ComplaintsforComenity Bank

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Initial Complaint
07/09/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
***** Beauty Account Number **************** They have called me TODAY at 8:04 AM, 8:41 AM, 9:06 AM, 10:10 AM, 12:56 AM, 2:08 PM, 2:37 PM today to collect my debt. These are only the unblocked numbers and from Private numbers. I called a manager and the automated system didn't have my information. Comenity Bank is harassing me.
Business response
07/09/2024
We are Comenity Bank and Comenity ************* We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Customer response
07/10/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 21964056

I am rejecting this response because: I don't want them to contact me again. If they would like to mail all communication to my address, I will address it that way.

Regards,

*************************
Initial Complaint
07/03/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
This company opened a fraudulent account with my mother when I was underage and then when she refused to pay and it ruined my credit I paid it off but they are refusing to delete it from my credit. I have proof I was not even in town when the credit card was opened in ***********. I want this card removed from my credit
Business response
07/08/2024
We are Comenity Bank and Comenity ************* We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Customer response
07/08/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 21939076

I am rejecting this response because: I have tried to resolve this several times with comenity and they inf me they have no access to my account and cant remove this from my credit. They do sell to third parties, they sold my account to midland ********************** and now are telling me to call each other leading me in a circle

Regards,

******************
Initial Complaint
07/02/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
******'s ************** said they did not get my payment on time and put a $41.00 fee on account.
Business response
07/02/2024
We are Comenity Bank and Comenity ************* We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Customer response
07/10/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I accept the business's response to resolve this complaint.

Regards,

***********************
Customer response
07/11/2024
I want to thank the BBB for your quick response/help! You are doing a great service for American Justice! God Bless.
Initial Complaint
07/01/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I purchased my wifes wedding ring through ***** in *****, **. I financed through them which gave me a card through Comenity ************ (Located in ****). It was 18 months of 0% interest. One of the employees in ***** reported that the last payment would be July of 2024 before interest started up. My first payment on this ring was ******* of 2023, I paid every month on time and planned to pay it off before interest started up. I recently received in the mail that it supposedly ended June 2, 2024, and I was charged $******** in interest. For one, it was misinformation between the Zales employee of the timeline. Also, my total I purchased was $3,132.48 and its supposed to be *****% interest. Its hard to believe that I paid around $1500 over the last ************************************************* interest! I have spoke with ***** and they reported they cant do anything. I have also spoke with Comenity ************ and they said that they cant do anything about it as well. Asking for help with this situation.Also, on the mail letter it says BALANCE SUBJECT TO INTEREST RATE ******** APR *****% INTEREST CHARGE ******** Even doing those calculations it would be charged ******. Thank you for your time.
Business response
07/01/2024
We are Comenity Bank and Comenity ************* We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Customer response
07/01/2024

Better Business Bureau:

I accept the business's response to resolve this complaint. I will see what the business findings are and go from there.

Regards,

***************************
Initial Complaint
06/30/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have had this credit card account for 32 years and maintain a credit score of 800+. In 2022 (I believe in the month of October) the account was transitioned from **** of America to Comenity Capital ****. It was not a smooth transition to say the least and I had several issues with them that eventually were resolved after a long period of time. One of the major issues was with their malfunctioning website which can be very frustrating to say the least.Fast forward to 6-7-2024 I received a letter from Comenity Capital **** advising me that I had not used the card for more than 18 months and advised me that I had one of two options I needed to accept by 7-19-2024 or the account would be closed on 7-23-2024. The options were to either make a purchase with the card or switch from the *** Travel ************** Signature Credit Card to the *** Daily ************** Signature Credit Card.I thought about it for a few days and decided to switch to the *** Daily ************** Signature Credit Card. I called the phone number they provided in the letter not once but, three separate times and spoke with five different customer service representatives before the transaction was completed. Two days ago, I received the new card in the mail and I went online and activated it. I decided to use it and I went online to make a small purchase of $21.74 and it was declined. The card has a $22000.00 limit and the expiration date is 09/29.The second issue is every time I login an alert appears at the top of the screen telling me to update or confirm my address. So, I click on it and it takes me to where I should be able to perform this task. My correct address is displayed on the screen so I click on save. I get an error message that I have entered an invalid character in the space for a second address to be entered. I do not have a second address and I have not entered anything in the space.The account number is *******************. Please do not post this number online. Thank You
Business response
07/01/2024
We are Comenity Bank and Comenity ************* We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Customer response
07/01/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I accept the business's response to resolve this complaint.

Regards,

***********************
Customer response
07/10/2024
Please be advised that Comenity has not contacted me by letter or e-mail as of today (7-10-2024). I need your advice regarding what my next move should be. Thank you for your time.
Initial Complaint
06/26/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Purchases were made on a Michaels credit card with Comenity Bank around August 2023. My email associated to the Michaels account was compromised in October 2023 so I changed and updated my email with ********. I did not know ******** was not connected to ************* and did not receive a payment request. In January 2024, I noticed my credit dropped 200 points. I called immediately upon seeing the $254 balance and paid it on the spot. My account went to collections with Comenity Bank with no calls regarding the late account. I was told they did call and was told by me to never call again. I tried to dispute it but Comenity Bank will not give any information and the collections entity will not speak to me. I have no way to dispute this issue when they lied and destroyed my credit on false statements.
Business response
06/27/2024
We are Comenity Bank and Comenity ************* We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Customer response
06/28/2024
[If you do not say why you are rejecting the company's response, BBB must close your complaint.]

Complaint: 21907000

I am rejecting this response because:

I have contacted ************** and they state they will not help me. This is WHY I contacted the BBB. This entity does not care about the consumer and has been giving me the run-around for about five months. If they will not help me and don't care, and the BBB will not do anything else to assist, what else can I do?

Regards,

*****************************
Initial Complaint
06/26/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I recently paid off my charge account I had with **********************/VCTRSSEC. I fell a little behind and was able to settle my account. Part of our settlement agreement, this creditor agreement to permanently delete this account from my ********************** report. Also, they confirmed with me that they would send me a letter in writing for my records agreeing to delete this account off of my Experian, Equifax and TransUnion creditor reports. Its still reporting and I have still not received my letter from this company.Below are the account that I would like to have permanently deleted per our agreement:1. COMENITY BANK/EXPRESS - Amount Paid: $350.00 2. COMENITY BANK/VCTRSSEC - Amount Paid: $210.00 3. COMENITY BANK/EXPRESS - Amount Paid: $350.00 4. COMENITY BANK/NWYRK&CO - Amount Paid: $100.00 5. COMENITY BANK/ANNTYLR - Amount Paid: $100.00 6. COMENITY BANK/VCTRSSEC - Amount Paid: $1,590.00
Business response
06/26/2024
We are Comenity Bank and Comenity ************* We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Initial Complaint
06/26/2024
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I combined credit card debt with American 1 credit union they then sent cashier checks 2 to commenity bank 1 was cashed in the amount of $933 the 2nd cashiers check is being held on several *********** get a different reason every time I contact them the second check is for $533 from same credit union to same bank it's been almost 2 ************ getting nowhere with them PLEASE HELP ME resolve this issue.
Business response
06/26/2024
We are Comenity Bank and Comenity ************* We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Customer response
06/27/2024
d squad <************************>
Attachments
Wed, Jun 26, 3:17 PM (17 hours ago)
to Better

I was @American 1 credit union today to discuss the issue. They sent me these documents.
Initial Complaint
06/26/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am writing to express my deep disappointment with the processing of my recent payment by Comenity Bank for my Loft store credit card. On the due date, I made a payment of $1,060.00 to pay off my card. However, the payment did not post until the following day, resulting in late fees and interest charges that weren't communicated to me at all.Initially, Comenity Bank agreed to reverse $15 of the late fee, although the total late fee was $37. Subsequently, the fee was reinstated, and additional late fees were added. To avoid a late payment being reported to the credit bureaus, I have already paid an additional $42. Despite this, my current balance stands at $50.54.I have been a loyal customer for seven years, and this experience has significantly impacted my trust in Comenity Bank. I am requesting a reimbursement of the $42 I have already paid and a waiver of the remaining $50.54 balance. I also seek assurance that my account balance will be zero and that no further charges will be incurred.Given my concerns about potential future charges and my diminished trust in Comenity Bank, I would like to request the closure of my account. I appreciate your attention to this matter and look forward to a prompt resolution.Thank you.
Business response
06/26/2024
We are Comenity Bank and Comenity ************* We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Customer response
07/06/2024
Dear Better Business Bureau,

I am writing to inform you that I am satisfied with the resolution provided by Comenity Bank regarding my recent complaint. I have verified the amount and confirmed that it aligns with what was communicated to me. I have also uploaded the relevant letter and statement credits for your records.

Thank you for your assistance in this matter.

Sincerely,
Aubree' Parent-Graupner
Customer response
07/06/2024
Dear Better Business Bureau,

I am writing to inform you that I am satisfied with the resolution provided by Comenity Bank regarding my recent complaint. I have verified the amount and confirmed that it aligns with what was communicated to me. I have also uploaded the relevant letter and statement credits for your records.

Thank you for your assistance in this matter.

Sincerely,
Aubree' Parent-Graupner
Initial Complaint
06/25/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I wrote directly to the creditor by mail on 12/23/23, 2/10/23, 5/1/24 and the creditor never responded back to my dispute request. The mailing address I mailed my direct disputes to was Attn: Account Protection, ********************************. This is confirmation that I reached out.I am disputing the account due to the account is not mine and I never applied for this account. The account number is **************** and this is with Big Lots. I have already reached out to Big Lots and was advised to reach out to Comenity Bank. Per the **** the account should be blocked from reporting due to their collection department not following the law. Please review all of my information and the dispute processed.Now the creditor has sent the account to collections and this is hurting my credit worthiness and reports for something that is not mine. This is part of defamation and I am requesting $1000 for the violation of my rights.The new collection company is ***************** and the account number is **********. Please assist and have the creditor to correct my credit file and to provider validation once this has been done.I will not accept any lies from the creditor stating they never received my disputes for these were also processed via the credit reporting agencies.
Business response
06/26/2024
We are Comenity Bank and Comenity ************* We received the correspondence you sent to the Better Business Bureau and appreciate you taking the time to let us know you have concerns. Once our investigation is complete we will mail a response letter directly to you that contains our findings.
Customer response
06/26/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

Better Business Bureau:

I accept the business's response to resolve this complaint.

Regards,

*********************
Customer response
06/27/2024
Please open this complaint and please request the creditor to reply back with an explanation as to why they never corresponded back with me for the outcome is not accurate.
The account is not mine and I have supplied all documents in the previous message.

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