Comenity Bank Customer Service Issues

Subject: Request for Goodwill Removal of Late Payment from Credit History To Whom It May Concern: I am reaching out to address an issue with my Comenity Bank account. Specifically, I would like to request a goodwill removal of a late payment from my credit report. My account number is 5[redacted] 5[redacted]. There were circumstances that led to the missed payment. I believed I had set up automatic payments to cover my bills, but unfortunately, I had not. A purchase I made on March 20, [redacted], amounting to $32, resulted in a partial payment of $29 on April 6, [redacted], due to my oversight. This occurred during a hectic time as I was relocating and starting a new job, causing me to neglect monitoring my account statements. I have since rectified this by setting up autopay for future payments. Upon reviewing my credit report, I discovered the negative impact on my credit score, dropping from [redacted] to [redacted], because of this delinquency. Realizing my error, I immediately settled the account, but I am concerned about how this incident may hinder my ability to secure a mortgage. I am eager to rectify this situation and maintain a positive relationship with Comenity Bank, particularly as a loyal customer of Victoria’s Secret. I respectfully ask for your consideration in removing the late payment from my credit history with all three credit bureaus. Your assistance in this matter would be greatly appreciated. Thank you for your time and understanding. Best regards, C. G.

Hello, my name is Joaquin Montijo Contreras. A few years ago, I had a Stage store card that I found out closed in Nogales, AZ before the pandemic and before the border closure. My debt with the store was around $85. Due to the closure, it was challenging for me to make payments. Today, on August 20, [redacted], I received a letter from Comenity Bank stating that my debt is now $[redacted].03. They offered me the option to pay only $[redacted].01 within a month. The letter was sent on June 11, [redacted], but I received it today. I understand that the increased amount is due to accumulating interests. The issue is that the border with Mexico is still closed, and I believe it may open in October. I am willing to settle the debt but would like the interests waived so I can also cross to the U.S. to make a deposit in a bank. Thank you for your assistance. Joaquin Montijo Contreras, Bacatete Street 34, Colinas del Yaqui, Nogales Sonora, Mexico, [redacted].

I got a Carter's Credit card at the Largo, MD store two months ago. Unfortunately, I never received the physical card in the mail, so I don't know the credit card number to make payments online. I sent a check for the full amount of the bill five days before it was due, but I received a second bill with a late fee. I am hoping to have the late charge waived. Additionally, I need to receive my physical credit card so I can start using it. Thank you.

To Whom It May Concern at Comenity Bank, I am disputing a $2,[redacted] accrued interest charge on my credit account, ending in [redacted], which was applied on July 20, [redacted]. Despite paying off the balance on August 3, [redacted], Comenity Bank processed the payment after the due date. I am detailing my interactions with your bank, requesting a review of the start date due to Covid-related supply chain delays. When contacting Comenity Bank's customer service, I encountered difficulties obtaining up-to-date information regarding my billing. The supervisor, Rose Mary, was unhelpful and refused to provide a name for a formal complaint. The charge is erroneous as I began receiving furniture from Arhaus on March 24, [redacted], and have experienced delays due to the pandemic. I suggest the zero-interest period should commence from the first delivery date on March 24, [redacted], to allow for flexibility in payment. I kindly ask for a correction of the error, a credit for any associated charges, and an accurate statement reflecting these changes. Sincerely, Mike and Debbie Hazelton CC: Arhaus at 51 E Hines Hill Rd, Boston Heights, Ohio [redacted], United States

I recently agreed to make payments to reduce my debt and committed to not using the card for a while. I've been making payments on time using my child support card, as it's the only method I can use. Unfortunately, my son's father didn't make his payment this month, and I'm taking action by contacting the courts. Additionally, I was in a car accident where I broke my heel and can't drive until I heal, which will take a few more weeks. Right now, I'm depending on my parents for everything. Given the circumstances, I need more time to make my payment, possibly via a check from my Dad's account. He's currently dealing with testing positive for COVID-19, as is my 15-year-old son. My 16-year-old daughter and I tested negative. I appreciate your understanding and request for an extension. Thank you.

I recently bought a sliding door at Lowe's using my Lowe's card. While looking through my messages, I received a survey invitation supposedly from Lowe's, offering me a free gift for $5.95 shipping. I tried to pay with my card, but it got declined despite having enough funds. After going through my invoice, I noticed unexpected charges from both NY and CA. I contacted BJ's, the issuer of my Mastercard, and then Lowe's, only to discover it was a scam. The total unauthorized charges amount to $[redacted].88, a significant sum for me as a retired widow. I hope you can assist me in resolving this issue and obtaining a refund. I purchased a watch that counts steps but received additional unwanted items. The scam seems to have charged me for every time I scrolled the page. My contact number is [redacted]. Thank you for your prompt assistance, as I eagerly await your reply.

I thought I had a FICO score of [redacted], but Victoria's Secret said it was [redacted] when I applied for their card. I recently checked all three of my credit reports, and this discrepancy is frustrating because it's been challenging to improve my score to qualify for this card. I meet all the requirements and have been working diligently on my credit. I hope they can consider my application for approval.

I made a purchase from Blair on September 2, [redacted], which I later returned. Despite not receiving a bill in October to settle the remaining amount, I was informed of a late fee due to non-payment. After contacting customer service, a representative waived the late fee, stating I only owed $9.99 for shipping. I promptly sent a check for this amount on October 6, [redacted]. Subsequently, I was told by David that I owed $76, which was confusing. Another representative clarified that I owed $39.99, with a minimum payment of $35. I paid $35 online as advised, but David insisted I still owed $39.99 due to not receiving full credit for the initial purchase. He mentioned the $9.99 shipping charge due to not collecting the check sent to the Texas P.O. Box. I would appreciate a resolution to this matter soon. Best, Carol W. [redacted] Carrell Rd, Apt [redacted] Fort Myers, FL [redacted]

1. Poor customer service experience encountered with Comenity Direct. 2. Recently opened a savings account, deposited funds, and set up external accounts. 3. Initially everything was in order, but received a letter requesting additional documentation for my account, which was not promptly communicated. I was given a short time frame to respond due to delayed mail delivery. It would be beneficial for the bank to email customers first regarding new requirements before sending official letters, providing ample time for preparation. The email should only contain relevant information without disclosing personal details. 4. As a result of the documentation issue, my account was restricted, and all external bank accounts were removed, freezing my funds for an extended period. 5. While online banking security is crucial for customer protection, Comenity Direct lacks efficient procedures and satisfactory customer service. 6. I advise against opening an account with Comenity Direct due to my negative experience.

Hello, I purchased a wedding dress from David's Bridal online with order number [redacted]6 that was shipped on 05/10/[redacted]. The dress arrived around May 15, [redacted] or later, and I returned it on 05/20/21 at the Glen Burnie, MD location. I am still awaiting a refund despite being assured multiple times by customer service within 90 days. Despite my efforts to resolve this with the company, they have not taken the necessary steps to issue the refund as promised. Due to this issue, I plan to send a formal complaint to the corporate office and request a credit of $[redacted].00 to my account. I am disappointed with the level of service I have experienced and am considering closing my account despite the potential impact on my credit. Thank you. Regards, M.S.

I have received repeated contact from your team regarding my Lane Bryant bill totaling 58.45. Unfortunately, on October 9, [redacted], I sustained a serious injury and have not yet fully recovered. It took me some time to gather the funds, but I finally obtained a money order for 60.00. Regrettably, I mistakenly addressed the envelope, causing it to be returned to me. I resubmitted the payment last week; however, my balance has now escalated to over [redacted].00 due to this delay. As a disabled individual currently living on a monthly income of [redacted].00, I am struggling financially. My credit score, which was once in the high 700s, has plummeted to the 500s due to this outstanding balance, despite always ensuring prompt and full bill payments. I never anticipated being in this situation and am now burdened with the task of raising funds to settle this debt. I am disheartened by the impact this has had on me, and I am regretful of ever opening a Lane Bryant card account. I initially thought it would offer me flexibility in payments, but unforeseen circumstances have led me to this predicament. I kindly request that you address the 60.00 money order I recently resent with the same level of urgency displayed in your previous communications. I appreciate your attention to this matter. Sincerely, D. Gilchrist.

I authorized a $7 payment from my linked account, but it was missed twice, resulting in $25 in overdraft fees. There is enough doubled in my other Commenity account to cover these charges. I'm disappointed with the missed payments and expect them to be deducted promptly. The initial terms stated that any missed payments would void the contract, so please address this promptly to avoid further action. - Christine M.

Hello, I am Reginald Brigman. I recently noticed a hard inquiry on my credit report from Master Card, dated 12-25-21, which was declined. Despite the website stating that checking for preapproval wouldn't impact my credit score, this inquiry did indeed show up. I am currently in the process of obtaining funds for home improvements, and I need a Letter of Declination from Comenity Bank stating I have no new debt obligations with them. I spoke with Representative Julie, who was very helpful. I kindly request that a letter be sent to my email address confirming that I do not have an account with Comenity Bank. Thank you for your quick assistance.

Hello, I'm Zalla Zazi. A few months ago, I got an Ulta credit card and was assured by an employee that there would be no late fees if I couldn't make a payment. I paid $[redacted] but never received the card or any statements, so I was unaware of accumulating late fees. I recently found out about a $18 payment on my account that I didn't make, likely due to not receiving my card. Now, I'm facing a $[redacted] balance because of these late fees, but I can manage the original $[redacted] payment. I'm struggling financially and seeking assistance with these unexpected fees from Ulta. Any help resolving this issue would be greatly appreciated. Thank you.

I cleared my balance of over $2,[redacted] on February 9th and requested the account be closed. However, in the following month, I received a bill from Commenity for $40. After contacting customer support, I was informed my balance was $0 and to disregard the notice. Yet in April, I received another bill for $75, even though my account was closed. During my conversations with three representatives, I received different explanations for the charges. They claimed I made a payment on February 9th, but due to the payment method, late fees accrued. Despite expressing my frustration, the representatives insisted I pay. I have been a loyal customer and find these fees unreasonable. The lack of consistency in the explanations provided leaves me dissatisfied. I have not paid the bill, hoping these fees can be waived as per the assurance given by a previous representative indicating a $0 balance. I am eager to continue using your credit card in the future as a faithful customer.

I believed I settled my Woman Within account completely three months ago as I always pay my bills in full. Despite this, I keep receiving bills stating that the balance is unpaid. It seems I may have unintentionally paid $68 twice. Last month, I was assured by a representative that my account was clear, and I requested my card to be canceled. Unfortunately, contacting your customer service is challenging, and the language barrier makes it hard for me to understand as I am 90 years old with hearing difficulties. I was informed that the interest would be waived, and everything was resolved. I kindly request your prompt attention to this matter.

Hello, I am writing to inform you that I received a letter today, May 31, [redacted], notifying me that my account was closed due to inactivity and changes in my credit score. I found it strange. The reason for my inactivity was that I was diagnosed with Leukemia shortly after receiving my charge card from Roman's Credit. I had made purchases from Roman's and other stores affiliated with them. However, now I am considering discontinuing my relationship with them. I feel the urge to prioritize paying for my medical bills. The letter I received did not sit well with me. You can find my previous address at [redacted] Fair Oaks Drive, Corpus Christi, Texas [redacted]. I would appreciate it if you could pull a comprehensive credit report for me. Please note that I have bought and sold multiple properties. Despite this setback, I shop primarily at Dillard's and online. Thank you and goodbye.

On April 25, [redacted], a $[redacted] payment was made to Sephora using Netspend. On the same day, a receipt indicating a 2-day processing time was received. A confirmation email was received on April 27, [redacted], stating the $[redacted] payment had been processed and credited. However, on May 4, [redacted], I was informed the payment was returned due to a supposed frozen account, which is false. I did not receive the $[redacted] and Sephora has since canceled my account. Despite the receipt confirming the payment processing, the money was not received, leading to unwarranted consequences for my credit score. I am seeking clarification on the whereabouts of the funds and refute the account freezing claim as untrue.

Good afternoon, a while back, I signed up for a Victoria's Secret credit card thinking it was just a discount card. Unfortunately, I missed a payment due to this misunderstanding. I'm only 21 and trying to be responsible with my finances. I earnestly apologize for the error and kindly request your assistance in removing this one late payment from my account. I truly strive to make timely payments, and I'm reaching out to ask for your understanding. Your goodwill gesture in removing this late fee would be greatly appreciated and a huge relief for me.

I visited the Sephora store in Lake Grove, NY on June 24, [redacted], and made a purchase totaling $[redacted].09. The store clerk mentioned I could save $[redacted] if I opened a Sephora credit card. Although I tried to open one at the store, it was not immediately approved, which surprised me given my high credit scores. I ended up using my American Express card but was assured by the manager that I could return with my Sephora card to adjust the payment. Attempting to follow up with the bank, I received an unhelpful message stating the system was undergoing changes. Frustrated by the lack of clarity on when to follow up, I attempted to contact them again on Friday, July 1st without success. I simply want to know if I was approved for the Sephora card and when to expect it. As someone who pays credit card balances in full and on time, I find this situation very irritating. I hope for a prompt and satisfactory response to my inquiry.