Comenity Bank Customer Service Issues

I recently sent a $70 payment through mail for my Boscovs Comenity credit card, but my bank's electronic check shows $[redacted] was withdrawn from my account on November 27, [redacted]. I contacted Boscovs' Security line on November 30th and sent secure emails with bank statements and mailed all relevant information to the address on the envelope. While they initially mentioned a 3-5 day timeframe for resolution, it's been 5 days with no response via email or phone. This error was on their end, and I am seeking advice on what steps to take next apart from involving my bank.

I received several phone calls from a restricted number, and I eventually answered. The person on the line informed me that I was behind on a payment for my Aspen dental account and requested a full payment of $[redacted].50 by 11-08-[redacted]. Initially, I didn't think much of it, but after reaching out to Aspen, I was informed that neither Aspen nor Comenity would make such calls. I want to confirm if the call I received was indeed from Comenity. Thank you.

I consistently make timely payments on my Big Lots credit card. I recently had a promotional period end with my October payment. However, I am now noticing interest charges on my bill for November and onwards, which I believe is incorrect. I had different payment terms for my mattress (6 months) and my couch and fireplace (12 months), with the latter due in October, a payment I made a day before its due date. There was no indication that I needed to pay more than the $[redacted] I paid in October to avoid interest on the mattress, which has a 6-month promotion. I kindly request the removal of the interest charges and the reinstatement of the promotion on the mattress. I strive to make timely payments, but the lack of clarity in the billing communication has put me in a difficult position as a single mother trying to manage expenses. It would be greatly appreciated if Big Lots could address this issue promptly by removing the unnecessary charges and clarifying future billing details for customers' benefit. Thank you for your attention to this matter. Best, L.B.

I'm encountering issues with setting up automatic payments for my Lexus Pursuits Visa Signature® account ending in ...[redacted]. Whenever I try to set up the auto payment, I receive an error saying that the automatic payments were canceled due to an issue with my account's status. Despite one successful automatic payment in the past, I can't seem to resolve this error. I've contacted customer service multiple times and have also spoken with the fraud department, but the problem persists. I have authorization from my sister, the account holder, to discuss and manage this account. Any assistance in resolving this issue would be greatly appreciated. If you can assist, please reach out to me at [redacted]. Thank you.

I applied for an Angel Card from Victoria's Secret, being informed that it was not a credit card and the next transaction would be paid using my debit card supplied. However, this information was incorrect. I've been attempting to log in to settle the balance and close the account, but the website claims my email is not linked to any account. I'm unsure how to proceed as I prefer not to visit Victoria's Secret in person after feeling misled.

I'm experiencing issues with my Commentiy Bank account linked to my Victoria's Secret credit card. Commentiy Bank keeps rejecting my payments, deeming my account number invalid, resulting in multiple return payment charges totaling over $[redacted]. This situation is negatively impacting my credit and Victoria's Secret account. Despite contacting them every month for the last five months, the problem remains unresolved. Even after the Victoria's Secret customer service representative attempted to clarify with my bank on a three-way call, the issue persists. My account has been in good standing until now, and I'm frustrated that the problem lingers without a resolution. I have confirmed that my bank account number is correct and have sufficient funds available. My Victoria's Secret account reflects numerous notes regarding these ongoing challenges. I am seeking assistance to address the return payment fees and rectify this situation. A review of my account history will provide insight into the matter.

I am experiencing continuous calls from Comenity Bank at all hours using fake or blocked numbers, despite me informing them that I do not owe any money. I have attempted to send a written notice via email to request them to cease calling my residence, as per legal regulations. Continuing to contact me after receiving written notice would result in financial penalties. I request that this unauthorized company ceases all communication immediately. Please refrain from contacting me further at [redacted].

Subject: Unauthorized Credit Card Application with Adorama I am reaching out regarding a credit card application with Adorama that was submitted using my personal information without my consent. I did not apply for this card and request that you do not proceed with the processing. I have made multiple attempts to contact the bank in Columbus, Ohio, including reaching out to their Customer Care and Fraud Departments. However, I have not been able to get through; either being put on hold indefinitely or getting redirected. Despite calling all Comenity Bank phone numbers, I have faced long wait times of over 20 minutes each time. Kindly provide me with a copy of the fraudulent application and ensure that it is not processed. The number indicated in the top right corner of the letter is: [redacted][redacted]4 Sincerely, D. Mask [redacted] Please text me when you plan to call.

In November, I accepted a long-term substitute position at an elementary school. I tried to connect my personal email to the school's network to stay updated. Unfortunately, this ended up causing more trouble, and I missed the payment reminder. Is it possible to waive the late fee? I am currently on break and have resolved the email problem, so I will be checking for any updates.

I kindly request Comenity Capital Bank to cease contacting my mother's number at [redacted]. I may not answer calls from an unknown number, especially if I suspect it's Comenity Bank. My current debt is $[redacted].77, and I can only manage a $[redacted] weekly payment due to fluctuating work hours. I acknowledge my debt but am struggling due to a significant reduction in income since losing my job in July [redacted]. I have since secured part-time work in November, earning only enough to cover basic expenses and the outstanding debt. I implore understanding during this financial hardship and hope for empathy from creditors faced with challenging circumstances.

I have been a long-time customer of Comenity Bank, but recently, I've encountered numerous overdrawn fees that have caused stress for my family. In today's fast-paced world where most transactions show up instantly, it's frustrating that Comenity Bank can take up to 10 days to process payments. It feels like they purposely delay pulling payments until they know there aren't enough funds in the account. This practice seems unfair and predatory towards hard-working customers. I believe in fair business practices and expect better from a company like Comenity Bank. These excessive fees impact not only my finances but also my credit score. It's disappointing to see a bank engage in such unethical behavior, and I hope they reconsider their practices to avoid further repercussions and maintain customer trust.

In July [redacted], I made a payment of $23.45 on my Commenity Account, leaving a balance of $22.00 instead of the required $27.00. Despite the payment not being late, I was charged a $27 late fee on my August statement due to the $3.55 shortfall. I contacted customer service three times to request an adjustment, but they declined. To complicate matters, the store associated with the account has now closed. Incredibly frustrated with the lack of satisfactory customer service, I received a bill from Commenity dated 1/27/[redacted] showing a new balance of $[redacted].77, significantly higher than the $22.00 owed in July. I am seeking assistance from a more capable individual who can help resolve this issue promptly. -M. Pagios

I made sure to pay my bill on the due date, December 27th. However, I wasn't aware that the payment processing could take a day. Consequently, I received a $28 late fee, even though I submitted the payment on time. I was assured that paying by 8pm on the due date would process the payment the same day. I believe the late charge should be waived since I met the payment deadline.

I have encountered a credit issue due to a delivery mishap with Torrid. After placing an order online, I promptly realized the shipping address defaulted to an old one. Despite being assured by Torrid that the address could be changed once shipped, the USPS couldn't alter it, leading to the parcel being returned to the store. Unfortunately, the package was not recovered and was most likely stolen from the old address. Torrid has been uncooperative in removing the charges, resulting in numerous disputes and late fees. To prevent a charge off, I paid the balance as per their request. However, this situation caused a significant 51-point drop in my credit score. I am now in my third dispute with the credit bureau and have kept records of all communication regarding this issue. The online order was placed on 3/17/19.

I, Barbara S., applied for a Goody's credit card on January 3, [redacted]. Comenity Bank informed me it was declined due to a credit lock with Experian, but I usually lock it myself. I would like to address this issue and reapply for the card with my excellent credit score. I want to resolve this matter but will keep my credit locked until I receive further assistance. Thank you.

I've been attempting to access Comenity Bank's website for a week to make a payment for my account ending in [redacted]. Clicking "Make a Payment" on the email doesn't connect me to the website to make the payments. Any help would be appreciated. ©[redacted] Comenity LLC This email was intended for D.H., account ending in: [redacted] EXPRESS NEXT Credit Card Accounts are issued by Comenity Bank. *Information valid as of 02/07/20. Click "Make a payment" above to view your current credit limit, available credit, or other essential account information This notification email is part of your EXPRESS NEXT Credit Card account. You will still get account servicing emails regardless of your marketing email preferences. Please refrain from replying to this email. For guaranteed delivery, add [redacted] to your safe senders list. If you can't view this email here, view it in your browser. Privacy - Security - Contact Comenity Bank PO Box [redacted] Columbus, OH 43[redacted] This site cannot be reached. The server IP address of account.comenity.net could not be found. You may try running Windows Network Diagnostics. DNS_PROBE_FINISHED_NXDOMAIN

My mother, Patricia Y., obtained a loan for hearing aids from Comenity Bank. She cleared the loan balance before the first payment was due and has been waiting for a "loan close out receipt" to submit for reimbursement from her medical Flexible Spending Account but hasn't received anything from the bank yet. As an elderly individual with limited finances, this reimbursement is crucial for her well-being. How can she obtain the receipt or proof of payment promptly?

I have multiple accounts with your company. In the past, I have always managed to resolve payment issues. However, I am currently facing some financial difficulties. I am committed to paying off my accounts and would like to arrange a plan to bring them out of collections and back to good standing. I aim to avoid having them in collections as I have previously been diligent in making on-time payments. I am looking for an affordable solution to improve my credit and willing to work on an agreement. Thank you for your assistance in this matter.

In [redacted], HSN offered me extended payments which I declined. Somehow, it went through without my knowledge. I inquired about the balance on my account as I thought I paid it in full. Subsequently, I received phone calls stating I was late. After resolving the matter, I made the payment. This incident is the only negative mark on my credit file. I respectfully request a review of my other accounts, as I always pay my bills in full and without any interest. Could you kindly update my file with the credit bureau? Thank you in advance. - R. Hawkins

On February 22, I sent a detailed request to have a delinquency removed from both mine and my wife Diane's credit reports. Not being able to reach a person via telephone, I decided to mail the request for an expedited service, costing an extra $30 to ensure next business day delivery. The delinquency has negatively affected our credit rating and is impacting our VA mortgage refinance with Veterans United. I confirmed the delivery of my mail to Comenity Bank Credit Report Department on February 24, but I haven't received any response from them. I urge Comenity Bank to address this matter promptly. Please contact me at [redacted] to discuss this issue further. Wayne Lundberg