Comenity Bank Customer Service Issues

Today, I received my new Caesars Rewards Visa card. I contacted the number on the card to inquire about my PIN for cash advances. They informed me that I must have set up my PIN when I opened the account. I attempted to use my other PINs, but none of them worked. When I tried to get a cash advance at the casino without a PIN, it said I exceeded the PIN tries limit. Customer support said they would send me a new PIN, denying me the option to set my own. Even after the card was reportedly unlocked, I faced issues making a purchase and obtaining an advance. I spent over five hours trying to resolve this and encountered multiple dead ends. Despite providing my information repeatedly, the problem persisted. The frustration I've faced far outweighs the benefit of using the card with a high interest rate. I just want to be able to use the card for basic needs like buying motor oil for my car without all this hassle.

Hello, Regarding account ending in [redacted], I am currently deployed overseas and have received multiple emails regarding late fees and a past due status on my account, which I believe should not be the case. My payments are set up for automatic processing, and there are sufficient funds in the linked account each time. This recurring issue with Kay not accepting my payments has happened before, despite assurances that it would not reoccur. I kindly request for the late fees to be waived, and I am willing to pay the correct amount owed. It is essential for me to have this matter resolved, especially as I am unable to address it over the phone due to my current deployment. Please contact me via email as I am unable to make phone calls at this time. Thank you. -Shaye I K.

Subject: Concerns About Billing I am concerned about the calls I have been receiving regarding my bill. Approximately a year ago, there was discussion about writing off my account, however, I requested to keep it open. We agreed upon a monthly payment plan of $15 without any added fees or interest. While there was a past due amount that I couldn't catch up on, I have been consistently making payments towards the outstanding balance since. Due to health issues, including challenges with mobility, heart conditions, and an auto-immune disease, my ability to work has been greatly impacted, particularly with the challenges posed by CoVid. I am living on a fixed income, and every month I try to contribute what I can towards clearing my debts, including those on my credit cards. I notice these payments reflected in my account when I log in. I anticipate some relief with the upcoming COLA raise for social security recipients in January, which should assist with my payments. Given my health circumstances and financial struggles, I kindly ask for your understanding and patience in this matter. Thank you.

Subject: Regarding My Account I apologize for the frequent calls regarding my outstanding bill. Approximately a year ago, I reached an agreement with your company to make small monthly payments of $15 towards my overdue amount, with no interest or additional fees. Due to financial constraints exacerbated by health issues, including mobility limitations and heart problems, paying off the balance has been challenging. I am a Social Security recipient and anticipate a COLA increase in January, which should assist with payments. Despite not being able to consistently make monthly payments, I am committed to gradually settling my account. Unfortunately, my health conditions are ongoing, and I am exploring options like insurance to aid in this situation. I am doing my best to fulfill my payment agreement. Your understanding and patience during this difficult time would be greatly appreciated. Thank you. Warm regards, Linda C.

I hold a AAA Signature credit card ending in [redacted]. On November 18, I made a payment of $4,[redacted].01 which was due on November 20. Despite canceling the card before the due date, Comenity only posted the payment on December 2. As a result, I was charged a late fee and interest of $53.69. Despite contacting customer service, they were unable to waive these charges. I am puzzled as to why I am being penalized when the payment was made on time. Your prompt attention to this matter is requested as I must settle these fees within the next few days to avoid further penalties. Thank you, Joyce H.

I am frustrated with my bank, "Bread Financial." They consistently have technical issues on the day my IKEA Visa payment is due, which is incredibly inconvenient. Their service is subpar, and I am at my limit with their unprofessionalism. Furthermore, I am concerned about the security of my online account as the taskbar seems to have some issues. I refuse to rely on a robot or any dubious sources to handle my financial transactions outside business hours. If I am charged a late fee due to their incompetence, I will consider joining a class-action lawsuit against them.

During a shopping trip to a Big Lots store in Greer, SC in August, I was offered a Big Lots credit card at checkout. I applied, but recently received a notice from Comenity Bank stating I was not of legal age for approval. My birthday was on August 5th, and I am 62 years old. I'm puzzled about the age requirement for the credit card.

I have been reaching out to Customer Service for the past three months without success. I am unable to access my Comenity Mastercard and Ikea Visa online. Whenever I try to log in, I receive the message: "We Apologize - We are currently experiencing technical difficulties and are unable to access your account." I have tried the suggested options like resetting my username and password, registering for online access, and using EasyPay, but none of them have worked. It appears that my account access has been temporarily suspended due to multiple unsuccessful login attempts. I need someone from the organization to help me address these issues and find a solution. If I access EasyPay, there is no problem locating my account. Please contact me via email at [redacted] or by phone at [redacted]. Thank you.

I recently applied for a B & H Pabu credit card through Community Bank. As a verified victim of severe identity theft, both personal and professional, confirmed by the Department of Treasury, the FDIC, and the FBI, there is an ongoing security alert on my credit bureaus. I aimed to utilize my rights as a victim to apply for the BNH Pay Lu credit card, emphasizing that my circumstances should be taken into account. I believe I meet the criteria with my stable income and decent credit standing. The only concern is the accuracy of my Social Security number across all credit bureaus.

I recently sent some information. I don't have a credit card on file. I need assistance with contacting someone regarding a debt, but I require a phone number as I am unable to proceed without a card number. You have been trying to reach me on a phone that I cannot pick up. Kindly provide me with a contact number to call, or reach me at [redacted]. I am Robert A. from 57 Curley Street, Long Beach, NY. Please share a suitable number for me to contact you, or feel free to call me. Thank you.

Lately, my AAA Visa credit card bank changed without much explanation, which while inconvenient, I understand could be for valid reasons. The real trouble has been accessing my account online. Since the switch to Comenity, I've tried multiple times to no avail due to system outages. I hope these IT issues get resolved soon. If I face any payment delays due to inability to access my account, I expect reimbursement for related fees. Continual problems could lead me to seek service elsewhere. I'll also be sharing my concerns with AAA. Despite these challenges, I'm hopeful for a swift resolution. Contact me at [redacted] for further discussion. - J. R.

I need help with a fraudulent situation. Despite reporting quickly that it was a fraudulent charge, the merchandise was still sent to an address I do not recognize. The invoice is being sent to an address I never lived at. I did not apply for a credit card and the social security number provided is not mine. The billing and shipping addresses are also unfamiliar. The only correct details are my cell phone and email address, which I have since changed the password for upon receiving the initial email about the charge. I was unable to stop the shipment as I was told it was too late. The invoices in question are [redacted] and [redacted]. I need advice on how to proceed. Regards, Peter Wagner.

I am writing on behalf of my nearly 91-year-old mother, Ms. R., who recently visited the JJill store at Saddle Creek for her birthday shopping trip. She encountered challenges with her credit bill dating back to October. Despite multiple visits to the store, the issue was not resolved, as she struggled to understand the complexities of the bill due to her recent stroke and resulting dyslexia. Her inability to manage such matters independently led me to take over her finances and pay the outstanding charges online. I believe that in-store assistance for customers with special needs could be improved, as the current security protocols hindered the staff from helping my mother effectively. I kindly request a waiver of the late fees and interest charges, taking into account her condition and the multiple unsuccessful attempts to address the issue in person. The online servicing seems to be the only viable solution for us given her limitations. I hope this feedback can contribute to enhancing the support for customers facing similar challenges.

After opening 8 disputes, Mr. Joel Lopez has placed over 8 orders on our website. I have submitted all the necessary proof of purchases, shipping details, and receipt of packages related to Joel Lopez's orders. It is clear that COMENITY BANK is not involved in this matter. We are preparing to take legal action against both COMENITY BANK and Mr. Joel Lopez for their involvement in what appears to be a coordinated scam. Despite repeatedly providing evidence with each dispute, no action has been taken by your end, allowing this alleged scam to continue. Mr. Joel Lopez has received more than fifteen luxury silk clothing items from kayib.shop on behalf of the company MISS BE, totaling over $10,[redacted]. We intend to expose this organized scam involving Joel Lopez and COMENITY BANK to the media and pursue legal recourse. All evidence will be shared once again, although it seems to have been disregarded previously. Ultimately, it will be up to the justice system to address these issues decisively.

I fell behind on my Loft credit card from Comenity by two payments due to issues with receiving the statements on time and the incomplete account number required for online payment. When I reached out to Comenity at 1-[redacted], I explained the situation and offered to pay the balance if they waived the late fees. The representative I spoke to was unhelpful and unclear. Despite asking for both late fees to be removed, only one was waived without prior notice before taking my debit card details over the phone. I am hesitant to call them again and am unsure if there is an email option or a direct line to supervisor. I am hoping for Comenity to refund the remaining $41 late fee and rectify the late payment on my credit report. Otherwise, I may consider closing my card account.

On or around January 5th, [redacted], I was alerted by my credit monitoring service about a $[redacted]+ balance with COMENITYCAPITAL/PETCOM. I was surprised as I didn't recall this charge. After reaching out to the bank, they explained that in May [redacted], a $54.10 charge was made on a MasterCard account opened in my name, which I didn't recognize. Despite requesting details about the charge from COMENITYCAPITAL/PETCOM, they couldn't provide clarification. When asked for the billing address, I was given an outdated address from 16 years ago, where they claim to have sent correspondence. Although I agreed to settle the $54.10 charge, I dispute being charged an additional $[redacted] in late fees and penalties. I have diligently managed my credit history, always paying off my balances in full, and it's frustrating to have this impact my credit score due to an issue I was unaware of.

I have been receiving demands from Comenity Bank for an account apparently set up by an individual named Ady, who mistakenly or falsely used my email address. I reside in England, UK, and it is clear that this person is located in the USA. The bills being sent are not related to me in any way. I am unsure how to proceed as I do not have an email address for Comenity Bank. Making transatlantic phone calls to resolve this matter is not ideal. It's essential to note that the account is not mine. Thank you.

Good Morning, I wanted to inform you that on March 2, [redacted], my bank, Bank of America (BofA), transferred $[redacted].00 through my BillPay electronic system to Bon Ton. I would like to clarify that I do not have an account with Bon Ton. According to a BofA representative, Bon Ton received the funds and advised that I need to contact Bon Ton to request the return of the funds. However, when I reached out to Bon Ton's customer service phone number, the representative mentioned that they had not received the funds. This situation is perplexing because there is no account under my name, Elizabeth (or Beth) Tonkovich, for the funds to be deposited into. I am expecting BofA to provide evidence that the funds were indeed received by Comenity Bank Bon Ton. Could you kindly assist me in retrieving the funds back? I am prepared to provide any necessary personal information such as my Social Security Number and address. I sincerely apologize for this unusual circumstance. Thank you, Elizabeth (Beth) Tonkovich

I received a letter regarding an application I submitted at an ULTA store on Monday, March 6th, [redacted], explaining that my application was not accepted because of a Credit Score issue. I want to clarify that the application was simply for a sign-in at the cash register for a discount on a purchase I made that day. I am not interested in any services and do not plan to borrow from you. I closed my ULTA rewards card a year ago and have no intention of revisiting it. I apologize for any confusion and wish to end any further communication on this matter. Thank you. J. Kim Murray.

I noticed a charge off on my credit report from Comenity Bank/HSN. After contacting HSN, they have no record of me owing a debt. According to the Fair Credit Reporting Act, I have the right to request all documents regarding the accounts reported on my credit report. Despite multiple disputes, the credit bureaus claim the accounts are verified but have not provided any documentation to verify them. If they cannot verify these accounts, they are required to delete them under Section [redacted](a)(5)(A)(i). Publishing inaccurate and unverified items on my credit report is damaging my reputation and creditworthiness.