. I have sent many dispute letters to Kay Jewelers as well as the credit bureaus but I have not received the validation necessary to report this account on my credit reports.
KAY JEWELERS XXXX
|
| 09/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX are double reporting on my credit report. They are both reporting the same collection with the same balance and account number on XXXX. XXXX is only reporting the same collection on XXXX and not the other bureaus. This is a violation and it needs to be removed.
|
| 05/16/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Well I have been a victim of identity theft and I 'm still is a victim I contact the agency and the credit breau to provied me document showing that the accout is minds the agent is Kay jewelers the credit breau is XXXX I want documents or have the account remove of my file if they ca n't provied document.
|
| 02/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX are reporting inaccurate information on KAY JEWELERS with account number XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted
|
| 01/30/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am being called repeatedly about the debt that I owe. As of today, Monday, XXXX XXXX, this company has called me 10 times since XXXX. The voicemails that they leave do not identify the debtor, but just states that I am to call the person back as soon as possible to discuss a matter " of importance. ''
|
| 06/06/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have recited 10 calls in the last 30 minutes from the coperate office of kay jeweler. I have told them I am disputing the charges. They have also contacted a family member of mine and disclosed mt personal information. And they called my XXXX year old son who I did not put down his contact information
|
| 08/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
Servicemember |
|
Jared Galleria is calling me upwards of XXXX times a day half from private numbers others from multiple different numbers mainly from XXXX. I answer and they hang up constantly. I have talked with them and explained the situation and they continue the same behavior. This is rediculous and harrassment.
|
| 09/11/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I am asking Jared, Galleria of Jewelry and/or XXXX to send me a signed contract by myself that I owe them the debt they are claiming as their own.
They are reporting on my credit reports ( XXXX, XXXX, and XXXX ) that I owe them money.
I am asking for a signed contract with myself and the company.
|
| 10/06/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
Alleged company use scare tactics to threaten me to pay. Funny thing is it used a fake social number and name that not even mine yet still claim I MUST pay. That 's clearly identity theft written out. Name spelt way off and Ssn number used is off. That 's clear identity theft. They ripping off me.
|
| 06/21/2015 |
Yes |
|
|
|
Web |
Older American |
|
Kay Jewelers in XXXX Ohio XXXX allowed my son to purchase a wedding band and a diamond band on my Kay credit card with out my knowledge/approval I brought it to their attention as soon as I noticed it on my statement over a year now they refuse to do anything about it, say it is my responsibility.
|
| 01/08/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found the late payment on the dates below : 30 days late as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 09/23/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
I received a letter in the mail with my full name DOB and social security. Stating they are a debt collector named XXXX XXXX XXXX locates in XXXX XXXX CA trying to collect a debt for the amount of {$3100.00} for KAY JEWELERS. Which is false I have not purchased anything from KAYS IN YEARS!!!!
|
| 04/05/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ive contact XXXX XXXX about a credit that got on my account that was not mine. Ive contacted them more that 5 times. XXXX said they agreed to take it off one moment. Then next moment they decided not to. It have been 7years and i still can not get this off my account.
XX/XX/2010 {$370.00}
|
| 04/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
There is a XXXX XXXX account on my credit report which shows being paid in full but 150 days in delinquency. I have never made a late payment on this account. The balance was last updated in XXXX of 2013. For the last 6 years this inaccurate payment history has been hurting my credit score.
|
| 11/26/2015 |
Yes |
|
|
|
Web |
|
|
kay jewelers continues to change the status of my former charge account to open in collections when it was included in bankruptcy and discharged. this is causing me harm in trying to repair my credit and get new credit. it just caused me a XXXX point drop in my fico score by there reporting.
|
| 06/28/2016 |
Yes |
|
|
|
Web |
|
|
My spouse added me as an authorized user to her Kays Credit Card Account through Sterling Bank! The bank closed the account! My spouse called to have me removed and they said I was removed but it is still on my credit bureau as an authorized user! I called Kays and they REFUSE to remove it!
|
| 01/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Kay Jewelers was sold off to a collection agency XXXX XXXX. That has just fallen off my credit report after the reporting time ended. This is the original company and is too old to be on my report. Ive tried to dispute but it is not coming off. It has started reporting at the 7 month mark.
|
| 06/21/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2014 - Late 30 Days I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
|
| 08/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
All of XX/XX/2018 I had not received a statement from XXXX XXXX XXXX XXXX regarding payment. I contacted the Management team informing them of the issue. They updated my contact information, removed the late charge from the account but would not remove the late with the credit bureau.
|
| 07/31/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
Kay jeweler has contacted family and called in to my companies call center to get information. They have called me up to XXXX times a day from different phone No. I have asked them to stop contacting me several times and have made small payments on my account but they still harass me.
|
| 08/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account was open due to my identity theft I I have sent police reports on in regards to this matter. I have contacted this company that no longer owns the debt and they continue to tell me they cant speak with me. They wont respond to a written dispute that was sent XX/XX/20.
|
| 05/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have notified XXXX on many occasions that this account do not belong to me. I have also informed them that this account was opened as a result of identity theft. But they have not removed this account from my credit file. I need your assistance in getting this matter resolved.
|
| 05/18/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Jared Galleria of Jewelr y has been repeatly calling me. I receiv ed 5 calls in 15 minutes I spoke with someone 3 times and informed them that I had just spoke with someone. This happened Thursday XXXX XXXX between XXXX XXXX - XXXX XXXX cen tral standard time.
|
| 12/27/2016 |
Yes |
|
|
|
Web |
|
|
I returned three rings to XXXX on XX/XX/2016. Items were returned and I have yet to receive refund. I tracked the items and kayoutlet received the returned items on XX/XX/2016. It 's been well over 80 days and the {$2000.00} has yet to be refunded to my Kay jewelers credit card.
|
| 04/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I sent a affidavit to Kay Jewelers telling them i would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : Validation of the debt ( an audit trail in accordance with GAAP accounting principals ) ;
|
| 11/29/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me.
|
| 05/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Unauthorized inquiry on XX/XX/18 from a Sterling. I have sent letters to both Sterling and all credit bureaus that this was unauthorized and have failed to have it removed and/or verified. I do not have an account with this company and have not submitted a credit inquiry.
|
| 11/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Fraudulent law office threatened a law suit and wage garnishment for credit card debt. The law group called themselves XXXX XXXX XXXX. The transaction that collected the payment shows as XXXX XXXX, XXXX. They reportedly called as the debt collection agency for XXXX XXXX.
|
| 05/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
hi i have over XXXX hard inquires on my credit report i did not allow anyone to do this please help! I have a very good credit report besides the unknow inquires. Ive never had a late payment or a missed payment. This inquires have a major inpack on my credit report.
|
| 05/02/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Kay Jewlers sold my account to XXXX XXXX XXXX . There are in violations of the FCRA. They are still reporting.I dont have a contract with kay jewlers. They have sold my account for pennies on the dollar, and still reporting negative comments on my credit report.
|
| 02/03/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company took my financial info and used it against me during a time of identity theft. I made them aware that this debt is not valid. They have shown not proof or validation of the debt. I want this garbage removed and deleted immediately from my credit report.
|
| 01/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX is charging me for a credit card that I had identity theft on ... I lost my pocketbook and however the person that stole my credit card ... put some purchases on my credit account with XXXX credit card..I have file a police report to have this item removed
|
| 09/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.
|
| 02/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have received two credit inquiries on my XXXX, XXXX, and XXXX credit reports from XXXX XXXX and XXXX XXXX Outlet. Both came from XXXX XXXX card services on behalf of Sterlings Jewelers. I have not applied for a credit card at either XXXX XXXX or XXXX XXXX XXXX.
|
| 12/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I have a XXXX XXXX Account. It shows on my credit report that the account is closed. My credit score dropped from around 680 to 630. It also does n't have the correct amount of money I owe from XXXX XXXX. I tried going through XXXX XXXX but nothing came of it.
|
| 10/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Kay Jewelers HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$940.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 07/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX is reporting on XX/XX/19 that we were 30 days late for our payment. In our bank statement it shows we paid XXXX XXXX for that payment of {$300.00} on XX/XX/XXXX. I have called kay and they refused to help me get this removed from my credit report.
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports.
|
| 02/02/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
I 've fallen behind on a loan from Kay jewelers, I 'm working to resolve this, they 've taken to calling my elderly parents home and cell phone in attempts to reach me and resolve a debt aftet being told to stop calling. The number they 're using is XXXX.
|
| 10/02/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
A person walked into Kay Jewelers and decided to purchase jewelry under my name. He then decided to go to a different store, a few days later and tried to purchase more jewelry under by name, but this time, I was informed and he did not purchase anything.
|
| 07/21/2015 |
Yes |
|
|
|
Web |
|
|
Kay Jewelers is set to come off my credit reports in XXXX 2016. However, Florida Statute XXXX indicates that it should not be reported more than 5 years after the final payment which led to the charge-off. Therefore, it is beyond statute of limitation.
|
| 04/15/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They start at XXXX call during every hour first they call XXXX husband then they call XXXX me. Every call is from a different location ( however when call is made first to one number then the next same location ). Messages left maybe 50 % of the time.
|
| 12/20/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The debtor is Sterling Jewelers, their XXXX number is XXXX.
They do not leave messages and they implore several numbers across the US. Different states and cities and again they do not leave messages and in some cases the number does take call backs.
|
| 08/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Filled bankruptcy last year. Credit card should not show that it is a charge off or late payment status anymore on my credit report. It was removed off all other credit reports except for XXXX. Please update payment status or remove off credit report
|
| 05/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
When I began getting K jewelers bills in the mail I called them to explain that I never opened an account and they told me I was still responsible. The staff over the phone was never helpful and now this account I never created is ruining my credit.
|
| 03/25/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Servicemember |
|
Me and my husband both have Jared the Galleria of Jewler accounts we had been paying accounts and some confusion happened and payments were accidentally made to the wrong accounts. We are trying to close on a house and were made aware of this issue.
|
| 08/30/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
XXXX XXXX calls me every 3 minutes from different numbers. They also call my family that is not on the account with me. The earliest starts at XXXX to XXXX at night. I lost my job and try to work things out but it does n't stop the calls please help
|
| 10/07/2023 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have 2 accounts that are opened on my report. The dates are completely inaccurate and show the day the account was opened into collections and not the day i opened the acutal account both accounts were opened in 2016. They should Be charged off
|
| 04/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I called and the voice response system requests an account number but I don't have one. It asks for the last four of my social then says there's no account associated with my social security number. I left messages but don't get a call back.
|
| 05/23/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Store cards were opened in my name and birth date with an unknown social security number. Creditor sent cards to an address I never resided in a state I never resided. Two accounts appear on my credit file and thus far harming my credit.
|
| 12/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid all the company I owed in the past and they are showing up still on my credit report as Charged off after I paid all of them. I wrote them and ask to remove them from my credit report and still got no answer from them or no action.
|
| 08/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The debt collector begins to call me the day after a payment is late and calls me non stop every XXXX hours demanding I make a payment. This has been going on for months now of non stop abuse. As soon as I make the payment the calls stop.
|
| 07/12/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Tuesday, XXXX XXXX, 2016. getting these calls at my place of work, contacting my supervisor ; XXXX ( FILE # XXXX ( XXXX XXXX XXXX ) ; not sure who this is ; they say they want tos serve me legal papers at work ; scaring me and my husband
|
| 02/17/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
Kays jewlers misplacsed XXXX dollars in payments the payments were made in store. Never applied to the account. They are now contacting friends and family members not even on the account trying to collect payment for funds they misplaced
|
| 12/26/2016 |
Yes |
|
|
|
Web |
|
|
Kay jewelers sold my old debt to another company and I paid that years ago ... Kay Jewelers is showing a XXXX balance and yet they continue to update and damage my credit monthly and it is affecting my financing. I need this fixed asap
|
| 08/07/2015 |
Yes |
|
|
|
Web |
|
|
i checked my credit report for XXXX and XXXX and i see a KAY JEWELERS account that says " OPEN '' in XXXX XXXX, 2013 i just want it disputed for both bureaus bc i dont wan tit to keep saying is OPEN when i dont have an account at all
|
| 07/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
kay jewelers is still reporting on my credit report, this account is XXXX XXXX XXXX. I have settled this account and its over 7 years old. I am trying to purchase a home and I need this deleted off all my credit reports.
Thank you
|
| 01/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I did not authorize a hard credit pull of my credit. I only authorized a soft pull. Any hard pull of my credit is to be reduced to a soft pull or removed altogether. No authorization was given to have a hard pull of my credit file.
|
| 08/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
An account for JARED-GALLERIA/XXXX still appearing on my credit report. But i talk to someone to pay the complete balance and it would be removed in positive and its still showing negative. The account was paid in full already
|
| 03/04/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
As of XX/XX/2018 I had sent 3 letters one for each credit bureau requesting for validation of each account reflecting on my credit report.
XXXX XXXX is one of the debt collectors that has failed to provide proper verification.
|
| 06/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was never given a letter or email stating I owed anything to this company. I dont know what the debt is for other than Kay Jewelers XXXX No notifications of what was bought or anything. I have no knowledge of this account.
|
| 09/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Have a creditor that will not remove a collection after the statue of limitations.
Jared jewelers Opened in XXXX Have spoken with company and claimed it would be removed in XX/XX/XXXX. It still stands on my credit report.
|
| 05/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Kay Jewelers are reporting I was on LATE XX/XX/2020. I request METHOD OF VERIFICATION of this late payment. Please provide the names, phones, addresses and process used to determine the Late Payment or correct the history.
|
| 06/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Collection account still reports as a owed debt, collection was paid. I have disputed to all three reporting bureaus and its being verified by the bureaus as correct. Please see my attached evidence that the debt was paid.
|
| 10/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The {$280.00} balance has been paid since at least 2013 and should no longer be reflecting on my credit. I have a paid letter and have submitted it via mail to all bureaus, but it was returned from each XXXX. Please help.
|
| 09/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Calls repeated 10-20 times a day threatening to come to my residence or my wifes work with a uniformed officer to serve me with legal papers. Harrassing phone calls after I told him to stop. He says his name is XXXX XXXX
|
| 03/23/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I am disputing the companyXX/XX/XXXXfor opening up and closing an account in my name without my consent, the card was opened XX/XX/XXXX and shortly closed after. In doing so they have caused damage to my credit report.
|
| 03/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I 'm one month behind on my Jarred Jewler bill and they call every two hours. I get as many as 7 calls day. I ca n't answer the phone all the time and I already told them I 'll pay my monthly when I get paid on Friday.
|
| 08/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.
|
| 03/05/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX is reporting inaccurately on my credit report. They sold the debt to a 3rd party company that was paid. But they are still showing unpaid, past due on my credit report. I want XXXX XXXX removed immediately.
|
| 10/11/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
Kay jeweler found my family members phone numbers and has called them continuously to get messages to me. They went so far to tell my sister the name of their company and about how far behind my account is with them.
|
| 03/04/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
The original creditor sold this debt to a collection agency, they also wrote off this debt on their taxes which wrote off my obligation to pay but I paid anyway. This contract was cancelled which means NO CONTRACT.
|
| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Jered account # XXXX is reporting still that I was late on making a payment and informed me over two years ago that they were going to correct it and report it. The account show one late payment still as of today.
|
| 10/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Kay Jewelers have put an account on my credit for years that.I have acknowledged too them that it is not associated with me. But they insisted that it is and which is not at all. i am a victim of identity theif.
|
| 10/02/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
Company still reporting on my credit after it sold it to another company. Already paid the other company and keeping this negative item on my credit is stopping me from being able to provide my kids with a home.
|
| 03/24/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Servicemember |
|
Kaye Jewelers put o my credit report on XXXX that I was late with the payment and I was not. I 've actually paid above and beyond my payments. I 've asked them to remove it from my credit report and they refuse.
|
| 05/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have been making on time payments to XXXX XXXX XXXX Jared 's and they are not reporting to my credit report at all. The company has been saying that they are reporting to my credit file but it is not there.
|
| 02/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
MY NAME IS XXXX XXXX XXXX I AM A VICTIM OF FRAUD IVE REACHED OUT TO THE CREDITORS AND INFORMED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY.
LIST OF FRAUDULENT ACCOUNTS 1 ) XXXX XXXX XXXX 2 ) XXXX
|
| 02/05/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company is illegally reaging accounts and continues to report an address on my credit that Ive never lived in called XXXX, OH.They are reporting a debt as of 2021 and the account was well before 2021.
|
| 07/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
I never had kay jewelers. They threatened to take me to court for the debt. I told them I was in XXXX so I guess the used that against me. They say it dosent matter how many disputes you get you must pay
|
| 06/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The account was never turned into collection. Kay jewelers is the creditor. The account has a balance of {$2000.00} and was opened on XXXX / XXXX / 2014 . I have filed police and identity theft reports.
|
| 10/12/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I keep getting calls about my debt and I am going to go to jail and be sued. They keep reporting on my credit as well that it is delinquent. This account has been satisfied years ago. They won't stop.
|
| 04/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.
|
| 06/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed disputes based upon erroneous/incorrect items on my credit report so that those items can be removed. It has been well over 30 days and I have not received any investigation results.
|
| 02/01/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
{$460.00} total {$210.00} past due Fraudulent dispute Found in my favor then reversed 2 mouths later Account closed XX/XX/XXXX Dispute submitted XX/XX/XXXX Resolved XX/XX/XXXX Reversed XX/XX/XXXX
|
| 08/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My identity has been stolen someone used my credit to open an account with Sterling jewelers in New Jersey ... .I have not left the state since the pandemic so its impossible for this to be me
|
| 12/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This account was open on XX/XX/2014. It is 8 years and 6 months old and should be automatically removed off my credit report. It has reached its limit and is going against the air credit act.
|
| 09/15/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
This is not my account yet the company keeps calling me and harassing me. I want the calls to stop. Its depressing and stresses me out. They call me every hour from different numbers.
|
| 03/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
I was contacted and threatened legal action for a charge off account. The balance was below {$500.00}. My neighbor also called and questioned. Communication threats and disturbances
|
| 02/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have no knowledge of this account. I have sent out a debt validation letter XX/XX/2018 and haven't heard any responses from the company. I have filed identity theft with The FTC.
|
| 11/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 11/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 09/09/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This account is still on my XXXX report when I was told they would quickly remove it once I paid the full balance. The full balance was paid but it still shows on my report.
|
| 10/14/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call more than 5 times a day. They never leave a message.
They have also called my stepdad and left a message with him, he is not the person I put on my application.
|
| 10/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This is inaccurate because the date of last payment and date of last active is not reported the same with the reporting bureaus. Also the payment histories area different.
|
| 10/31/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
I was unable to work due to health problems and was asked to return items i did and my credit would be clear of any defaults and it is still reporting to all credit bureus
|
| 06/19/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Kay Jeweler XX/XX/2016 {$510.00} This account is an result of identity theft. I had no knowledge of this account. please investigate. I had no such luck with the company.
|
| 09/30/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Inaccurate amount of debt owe reporting consumer changed debt owed amount several times since account closed .That 's fraud, no contract, not liable for amount reporting
|
| 07/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The company sent me to a collection company once I paid the company for a pay and delete they reported it back to Kay jewelers and yet this is still on my credit report
|
| 04/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I settled this account on XX/XX/2019. The debt was never reported correctly. My wife and I continue to receive harassing phone calls threatening litigation against us.
|
| 03/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I was told by jared-gallery of jewelry. If I paid it off they would remove form my credit report. I paid in full and its still there. I have made many calls to them
|
| 08/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I don't know what these are on my credit report and it needs to be removed immediately. I will take legal action and I will file complaints with the XXXX and CFPB.
|
| 10/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of identity theft due to the XXXX data breach KAY JEWELERS - {$1000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX - {$830.00} - XX/XX/XXXX XXXX XX/XX/XXXX
|
| 10/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over XXXX days and I haven't received any investigation results.
|
| 10/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
There are discrepancies in the amounts I owe on credit cards and the XXXX XXXX XXXX has been paid off. I have tried to file a dispute online but will not work.
|
| 03/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 05/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days and still haven't received any investigation results.
|
| 06/24/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
Called my ex-husband 's number who I am estranged from about my debt. I have a restraining order and they are jeopardizing my life. Jared Galleria/Sterling
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
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.
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
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.
|
| 06/13/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I received iv er 10 calls per day for thr past 30 plus days from Kay Jewlers attemping to collect a debt, in which I have not received written notice.
|
| 05/25/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Filed for bankruptcy
|
|
Web |
Servicemember |
|
Kay Jewelers is calling me and my co account holder multiple times an hour from XXXX from different numbers from different locations in the country.
|
| 01/11/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Kay Jewlers will call from blocked numbers, random numbers and blocked numbers at all hours M-S, even at night or very early sometimes 15 times a day.
|
| 05/16/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XXXX XXXX 2015 I have received XXXX calls from Kay Jewelers. Upon speaking with them, I was informed of a balance that does n't match my records.
|
| 11/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
|
| 02/02/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit report and saw an account from XXXX XXXX for Kay Jewelers. Theres no debt reported. Never received any notice of a debt owed.
|
| 01/17/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
A caller identified as a debt collector try to collect on a credit card already paid 3 years ago. Creditor shows XXXX balance on credit report.
|
| 02/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
- XX/XX/2019 - inquiry - an inquiry was made on my credit report, i have no knowledge of this inquiry, please delete it off my credit report
|
| 11/08/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Also calls before XXXX and after XXXX. Back to back phone calls from different numbers. Wo n't tell me who they are until I verify who I am.
|
| 07/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
they ssold my debt without my consent. now another company has a hold on my personal information, and now reporting incorrect information.
|
| 11/12/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
|
| 10/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
The remarks are inconsistent for all the reporting bureaus. I have been disputing this but I still get the results. Please me out on this.
|
| 10/24/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Kay Jewelers continues to harass my wife on her phone even though she is not on the account and never has been. They also call after XXXX.
|
| 05/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
|
|
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, company calls me everyday at around XXXX MST and has now started calling family members at XXXX MST.
|
| 05/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
Servicemember |
|
XXXX from Kay Jewlers contacted my employer about my debt and disclosed personal information about the debt in an attempt to collect it.
|
| 11/25/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 10/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 10/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 09/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
|
| 05/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Ive paid a debt with Kay jewelers and it has yet to disappear off my credit report and its making it hard to apply for any credit.
|
| 01/21/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
|
| 05/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
After reviewing my credit report I noticed a account that was opened XX/XX/2013 that is not mine and showing it was late 60 days.
|
| 08/11/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Purchased a faulty watch with my kay outlet jewelers and now they do not want to take the return even though the watch is faulty.
|
| 07/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a bunch of hard inquiries on my credit report that should not be on my credit report because I did n't authorize them
|
| 10/19/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX to XXXX phones calls a day and sometimes using a number modulation to change their phone number saying different states
|
| 10/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
|
| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I've been overseas for 9 months and was not appealing for any credit. Fraud alerts have been placed with all bureaus.
|
| 04/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I have two addresses that I have never resided at. There are old accounts still showing that should have dropped off.
|
| 04/25/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX debt and mortgage showing on my XXXX all XXXX matter fact i 've never bought a mortgage and XXXX
|
| 08/30/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
|
Account Closed on credit report of Jared The Jewelers. Acccount reporting negative information on credit report
|
| 10/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This account was paid in full as of XX/XX/2019. The credit report should be updated to read as closed and paid.
|
| 06/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have a hard pull from XXXX XXXX as well as a Jewelers company that I never submitted for any credit approval.
|
| 09/08/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
Kay Jewelers closed my credit account without notice 01/2017. There were no missed payments on this account.
|
| 04/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Accounts show wage earner plan and included in bankruptcy but no bankruptcy exists on my consumer report.
|
| 10/31/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I missed a payment and spoke with a rep to setup new payments and I continued to get calls after that.
|
| 05/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This account is reporting negative information and needs to remove it ASAP a s it is over 7 years old.
|
| 08/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have not used my credit since 2017 I have a police report about stolen mail the person got arrested
|
| 12/06/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.
|
| 02/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I paid off my kay jewelers loam off in full and all of a sudden two years later they say I owe money
|
| 08/19/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
I had no idea I owed money thought I was paid off said I owed XXXX and it 's almost {$800.00} now
|
| 11/12/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
They are calling before or at XXXX and after XXXX and repeatedly calling every hour on the hour.
|
| 12/31/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account was fraudulently Opened without my consent or knowledge.
This account is not open
|
| 06/03/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Tendered payment to satisfy debt and they continue to damage credit with false information
|
| 10/06/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Jared account was opened using my information. This is fraud. See attached FTC Affidavit.
|
| 09/19/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
That is an old debt it should be gone from credit report its been over 7 years from 2015
|
| 06/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX XXXX is harassing me about a debt that I do not owe. I am a victim of ID Theft
|
| 06/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
REPORTING AN ACCOUNT THAT IS NOT MINE AND TRYING TO COLLECT AN DEBT THAT I DO NOT OWN.
|
| 06/14/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
They have called from XXXX to XXXX times a a day from XXXX or more different numbers.
|
| 12/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX INCORRECT STATUS OF LATE PAYMENTS. i HAVE BEEN ON TIME ON ALL PAYMENTS
|
| 03/23/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
They have contacted my employer and my references at least once every two hours.
|
| 12/21/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Repeat calls from all different numbers & states. Calls are about every hour.
|
| 05/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a fraudulent account on my credit report that I have never heard of
|
| 11/02/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
Kay jewelers called my job looking for me. They claimed they were a bank
|
| 12/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Got a letter saying I was sued and wages are going to be garnished
|
| 12/23/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This debt was satisfied in chapter XXXX by way of my husband.
|
| 03/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I looked at my report and saw inquiries that I did not do
|
| 08/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
XXXX is harassing me to pay a debt that happened in 2006.
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
Information reported on account is invalidation.
|
| 03/15/2019 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I dont owe XXXX XXXX or XXXX this much money!!
|
| 06/04/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I was lied to about the credit check process
|
| 11/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Problem with credit reporting. See attach.
|
| 11/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
Servicemember |
|
Threatening to visit my home or job
|
| 07/10/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I wan na just have my credit fix
|
| 10/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My identity was stolen
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 05/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 11/28/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 10/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/06/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/28/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 09/18/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
|
| 08/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 08/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
|
| 07/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 06/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 06/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 06/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 05/23/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 04/21/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 04/19/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 03/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 03/25/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 03/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 03/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 03/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
|
| 03/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 02/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 02/20/2022 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 02/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 02/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
|
| 02/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 02/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/30/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 01/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Postal mail |
|
|
|
| 01/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 01/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/13/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 01/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/06/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/12/2021 |
Yes |
- Debt collection
- Payday loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 11/23/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/09/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 11/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 10/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/30/2021 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 09/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
|
| 09/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 09/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 09/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 09/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 08/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 08/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 08/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 07/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 07/20/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 07/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 07/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 06/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 06/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 06/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/04/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 05/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/24/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 05/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 05/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 05/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 04/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 04/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 03/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/16/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 02/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/11/2021 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 02/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 02/06/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/03/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/28/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 01/14/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/01/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Referral |
|
|
|
| 11/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Fax |
|
|
|
| 11/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Fax |
|
|
|
| 11/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 11/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 11/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 10/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 10/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
|
| 10/26/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 10/23/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/13/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 10/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 09/20/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 09/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 09/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 09/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 07/29/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 07/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 07/16/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 07/13/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 07/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 07/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 07/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 07/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 07/03/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
|
| 06/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 06/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 06/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 06/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 05/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Fax |
|
|
|
| 05/27/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 05/25/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 05/18/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/18/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 05/11/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 05/01/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 04/30/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
|
| 04/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 04/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 04/15/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 04/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 04/14/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 04/07/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
|
| 03/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 03/02/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 02/28/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Phone |
|
|
|
| 02/20/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 02/14/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Referral |
|
|
|
| 02/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Fax |
|
|
|
| 01/17/2020 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Unexpected increase in interest rate
|
|
Web |
|
|
|
| 01/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Phone |
Servicemember |
|
|
| 12/30/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
|
| 12/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 11/27/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
|
| 11/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 11/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Phone |
|
|
|
| 11/16/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
Servicemember |
|
|
| 11/05/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 11/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 11/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 11/04/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Phone |
Servicemember |
|
|
| 10/30/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 10/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 10/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 09/26/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Pawn loan
|
- Charged fees or interest you didn't expect
|
|
Phone |
|
|
|
| 09/25/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 09/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 09/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
|
| 09/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 09/03/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
|
| 09/03/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 08/30/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
|
| 08/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Postal mail |
|
|
|
| 07/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 07/22/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 07/03/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
|
| 06/29/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 06/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/28/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 05/28/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 05/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 05/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 04/24/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 04/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 04/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Postal mail |
|
|
|
| 04/05/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 03/28/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
|
| 03/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 03/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 03/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 02/20/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 02/14/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Phone |
|
|
|
| 02/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
|
| 02/05/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 01/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
Servicemember |
|
|
| 01/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 01/20/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Add-on products and services
|
|
Web |
|
|
|
| 01/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
|
| 01/15/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
Servicemember |
|
|
| 01/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/05/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
|
| 01/03/2019 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Problem lowering your monthly payments
|
|
Web |
|
|
|
| 12/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 12/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/11/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/04/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
|
| 12/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 11/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/01/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
|
| 10/26/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 10/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 10/17/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account information incorrect
|
|
Phone |
|
|
|
| 10/14/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 10/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Fax |
|
|
|
| 10/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 10/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Email |
|
|
|
| 10/06/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 09/29/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
|
| 09/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
|
| 09/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 09/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 09/10/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 09/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 08/11/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 08/08/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 08/02/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 07/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 07/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 07/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 06/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 06/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 05/22/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 05/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
|
| 05/12/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 05/10/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Charged too much interest
|
|
Postal mail |
|
|
|
| 05/09/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 05/07/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 04/10/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Postal mail |
|
|
|
| 04/10/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Struggling to pay your bill
- Credit card company won't work with you while you're going through financial hardship
|
|
Web |
|
|
|
| 04/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 04/05/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 04/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 04/02/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
|
|
|
| 03/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 03/29/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/29/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 03/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
|
| 03/02/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 02/27/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 02/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 02/25/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 02/20/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
|
| 02/15/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Account sold or transferred to another company
|
|
Web |
|
|
|
| 02/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 02/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Referral |
|
|
|
| 01/30/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Phone |
|
|
|
| 01/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/19/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/13/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/11/2018 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 01/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/01/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/29/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 12/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/09/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
|
| 12/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Phone |
|
|
|
| 12/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
|
| 11/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 11/13/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Phone |
|
|
|
| 11/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 11/11/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
|
| 11/09/2017 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 11/08/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Closing your account
- Can't close your account
|
|
Web |
|
|
|
| 11/06/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 11/04/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Fees or interest
- Problem with fees
|
|
Web |
Servicemember |
|
|
| 11/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 10/20/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
|
| 10/19/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 10/18/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Trouble using your card
- Can't use card to make purchases
|
|
Web |
|
|
|
| 10/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 10/17/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/12/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/10/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
|
| 10/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 10/09/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
|
| 10/06/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 10/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 09/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 09/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 09/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/30/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 08/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Phone |
|
|
|
| 08/25/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Fax |
|
|
|
| 08/25/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 08/22/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 08/14/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 08/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 08/09/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
|
| 08/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 08/02/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 08/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 08/01/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
|
| 07/28/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
|
| 07/24/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/23/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 07/19/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 07/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 07/12/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 06/24/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 06/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Phone |
|
|
|
| 06/09/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 06/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 06/02/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 06/01/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 05/30/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 05/26/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Problem with customer service
|
|
Web |
|
|
|
| 05/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Postal mail |
|
|
|
| 05/19/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/10/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
|
| 04/26/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
|
| 04/26/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
|
| 04/14/2017 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
|
| 03/30/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/30/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 03/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 03/29/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/24/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 03/23/2017 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
|
| 03/22/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 03/14/2017 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Managing the line of credit
|
|
Phone |
|
|
|
| 03/13/2017 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
|
|
|
| 03/07/2017 |
Yes |
|
|
|
Web |
|
|
|
| 02/17/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
|
| 02/16/2017 |
Yes |
|
|
|
Web |
|
|
|
| 02/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Phone |
Servicemember |
|
|
| 02/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 02/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/30/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Problems when you are unable to pay
|
|
Web |
Servicemember |
|
|
| 01/25/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 01/23/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/17/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
Servicemember |
|
|
| 01/16/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 01/11/2017 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 01/04/2017 |
Yes |
|
|
|
Phone |
|
|
|
| 12/31/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 12/30/2016 |
Yes |
|
|
|
Web |
|
|
|
| 12/30/2016 |
Yes |
- Other financial service
- Credit repair
|
- Customer service/Customer relations
|
|
Web |
|
|
|
| 12/09/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/08/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 12/07/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
|
| 12/04/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
Servicemember |
|
|
| 11/30/2016 |
Yes |
|
|
|
Web |
|
|
|
| 11/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/15/2016 |
Yes |
|
|
|
Web |
|
|
|
| 11/13/2016 |
Yes |
|
|
|
Web |
|
|
|
| 10/24/2016 |
Yes |
|
|
|
Web |
|
|
|
| 10/18/2016 |
Yes |
|
|
|
Web |
|
|
|
| 10/12/2016 |
Yes |
|
|
|
Phone |
|
|
|
| 10/05/2016 |
Yes |
|
|
|
Web |
|
|
|
| 10/03/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 09/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/26/2016 |
Yes |
|
|
|
Web |
|
|
|
| 09/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/13/2016 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
|
| 08/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/20/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/16/2016 |
Yes |
|
|
|
Phone |
Servicemember |
|
|
| 08/08/2016 |
Yes |
|
|
|
Web |
|
|
|
| 08/08/2016 |
Yes |
|
- Credit line increase/decrease
|
|
Phone |
|
|
|
| 07/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 07/26/2016 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 07/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 07/06/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/05/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Phone |
|
|
|
| 07/03/2016 |
Yes |
|
|
|
Web |
|
|
|
| 06/25/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 06/21/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
Servicemember |
|
|
| 05/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 05/09/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 05/09/2016 |
Yes |
- Consumer Loan
- Personal line of credit
|
- Managing the line of credit
|
|
Phone |
|
|
|
| 05/06/2016 |
Yes |
|
|
|
Web |
|
|
|
| 04/26/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
|
| 04/25/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/19/2016 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
|
| 04/06/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/29/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 03/16/2016 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 03/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Referral |
|
|
|
| 03/09/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/01/2016 |
Yes |
|
|
|
Web |
|
|
|
| 02/26/2016 |
Yes |
|
|
|
Web |
|
|
|
| 02/21/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 02/18/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 02/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 02/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 02/10/2016 |
Yes |
|
|
|
Web |
|
|
|
| 01/29/2016 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
|
|
|
| 01/22/2016 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
Servicemember |
|
|
| 01/13/2016 |
Yes |
|
|
|
Phone |
|
|
|
| 01/09/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/08/2016 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 12/21/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/15/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 12/10/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 11/12/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
Servicemember |
|
|
| 11/11/2015 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
|
|
|
| 11/09/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 11/04/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 11/03/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 11/02/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 10/30/2015 |
Yes |
|
|
|
Web |
|
|
|
| 10/29/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 10/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 10/24/2015 |
Yes |
|
|
|
Web |
|
|
|
| 10/22/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 10/19/2015 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 10/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 10/14/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 10/08/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/06/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/06/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/19/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
Servicemember |
|
|
| 08/21/2015 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 08/05/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 08/03/2015 |
Yes |
|
|
|
Web |
|
|
|
| 08/01/2015 |
Yes |
|
|
|
Web |
|
|
|
| 07/28/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
|
| 07/22/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 07/14/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 07/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 07/07/2015 |
Yes |
|
|
|
Web |
|
|
|
| 06/17/2015 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Postal mail |
Older American |
|
|
| 06/15/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/23/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 05/22/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 05/21/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/13/2015 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 04/30/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 04/30/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Phone |
|
|
|
| 04/27/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Phone |
|
|
|
| 04/14/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Phone |
|
|
|
| 04/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Phone |
|
|
|
| 04/04/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 03/31/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 03/31/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 03/24/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 03/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 03/13/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 03/12/2015 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
|
|
|
| 03/11/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/11/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 03/02/2015 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 02/28/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 02/27/2015 |
Yes |
|
|
|
Web |
|
|
|
| 02/25/2015 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
|
|
|
| 02/24/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
Servicemember |
|
|
| 02/21/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/19/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
|
| 02/19/2015 |
Yes |
|
- Customer service / Customer relations
|
|
Phone |
|
|
|
| 02/19/2015 |
Yes |
|
|
|
Web |
|
|
|
| 02/16/2015 |
Yes |
|
|
|
Web |
|
|
|
| 02/14/2015 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
|
| 02/12/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/12/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/11/2015 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
|
| 02/06/2015 |
Yes |
|
|
|
Web |
|
|
|
| 02/05/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/28/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
|
| 01/27/2015 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 01/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
Servicemember |
|
|
| 01/20/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/20/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 01/12/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 01/12/2015 |
Yes |
|
|
|
Web |
|
|
|
| 01/10/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 01/07/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
|
| 01/02/2015 |
Yes |
|
- Advertising and marketing
|
|
Web |
|
|
|
| 12/30/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 12/30/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/30/2014 |
Yes |
|
- Credit card protection / Debt protection
|
|
Web |
|
|
|
| 12/19/2014 |
Yes |
|
|
|
Web |
|
|
|
| 12/16/2014 |
Yes |
|
|
|
Web |
|
|
|
| 12/13/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
|
| 12/10/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Phone |
|
|
|
| 12/08/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/05/2014 |
Yes |
|
|
|
Web |
|
|
|
| 12/04/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
|
| 12/03/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 12/01/2014 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 11/25/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 11/25/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 11/20/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 11/16/2014 |
Yes |
|
|
|
Web |
|
|
|
| 11/11/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 11/11/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 11/10/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 11/07/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 11/06/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 11/04/2014 |
Yes |
|
|
|
Web |
|
|
|
| 10/31/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 10/28/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
|
| 10/24/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 10/22/2014 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
|
| 10/20/2014 |
Yes |
|
|
|
Phone |
|
|
|
| 10/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
|
| 10/16/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
|
| 10/13/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/02/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/29/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 09/29/2014 |
Yes |
|
- Advertising and marketing
|
|
Phone |
|
|
|
| 09/28/2014 |
Yes |
|
|
|
Web |
|
|
|
| 09/24/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 09/24/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 09/24/2014 |
Yes |
|
|
|
Web |
|
|
|
| 09/23/2014 |
Yes |
|
|
|
Web |
|
|
|
| 09/16/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Phone |
|
|
|
| 09/16/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
|
| 09/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 09/09/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 09/08/2014 |
Yes |
|
- Closing/Cancelling account
|
|
Web |
Servicemember |
|
|
| 09/08/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 09/05/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Phone |
|
|
|
| 09/05/2014 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
|
| 09/04/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 08/28/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 08/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Referral |
|
|
|
| 08/15/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 08/11/2014 |
Yes |
|
|
|
Web |
|
|
|
| 08/06/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 07/28/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 07/28/2014 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
|
| 07/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 07/22/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 07/22/2014 |
Yes |
|
|
|
Web |
|
|
|
| 07/19/2014 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
|
| 07/15/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Phone |
Older American |
|
|
| 07/02/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/29/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
|
| 06/23/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/17/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
|
| 06/10/2014 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
|
| 06/09/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 06/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 06/06/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Sued w/o proper notification of suit
|
|
Web |
|
|
|
| 06/05/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Servicemember |
|
|
| 05/29/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 05/28/2014 |
Yes |
- Debt collection
- Credit card
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 05/27/2014 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 05/27/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 05/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 05/23/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted employer after asked not to
|
|
Web |
|
|
|
| 05/18/2014 |
Yes |
|
|
|
Web |
|
|
|
| 05/13/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Postal mail |
|
|
|
| 05/07/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 05/05/2014 |
Yes |
|
|
|
Web |
|
|
|
| 05/02/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
|
|
|
| 05/01/2014 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 04/23/2014 |
Yes |
|
|
|
Web |
|
|
|
| 04/23/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
|
| 04/21/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
|
| 04/18/2014 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 04/12/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
|
| 04/11/2014 |
Yes |
|
|
|
Web |
|
|
|
| 04/04/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 03/21/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 03/17/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
Older American |
|
|
| 03/05/2014 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
|
| 02/18/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/14/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
|
| 02/11/2014 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 02/11/2014 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 02/07/2014 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Postal mail |
|
|
|
| 02/06/2014 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
|
| 02/04/2014 |
Yes |
|
|
|
Web |
|
|
|
| 01/24/2014 |
Yes |
|
|
|
Web |
|
|
|
| 01/24/2014 |
Yes |
|
|
|
Web |
|
|
|
| 01/22/2014 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Impersonated an attorney or official
|
|
Web |
|
|
|
| 01/08/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 01/06/2014 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Phone |
|
|
|
| 12/11/2013 |
Yes |
|
|
|
Web |
|
|
|
| 12/08/2013 |
Yes |
|
- Advertising and marketing
|
|
Web |
|
|
|
| 12/03/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 11/20/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Phone |
|
|
|
| 11/11/2013 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 11/05/2013 |
Yes |
- Debt collection
- Credit card
|
- Taking/threatening an illegal action
- Threatened arrest/jail if do not pay
|
|
Web |
|
|
|
| 10/25/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 10/23/2013 |
Yes |
- Debt collection
- Credit card
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
|
| 10/23/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 10/22/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Phone |
|
|
|
| 10/10/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/28/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
|
| 09/11/2013 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
Servicemember |
|
|
| 09/03/2013 |
Yes |
|
|
|
Web |
|
|
|
| 08/29/2013 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Threatened to take legal action
|
|
Phone |
|
|
|
| 08/21/2013 |
Yes |
|
|
|
Web |
|
|
|
| 07/01/2013 |
Yes |
|
|
|
Web |
|
|
|
| 06/19/2013 |
Yes |
|
- Unsolicited issuance of credit card
|
|
Web |
|
|
|
| 04/16/2013 |
Yes |
|
|
|
Web |
Servicemember |
|
|
| 04/04/2013 |
Yes |
|
|
|
Web |
Older American |
|
|
| 02/27/2013 |
Yes |
|
|
|
Web |
|
|
|
| 02/02/2013 |
Yes |
|
|
|
Referral |
|
|
|
| 06/21/2012 |
Yes |
|
- Forbearance / Workout plans
|
|
Postal mail |
|
|
|