Comenity Bank Customer Service Issues

I purchased a nameplate necklace from Kay Jewelers, which was considered a special order. However, the item I received was not what I expected. It's very delicate and thin, making it hard to read. Even when I showed it to a store employee, they had difficulty reading it too. Although I was advised that I could only exchange it for another special order item, I'm hesitant to go through that process again. I prefer a full refund since I'm not satisfied with the quality. While I would consider exchanging it for an in-store item, I do not want to deal with another special order. The level of customer service I experienced has left me disappointed.

I bought a nameplate necklace from Kay Jewelers, and it was a special order. Unfortunately, what I received is not what I expected - it's barely readable. Even the store attendant couldn't decipher it. When I tried to return it for a refund, I was informed that special orders are non-refundable. They only offered to exchange it for another special order item, but I don't want to go through that process again. The letters were too close together, not as displayed, and the plate itself feels flimsy. I'm disappointed with the quality and the lack of refund options. I'm seeking a $[redacted] refund and want to return the necklace.

I, Laurie J. Trundy, have several accounts with Comenity Capital Bank for my credit cards. I am a loyal customer and have consistently made on-time payments on all my cards. Recently, I was informed that a report has been made to the credit bureau that has negatively impacted my credit score. I want to clarify that I am not behind on any payments or in any financial difficulties. This report is inaccurate and is causing issues for me as I dispute the lowered credit rating. Kindly remove this report and restore my credit score to reflect my responsible financial behavior. I appreciate your assistance in rectifying this matter so I can continue to improve my credit standing. Thank you for your support. Laurie J. Trundy

I have applied for Victoria's Secret and Forever21 credit accounts multiple times but keep getting denied by Comenity. Despite having three major credit cards that I use frequently without any late payments or issues, Comenity's system seems to be flawed. I currently have nine other credit accounts with only a small balance on Belk's and Capital One, while the rest are almost at a zero balance. It's frustrating that as an authorized user on a Victoria's account, I still face these issues. Comenity needs to improve their system and processes for a smoother experience.

In June, someone transferred $[redacted] from my account to another credit card without my authorization. I am extremely disappointed and will no longer do business with Toyota or this bank. At the time of the unauthorized transfer, I only owed $48, which I believed would clear my credit card before the 6-month mark. Now, due to Toyota or the bank's actions, I still owe $80, leading to negative effects on my credit score. I am struggling to reach someone to address this issue and make a payment to settle the balance. Please contact me promptly so I can pay off the remaining amount and close this account. I will be seeking legal assistance to address this unresolved matter. I did not approve this transfer, especially after I thought I had paid off the balance completely.

On September 17th, [redacted], a payment of $99.28 was deducted from my account. Unfortunately, a Comenity representative mistakenly applied my payment to another account. Despite contacting Comenity multiple times, I received conflicting information and was provided with incorrect fax numbers to submit proof of my payment. This has led to frustrating and unproductive conversations with representatives, including a visit to a Jared store for assistance. I have been given contradictory information regarding my missing payment, including claims that it cannot be located or has been returned, which is inaccurate. I am struggling to resolve this issue, and my account is now in collections. I am requesting to speak with a competent supervisor who can provide me with a valid fax number to send my proof of payment. I am eager for a prompt resolution without any further complications in this matter.

I have not received my women Within and Roaman's account statements for October and November, causing concern. Last month, I made a payment before the due date to avoid late fees. Now, without receiving the November statement, I worry about unauthorized charges as I haven't used the accounts recently. My address remains the same, and the missing statements make me fear mail interception and possible fraudulent activity. Please reach out to me via email or phone at [redacted]. Thank you.

I have not received my Women Within and Roaman's monthly statements for October and November. I was proactive and made a payment for October before the due date to avoid late fees. It is worrying that I haven't received a statement for November either. I require the statements to review for any unauthorized charges as I haven't used these accounts for a while. My contact information remains the same, and I fear my mail might have been tampered with. Kindly reach out to me by email or phone at ***-***-****. I prefer to receive the statements by mail as I do not conduct any online or phone banking. I would appreciate it if you could send me the missing statements promptly.

I am very frustrated about what happened with my store cards from Comenity Bank. I had six cards with a total credit limit of over twelve thousand dollars. Although I didn't use them much in the past two years, I do shop at these stores regularly. Carrying all 11 cards would be impractical as I already have five other bank credit cards. I mainly didn't use them because I often left them at home and also because I have an American Express card with a zero percent APR until December. I recently called Comenity to increase my credit limits before the intro APR on my Amex card ended. They raised my total credit limit from six grand to twelve grand, which was exciting as I planned to make significant purchases at these stores. However, just five days after the increase, they closed all my accounts without warning. I spoke to a supervisor who mentioned they don't typically reopen inactive accounts, though I've seen online threads suggesting otherwise. I have good credit and am considering writing a letter to address this issue as I really want these accounts reopened due to my frequent shopping at these stores. The sudden closure of these six accounts has negatively affected my credit, and I am unsure how to proceed. Please, any advice would be greatly appreciated.

To whom it may concern: I applied for credit at two accounts, BJ's Store and Forever, and was approved for credit. However, I later received notice that my account was closed due to other credit inquiries. As a loyal customer with other accounts in good standing at your bank, I am concerned about the impact on my credit history. I request that you reconsider and reopen my accounts so I can continue to shop at these stores. I seek clarification from a supervisor regarding this matter and hope for a prompt resolution. Please prioritize this issue, as maintaining a good credit score is important to me. Thank you for addressing this situation. - Miriam G. Phone: [redacted]. Email: miri********[redacted]@*****.com. Looking forward to a response to rectify this situation promptly.

I recently consolidated my credit card debt with a bank loan, but now I am facing unexpected charges due to a small balance I was unaware of on one of my cards. The bank mistakenly received a payment that should have cleared the balance, but instead, I am being penalized with late fees. I am struggling to make ends meet with the loan and four credit cards in arrears. I plan to resolve this by February, as I need the money for Christmas expenses. I hope for your understanding as I work to rectify this situation, which has been caused by a miscommunication on the part of the loan representative. I value my credit and intended to pay off all my accounts. I appreciate your patience and cooperation in this matter.

Dear Sir or Madam, I would like to bring to your attention the billing issue I am currently experiencing. Despite providing proof that I did not use the account in question, I have been unjustly billed. This has led to the improper reporting of information on my credit report, damaging my credit score. I have not resided at the address linked to the account and have not engaged in any transactions related to the purchase of earrings. The situation has been reported to the necessary authorities, including the state banking commission and the attorney general. I kindly request access to all relevant documents, such as the account application, purchase pictures, and proof of delivery, to address this matter. Additionally, I have previously reported identity theft to the authorities and will take further legal action if the situation is not rectified promptly. Thank you for your attention to this urgent matter. Sincerely, S.B.

A subpoena has been issued for all detailed credit card statements, transaction records, and payments related to any accounts under the name Clinton J. Haditsch, SSN: xxx-xx-[redacted], account number xxxx-xxxx-xxxx-[redacted]. The subpoena was received by Customer Care on 11/17/18 with documents due by 11/27/18. To date, there has been no response. Please inform us promptly of when we can anticipate receiving the requested documents. Failure to comply by 12/10/18 will result in us filing a Motion to Compel.

I have requested a new Haband credit card three times after my old one got lost, but unfortunately, I have not received a replacement card. This has made it challenging to pay my bill online as I no longer have the credit card number. Phone conversations are difficult for me due to slight hearing impairment. My details are as follows: RITA G. SNYDER, [redacted] LAUREL STREET, HAZARD, KY [redacted], Last 4 SSN: [redacted], DOB: 10/17/46. I kindly request a new Haband card to be sent to me. Thank you.

Hi, this is Barbara Katz from Delray Beach, Florida at [redacted] or [redacted]. If I don't answer, please leave a time to return your call and number. I've been dealing with this issue since October of this year. I am owed a $78.06 refund for a Heidi Daus watch that I purchased on easy pay, making monthly payments of $13.99 until I completed payment in August of [redacted]. I even made an additional $15.00 payment in September [redacted]. I spoke to your employee Robert in Florida who mentioned that my refund was available in a spendable account, but I requested the $78.06 be sent to me. Due to financial difficulties after the passing of my husband, selling my house, and moving to Florida, I need this refund. Despite speaking to multiple people at Comenity Bank, the issue persists as they claim to have applied the refund towards interest and late charges. I've explained the situation to your supervisors Charles and Violet but have not received a satisfactory resolution. Please understand my situation and issue the refund as soon as possible. Thank you for your attention to this matter.

Subject: Dispute of Charges and Late Fees for Better Homes & Gardens Magazine Subscription November 15, [redacted] Better Homes & Gardens Customer Service P. O. Box [redacted] Boone, IA 50[redacted] To Whom It May Concern, I was informed by Avenue that I could cancel my Better Homes & Gardens subscription after receiving the first (complimentary) issue. I promptly followed the cancellation process by calling the provided number in the magazine. Subsequently, I have received persistent payment demands from Comenity Bank. The latest statement suggests that my credit may have been impacted negatively due to this matter. I kindly request the reversal of all charges and the correction of any adverse effects on my credit report by December 15, [redacted], accompanied by written confirmation. If this issue remains unresolved, I will escalate my concerns to the Better Business Bureau, the NY Attorney General, and relevant governmental authorities to address what appears to be misleading practices. Sincerely, Nancy P. cc: Avenue Comenity Bank

I accessed my Haband account tonight to settle my bill by paying the full amount of $[redacted].71. With a credit limit of $1,[redacted], my available credit should be $1,[redacted].29, as reflected on my statement. However, the website displays a lower available credit of $[redacted]. Additionally, upon checking the Blair website where the Haband card can be used, I discovered an order under #[redacted] dated 12/13/18, which I did not authorize. This situation is alarming, and I suspect fraudulent activity.

I am seeking to complain about the harassment I have experienced from Comenity Bank. I have been receiving multiple threatening phone calls from different representatives of Comenity Bank regarding my Wayfair bill. Despite my voicemail to Ms. Anderson, explaining my situation of being laid off on February 15, [redacted], and my efforts to find a new job, the calls have persisted. Miss Renee's recent call was particularly unprofessional, urging me to call her back at [redacted], Ext. [redacted], and threatening to escalate the situation. I am aware of my debt to Wayfair but currently cannot make payments without a job. I intend to settle my account once I secure a permanent position. I ask that all future correspondence be in writing to safeguard my rights. It is crucial for Comenity Bank to understand that my financial situation is preventing me from paying my Wayfair bill at the moment. Thank you for your consideration. - Joelyn Crisp

In late [redacted], I used my Gordon's credit card, and my credit score saw a significant drop in [redacted]. Upon reviewing my credit report, I discovered a missed payment was reported by Comenity, which had taken over my Gordon's account without sending me a bill. After contacting Comenity, they acknowledged the billing error and removed the negative mark, resulting in my credit score improvement. Two years later in April [redacted], Comenity reappeared on my credit report as a charge-off for an account I paid off and stopped using in [redacted]. This caused a 62-point drop in my credit score. Despite disputing this with the credit bureau, I am eager for a prompt resolution from your company. My credit history has always been excellent, and I anticipate this issue to be rectified promptly.

I used my Love Loft card in September [redacted] and paid the bill on October 5th, but was charged a $28 late fee. After requesting a waiver due to it being my first late payment, I was told to pay $16 with a remaining balance of $12. However, an error in the account number caused me to miss the payment deadline and incur an additional $39 late fee on my statement. Despite my attempts to explain and pay the $12, I was charged again. I paid the $12 and decided to close my card, but I keep receiving statements with even higher late fees totaling $45 more than my initial purchase. This situation feels unjust, and I am seeking an investigation into the matter. Thank you for your assistance. Diana M.