Comenity Bank Customer Service Issues

I have talked to several representatives but have not made any progress. The main problem is that Maurices switched companies, and Comenity says they can't access the old records, while the new company says only Comenity can access them. Moreover, they claim that missed billing cycles cannot be removed because they are all grouped together after missing more than two.

I had accounts with Commenity for Maurices, Dress Barn, and Pier One. During financial difficulties, I have been cooperating with creditors to repay debts. A gentleman assisted me with my Maurices and Dress Barn cards, setting up a payment plan. This morning, I received a call from an Account Executive named Erin, who inquired vaguely about legal representation. When I denied filing for bankruptcy, she abruptly pushed for immediate payment arrangements, threatening to document a refusal to pay if not made instantly. Despite requesting to call back, she persistently interrupted me and insinuated negativity towards my situation. The interaction was unsettling as I was committed to paying my debts, similar to my agreements with Maurices and Dress Barn. I aim to address the inappropriate behavior displayed by this representative to prevent others from experiencing the same treatment.

Hello, I currently reside outside the United States. I have attempted to contact Comenity using four different phone numbers to resolve the issue but have been unsuccessful. Each time I call, I receive a message indicating that I am "not authorized" to use the number. My concern arises from the fact that Comenity Bank has forwarded my details to Portfolio Recovery Associates, a debt collection agency, regarding an overdue Eddie Bauer bill from June 19, [redacted], totaling $[redacted].54. Although I did shop at an Eddie Bauer store that day and made purchases amounting to $86.39 and $6.00, totaling $92.39, I did not spend $[redacted].54. On that day, I only opened an Eddie Bauer Adventure Rewards account without a credit card and made in-store payments for my purchases. While checking my account online, I can confirm the two purchases made on June 19 but do not see any additional transactions related to that amount. I reached out to Eddie Bauer for assistance, and they confirmed my June 19 purchases but also noticed some unusual rewards transactions in July of last year, January of this year, and April of this year. I am concerned that someone might have fraudulently opened a credit card in my name, and I would like to discuss this matter further. Since I am located abroad, I attempted to contact Comenity via Skype without success. Could anyone suggest an alternative method of communication to help resolve this issue? Best regards, Julia B.

I was informed that I could split my $[redacted] reward between two purchases by a customer service representative on 2/28/18. I thought the reward would cover my $[redacted] purchase but received a bill with late fees and charges. After multiple calls and promises from Demarcus W and subsequent representatives, the issue persisted. I was assured the problem was resolved but continued to incur fees. Conversations with Lee, Joy, and Mindy led to Catherine offering a $30 reward as a goodwill gesture and Joy crediting my account with $[redacted].54. Despite receiving the credits and promises of no further charges, I was later notified of a $[redacted] balance on 6/16/18. I have grown wary of Pottery Barn and Comenity, finding their practices deceptive. Despite numerous calls, my account issues persist. I hesitate to use the gift cards I received to avoid further complications. The lack of records and follow-through on promises is discouraging.

I am Brandie Wiest. I want to address some issues concerning the phone calls I have been receiving regarding my Lane Bryant and Torrid credit cards. Due to my high hospital bills and pregnancy complications, I am making payments as I'm able. I urge representatives not to contact [redacted], as I do not live there. The frequent calls, up to 10 times a day, feel like debt harassment, and I will report Commenity for this behavior. I prefer communication via email as I am not home during the day. Please respect my situation and only contact me through email. Thank you for understanding. Brandie Wiest

I am writing to address some concerns with accounts managed by Comenity Bank, specifically Women Within, Roamans, and K. Jordan. Previously, I have reported suspicious purchases that I did not make. Due to circumstances like moving and a divorce, these purchases were necessary. I kindly request a review of the past 6 to 8 months to ensure there are no duplicate orders or unauthorized transactions on the accounts. As I have now completed my wardrobe, the debt on the statements should be decreasing, but I am not seeing this reflected. I would appreciate it if you could investigate this matter and confirm that everything is in order. I value your attention to this issue as a loyal customer. Thank you.

I have multiple cards from your company and recently noticed a late fee on my bill. When I called customer service at (Overstock), I encountered an extremely rude representative. I inquired about the late fee and any others that might have been charged, but the response I received was disrespectful. Despite consistently making timely payments, a single bill was delayed, and the response was unwarranted. As a result, I am considering transferring all my Comenity card balances to a lower interest card unless I am refunded for this late fee and any future ones. I am disheartened by the lack of customer service and accountability shown. My intention is to handle my finances with a different company that values their customers' satisfaction.

Dear Credit Bureau Dispute Team, I am contacting you for the third time to address the inaccuracies that have been reported to the credit bureaus regarding my credit history. Despite multiple attempts to resolve this issue with Smile Generation supervisors, the incorrect information is still negatively impacting my credit score. I had dental work done at Pleasanton Ridge dental office and experienced ongoing issues with the services provided. I informed Comenity bank about these issues and requested a deferment on my payments until the matters were resolved. However, instead of cooperating, Comenity began harassing me with frequent calls and reporting me as delinquent on my payments. This led to a significant drop in my credit score due to six consecutive late payments being inaccurately reported. I urge you to rectify this situation with the credit bureaus as soon as possible by clearing all delinquencies and correcting the inaccurate reporting. The credit limit was for a one-time dental procedure and should not be treated the same as exceeding a credit card limit. I have never encountered such unprofessionalism and mishandling of a dispute before. I hope to see this resolved promptly to avoid further damage to my credit. Thank you for your attention to this matter. Sincerely, Brenda M-T

Good afternoon, my name is Vivian Butler. I tried to apply for a regular Marathon Gas Card but was directed to fill out the Marathon Visa application instead, which I completed. Unfortunately, I was not approved for the Visa, but I am still interested in obtaining the gas card. I would appreciate it if the appropriate department could review my application and provide me with an update. I am sharing my email address and would like to mention that I was assured the application wouldn't impact my credit score, although it seems it did. I appreciate any help in resolving this issue. Thank you for your assistance.

I have been experiencing annual fraudulent magazine charges on my Palais Royale account for the past three years without my authorization. In [redacted]/16, an investigation revealed that a Palais Royale employee signed me up for magazines during a store promotion without my knowledge when I opened the account. Although the initial charges were reversed and my account credited, these charges continue to occur. I requested my account, which is in good standing, to be closed on 29-Aug-[redacted] unless a permanent solution can be found to block these fraudulent charges. I want to emphasize that I am not responsible for these magazine charges and have never received any magazines as a result. It is disappointing that Commenity Bank and Palais Royale have been unable to prevent these charges for a loyal customer like myself. -R.W. [redacted] +1 [redacted] +1 [redacted]

My Express account was closed without any prior notice to me. The reason given was the requirement for a physical address. The representative mentioned that attempts were made to notify everyone, but I did not receive any calls. It seems odd that contact was made regarding payment delays, yet no attempt was initiated about this issue. This account has been active for 15 years, and its sudden closure may negatively affect my credit score. I believe I am owed an explanation and an apology. -R. Barkley

I have several accounts with your company that I value, but due to financial difficulties, I am struggling to make my September payments. I have tried to budget carefully but it seems skipping the September payment with a late fee would only worsen my situation. My request is to have all my payment due dates moved to the 20th of each month, enabling me to pay all accounts on October 20th and regain financial stability. Please consider this adjustment to help me get back on track. I have fallen behind on bills, including expenses from a previous hurricane, and I am looking for a way to manage my payments without feeling overwhelmed. I prefer communication via email to discuss the possibility of postponing the September payment. This modification would truly be a game-changer for me.

I recently received a letter from Comenity Bank regarding my Wayfair credit application. I was surprised since I believe I filled out all the necessary information. I also received an email notification about a credit check request, which made me question Wayfair's choice of using this bank. When I spoke to a Comenity representative to cancel the application due to my dissatisfaction with the process, they abruptly ended the call. Despite this, I received another letter from them two days later. I am concerned about them running a credit check without having all my information, especially my social security number. I'm worried about the impact on my credit score. When I questioned them, they couldn't provide clear answers and suggested I check with the credit bureau myself. It seems unfair for them to access my credit history without a complete application, as stated in their letter, and without my social security number.

I applied for a Victoria's Secret Angel Card in-store over a month and a half ago. The credit card never arrived in the mail. I attempted to contact Comenity Bank without success and updated my address through the automated phone service. After more than two weeks, I have not received a replacement card or the original one. I tried submitting an inquiry through their website since I cannot reach a person by phone. I'm eager to receive the card to set up online access and prevent potential fraud. This experience has soured my view of the bank, and I'm hesitant to continue doing business with them.

I am currently facing financial difficulties due to automatic deductions from my Student Loan that have drained my savings over the past year. This has made it impossible for me to keep up with my HSN Account payments for about three months. I am struggling to cover basic expenses like housing and utilities, living paycheck to paycheck with a negative balance each time. Despite an upcoming raise at my full-time job and my search for part-time work, I am still in a challenging situation. I am wondering if there are any deferment options available to help me regain financial stability.

Please refrain from calling my number asking for Debra Jones. You have been calling the wrong number repeatedly. The number you should be dialing is [redacted]. It has been my private phone number for 38 years. Debra Jones is my ex-sister-in-law for about 17 years now. You can reach her at [redacted] N. Cameron Ave, Scranton, PA [redacted]. Kindly remove my number from her account to avoid any further harassment. Thank you, Ann.

I need some clarification on an issue I've been dealing with regarding my Social Security checks. For over 15 years, I've been receiving two checks with the larger one arriving on the 3rd of the month. However, I recently learned that I will now only get one check at the end of the month. As a result, I didn't receive a check on October 3rd and will now be paid on the 4th Wednesday of each month. This change caused me to miss payments to SimplyBe, JDWilliams, and Woman Within. I informed them beforehand and planned to make up for it in October. SimplyBe and JDWilliams were understanding, but I had trouble reaching someone at Woman Within, so I left an online message. I received a call from Comenity Bank, but I don't think the representative understood my situation. It's important to me to maintain my credit integrity after my husband's passing, so I hope this can be resolved without impact. Thank you. Kathleen Geldart

I recently dealt with a situation where I received numerous calls from the team handling my OverStock account regarding missed payments. Despite requesting them not to call me due to the frequent disruptions while at work, they continued to do so. During one call, the representative failed to mention the negative impact on my credit and the hindrance to making payments online, which I typically do. Subsequently, I settled my Ashley Stewart payment only to discover my credit limit was reduced to zero. Following a conversation with Commenity Bank, I learned that this was a result of opting out of calls, and I must now draft a letter to reverse this decision. I am seeking a discussion with a supervisor as I believe critical information was omitted, leading to unfavorable consequences for both my credit score and available credit amount.

I am inquiring about my J Crew Card ending in [redacted]. I contacted Frank, a supervisor, yesterday from overseas. He assured me my account would be cleared to zero, and I would receive an email confirmation. Despite calling three times since August and facing recurring late fees, the issue remains unresolved. Being abroad for most of this year, I worry about the impact on my credit score. Please send the confirmation email promptly to my mailing address at [redacted] Alexander Loop, Unit [redacted]. Please refrain from contacting my U.S. number as I am currently overseas. Thank you, Jaleen Lee (Ms).

I recently purchased a name plate necklace from Kay Jewelers, classified as a special order. However, the item I received is not what I expected. It is very delicate and thin, making it difficult to read. When I showed it to the staff, they also struggled to make out the text. They offered an exchange for another special order, but I am hesitant to go through this process again. I am requesting a full refund, but they are refusing. While I am open to exchanging for an in-store item, I do not want to deal with another special order. I am disappointed with the customer service experience provided.