Comenity Bank Customer Service Issues

I accessed my Forever 21 account yesterday and noticed an unexpected balance of $[redacted].73, whereas I only owed $40. Upon reviewing my statements, I discovered six unauthorized purchases made on 9/24/[redacted] at a store in New York, despite residing in California. Although my physical credit card is in my possession and I have reported it stolen, the transactions were still made. While customer service was unhelpful by stating the purchases were in-store, not online, I am left seeking assistance in resolving this issue. I kindly request guidance on how to address this situation and if the funds can be reimbursed promptly. Thank you for your immediate attention.

I recently discovered a Victoria's Secret account was opened in my name without my consent. I received a letter from them alerting me of security concerns regarding potential fraudulent activity on the account. After speaking with a customer service representative on October 1, [redacted], I was informed that a fraud report would be filed. Surprisingly, on October 2, [redacted], I received a new Victoria's Secret credit card in the mail, which I did not request. I want to report this and ask for assistance in resolving this matter. I have shared my email address below and can provide more information if needed. John T Williams 84 N. Thomas Ave. Kingston, PA [redacted]

I hold three cards with Comenity Bank. Initially paying on the first two, I recently opened the third before needing a hysterectomy due to PCS and PCOS. After experiencing cysts on my cervix, ovaries, and uterus, I was off work for 6-8 weeks, falling behind on payments. Facing a $[redacted] water disconnect and rent due, I am struggling to catch up, prioritizing my daughter's basic needs. Despite receiving 10 calls daily, sending my account to collections seems heartless. Refusing to pay further, I was even scolded for not disclosing my surgery. This situation is incredibly challenging, and I hope for better understanding from the bank.

Good afternoon! My name is Jessica Cotto Felix. I received a letter stating that my credit application for PINK was not approved. It mentions insufficient payment on my student loan. I want to clarify that I am still a student and payments start after I finish my studies. I'm wondering if this is the reason for the card disapproval as I have friends and my elder daughter with the card and fewer points than me. Thank you. You can reach me at [redacted].

While making a purchase at Academy, the cashier offered me a $15 discount on my first purchase (a pellet gun) if I signed up for what I thought was just a store subscription. However, it turned out to be a credit card, which I didn't realize until I received a pamphlet with the credit card information. I did not intend to apply for a credit card. Is there a way to cancel it?

I recently applied for an Overstock store credit card on 10/6/[redacted] and was excited to be approved with a $2,[redacted] credit limit and a zero percent interest offer for 12 months. However, when I tried to make a purchase of almost $[redacted], I realized I couldn't proceed without the physical card in hand. It frustrated me that even though I provided all the necessary private information during the application, I couldn't access my account to complete the purchase. I don't understand why I can't make the purchase without having the card number visible for the first time, especially in contrast to my experience at Kohl's where they assist in looking up account numbers for immediate use at the register. This inconvenience led me to empty my cart and reconsider my future shopping with Overstock.

I would like to suggest enabling customers to make purchases using their credit account without requiring the physical card, especially for new accounts or first-time buyers. I am eager to proceed with the items in my cart and finalize the transaction promptly. There must be a method to verify customer information securely to facilitate this process. Failing to do so may result in missing out on a substantial $[redacted] sale. I suspect other customers might face a similar dilemma. I have spent hours attempting to resolve this issue without progress, and I am no closer to completing my purchase than I was yesterday.

I was approved for a Sephora Visa card in early September. I had a balance of $79.00 on the card and made a payment of $50.00, with the final payment scheduled for 10/11. However, on October 7th, Experian notified me that my Sephora Card was closed by the credit grantor. Despite contacting Sephora twice, I have not received an explanation for the closure. My credit is in good standing, and I am awaiting a letter from Sephora that was supposedly sent on October 1st, which I have not yet received. Experian advised me to reach out to Sephora for clarification. I simply want to understand why my credit card was closed. Thank you for your help.

To Whom It May Concern, I am extremely frustrated! I have been waiting on hold for 20 minutes to speak with someone at Comenity Bank about my concerns. I received a call early Friday morning regarding 2 late payments on my Victoria's Secret credit card. Despite assurances from multiple representatives that my $16.95 automatic payment had gone through on time, I am now facing late fees and interest charges due to misinformation provided. This has been a headache to deal with, especially considering my track record of always paying my credit card balances in full. It is disappointing that such a small amount has caused such a major issue. Please escalate this matter appropriately as I may need to involve my attorney if this is not resolved promptly. Sincerely, A.A.

Hello, my name is Hiedi Burgess, and I have a Victoria's Secret credit card as well as a new Wayfair card. I have not received my Wayfair card despite speaking with a representative and requesting it. Similarly, I am receiving calls about payments due on my Victoria's Secret account but do not have the necessary account information to make payments. This has led to late fees, making it challenging for me to settle my balances. I would like to know my final balance for both accounts to pay them off and resolve these issues. Currently, I prefer not to use my checking account for payments and would appreciate any assistance in closing these accounts. Thank you for your help.

I want to report an issue I encountered with Comenity Bank during my Wayfair Credit Card application. After receiving a letter requesting verification of my information, I contacted them to cancel the card. I found the customer service representative's tone intimidating when I declined to answer questions. Although she assured me this wouldn't impact my credit, the scripted responses felt pushy. Despite explaining I was no longer interested, she insisted we complete the application and noted I refused to answer questions. This experience was unpleasant, and I aim to inform others to avoid applying for the Wayfair credit card due to this encounter with Comenity Bank.

I have noticed that my account with Fashion Bug, which was closed in January [redacted] with a zero balance, is being reported to Transunion Credit Bureau multiple times every month since July [redacted]. Despite being closed for 9 years, this issue persists. Upon contacting Fashion Bug, I was directed to Transunion as Comenity Bank handles the credit. To resolve this matter, I seek assistance in ceasing these repeated monthly reports. My name is Carol Towery. Thank you.

While placing an order with Talbots, I accepted a 15% discount incentive to apply for a Talbots credit card. Despite having an excellent credit score and substantial income, the application process stated it would take 10 days to process, and I wouldn't receive the discount. This feels like an illegal bait-and-switch tactic. I plan to address this directly with Talbots. I am requesting the immediate cancellation of my credit card application, complete removal of my personal information from the system, and no mail correspondence to my address to prevent sharing or selling of my details. I seek confirmation that these actions will take place promptly. The request was made at 2:15 PM EST and I am eager for it to be carried out shortly.

Two years ago, I tried a WiFi hotspot but wasn't impressed, so I returned it within 10 days using my Citibank card. After that, Citibank called regarding the payment, but I explained about the return. They then transferred my account to Comenity Capital HSN. Even though I provided proof of the return with purchase and return records, HSN didn't verify it. Comenity has not sent me a bill but listed $[redacted] instead of the product's actual cost of $[redacted], damaging my credit without cause. This needs immediate correction. Comenity Bank HSN should verify information before making assumptions. This customer won't buy from HSN or online again until resolved. Proper fact-checking is essential before affecting anyone's credit. It will be fully disputed if necessary. Have a great day.

I purchased engagement and wedding rings with a 6-month deferred interest plan. Although my statement indicated the 9th as the due date, my account was actually due on the 25th. During a ring cleaning, I inquired if paying by the due date would still qualify for deferred interest, to which the staff erroneously confirmed. However, I was shocked to find $[redacted] in interest charges on my latest statement. Despite speaking with six representatives, I was informed it was due to "government regulation," which I find unacceptable. I have banking experience in Williamsburg, Virginia, and know this is not a government-mandated fee - these charges can be waived. Comenity claims they are not affiliated with Zales, yet ZALES is prominently displayed on my card and statements. The lack of empathy and being accused of dishonesty is distressing. Given my disability and fixed income, I find it impossible to afford an additional $[redacted] during the holiday season. I am prepared to escalate this matter to the CEOs of both companies and ensure none of my acquaintances choose Zales products in the future. I insist on having the interest charges waived, especially since I sought clarification in-store regarding the payment date, which I was incorrectly informed about.

I am continuously receiving phone calls from your bank that are not intended for me. Despite my repeated attempts to explain this, the calls persist. My name is Mary L. Smith, and the messages are meant for Caroline P., a person unknown to me. I had a zero balance account with Beall's, which I have since closed due to this ongoing issue. I want to make it clear that I have no outstanding debts with your bank or any other institution. I have taken steps by filing a complaint with the FTC as well as registering on the Do Not Call list. If these calls continue, I may seek legal advice to address the matter.

On October 18th, [redacted], I made a payment of $87.22, intending to pay my bill in full. However, the payment was erroneously posted to an incorrect account ending in [redacted]. I only have the last four digits of the account number as I disposed of the old card when I got a new one. Kindly rectify this error by transferring the funds to the correct account to clear my balance to zero, as it should be. I am unsure about the specific account details since the new card should not have any remaining balance. Thank you.

Hello, my name is Mike Masterson. I am a daily personal opinion newspaper columnist with the statewide Arkansas Democrat Gazette and I have encountered an issue that I hope you can assist me with. About a year ago, I bought an engagement ring at Kay Jewelers in Branson, MO, costing around $3,[redacted]. I placed a down payment and financed the remainder on a card that guaranteed no interest if paid off in full on time, which I diligently did via monthly direct withdrawals from my bank account. However, when I recently checked with my bank about the last payment, I was informed of unexpected interest charges of nearly $[redacted]. Despite making all payments on time and completing the final $[redacted] payment as scheduled, I was stunned by this news. I believe there has been a misunderstanding, as I meticulously maintained the payment schedule agreed upon from the beginning. I am reaching out for your help in resolving this matter fairly and kindly request that Kay Jewelers reconsider charging me this unexpected interest. Thank you for your attention to this issue. Sincerely, Mike Masterson

Hello, I'm Mike Masterson, a daily newspaper columnist for the Arkansas Democrat Gazette. I'm reaching out for help regarding an issue with Comenity. A year ago, I purchased an engagement ring at Kay Jewelers and financed a portion, being assured that no interest would be charged if paid in full as agreed. I scheduled automatic payments, with the final one in November. Surprisingly, when I called to confirm the last payment, I was told I owed nearly $[redacted] in interest due to being 11 days past a cutoff date. This doesn't align with my arrangements. My credit history reflects timely payments, including the final installment of $[redacted]. I'm caught off guard by this charge and am requesting assistance to rectify the situation. My account number with Kay Jewelers is 7[redacted] 0[redacted], under Michael Masterson. I look forward to your response. Thank you.

Hello. I would like to report a fraudulent credit application with reference number [redacted]. I recently received a notice via US mail stating that a credit application made in my name was declined by Big Lots or Comenity Bank. I did not apply for credit with either of these entities. Additionally, I received similar notices from various other merchants, some of which successfully processed credit applications. I have been unsuccessful in reaching your phone line in a timely manner, with wait times exceeding 30 minutes. Could you please reach out to me or provide a direct line to contact your fraud department? Thank you. - P. Drake