Comenity Bank Customer Service Issues

Comenity Capital Bank approved me for a $20,[redacted] credit line to use at the dentist. However, when the account was activated, the dentist withdrew the funds without providing any services. I believe Comenity is responsible for overseeing the funds and feel that the dentist acted dishonestly by taking the money. Now the bank is requesting repayment of the $20,[redacted]. I am disappointed with the situation and would like to close the account. It is important that the dentist is held accountable for misusing the funds. Thank you for your attention to this matter. Sincerely, M. Burotto.

Dear Comenity Bank, I am writing to address a matter regarding my Eddie Bauer Card that has negatively impacted my credit score. On July 10, [redacted], during a credit check for a home mortgage pre-approval with Summit Credit Union, I discovered a past due amount on this card which lowered my credit score significantly. I opened the Eddie Bauer Card at the outlet store in Wisconsin Dells, WI, in November [redacted] but never received a billing statement or card. Due to personal challenges, including a divorce and custody arrangements, I missed the payment. Furthermore, the billing address, phone number, and email on the account were changed to my ex-wife's information without my knowledge. After multiple attempts, I contacted Comenity Bank to settle the overdue payment. I kindly request that this incident be removed or adjusted on my credit report promptly to facilitate my property refinancing. Sincerely, [Initials]

Hello, I recently noticed a monthly late fee charged to my account without any prior notification. Despite regularly receiving emails from Comentity bank, I was never informed about this pending balance. I am a member of the US Navy deployed on the USS Theodore Roosevelt since January and experienced limited internet access until recently due to the COVID-19 pandemic onboard. I can provide a copy of my LES for verification purposes. It seems unreasonable to be contacted by the company without prior notice of the outstanding balance. I kindly request for the late fees to be waived, as this is my first opportunity to settle the amount. Thank you.

Hello, I am reaching out for assistance with my account related to a credit card opened for a medical spa service years ago. The service was misrepresented to me, and I was pressured into it. Despite following the refund procedure outlined in the fine print by contacting Comenity in [redacted], I never received the refund. As a COVID-19 ICU nurse facing financial challenges and a student loan debt of $[redacted],[redacted] at 31 years old, I am seeking help to resolve the remaining balance. I have maintained a good payment history and am struggling to get pre-approval to purchase a condominium. You can reach me at [redacted] or via email at [redacted] Thank you for your assistance, Samantha

I was thrilled to be approved for my VS Pink credit card with a $[redacted] limit. At 37, this is my first major credit card as I am working on building my credit. I made a couple of purchases and decided to pay it off early, but I mistakenly entered my bank details incorrectly, leading to my payment not going through. This mistake resulted in my account being frozen for 6 months, which was disheartening as I was diligently working on improving my credit score. After patiently waiting for 6 months, I received a new card from the bank, which made me hopeful that my account was back to normal. Unfortunately, I discovered that my account had been closed by the bank, leaving me frustrated and confused. I believe this decision is unfair, especially since I had paid off my balance early. I hope to discuss this matter further with someone who can assist in resolving this issue promptly. Thank you for your help. Sincerely, Kristina H.

I am reaching out to express my concern regarding the repeated decreases in my credit card limit provided by your bank. Last year, I attempted to consolidate some cards, but the excessive fees made it impractical. Currently, I am diligently paying off the cards I prioritized, including those issued by your bank. However, the continuous reduction of my credit limit is adversely affecting my credit score. I kindly request that you restore the previous credit limits on my cards and halt any further reductions as they are negatively impacting my credit profile. Your attention to this matter and a confirmation email upon receipt of this message would be greatly appreciated. Thank you.

Yesterday, on November 28, [redacted], my partner and I visited Vidanta. Regrettably, we ended up signing a contract with them and opening a bank account. They provided us with a loan of $[redacted] without interest for 6 months. It became clear to us after leaving that it was a scam and they had not been truthful with us regarding the timeshare. We now understand that we have the legal right to cancel this transaction within 5 days. I urgently request the cancellation of the charge made to my card in my name and the closure of the account. I appreciate any assistance in resolving this matter promptly. Thank you.

I am writing to let you know that when I make my payment in a few days, I will not be sending $27.00. You charged me a late fee of $29.00, which I am not paying. My payment was only a few hours late due to some issues I had here, or else it would have been on time. I already dealt with this situation the last time I ordered from Haband. Therefore, I will be submitting $10.42, which would have covered my balance per the latest statement. Please do not send me any messages regarding unpaid late fees because I will not be paying them. Thank you, D. H.

On 1/25/21, I encountered issues with my Caesar's Rewards account regarding a charge for Adidas. Following their request to close the account for further investigation, I agreed. Upon receiving a new card, I opted not to activate it until the previous charges were resolved. After being notified that the charges were removed, I attempted to validate the card, only to realize it had gone missing along with my new driver's license and car title. Following a conversation with a representative, I was informed the account would have to be closed. On 2/5/21, I tried to activate what I believed was a new card, only to find out the account had been closed. Despite my regular payments and good standing, I was met with hostility from a representative. After receiving conflicting information during subsequent calls, I am left puzzled and seek a written explanation from Comenity. I find the situation perplexing as I diligently make payments and maintain my balance. I am eager to understand why my account was closed and what transpired since my last interaction.

Subject: Issue with Late Charges on Wayfair Comenity Account To the Comenity Administrator of Customer Services, I am reaching out concerning the ongoing late charges appearing on my Wayfair Comenity account despite making payments on the agreed-upon 10th day of each month. After numerous attempts to rectify this issue with your customer service team, I was assured that the problem would be resolved by making payments over the phone on the 10th to avoid the erroneous $40 late fee. Despite my consistent efforts to pay on time, the balance has not decreased as expected, with my payments seemingly allocated to finance charges and additional late fees. This recurring problem has led me to contact the BBB regarding these fraudulent practices. Additionally, I was informed by Wayfair's VP of Customer Affairs that the company is discontinuing its association with Comenity due to such persistent issues. I refuse to make further payments until all late charges are refunded, along with any associated interest. I kindly request your cooperation in updating the BBB and credit agencies once these corrections are made. Thank you for your attention to this matter. Regards, Karen T.

I received a bill from Wayfair/Comenity for a purchase allegedly made on 04/17/[redacted], even though I had already paid off my $[redacted].13 balance. After speaking with Wayfair Customer Service who redirected me to Comenity, I couldn't find the transaction in my bank statements. It's possible it was charged to a different credit card initially. I believe this charge, if valid, should have been included in my final balance and removed now, nearly a year later, seems untimely. It's concerning to me that Comenity is only pursuing this now, especially after my last late payment resulted in rude behavior from Wayfair.

Recently, I received a letter from Comenity regarding a credit offer used at Wayfair, stating there was no offer, and my account would be closed. I promptly called and verbally closed the account after settling the bill. Months later, I unexpectedly received a bill dated April [redacted], for the same closed account. Despite contacting customer service and requesting written confirmation, I was simply told I still owed the amount. I find it frustrating that after months of silence, I am now being billed for an account I closed. I have noticed dubious reviews on your website and have reported my concerns on the BBB site. I insist on receiving all communication in writing moving forward, as verbal agreements seem ineffective with your bank. Please address this matter promptly and cease any robocalls. Thank you.

After logging into my Burlington online account to pay my bill, I noticed a minimum due of $55.00 by 07/02/[redacted]. I made a one-time payment for that amount and date. While in-store, I checked my balance, which showed $0.00. Upon returning, I confirmed the payment was scheduled but was prompted to make a late payment for the current month. Despite choosing a day for the payment, my balance remained at $0.00. Customer service explained I needed to wait until 07/10/[redacted] for the next billing cycle to resolve the issue. Despite encountering misgendering by representatives, the supervisors provided apologies but reiterated the system's limitations. Dissatisfied with the customer loyalty response, I decided to pay off my card and utilize other forms of payment. The store manager was also puzzled by the situation. Overall, while the in-store staff was outstanding, the call center's unprofessionalism and lack of concern about customer retention during Pride month was disheartening.

Hello. I am looking for the most effective method to reach out to Comenity Bank in case I encounter any issues. After researching numerous phone numbers on Google, I found myself getting transferred between different lines without clarity on their respective purposes. I possess an Ultamate Rewards Mastercard issued by Ulta Beauty in partnership with Comenity Bank. Being proactive, I seek to streamline the process should a situation arise. I also noted discrepancies between Comenity Bank and Comenity Capital Bank, observing instances where they share the same phone number but differ in addresses. It appears they may be associated entities despite the address variations. Any assistance on this matter is welcomed. Thank you for your help! -M-

I mailed a check to Comenity Bank on May 29, [redacted], to settle my Bealls Dept Store bill. The check was for $63.16, but I recently received a bill charging me $93.57 due to late fees and interest on top of the initial payment. Despite calling customer service immediately, I faced difficulty communicating with the representatives due to language barriers. After multiple calls, I was able to negotiate for the late fees and interest to be waived if I made a credit card payment, and I would be credited $63.16 once the original check arrived. The customer service representative advised me to stop the original check payment, incurring an additional $25 fee. Although a confirmation number was given to assure no late fees or interest would be charged, the ordeal lasted nearly 2 hours due to language issues. I seek assurance that there will be no further complications and that my account will be credited accordingly. Your prompt and clear resolution is appreciated. Thank you. -BCW

Hello, I have had a Wayfair card for several years, but I recently learned that the card is no longer being serviced. I made my last payment in March through the automated service and selected to pay the presented balance. However, on July 13th, I received a notification from Transunion stating that I was delinquent and the account was listed. This is my first late payment in over 15 years and it is affecting my ability to secure a loan to buy a small condo for retirement. I already paid the amount owed, but I am asking for the account not to be listed as past due to clear this issue. I do not have the account number or credit card as I destroyed it. Thank you for your assistance. Best regards, Glenn Davis

Dear Customer Service, I am writing to express my dissatisfaction with the service provided by Comenity bank. I recently underwent major surgery and was surprised to find out that three of my cards with a $0 balance were closed without notice. Additionally, there have been issues with auto-payments resulting in unnecessary fees being charged. I am now able to pay off my balance in full but refuse to pay these additional fees caused by errors on your part. It is distressing to hear that my family members in other states have been contacted about my credit card bills, which I consider to be harassment. I have always maintained my balances in good standing before my illness. Furthermore, the fact that my husband, who is an authorized user, was not informed of these issues while distant family members were contacted raises serious concerns. I request assistance in rectifying these issues, removing negative marks from my credit report, and improving customer service going forward. Failure to address these concerns may result in me closing my accounts and using cash for future purchases.

I purchased hearing aids from a local hearing center, which recommended a loan provider named Healthi. I applied for a two-year interest-free loan, providing my information including email, P.O. Box, physical address, and SSN. After instant approval, I was told to expect an email with payment details. However, the only email I received was a "do not reply" message for email verification. Despite numerous attempts to contact Healthi by phone and email, I have not received the necessary payment information. One phone call informed me that my account was overdue, but the communication was difficult due to language barriers. I requested the payment details via email, but was told they could only be sent by mail. As the second payment deadline approaches, and with concerns of potential interest penalties, I am seeking urgent assistance. I have noticed that Community Bank is involved in this loan and I am keen to settle my payments promptly. Please, contact me at [redacted] Thank you. Eyv.

Dear Sir/Madam, I am reaching out in response to your recent communications. I am currently facing significant financial difficulties that have prevented me from making payments on my Wayfair account. As a 65-year-old woman with disabilities living on a fixed income, my medical expenses and travel costs to see specialists have left me unable to meet my financial obligations at this time. Despite these challenges, I want to assure you that I am committed to settling my account, although it may not be possible until September or October. I am doing my best to navigate this difficult situation with honesty and integrity, and I am willing to cooperate with you to resolve this matter. Thank you for your understanding. Sincerely, G.P.

Dear Creditor, I would like to request a revision of my payment history from October [redacted]. During that month, a fraudulent charge to my bank account resulted in Chase canceling all my auto payments, including the one set up for my Bed Bath and Beyond/Comenity credit card. I was unaware of the outstanding balance on this card until notified, at which point I promptly settled the full amount. The representative I spoke to waived the late fee, restored my account to good standing, and assured me this incident would not impact my credit report. Since opening the card in [redacted], I have maintained a flawless payment record, not only with this account but also with other Comenity accounts. I kindly request that you update the credit bureau information regarding the October [redacted] payment to safeguard my credit score. Should this negative mark persist, I will have no choice but to close my account and discontinue any future relationship with your bank. Maintaining a healthy credit score is essential for my upcoming property investments. Your understanding and prompt resolution of this matter are greatly appreciated. Sincerely, A.G.