# embeddings_queue

created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0187dad3fcd43b6ad1b3fe7aaa4c4d6
encoding: FLOAT32
metadata:
{"chroma:document": "Just a heads up. Comenity Bank who approves stores such as Victoria Secret, Express clothing credit cards. This is the worst Bank, I got approved for a certain amount. They lower the amounts of my cards because my credit score went down. I paid all my monthly payments on time and not once missed a payment and they cut my approval limit to more than half. I have my Victoria Secret credit card for more than 3 years. Not once I missed a payment. They never increased my limit. In fact they decreased my limit since my credit score went down. Also I don't even use my credit card as much. Not even 50% of the balance. This is the worst bank approval I heard of."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d75acf13166648bbb86b9520ebb07424
encoding: FLOAT32
metadata:
{"chroma:document": "When my Gardner White furniture store card was converted into Comenity MasterCard with the same credit limit, it looked like a good idea. However, after recent 'upgrade', it has become a complete shambles. Rewards program has not worked for at least 3 months (1.5% cash back is not being honored), my credit limit was reduced by 50% with no prior notice despite excellent payment history (imagine when it happens while traveling overseas!!!). Website did not work for several weeks in June and July making it impossible to check balance, available credit etc. while traveling. No app is available. People in charge of customer service seem to be completely incompetent. I closed the account and advise everybody against considering this product. Terrible way to treat the customers!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8579e759049c4c878da37143b528e4bc
encoding: FLOAT32
metadata:
{"chroma:document": "Even though this bank \"Comenity Bank\" which under rights the credit card accounts for Floor Decor, is a subsidiary of Alliance Data which is rebranded under Bread Financial, it is performing financial fraud with customers nationwide. My experiences were related to their faulty website practices of not showing you any information when you payoff your account balance online. I waited 48 hours and no confirmation, then when I attempted to redo the payment online, suddenly I received a verification. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 469fdd3556164f34ae23694a8038490e
encoding: FLOAT32
metadata:
{"chroma:document": "Save yourself a lot of grief and do not get the BJ\u2019s card from Comenity. They refuse to take payment through automatic payments. Then they charge you for interest and fees! I kid you not. They are criminals in my opinion."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d17c67825d84da096da7487f52587e1
encoding: FLOAT32
metadata:
{"chroma:document": "I've only had this Comenity card a few months, thought it was a good card but now I know better. Was never able to get my cash back, was told it would take 45 days whereas other cards instantly apply your reward, so in order to not get a late fee I just paid the cash back balance. Customer service was horrible, had these people who don't speak well and they were very rude. I made many calls but to no avail. And they had told me I had to change my password by June 27 but when the time came, their system was down for a month. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f0b23b672d7c44a3afd3671a90a170bf
encoding: FLOAT32
metadata:
{"chroma:document": "I called them to verify how much to pay my card off in full and how long that amount was good for. I was given a figure and a date. I paid the amount off in full before the date given and then received a bill for $169.16 which was a membership fee of 110.00 and 59.16 in residual interest LOL which I called and made sure that the balance I was paying in full included everything and was given a pay off and a date to pay by for that payoff, which I paid, anyway I called and spoke to 3 different people today. Two considered supervisors. Another LOL. No one will remove the interest which never should have been charged in the first place. This bank must be really hard up for money so I am closing my accounts with this bank and will never do business with them again in any form. If I get a credit card from them I will not keep it. They are horrible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ff14872f48934426ba91734aa631dac3
encoding: FLOAT32
metadata:
{"chroma:document": "When a few brands we have credit cards with moved to Comenity, big problems began. They included the NFL and BJs. Constant, prolonged system outages blamed on update problems, keep us from being to monitor usage and even delays payments over and over despite a lot of work trying to pay. With all that system problems, which have lasted for months, their customer support staff is overwhelmed and is very difficult to reach."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4f825ff5da504f6785c9ce760deb7aaf
encoding: FLOAT32
metadata:
{"chroma:document": "This bank has messed up my credit card account every month for the past 4 months. I will list the issues: First this joint account was switched to Comenity when BJs switched to Comenity Bank. Comenity does not have Joint accounts so they made my wife account holder and me an authorized user. Every time I call customer service to get them to fix problems with the account they refuse to speak to me. We have to wait until my wife has a day off at which time she tells them to speak to me. Our account has always been set up to auto pay at Comenity to draft the statement balance from our checking account on the due date. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 568e42f2d7c54b7dba5cdcbe023e3a8c
encoding: FLOAT32
metadata:
{"chroma:document": "I own a couple wedding rings with Helzberg through Comenity and paying off a 6 month promotional plan has been a nightmare. Don\u2019t bother getting anywhere with the first representatives that pick up the phone, and when the system is working - hopefully the 2nd tier/senior representatives do the job correctly. Think twice about opening a credit line if you see Comenity attached to the brand."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4ae635eb1b884afaab7b950c17012e3b
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity is a subsidiary of Alliance Data and they have rebranded to Bread Financial, the company have taken my card's auto-payment off without my authorization and did not gave me any notification of payment due. They then charged me hundreds of dollars in late fee! I tried to work with customer service but none can revert my fees back. This is the most despicable business practice and I am sure they have done this to MILLIONS of users resulted in BILLIONS in these unscrupulous charges. Unlike those rich ** Executives, I made $11/hr. SO these late fees are an incredible stress on my finance. THEY OBVIOUSLY DON'T CARE ABOUT MY SITUATION."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b5b38978bcea46e29ecafb767ad627f9
encoding: FLOAT32
metadata:
{"chroma:document": "After looking through my bill I realized that I am being charged finance charges on my credit card bill twice at the end of the month. After finally reaching Comenity Bank and asked why I was being charged dual finance charges at month's end billing. I was told because they took over the PlayStation card from Capital One in November and I had a $200 balance and I was paying a finance charge on the $200 purchases I had with capital one and the new purchases I made with the card since they took over was a separate finance charge. WOW!!! Closing account ASAP!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 79259b0ea4b94e848637f7fb18d9d413
encoding: FLOAT32
metadata:
{"chroma:document": "I have been trying to talk to bank for over a week with no luck. Have tried email on the back of card and it told me it didn\u2019t exist. Have tried other social media sites with no luck either. Have other accounts with Comenity but haven\u2019t had any problems that I needed to call bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e1805f6814444171ae6ffa03b7264b2b
encoding: FLOAT32
metadata:
{"chroma:document": "I had opened a card with Comenity with promotional offer. I paid balance in full, but because it was on the weekend they decided to charge late fee. I called and closed account and told them to discharge the late fee because I paid balance in full on time and it's not my fault that your system is not registering payments on weekend. Now they are reporting me to all credit agencies that I have a balance of 138 and have late payments and my score dropped from 800 to 600. Nobody responds to emails and nobody picks up the phone at 800 number."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bebc04222c84471c884b58e93dfbd86b
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a credit card with Express for the last decade + I have never had an issue until the last month. I have been attempting to get in touch with a human regarding paying my bill. It seems nearly impossible. It takes a minimum of 30 minutes to get anyone to answer the phone. When they do, they are the worst customer service people to ever have been on the other end of a phone. I've gotten hung up on several times. Reverted into queues with astronomical wait times, and just been spoken to beyond rudely. Where in the world are these people located?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6e6256e916bf44209ceda6f8efd30827
encoding: FLOAT32
metadata:
{"chroma:document": "I have had this credit card for about 15 years and haven\u2019t had a problem until recently. Their website has been broken for about a month without a way to pay your bill until recently. I\u2019ve tried calling customer service numerous times and have been disconnected every time. I\u2019ve sent secure messages and haven\u2019t received notice within the 48 hours they claim. I\u2019ve finally managed to pay my bill but it hasn\u2019t been withdrawn from my checking account. Never again will I sign up with this bank now connected to bread. Terminating this credit card \u2014 if I can ever get a hold of someone to do so! Run fast from this company!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fee63ea8b65342879d37cd9c9766c771
encoding: FLOAT32
metadata:
{"chroma:document": "When I purchased items from Burks outlet, they asked me if I would like a savings card, I agreed thinking it was similar to a Food Lion card, had no clue it was a credit card. She typed in my information and told me my limit was $250 then it hit me that she meant credit card, insert eye roll. I used the card and paid off within 6 months. Paid a total of $324 in March on the website. Paid the card off and closed the account. This is July. I received 2 phone calls from them in one day last week, both times I answered they hung up immediately. The next day they called again and told me I had a balance of $51. I told them it was paid off in March and to please let me speak with a supervisor. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f44100c822354c83a14999aa05e1e381
encoding: FLOAT32
metadata:
{"chroma:document": "Shopping at Loft, I agreed to open a loft all rewards MasterCard. I put a purchase and change on it. I lost the digital receipt and over four weeks later I still have not received a statement or a card. I have been calling Loft and Comenity\u2019s various numbers, only to be told that the system is down or it transfers me for customer service only to find out its bots selling life alerts and DIRECTVs. Seems like a scam and something is going on. I am so angry that Loft is allowing this Bank to do their business. My bill is due in a week and I can\u2019t even pay it unless I give my bank information to one of these numbers. I\u2019m not comfortable doing that and would rather be able to wait until I can pay by phone on the app. That way I have a picture and record. Loft is no help either."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7a44b8d1e5bf47b48b869ac2a0f01dcc
encoding: FLOAT32
metadata:
{"chroma:document": "I made purchases through a vendor that offer credit incentive through Comenity Bank, now called Bread Financial. I have made several attempts to pay off my loan and somehow they can't process it. They told me they can only accept payments under $10k and if I want to pay anything larger than $10k, they will need to make a few payments. This is fine but after passing me to a supervisor/manager, he was able to help with processing, mind you this is the third time that I try to pay off (the first two was unsuccessful, somehow my authorization went through thin air). After he had enter all information, I waited for a week to make sure it gone through, and of course it did not. I tried to call back a few times and their phone system said they are having issue with accessing all accounts. I just found out that they had reported me to the credit bureau for not paying my loan. This bank is disorganize. Their customer service folks do try to help but they are lack of bank knowledge. I am very disappointed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81871bf9c2bb43a5ac718be67c71289b
encoding: FLOAT32
metadata:
{"chroma:document": "Since the planned update recently that took longer than expected, we could not make payments over the phone or online. Finally we went to several retail stores whom credit was through Comenity and made payments or paid off the accounts. Payments were lost in transactions and now that their phone system is working they are telling me that they can see the payments and are working on it but I need to pay late fees due to their issues and it is being reported to the credit union.  Most of the stores we went to didn't even know that their credit company was having issues. Sounds like a class action lawsuit in the near future."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 736817e356ef41da9ad0410e61fe9382
encoding: FLOAT32
metadata:
{"chroma:document": "This company a few months ago purchased NFL Rewards Card from Barclays whom were an absolutely awesome company for over 13 yrs I had account with them. Ever since this company has taken over, every single month it has been a disaster. At first they locked me out of my account when I actually had a negative balance (They owed me money). I had to prove to them who I was with copies of Id, SS card and even a utility bill to then wait another four weeks for them to unlock my account. They claimed security issues flagged my account..?? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c9f71d56adad46329f2800b2572f49c1
encoding: FLOAT32
metadata:
{"chroma:document": "I have been dealing with a payment I made back in February, noting they are not receiving my payment now for 4 months. We have issued now 3 separate checks to them, I receive an email they received it and then another letter in the mail noting my account is on hold. Never in my life have I had such a run around by a company that clearly is not running correctly. Can't get to a manager, have sent now 2 times all of the documents they have requested and call every single week to go thru the same circle with them. I would never ever recommend anyone using this bank and the sad part, I will never shop at Carter's ever again because of the bank they are using."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 728e72d95d6b496fa14e0fa07c0c5d3a
encoding: FLOAT32
metadata:
{"chroma:document": "I along with all of their other cardholders have been inconvenienced tremendously. They claim they had a planned system upgrade. If that was the case, customers should have been notified of this planned upgrade. I like most of those people have been trying to access the online portal to make payments, view transactions and any other account options. As of this post I have been unable to log into my online account center to view transactions for 11 days! They have a copy and paste response on Facebook about the \"planned\" upgrade saying to keep bearing with them. It is unfortunate that is the way this company is handling themselves. They plan to waive late charges for customers who missed payments on the 27th and 28th, but unfortunately for the other people they are out of luck. Hopefully this issue isn't reported to credit bureaus for those people. I paid my bill in full to avoid this. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e62772e76ecd467598864cde1b8607c6
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a Sephora credit card and was immediately approved. I was able to make a small purchase with a digital temp card but the card was physically sent in the mail. Less than a week later I got an email saying my card arrived in the mail but it never did so I called Comenity Bank's customer service and they said they sent me another one. A week goes by, I receive nothing in the mail so I call again and they say they are going to send it again. At this time, It's been a month since I was approved for the card so I have received my first statement and a payment is due in 20 days. I am unable to make a payment without the physical copy of the card so this will affect my credit score if I never receive the card (for the 3rd time, let's pray it actually comes).."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4bb29defbabc455baa3971e7ccde8940
encoding: FLOAT32
metadata:
{"chroma:document": "On a monthly basis, they will send a denial letter (Even though you never applied for credit with them). Those causing one's credit score to plummet. Contact them about it, they refuse to do anything. So, anyone is looking to look for credit cards (I'm not; however, if I was, I would not deal with Comenity Bank even if my life depended on it). Stay clear of them. Comenity Bank is nothing but a scam and they will do everything they can to ruin your name even if you don't have an account with them!!!! If all possible, stay clear of Comenity Bank and never allow yourself to be scammed by them because they will ruin your credit even if you don't have credit with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb391b71ac464dd5a381650a28642795
encoding: FLOAT32
metadata:
{"chroma:document": "Whenever I received their paper billing statement I went to my online banking and sent payment in full. 3x in a row I had late fees added. It wasn't until I realized that they claimed to mail the bill on the 1st I wouldn't get it until the 13. I guess my bank would mail a bill to them and by the time they entered it in it would be late. I've been on the phone trying to contact someone while writing this and 2x I was a hold and drop. I hate these smug cheap money grubbers."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0f5016fc4ddb4713998a798250321ae4
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a Sally\u2019s Credit Card and was approved. I purchased a few times and kept up with my payments. Bought a new blow dryer and curling iron. Quite pricey but great products. Miss my payment date TWICE, Due to Covid, but made my payments and got $40 added for late fees each time. They decided to lower my balance which dropped my credit score. I paid the balance off and did not use the card for 2 months due to still trying to get caught up due to having Covid for almost a month. They didn\u2019t care and decided to close my account due to no activity. Which really hurt my credit. They will ruin you and your credit before they will help your credit. Do not get a Comenity Account anywhere."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3113a5c18e5340f0a9bcc565a3a21b44
encoding: FLOAT32
metadata:
{"chroma:document": "Worst credit card ever. Wouldn\u2019t recommend. They have lots of technical issues on there and involving the online payment system and then you are the one that gets in trouble for it resulting in your card been frozen for weeks on end. If you try to talk to anyone you will receive the worst customer service of your life. The last time I tried to call and have an issue worked out the woman straight up hung up on me. They will not give you any help at all and they blame you for all of the technical issues."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4b2b0764da8e456eb92a7c50bc41913b
encoding: FLOAT32
metadata:
{"chroma:document": "I have had nothing but trouble getting help on a situation with my account. Comenity bank says it's Ulta's problem. Even trying to get through to a human being is next to impossible and when you do, the person disconnects within seconds of saying their name. Every single time. The only way I could find to communicate with someone is through the online customer service. They say, \"We've sent the info to a higher department,\" and to wait for 24 hours for a response. This is twice now I've been told that and I've heard nothing. This isn't the only time either, I felt completely helpless when my card was being scammed a while back. I'm canceling my Ulta card and going to Sephora. Good riddance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3b397609cde948fb9fb3a15c0c54fd56
encoding: FLOAT32
metadata:
{"chroma:document": "I do not recommend this company Mastercard. I did not receive one billing statement and was told after I payed my account in full satisfaction. I could not use my credit card for thirty days due to one missed payment. I never missed a payment and always paid my balance in full payment. I was a loyal customer, I could not believe I was being treated like I stole something. I canceled this credit card and will not do business with this company again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 42a011ffb7794626945b95d3e4c21a2d
encoding: FLOAT32
metadata:
{"chroma:document": "Harasses you if your payment is even a few days late (not even 15 or 30) and will lower your available credit if your credit score fluctuates, further lowering your credit score. DO NOT TAKE THIS CARD. IT'S NOT WORTH IT and can do more harm than good to your credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d6004df42e747c68cf254802d3a053e
encoding: FLOAT32
metadata:
{"chroma:document": "I have had my Victoria secret by Comenity bank credit card since 2015 and never had an increase since I opened it. I have had on time payments, increases salary and even spoke to a representative. I was told sometimes the customers put the card on hold for no increase. About a year or two ago I was told they would take the hold off since I did not request to put it on hold but still no changes. In store workers told me they had increased the same year several times since they open their accounts, yet mine stays the same. It\u2019s not worth keeping if it doesn\u2019t increase from $200."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 811125171b3842a9875c7dc2be88b090
encoding: FLOAT32
metadata:
{"chroma:document": "I had a MasterCard with this company for numerous years. I went to make a purchase shortly after paying off my balance. As a matter of fact I overpaid. I went to make a purchase and I had to answer some questions by customer support to verify it was me. They called me on my phone that is on file. I was in a store and had to ask them to report several times. Apparently I failed to give a correct answer. So they went and closed my account and red flagged my credit report. Instead of contacting me or letting me verify another way they just closed my account. STAY AWAY FROM THIS BANK, THEY DO NOT CARE ABOUT CUSTOMER BASE."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 314a738b8d3d498196bb2f7bf961083f
encoding: FLOAT32
metadata:
{"chroma:document": "I've been collecting SUBs, trading in perks, and otherwise sampling a lot of cards these past few years. I'm doing it from budgeted perspective. Some people are also looking for a bank that pays competitive interest on deposit products which Comenity does relatively speaking. It'd be great if Comenity offered good interest rates and great card but the bank offers a base level MC featuring run of the cashback statement credits and a sucky welcome bonus. A moderately high bar to clear for acceptance. The user reviews I'm reading say nothing better or nothing worse than the other lower budget cards in the credit card universe. This is a weak card with little enticement."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 429f22283b7b49bbbd76acae1d1ebed5
encoding: FLOAT32
metadata:
{"chroma:document": "Do not open the Comenity\u00ae Mastercard\u00ae Credit Card! They will screw you over and over. Getting help from anyone that understands you is even more frustrating! I had my credit union cut them a check for the total balance and Comenity did not process the check in a timely manner, thus resulting in another finance charge. My credit union had to reach out again for an overnight address, claiming they never received the check (a month later and with the address confirmed by my credit union) and even after paying the balance in full, I receive another finance charge for the zero balance. Comentiy was not willing to reverse the fees and I'm still living this nightmare even with the card closed and paid in full. Save yourself the headache. It's not worth the reward."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46a77ef08a97479fae15bdfe0a3d205a
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a Comenity Pottery Barn credit card August 2020. The card had a $4135.86 credit on the account when Pottery Barn switched to Capital One. However the credit was not transferred to Capital One nor refunded to me before the account was moved. In addition 6 months of statements with carryover credit are no longer accessible online to view. Capital One said it\u2019s not their problem, Comenity representatives disconnect me and there is no online access to the original account. I will be sending my complaint to the BBB, state attorney general and consumer protection agency for resolution and recovery of monies owed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f55f91e01abc4ea3a6ca48c37f9b1a95
encoding: FLOAT32
metadata:
{"chroma:document": "I had trouble logging onto the website and in January received a late fee. I thought my due date was on the 15th but was actually on the 13th so in February I paid it off on the 15th. Then received a late fee three days after I paid it off and have been charged two months of late fees. I called and spoke to someone who was not willing to help me and rude. I will definitely be closing out this credit card!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0419acc20e43407ab4c581ed00e2a91d
encoding: FLOAT32
metadata:
{"chroma:document": "I was unable to pay Comenity for 2 months because I couldn't access the website. I even tried their quick pay where you just put in your card number, zip code, and last 4 digits of your social. It told me that the card didn't exist. I finally called today and had a hell of a time getting to speak to someone. Finally a customer service individual helped me get a new password set. I was able to log on, make a payment, and move on with my day. I tried signing in again, it said it failed. I did both the website login and the easy one where you put your card. Guess we are back where we started. Same damn day and it doesn't work again. Do they do this on purpose to rack up late fees?? I am going to cancel my card. This is ridiculous."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 49ba5c03871841ae925aaa9c15ca0dce
encoding: FLOAT32
metadata:
{"chroma:document": "Purchase furniture with zero interest if paid off within the promo months. They don't tell you there is a finance charge every month depending on loan amount. It would have been cheaper paying the interest. Comenity Bank is a rip-off."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 254cd538ec064f87af6fddaa01af5e5e
encoding: FLOAT32
metadata:
{"chroma:document": "This card is horrible. I paid my bill the day after the due date and they have been charging my card a 40 dollar late fee for the past few months even after I cancelled the card. It's already on my credit report stating that I didn't pay this stupid late fee. Even if you don't use this card they expect you to pay 20 dollars a month."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 66060c317485447095f620e4189be109
encoding: FLOAT32
metadata:
{"chroma:document": "Charged me a late fee and would not waive it even though I'm 100% positive I set up a payment! But their system NEVER messes up...okay, yeah, sure! I guess they have a different system than the rest of us, they live in a magical world! They could even see that I logged in, umm....excuse me....Why would a person log into their acct days before due date AND NOT SET UP A PAYMENT. But no, instead they called me a liar and TOLD me I did not set up a payment (because their system is magical and would never glitch) and I'm stuck paying a ridiculously high fee with interest charged on it!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c14bf5c7ad344c9a8a7e5283fee0a261
encoding: FLOAT32
metadata:
{"chroma:document": "The customer service is the absolute worst of any bank I have ever used. They charge fees on top of fees and refuse to help you. I will never use them again. My payment for my credit card was lost in the mail. They told me they would waive the late fee and to send a new payment which I did. But then they didn't remove the fee and added a new monthly fee on top of it two more times while I tried to get the original one removed. So they finally removed one of the late fees but demanded payment for the ones they added on top of it because they didn't do what they said originally. Poorest customer service I have ever received from a bank or credit card and will never use them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 834b96a290dc47ddbdd42518696315e7
encoding: FLOAT32
metadata:
{"chroma:document": "I paid off my Big Lots credit card in full. The next month I get a notice that I am late and owe them $46.00. I paid the balance without complaint. The next month I get a notice that I owe them $76.00, now I am paying attention. I check my balance and Big Lots was charging me a \"mandatory $2.00 interest payment\" on a paid off account. I called and told them to close the account. I asked why I was being charge these charges and was transferred to another agent who disconnected me. I attempted to call back and was sent to an automated message that \"representatives only work Mon-Sat.\" It was Sunday morning and I HAD JUST GOT OFF THE PHONE WITH THE REPRESENTATIVE. If this is the way Big Lots handles disgruntled customers I will never utilize their services again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 876b3c8f4a5d49ecbf7b220dc0a991cb
encoding: FLOAT32
metadata:
{"chroma:document": "This company lied and manipulated my 91 year old mother with dementia. They scammed her into getting a credit card for purchases made to the Woman Within catalog. All of the items were either not shipped or returned. They initially tried to give the money back as a credit for merchandise. When they were told to credit the credit card it was a back and forth between the clothing line and the credit card. This was months of battling back and forth with empty promises of things being resolved. We were told on multiple times that things would be taken care of. And months of calls and promises ended with the credit card stating a return merchandise fee of $28.00 was not paid so they kept adding late fees even after two conversations with managers stating there was a zero balance. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 67725d38cd034f0dbffa2ce70866fc95
encoding: FLOAT32
metadata:
{"chroma:document": "If you have store credit cards with Comenity, they will charge you finance charges after you have paid off the bill by the due date, and they try to justify it by saying it's calculated daily and you have to pay it. I told them that that makes no effing sense and get rid of the charge, which they did, so this is a warning that if you pay off your bill each month or so, you will still incur finance charges after your account balance is 0, and apparently they think they can get away with it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dbebd44ac66741efa40f2aa2655ca226
encoding: FLOAT32
metadata:
{"chroma:document": "I obtained a Tile Shop credit card, which is issued by Comenity Bank, to purchase tile. Comenity sent an email notice to pay the bill online, but it required the account number, which I didn't have yet. The paper bill came about 10 days later and I mailed in payment for the entire balance the next day. The card itself came several more days later and doesn't even have the account number on it. The next bill came and had a late charge and interest, because they got my payment late, even though I mailed it as fast as possible. There was no way to pay it online because I didn't (and still don't) have the account number."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 24dc796eb769490990781a01c51ed775
encoding: FLOAT32
metadata:
{"chroma:document": "I have to start from the beginning. I make a payment from my Citibank checking account early in December 2021. First it does show processing, but later a week it was denied. Reason my bank account routing and check account do not match. I double check too many times. I am 200%, that I enter routing and checking account are correct. I have been make payment to Best Buy, Walmart, Target, Amazon, Capital One. They never have problem return like Overstock bank did."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0ee5add948194df2ad5b4ef19197271e
encoding: FLOAT32
metadata:
{"chroma:document": "Never, never use Comenity Capital Bank!!! You will be stricken hard by an outrageous finance charge at the last minute. I bought my wife a one-carat diamond ring to commemorate our 30th wedding anniversary in November 2020, using Blue Nile Credit Card issued by Comenity Capital Bank. It took me 30 years to buy her a diamond ring, and it needed another 12 months to pay it off. However, due to personal circumstances, I could not pay the balance in full in November 2021, the last month of the twelve-month promotion. The balance in November 2021 was $409."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c851ac685204b96aa2f0787615eb9ce
encoding: FLOAT32
metadata:
{"chroma:document": "If I could give Comenity bank 1 star I would. They are charging me $140 in late fees (sending the payment on time). I have spoken to several representatives and supervisors and get a different story each time. 1- \"We are understaffed and don't have enough personnel to process the payments.\" 2- \"We recently switched banks and your bank account has changed.\" 3- \"The facility you are sending the payments to was destroyed by a storm and we have a new processing center.\" 4- This one was the best-(supervisor Erica) \"I don't know who you have spoken to and there are notes on your account of what you have told me but none of that is true. We have not changed banks and you need to pay the late payment fees, I am truly sorry for your inconvenience.\" Lol. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 12429e83bd6141968cafbd2b5bd226b3
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had two cards with this company. One for 8-9 years and another for one year and they decided to close my one year old card without any details. They claimed that they processed a hard inquiry again and found that I was a risky borrower. Not sure how that\u2019s possible when my credit score is 680 and I have no collections from this company or any other. They said a letter would be sent in the mail and I did not receive anything from them. Considering that they pulled my credit report, approved me for a card and then I lost the card and this is how I found out about this. To then now close that account without any explanation. Meanwhile, I have a hard inquiry I can\u2019t get rid of until it falls off after two years. Don\u2019t bank with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 879d2c8bc80f4cb18bd3d03433e27cd4
encoding: FLOAT32
metadata:
{"chroma:document": "Will never use Comenity Bank again. I have (had) a Mastercard with them and with few exceptions, I pay my balance every month. My purchases started being declined and I called to about it. They closed my card. I have not had a late payment in YEARS and am not buying their excuse that a credit reporting company reported something negative on my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6c52c3ca4ba4e62b8bbb482c4c197d8
encoding: FLOAT32
metadata:
{"chroma:document": "They appear to use every tactic possible to slow the repayment of Certificates of Deposit. They continually lie about when the money will be refunded. Even with good rates they should be avoided. Support is friendly but frankly not helpful."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 61781e4dfccd416ba91ce038b2431604
encoding: FLOAT32
metadata:
{"chroma:document": "Awful customer experience. I was told that I owed some amount and I authorized the customer rep to go ahead and make a payment. She said I was all set and a month later they charge $1 on my account and since I did not make any purchases, I did not log in to see my account balance. After 3 months, they send me a paper bill saying I owe $39. So, I call them and I explain them what happened and they ASSURED me that they would take the $39 charge off my account and I don\u2019t owe them anything. I opened my account today to make sure and I see $7 charge on my account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 67e43a59d8c94a86845de48fdcb5525b
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a Carter's card for three years. Never late, didn\u2019t use it excessively, paid my balance in full. This company randomly pulls credit reports and cancels your card based on information in your report. Whether that information is accurate or not. So now they tanked my credit even more by canceling a positive account. It is sad that they don\u2019t do business based on good client relationships and how responsible you\u2019ve been with your account, but rather what random, inaccurate information is on your credit report. Be careful with any store cards dealing with this bank. If they use Comenity, don\u2019t do it!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6e163f0b8c394cc8bae392a5dfda5632
encoding: FLOAT32
metadata:
{"chroma:document": "I had the Children's Place Card issued by Comenity Bank for about 5 years now. NEVER missed a payment. Now that my kids are getting bigger I use the card less, I have had this card paid off for 2 months and stopped using it at a ZERO BALANCE. At a zero balance you expect not to check the website every month because you know you do not owe anything. What a slap to my face. I got an alert thru Capital One saying I have a new report on my credit history a negative rating. I logged in and saw the Children's Place reported my late 1 month. Why? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6216223ec6aa4bbdb94262a5c83e9a76
encoding: FLOAT32
metadata:
{"chroma:document": "Worst bank I have ever had credit with. I made full payments all the way through the pandemic. I missed two payment due to the pandemic. I wrote them a goodwill letter and requested they remove it from my credit. All the manager said was they were unwilling to work with me. They also lowered my credit limit to only $100 even though I paid off full balance once I finally had funds to do so. Not to mention their late fee is $40 which is the same as monthly payment due. Thank you for understanding your loyal customer NOT! Regardless I closed my account. See you never!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 82fb2281595241d390f13e8697f60eb2
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a credit card with Academy in July 2020, had a credit limit of $850 and made a purchase of about $150. Made my minimum payment every month, was late once and paid the fee. Made another purchase after a few months, continued to make minimum payment on time every month. August 2021, they tell me they're lowering my credit limit to $100 due to \"previous negative experience with Comenity.\" I don't have any other Comenity accounts, and my credit report shows I made all my payments on time. I had recently opened up a new credit card to pay for some emergency vet bills, but my credit score was still pretty good and all of my accounts were in good standing. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f6561bcc662a449ea717f51fc4af9c09
encoding: FLOAT32
metadata:
{"chroma:document": "My name is Lora **. I was preapproved online on 9/16/21 for an IKEA Projekt Card for a complete kitchen remodel. Unfortunately, the door style we chose has a finite date for availability due to being discontinued on 10/1/21, so I called Comenity Capital Bank the next day to see if there was anything that I could find out on how long the final approval would take but was told that it could take 3-4 weeks from application date. I asked if they needed anything else but was told that they had everything they needed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8d976a6b273e457883f74be29ee3b405
encoding: FLOAT32
metadata:
{"chroma:document": "After paying off my bill in full with a loan I never pulled up account again. Only to receive a past due notice email stating my account was two months overdue. I screamed WHAT, WHY only to be told it was finance charges. I was NEVER late over years with an account with them and now they have ruined my great credit, 100 percent paid on time, for the next seven years. I\u2019m 74 and have never had late payments. I suggest no one get an account with them. I mean never!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: db0dd29c21ae4ca59f6c5aefbf7a9307
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve always paid my credit card on the due date and was wondering what was taking so long for my account to be paid in full. The last payment I paid it all, not just a payment just to find out the bank was taking my payments as late fees because they said I did not pay before Their 5pm cut off time on my due date!!! But my payments were made on the due date just not on their time!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7f4779aab7e342c696b23cea7240229e
encoding: FLOAT32
metadata:
{"chroma:document": "I tried to take advantage of the Comenity $100.00 cashback July 2021 open a Master Card offer. A credit check was completed several weeks later with \"Excellent\" reported. After weeks passed and several lengthy, frustrating (and documented) follow up calls I was assured \"offer will be honored\". No card was ever issued and no rejection letter was ever received. No $100.00 cashback on the Horizon. I tried to follow up again today (9/17/21) and can only get a busy tone @ Comenity. Other than efforts to follow up on this offer I would stay clear of doing business with this type of bank. Ref customer service calls 7/26/21 ID ** & 8/2/21 @1:32 EST Norma."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1346f549acd046339be612dd9b40bd99
encoding: FLOAT32
metadata:
{"chroma:document": "Made a mistake and applied for this Visa card at Sportsman's Warehouse with the promise of a few bucks off my first purchase. Received statement and paid in full. Got a new statement this month showing full payment, but billing me for $2.17 interest. Upon scrutiny of statement, I discovered that I have accrued $29.00 in \"fees\" and $5.42 interest to date in 2021. How can this be when I have paid my first (and only) statement in full and promptly? There is something crooked about this (Comenity) bank Visa. Called customer service, and after a lengthy conversation, most of which I was on hold, got no satisfactory explanation. I am cutting up my card and returning with a payment of $2.17 and cancelling my account. Do NOT make the mistake of dealing with this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 85cb276e26e64318be7b522284ab0d0a
encoding: FLOAT32
metadata:
{"chroma:document": "Paid a couple hours late. Was reported on my credit report. Dropped my score 50 points. Called to ask nicely to have it updated was transferred and hung up on. Called back was transferred again. Only machine help, no humans. Worst customer service experience I have ever had from a credit card company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3690ebc0dbc443cf9d1fd007d5797000
encoding: FLOAT32
metadata:
{"chroma:document": "Anyone else trying to log into Comenity and cannot? For days I have been trying to log into Comenity to pay my Overstock bill. It is impossible...Try it. They want you to sign up for something called \"Easy Pay\" which is my choice and I do not want to. They even say, \"Try It!\" I do not want to try it. One of the requirements is that you have to relist your Social Security number. I don't want to do that. I just want to log in and pay my bill. There is no help. no chat, no nothing. There are however, a load of complaints against them at the BBB. So, you are forced to do something you do not want to do and they will not let you log in. Meanwhile, they are laughing their behinds off somewhere in the Cayman Islands. Avoid at all costs."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 64af56c9e02d490994c8afba2f75ed11
encoding: FLOAT32
metadata:
{"chroma:document": "My wife got an Academy Sports Credit Card managed by Comenity Bank of Columbus Ohio. She made an $80 purchase at Academy in November. We failed to make payment when it was due in January, for some reason which I don't remember. In February, I realized our mistake and paid the statement in full on 2.9.21. I have a canceled check proving it was paid on that date. On 2.18.21 they added more late fees and interest, which made us have a continuing balance. Ever since then I have been trying to get the late fees and interest removed. I appealed through their dispute process and was denied. I called them and have appealed again, waiting to see what their answer is. Do Not Sign Up for their card!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab0a786c63144d028fe06ae12b73756a
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a CD account on Direct.Comenity.com for $1500.00 on 08/22/2021, made a mistake about my funds, and tried to temporarily reverse the amount back to my bank on 09/01/2021 (10 days later). The first woman I talked to said there would be a $5.23 penalty, but I got cut off. The second woman said the first woman was wrong, and the penalty would be $900.00. I said it was outrageous, and all I got was condescension and a sales pitch."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18d61eedd29445eba16bea285aa548a2
encoding: FLOAT32
metadata:
{"chroma:document": "I returned an order to an Ann Taylor LOFT store and was charged a $8.95 shipping fee on my LOFT card managed by Comenity Bank. I didn\u2019t discover this charge was there until 3 months later. Not once did I receive a bill or an email letting me know. By then I was slapped with late payment fees and interest charges all because of $8.95. You don\u2019t go into a store to make a return and expect to be charged again. After months of thinking it was resolved, my credit report revealed Comenity won\u2019t change the 30 days late payment on my credit report. This is after LOFT realized I shouldn\u2019t have been charged and even refunded me for the late payments and the shipping charge. Mind you before this my credit was almost perfect and took a nose dive because of this. I pride myself in making all payments on time and I\u2019m ashamed to have an account with this deceitful bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c1819875a844fa5a0313a4224925f20
encoding: FLOAT32
metadata:
{"chroma:document": "Paid off my bill and now being slapped with 200 dollars in late fees because they decided to charge 50 in interest. They seriously need to take the late fees off as I paid them nearly 3 grand and now they are killing my credit. Been in contact with them several times and they refuse to lift the late fees which is insanity. They decided to send notice 3 months after the fact because I thought I was done with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 95b1bd054ccb4f03987c090ff392164a
encoding: FLOAT32
metadata:
{"chroma:document": "This business \"practice\" (loan sharking?) can't be legal, can it? Has anyone else found a solution to dealing with Comenity? Comenity has severely damaged my credit (and I basically used the furniture store's credit because they said it would help improve my credit after a divorce, etc.) I charged furniture close to three years ago, and I owe more now than I originally charged! I've tried to work out options with them, and did the Covid relief break they offered last year but it's worse than ever now. I am in a position where I cannot pay it off and can't even make the minimum payment they want now - due to having unexpected moving expenses (COVID-related as well) I've paid more (probably twice as much) than the cost of the furniture already..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 486d80dd01e4416796fdb3c646a530e4
encoding: FLOAT32
metadata:
{"chroma:document": "The Comenity website is awful and cannot process my username and password repeatedly even after reset. Of course, got charged numerous late charges because I don't have the time to call in every payment and I missed a few by a day or two. THEY WILL NOT REVERSE THESE $40 CHARGES. During a pandemic, even after several phone calls for help getting into the website, AND asking for my due date to be changed (a 20 min conversation) and the due date remained the same."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 56d46e9db6084b089b2ba0a54b5fd2ff
encoding: FLOAT32
metadata:
{"chroma:document": "More cheating garbage, BJ's asked me to have this card, which I never got and never activated, a year later they charged me with BJ's membership and a late fee of $128 for a card that was never activated and never arrived. When I called they told me that if I did not pay they would pass the bill to bill collectors and report my bad credit, at this moment I have it at 775, I paid to avoid having to have a problem, cheating mafia, and BJ's lost 8 clients."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a6d93070081493a9b674bcb8128692b
encoding: FLOAT32
metadata:
{"chroma:document": "My wife got a Sephora credit card that was charged a late fee, because she scheduled a payment on the due date, but because it was after 6pm ET. Then she was charged a \"finance fee\" for getting a late fee. And then she also got a \"minimum interest\" charge. When she tried paying the balance, she scheduled a payment with the \"schedule tomorrow\" option, this time to be on time, but their system is in a different time zone, and the \"tomorrow\" was actually a day after, which again let us to a late fee."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a3526fadb84f4aaab576c2e2a8c94229
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{"chroma:document": "I opened my Children's Place Credit Card in May 2021, paid off my balance online in June 3 days before the due date. The bank was unable to verify my bank account so they returned my payment and of course charged me a late fee. Once disputed and phone payment was made, all charges were removed but then my account privileges were restricted and would be considered for review in September. You have got to be kidding me, as if I am some kind of child in trouble for poor behaviour!! SMH. How ridiculous and petty is this?? At that very moment is when I remembered why I closed this credit card many years ago! I have excellent credit and I refuse to give this bank my time of day ever again. Taking my business elsewhere! Huge Loss for Comenity Bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cc8a65e4494b4399805c055d61d7ab31
encoding: FLOAT32
metadata:
{"chroma:document": "This is a rip off crooked bank. Restricted my account without any explanation blocking access to my funds. They use their depositors as short term financing. They are thieves. Avoid like the plague and disease."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 26133218940a4c77a15c5ea350c62a7f
encoding: FLOAT32
metadata:
{"chroma:document": "Initially, I applied for a Wayfair store credit card before Comenity replaced the product. Wayfair closed out their store credit cards temporarily due to the pandemic. I thought my \"replacement card\" was useful at the time because I needed to invest in new furniture, moving expenses, etc. Every 2nd of the month, I pay my credit card bill on time, but according to my most recent statement, I've been charged high interest fees. I have not used the card since November and I still have an available balance of $2,332. I have a Sephora Visa with them as well, but my biggest issue with Comenity is the level of distrust between cardholders and account specialists. They are not as transparent with the cardholders and they always refer me to the secure message center. Once my balance is transferred onto my newest credit card, I am closing my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0042071910c54029b98ce1b7f744ab97
encoding: FLOAT32
metadata:
{"chroma:document": "BEWARE: Comenity Bank handles many business accounts for department stores. I opened a Bealls Outlet account in which Comenity Bank serves as their credit services. They will charge interest and late fees for nothing. Even if you close the account the interest accrues, but they will not credit the interest. Example: I have excellent credit and always make my payments on time. They charged me $2.00 for a late fee which was supposedly after I paid the balance. They assessed an additional $4.00 since they did not receive the $2 check I mailed. While this is only $6, ripping off thousands of customers means they are collecting thousands of dollars."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 12e5bebaec45422fb1e421d74a7ab7ab
encoding: FLOAT32
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{"chroma:document": "The bank offered a great rate, but I was not aware when I deposited my money that there was a limit of $10000 a day on withdrawals and six per month. I made the mistake of putting my money for a down payment in the account and getting it out was a big hassle. I contacted the bank and they didn't even seem to have a clear record of how many withdrawals I had made. Will not use them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eb943161245f4af9bbc8adfd6f2232d2
encoding: FLOAT32
metadata:
{"chroma:document": "This bank has terrible services and keeps charging me everyday. One day late charge fee is 38$. Normal we have 36 months pay for, we only pay the 13 months but we finished. Next time don\u2019t trust this bank. It will keep charging you everyday."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a12de881dbb49bb9c6d42e6c44cae2f
encoding: FLOAT32
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{"chroma:document": "My bank automatically sent their payment 2 weeks in advance of the due date. Comenity did not process it so I got a penalty. I then changed my payment send day with my bank to 3 weeks before the payment was due. I watched my account everyday until the day before it was due. I then paid the bill directly through their website and then cancelled the electronic payment that I made 3 weeks earlier since it had still not been processed. Comenity Bank charged me a $25 cancellation fee. If you don't pay directly through their site, their processing of external payments is ridiculously awful!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 48d51d5d79064267888a258f143c6cc4
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a Sephora Credit Card which is from Comenity. I pay my balance on time every month, always in full. However, last April 2021, I noticed that my statement has an interest charge on previous purchases so I spoke with customer service and none of them can explain it. I keep asking them what is the interest for and why do I have this interest when I pay my entire balance in full every month. After more than 30 minutes on the phone, no one can explain to me what purchases are those so the supervisor ended up removing those charges on my account. However, come May 2021 statement, there are interest charges again to which I again called them and ask what is it for since I keep paying my entire balance every due date. No one can explain to me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60bf8b9848ad4b4883ad7e27e627f31a
encoding: FLOAT32
metadata:
{"chroma:document": "I think is is important to start with I never wanted Comenity Mastercard. It used to be a Wayfair Card that morphed into something else that has been nothing but awful. I mailed a check to Comenity Mastercard on April 29th, 2021 to pay off a balance. On May 19th, 2021, I noticed that the check had not cleared. Fearing it had gotten lost in the mail, due to the large amount, I placed a stop payment on the check and paid the card balance in full online. At this point the card is at a zero balance & I think I am done with Comenity Mastercard."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4d76b7d579a64082aa8555f6dfe865b6
encoding: FLOAT32
metadata:
{"chroma:document": "Received a $31.00 late fee because the store forgot to refund me for the .04 bag I gave them when returning a product. They took off the fee but had to give me a required lecture speech about how I need to pay my balances on time. There was no wiggle room for the fact that the charge was the store's fault and not my own AND the fact that I was closing out the account. The first CS I spoke with was horrible. She gave me a fake name and fake id# so she would not get in trouble for being the worst and she did not take off the fee either so I had to call back. Even their voice prompt doesn't allow for easy CS access. Overall a terrible experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f9367bde9b6a455084361b19d019bf6b
encoding: FLOAT32
metadata:
{"chroma:document": "How do they Have 3 1/2 Stars when I see so many 1 star. And you should make it where we can put no Stars. Cause that is what they are worth. I won't do business with anyone that does BUSINESS with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 12109b4bd3094707b0d95a8dc6928416
encoding: FLOAT32
metadata:
{"chroma:document": "I came to Vacation Club (Comenity Capital Bank) from Wyndham Resort Purchase. The pitch was 6 months interest free if paid by 2 April 2021. On 12 March I obtained an official check from my credit union for the $6514 charge and put it in the mail. I waited a week and started follow up calls and nothing was found. On 29 March my Credit Union called as they had received a letter form Comenity that they couldn't find the account (which was on the check) and so any issue was clarified and sent back to Comenity. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 60f71f601f8f4dd59924a6557341fe2e
encoding: FLOAT32
metadata:
{"chroma:document": "I have several retailer cards through them and I'm getting the feeling that management of different accounts might have something to do with the retail company overseeing their work. I have had no issues with my Ulta card, however, my with Forever 21 card, there is always conveniently \"technical issues\" when trying to log in every month the day before my due date to pay my balance. I don't set up auto payments because I don't carry a balance. Since I have a newborn, it's difficult to remember to try again later, so then you end up with a late fee. This has happened 3 months in a row since I've been using the card this year...."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6485013299e742f6b098ff26397a4dbb
encoding: FLOAT32
metadata:
{"chroma:document": "Like others, I\u2019ve had 3 credit cards with CB over the last 3 years. Paid my bill on time and utilized my cards here and there but never to a point where I just went months not using my cards. It appears this company is only interested in you having their credit cards/promotional plans if they believe they can make money off you through late fees and interest."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac56a98bfe334b3b95d9f6ca088f6af0
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had 3 cards with this bank. They are known to lower your limit if you pay card off in one large lump sum. Not only do they lower your limit, but they closed my account for inactivity!! I have for years bought clothes for birthdays, Christmas and school year, and not once did they close my account due to inactivity when I had a balance, but once I paid off my total, now they want to say they closed my account due to inactivity. Never one late payment, never once went over limit!! I thought it was just a fluke the first time, but here I am 3 cards later, from different retailers, all closed. Mind you, I paid off my cards in February, my cards were used in December, we are now in April... closed. So not only did I have a hit to my credit (which I baby very much) when they lowered my limit, but then a huge hit when they closed. Please. If you care about your credit, this is not the bank for you. They only want you when they can collect interest and late fees from you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7519ea01d0b54ae3ad42a2e8c68b0d15
encoding: FLOAT32
metadata:
{"chroma:document": "So I was shopping in what use to be one of my favorite stores in the mall NY$Co. I was asked if I wanted to apply for a store credit card and if approve I can get an additional percentage off my purchases. I was approved for a credit line of $500. Wow! This is great. A few weeks later I made a few other purchases nothing large so my total is about $200 all together (including first purchases). I receive the first bill and made payment. Second bill and made payment on time. About a month later after making payment I went shopping and now my bill is close to $300 and now we run into problems. I was late making the fifth month payment and I am alright with that and I eat the astronomical late fee penalty."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0c9d1b907f9c46f68afc38c3ba796981
encoding: FLOAT32
metadata:
{"chroma:document": "I have an 18 month loan - I have made electronic payments on the 6th of every month - my payment due date is the 10th - was going fine - now, I have 3 payments remaining and will be paid in full 4 months early. Suddenly, they held my payment and didn't process it for 3 days - past the due date, so late fee attached - again, the next month I moved the payment to the 5th of the month - again, this time held for processing for 8 days so again, a late fee. They say their policy indicates their processing is not specified so don't count on the payment being done in time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8062af511f244d888ee217ffcfa08fc6
encoding: FLOAT32
metadata:
{"chroma:document": "I have had several promotional plans with them. My 21 year old son died and I missed paying a furniture company promotional plan off by 5 days. I asked them a consideration due to the circumstances and they told me, \"NO it's a valid charge\" and \"Too bad\". Also, the furniture was back ordered for 6 months and I was charged before I received the merchandise. I called the furniture store and they said I needed to call Comenity. When I called them they said that's how it worked sorry. So I made payments for 6 months on a product that I didn't have and wasn't even sure if I was ever going to receive. Then I'm grieving the loss of my son and they charge me a huge finance charge for 18 months of the original balance. Way to stick it to you when you're down. Horrible company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8167c666b25844cca5d286093c2d3ac9
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metadata:
{"chroma:document": "I have never been a fan of Comenity Bank. They are not a good lender and they are predators. I had a store card for many years with Comenity. Always paid on time, not one late payment. In August 2020 I paid off the $1800 balance and had a $0 balance. The store charged $19 to my credit card without me knowing \u2013 for some sort of \u201cclub\u201d in November 2020. I did not receive an email from Comenity that my statement was ready (which I have in the past when it had a balance) and had no reason to even look at that card since I literally just paid it in full. In March 2021 I get call from an unidentified phone number on my work line (late at night). No message. I google the number to see it is Comenity. I then log into all my store credit card accounts to see why they might be calling me. Well by then they had reported me as 60 days late to all 3 credit bureaus and the $19 charge became $77. I disputed this with them and was ignored. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb98dee632aa4bf280624f8256d0b811
encoding: FLOAT32
metadata:
{"chroma:document": "Disgraceful! These people are the absolute worst for shady incorrect interest charges. They're the worst for CS. I was farmed to this crap bank through both Amazon and Sephora without my knowledge. On both occasions I've noticed inaccurate billing via payment and purchase history. Completely unacceptable business culture. They couldn't care less. They also farmed my account for Mattress Firm which dumped their ** soon after as well as Wayfair. Get a grip and find a reliable reputable bank to farm my business to, but not before I agree, for God's sake, now I'm repulsed by all these businesses' bad decisions. You've been warned!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b4ed14bc7e344a8da05443f51ec16b06
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible customer service, broken promises, deceiving practices. They incorrectly placed a promo balance a year ago during the pandemic, not only they didn't fix the mistake, they refused to allocate payments to try to bring the balance down. I'm loyal to IKEA but will never use COMENITY ever again. Their practices have no consideration for consumer rights, they just want to charge 21.99% on an incorrect sale. Beware!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e745a3e7a8a44248a91f3117adc7d74e
encoding: FLOAT32
metadata:
{"chroma:document": "Although I had accumulated rewards and never missed a payment, my account was cancelled with no advance notice, and no notice at all in fact, because of \u00abinactivity\u00bb. They notified credit agencies, but not me!! Wow. Worst experience with a credit card company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2c2afda3c30943d0bc31e0435eb7b2fd
encoding: FLOAT32
metadata:
{"chroma:document": "I would not recommend opening up a credit card that uses this company. A few months ago, I paid a bill, in full, the day before it was due. I received a confirmation for the payment. 3 months later, I just received another bill with a return payment fee and interest. Apparently my initial payment did not go through because I had entered my debit card number (which I've used before) and not my account number. They said the system no longer accepts that. Why then, was my payment accepted and I received a confirmation email?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 96f58670208b438ab083b9f37115b439
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had a Kay Jewelers card for three years with no problems. Once they partnered with Comenity Bank it was downhill from there. I\u2019ve purchased a $800 watch and never missed a payment. Since COVID happened last year I placed my account on automatic payments. Comenity would take your money or cancel your automatic payments then charge you a $40 or sometimes $35 late fee. Since March 2020 they did that and I\u2019m noticing over $200 in late fee charges. I absolutely hate this company. They are making my life stressful and it shouldn\u2019t be. I\u2019ve not passed the $800 (the cost of the watch) with their late fees and interest charges of $14. Not to mention I had a credit limit of $1500, then out of the blue is $631? Nothing makes sense. I just want to close this account 'cause it doesn\u2019t seem worth it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ed9c45a97e0f4288a3feb351ee3ff8f6
encoding: FLOAT32
metadata:
{"chroma:document": "Very disappointed with their customer service representative. Her name was Tina and she was extremely rude and unhelpful for me. Wasn\u2019t able to provide any information for me when I called to ask basic questions about my Ikea Projekt card. Again she was very rude and unprofessional. Was raising her voice on me as well which is ridiculous. After this experience I\u2019m no longer interested to be a customer with this company anymore. Thanks to Tina!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 818301584c754971a38614e1d9bfcb34
encoding: FLOAT32
metadata:
{"chroma:document": "Was billed before I ever got the card or a bill in the mail. Was charged ~$30 late fee. Took two attempts and two weeks to get someone to actually reverse the charges like they said they would. Did not remove it from the billing cycle so it flagged my account as late the following month. I did not use the card that month so it was a zero balance. They \"paused\" the card because we were a day late paying zero on our zero balance. That left us at the grocery counter not being able to use our back up card. Their solution was to cut me off on the phone and tell me to be quiet while they read the transcripts of all our correspondence,, and them to smugly ask what the problem was and if I wanted to set up a payment for the following month to unfreeze the card... really???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 91372e51b5da4aa9a5cccc6ddbc3eedc
encoding: FLOAT32
metadata:
{"chroma:document": "I should've never accepted this card. When I opened the BJ's Comenity account I had a high credit limit, I've been using it and paying regularly, my credit score is even higher and they sent me a letter saying that they reduced my credit limit to the total amount of what I owed, according to the letter the reason was for bad credit (763), how come none of the other credit cards didn't do the same including another Comenity Credit Card that I owned? I called customer service and they said they can't do anything about that. Now I'm stuck with a useless credit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: efff789310fd44bfb74d1da2c202dd67
encoding: FLOAT32
metadata:
{"chroma:document": "I have made several purchases from Wayfair in the past. I had a credit card open with them and have always paid on time. During the pandemic I lost my job. One of my payments was declined because I was in the process of receiving a new card after my bank noticed suspicious activity on my original bank card. I was charged a fee of $29. After I explained that I was unable to pay that and it was out of my control they said there was nothing they could do. While I was waiting for a response from them I ended up sending my payment later on in the evening on the day the payment was due. I was then charged a $31 late fee because it was paid a few hours late."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d0143da8723c4784b05a49a21e0c6ca1
encoding: FLOAT32
metadata:
{"chroma:document": "My encounter with the Comenity bank confirms other people's posts. I was charged interest because I missed the payment. My January statement has arrived after the due date. After my February statement, which included the missed payment fee and interest. I called the bank and asked to waive the interest as the statement arrived three weeks late. The bank never considered my request. As a result, I paid off the entire balance and closed down my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 585c83a64a264f92a86978487283e999
encoding: FLOAT32
metadata:
{"chroma:document": "Do NOT sign up for any credit cards that are through Comenity (Victoria's Secret, Kay Jewelers, etc). They will purposely not send statements and then charge you three times what you owe in interest. They are liars, manipulators and cheats. When you have people with perfect credit, who own houses and rental properties who only have an issue with one place (Comenity) you know where the problem lies."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d3c9938434424b59a32ead6c3028a11a
encoding: FLOAT32
metadata:
{"chroma:document": "First, let me say, the actual retailer I order my items from is great but the company they use for Opening a credit line (Credit Card), Comenity, I absolutely despise. I opened my account in Dec. I received my Bill Dec. 28, 2020. The due date was 11 Jan. 2021. I mail the full amount to them on Jan 5, 2021. Today (Jan 25, 2025), I received a new statement, stating I owed them $ 32.13 ($ 29.00 late fee and then another $ 3.13 in interest). I immediately called them and they informed me that the check didn't post to my account until the 12th of Jan, and since it was due on the 11th, it was late (they got their money the day they posted it to my account per my bank statements). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ebf7e218e57642428c0c0f6b0bd6a167
encoding: FLOAT32
metadata:
{"chroma:document": "I've had a Comenity retail credit card for many years. I've used it and paid it off throughout the years, w/o any issue. In that past 12 months, with the pandemic, I've not had a need to purchase items from the related clothing retail store. I received a message from them stating, if I don't use the card, they're going to close the account. I reached out to ask why they would threaten an account in good standing if they don't purchase something (that at this time is not needed) and their response was, \"We haven't closed your account, but if you don't purchase something, we will.\" Closing people accounts, regardless of use, has an impact on that person's credit score. I want to make sure others are aware of this bank's behavior. I would NOT recommend a card with this bank, unless you're ok with being bullied to purchase unnecessary items."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 991b4f7bb49f4e2abe46d0900254f781
encoding: FLOAT32
metadata:
{"chroma:document": "Complete scam! I just opened this card and they are claiming my first payment was returned by my bank, completely untrue which my bank confirmed! Charged me nearly $200 in fees and reported me to 4 credit bureaus within 8 days of the payment I made without even notifying of this completely untrue problem or trying to resolve it. They have refused to try to resolve the issue. I have now reported them to the 6 agencies that regulate Comenity Capital Bank but in the meantime they have ruined my credit for absolutely no reason, lied to me repeatedly, and still have yet to even mail me a statement or resolve the issue."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f3e4b745a02940cab5e218a04f6e6fc4
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity is useless by every imaginable way as a credit card company. I was a Pier One store card user as it was beneficial for the purchases in store. When Pier One closed My store card closed not too much later. I ran across the opportunity to join with Comenity which serviced the Pier One account that was recently closed. My problems started when they put my account on hold for 90 day because I incorrectly left off one digit when entering my checking account to pay my bill.  I did catch my own mistake prior to the due date and my payment was made and the account information was now all set for the future. Again, my account was never late.  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e1d6cf36b3404a3ebd79405e0d0ad113
encoding: FLOAT32
metadata:
{"chroma:document": "From the beginning, this bank made it difficult to access my account information. No card was sent home, so registering for online access was a pain. Then they stopped offering the Wayfair card, so the account could no longer be accessed from the wayfair site. Trying to talk to a customer service representative was an exercise in frustration, with huge wait times. Then to top it off, they charged me a late fee for a bill paid ON TIME, but after 6pm on the due date. I've dealt with many credit cards over my lifetime and have never had a bank that cared when it was paid. I emailed them and they said they would not remove the late fee, despite the fact it was paid only 45 minutes after the time it said on the website. Mind you, there were NO mention of times on the bill they sent to my house. I paid off my account and will never again accept a card issued by this shady bank that takes advantage of people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 09b2e0ead202465ea8d4aa2da827527d
encoding: FLOAT32
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{"chroma:document": "I have had a Comenity card for years. I used to have a due date of the 3rd of every month but I thought my payment was due on the 5th, which is the same day another card is due. I called them and got the payment rescheduled for the 5th once I figured out what was going on. I have always paid on time and above what the minimum balance is and I've always been able to pay off my balances quickly."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a6bfef93731d47ab9bb297c65e7d7e0b
encoding: FLOAT32
metadata:
{"chroma:document": "They charge interest from the beginning. No matter the promotion of 10 months without interest. I called and they said it was my fault. Do not apply for this if you don't want to end up paying triple for the items you're buying."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b5c82c2944db4d06bff53eea6956188d
encoding: FLOAT32
metadata:
{"chroma:document": "This \u201cbank\u201d should be investigated. Just look at all the bad reviews. They opened a card fraudulently with my information, never checked for employment history or even address history. The cardholder then racked up over $11 K in purchases in my name. That was in 2018. I didn\u2019t find out until late 2020 when I tried to get a legitimate credit card and was denied! Now I cannot get credit and I am the one who must prove that fraud was committed. This has been a nightmare at a time when I really need credit to survive."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 86e1960066eb49af95aa69d1752303ae
encoding: FLOAT32
metadata:
{"chroma:document": "I tried for 9 months to straighten out my account. They are horrible! I kept setting up auto pay with someone from Comenity walking me through it twice. They took my off auto pay and started charging me $39 a month late fee and a finance change of $17+ every month! They refused to let me hear the recordings of the previous phone calls which would verify my enrollment. I will NEVER work with Toyota or Comenity again and you should not either!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 27ab5fcf74c844079b22f22e60b1c4c4
encoding: FLOAT32
metadata:
{"chroma:document": "I used their BJs credit card for quite some time. Recently I got a new card and when I tried to activate it through their automatic phone system, it would not activate as my SSN did not match with its records. At any point in time, I did not request any change in SSN number. When I spoke with the Customer care, the Rep confirmed that my SSN number was different in the record. I asked her how could my SSN number get changed by itself. She said she will try to fix it on the phone but could not override it. She reached out to her superiors and then got back to me and said I need to send documents and photo copies to them through mail to confirm my SSN and identity."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cdae4dac97704961828cd040bdd0adf8
encoding: FLOAT32
metadata:
{"chroma:document": "I have a retail card through this company and was notified of an alert via the credit bureaus that my score significantly decreased as a resulted of this company reporting that my credit card usage increased by 97% which only occurred because this company lowered my credit amount significantly without prior notice. I would avoid this company at all costs."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c548de6fdc7a4605af226e982111387c
encoding: FLOAT32
metadata:
{"chroma:document": "Made the mistake of taking a Forever 21 card for the 20% discount. My initial purchase was $90, I have paid that off and since paid $80 in late fees. Not worth the 20% discount. If your payment is missed by one day of the billing cycle they tack on $40 late fee, even if your balance is like $5."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e7c5509926004555bdf273cfe7de45bb
encoding: FLOAT32
metadata:
{"chroma:document": "I had a Boot Barn credit card, initially the limit was 2000. I was never late and always paid more than minimum. 1st they dropped my limit to 1500, I had balance of 1700 so I was over limit. Then I paid lump sum dropping my balance to 800. They dropped my limit again. The reason they gave was I had too much balance on my other cards. Because of them my credit scores all dropped."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cc179524d17d47c9a36a7b7237dfd321
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for this credit card back in April on the Wayfair website. Made payments on time, each month. Then in September they announced that they closed my account, because Wayfair doesn\u2019t work with them anymore. Good for Wayfair! Then in September I had financial difficulties because of this stupid pandemic time, and instead of making payment on 10th and made payment on 15th but I paid off my balance completely, it was $ 0. When they sent me a bill for $33 late fee, I called them. I asked to remove that fee, because I made my previous payments on time, and I paid off my balance. I asked them why you charge fees on the account that currently has 0 and it\u2019s closed??! And I simply wasn\u2019t able to pay it on time I had financial difficulties. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 962f9b64658745bd994d5a36d4f2e123
encoding: FLOAT32
metadata:
{"chroma:document": "I paid this account off months ago. In the summer they reduced my amount due to my credit even though I always paid on time and paid extra. They did this due to my credit but I had no idea they constantly pull your credit. Now they closed it due to inactivity and lack of real estate on my credit report. This really is none of their business. You don\u2019t need to own a home to maintain a $200 credit card with a clothing store! This will not help you build your credit in any way and the clothes are not worth the money. Get a standard credit card to build credit."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c42eee22be8c4b93912027cf73968aca
encoding: FLOAT32
metadata:
{"chroma:document": "I wish I had never applied for this card. Rude folks, very unkind and I feel like they stole from me. I know that I should have read the fine print, but was offered the card at register to save 15%. Well I've been charged more than that for nothing, so I wouldn't bother with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ee44a2184eb14ae9927e3974384161e5
encoding: FLOAT32
metadata:
{"chroma:document": "AVOID THIS CREDITOR AT ALL COSTS... It will cost you big in the end! During these unprecedented times (COVID) my husband has been unemployed since March. I have maintained a consistent and on time payment history, zero late payments and always exceeded the minimum amount due. I mistakenly marked the promotional period as expiring on November 22 on my calendar, however, it was October 22, completely my error. I called Comenity to see if I could get a portion of the $1471.89 finance charge waived and I would pay the account in full. I was told, and I quote \"your mistake doesn't warrant our loss of fees in which we are entitled to and you agreed to 18 months ago.\" "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ffb10c75f2eb47feb5d72aae9190ed8a
encoding: FLOAT32
metadata:
{"chroma:document": "I would give a zero rating if it was available, bad customer services, terrible company, my highly recommendation don't open credit card with this company, this worst company that I never see in my whole life. I was hit with the TOTAL interest ($1187.87) for the year. I closed this credit card and will never and ever open again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3c356f2349364b26a5329cd43d9407f4
encoding: FLOAT32
metadata:
{"chroma:document": "I got this card with a promise of savings and points from BJs Club where I shop frequently. I created an account on the website and entered my bank information and account number. I seriously doubt I entered the wrong acct. number because it has to be typed in twice. Typically, I'm able to cut and paste my account number on similar sites, but no, this one required it to be typed. They claimed that the payment transaction did not go through and charged me $29. The payment was not late, it didn't go through, yet it took weeks to reflect that. They also shut down the card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 76ce1f7e32ab4e749275e0619535fa6c
encoding: FLOAT32
metadata:
{"chroma:document": "I was skeptical to use this bank for my purchase, but went ahead with it because of a promise of zero interest for one year. Since on-time payments were required to get the zero interest plan, I paid eight months of payments in the first two months. On the third month a payment was received by Comenity the day after the monthly due date. I wasn't concerned about this fact since I was already nearly a year ahead on payments. Then I find they charged me for a late payment. They charge $39 for a late payment, that's more than the payment itself. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1c5268c448844cd68debb80133eae13a
encoding: FLOAT32
metadata:
{"chroma:document": "I will NEVER do business with Comenity Bank (Lane Bryant). I had an account with them and the bank (closed it) and I don\u2019t know why up until this day. I started off with $300 and I had a few late payments. I ended up paying it off. I did use it again and at this point, my cc was in great standings. One day I got a statement where it showed my credit limit was changed to $100?? I never received a notice or anything of that sort telling ju me the changes and then shortly after that they closed my account completely. I just want it off my credit history and they will not budge!!! Worst bank ever!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4459f73fa1a94e0e99be71802259bbaf
encoding: FLOAT32
metadata:
{"chroma:document": "If you are thinking it\u2019s a good idea to buy now and pay later with Wayfair. Don\u2019t do it! This Comenity bank is a major scam artist. They don\u2019t have any way to manage account by scheduling payments. There is no way to pay more than 30 days in advance. They do this on purpose so they will accrue late fees against you. Now they won\u2019t close my account, accept a lesser amount and keep tacking on late fees and racking up my bill. Ludicrous!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3d57285bbecf42688852ee4eeb4d7560
encoding: FLOAT32
metadata:
{"chroma:document": "Let me start by saying my credit score is around 775. But---despite already giving my SSN in an application for credit and now having a hard inquiry on my credit report---Comenity refuses to complete my application if I do not make a photo copy of my Social Security *card* and mail it to them at a P.O. Box in Ohio. I called Comenity to see if there were any reasonable alternatives to complete my application. They were firm---there are 0 alternatives. So, mail a copy of my Social Security card, or expect to be denied credit, even with a 775 credit score."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0c122687cfc45878b1fe6993c6c8306
encoding: FLOAT32
metadata:
{"chroma:document": "I thought I had done my fair share of reading before submitting an application but turns out I did not. This bank is HORRIBLE. I tried to open a HYSA and they scammed me into opening 2 accounts. After realizing what had happened, they told me that I had opened 2 accounts (even though I simply followed the link in the email they sent me) and that my funds could be held by them for up to 10 days. They told me that I would have to wait to close my account and I got different information from the person I spoke to on the phone and the women I was messaging from customer service. An absolute mess and honestly feels like such a scheme."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dcd5e3a07a1246378a013b5db8aeef32
encoding: FLOAT32
metadata:
{"chroma:document": "I have been working hard on my credit for the past 2 years after a bankruptcy due to job loss and serious illness. Recently my score went up significantly. I didn\u2019t know when Comenity took over Wayfair they would close the Wayfair card without giving me opportunity to pay in full. They just transferred my balance to their MasterCard. I\u2019m still waiting on a large refund to show up from over a month ago also. So now my credit score has dropped 18 pts, they have my balance $75 higher than it should be, and I have a card I don\u2019t want. It is my understanding that closing it will hurt my score, yet if I don\u2019t use it and they close it that will hurt my score also. Where can I report them for not allowing me the opportunity to pay off my Wayfair balance and close that account myself? Thank you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d3ea5f6585554217970588c33617720a
encoding: FLOAT32
metadata:
{"chroma:document": "If there was a way to give them less than stars I would. I called and I made the payment on the phone. I asked for the total balance on the account. I paid the total balance. I was a day late and paying it so at the end of the billing cycle they added a late fee. Why when I called and asked for my total balance did they not add that late fee and and tell me or just add the late fee in? Why do they bill out for a separate late fee after I paid off my balance? I asked for my total balance to bring my account to $0. So they ended up charging me a late fee then finance charge for the late fee and then another late fee. Of course I wasn't looking at my mail. I'm working all the time and in my head I called and I paid off my account in total so why would I think that I owe this company any money. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 045e9848accf483f9e7b30071bf0c563
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity Bank has been harassing me with phone calls and emails about a balance on my already closed Wayfair Card account. Wayfair Store more than a month ago refunded me the amount of an order that was never delivered. They did that promptly. HOWEVER, Comenity Bank refuses to reflect that refund in the credit card issued by them. I have provided 2 documents proving that I don't owe that money and that on the contrary, Comenity Bank owes ME a refund. I do not owe any late fees already. There has to be some intentional practice to just simply pick up the phone and connect with Wayfair to clarify the issue, the very same way they charge you without delay, they should refund you as soon as the Store or business involved issues the credit or refund. I do not recommend any credit issued by Comenity Bank. I have others and I can wait to pay them off to close them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1217ce38851477c93750bc80ff4a3d0
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity has an easy to navigate website. Their multiple ways to make payment via phone or website allows for ease of payments. Comenity's high interest rate inspires for quick payoff of any remaining balances."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 13226e6fbe1f47118fb00d8f8115fdd8
encoding: FLOAT32
metadata:
{"chroma:document": "I had the misfortune of having my credit card account acquired by Comenity. Certainly, nobody in their right mind should never voluntarily open an account with them. Problems with them range from the irritating to what I would consider fraudulent business practices on their part. One only need look at other reviews to see the host of complaints. On the irritating side, they don't even have an app, so you have to log on to a webpage every time you want to do anything. What a waste of time and inconvenience!  "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 50939174a67443ac82fd681c27ae3e70
encoding: FLOAT32
metadata:
{"chroma:document": "I do not recommend credit cards with Comenity bank. If you have too many inquires on your credit report they closed your accounts. Even if you don\u2019t owe a penny they closed your accounts with no further notice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3860a8b0d5754078b69c98a8823e05de
encoding: FLOAT32
metadata:
{"chroma:document": "The worst credit card And customer service I have ever experienced. Don\u2019t purchase your diamond thru this credit card. You will end up paying double! Customer service will not help you either with something you aren\u2019t told when you sign up to this credit card that the interest accumulate if you don\u2019t pay the whole balance by due date."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 67bb8c9e36b94402b0c23b19d2e99c97
encoding: FLOAT32
metadata:
{"chroma:document": "This is one of THE worst banks you could ever deal with. They are underhanded and unprofessional. My card was issued with a modest limit. In the first month, I paid SIX payments before the FIRST payment was ever done. You would think they would reward you, instead, they pulled my card and canceled it. You'd be much better applying for a Capital One card. They obviously know the worth of a valued cardholder. Comenity has no clue!! STAY AWAY!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0b643ae1a7334fc6a85eaf063d5a9185
encoding: FLOAT32
metadata:
{"chroma:document": "I will keep this in perspective. While you\u2019re rebuilding credit, it\u2019s a wonderful thing to get approved for these cards, however, you need diversity because the moment you stop using these cards and being enslaved to debt, they will close your accounts without notice. Your credit score can tank, if you\u2019re not watching your utilization and what you have strived to rebuild will now be a setback. They closed 5 accounts on me and stated it was for lack of activity. Thankfully my utilization was below 10% so when they closed the accounts, my utilization jumped to 16% which was still good, but it wasn\u2019t what I was striving for. Their response to all of it was basically \u2018you can reapply\u2019. If I could give them zero stars, I would!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2bc93654986e4895aedaab8dbbcfd143
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity made an error when coding one of my payments which resulted in it looking like a missed payment, which was then quickly sent to collections that then dropped my credit score 70 points.... Now I have to figure out how to navigate getting this off my credit score, even though they updated it on their end.... Super unhelpful! Their new freaking error and they won\u2019t even help resolve. Don\u2019t bank with them.... If you need to buy something, try Affirm.... Way better, way less risk in comparison to this greedy, idiotic bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c37ef0fd6ed443fbb053b194a9b59082
encoding: FLOAT32
metadata:
{"chroma:document": "I have two credit cards that use Comenity processing services. With both cards, I have received late payment fee notices for payments that have been mailed 10-15 days in advance of the due dates. Other payments mailed at the same time in the same mailbox have been received and posted by those companies in plenty of time. Either Comenity has a very slow payment processing system or they are deliberately delaying posting payments to earn fees. They are doing a disservice to the client retailers (Cabela's and Talbot's in my case)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4e9a7ee97d514c1db3b6c168641caade
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity bank is the worst credit grantor in America!!!! I had a GRANDIN ROAD Comenity Bank card ON which I NEVER HAD A LATE PAYMENT... EVER!!! They canceled my card. I never had a late payment ON ANY CARD, EVER!!!! They unfairly canceled my card and lowered my FICO Score too by lowering my available credit by $4000. I have decided to cancel all Comenity Cards and will not be shopping at any retailers that feature Comenity including WAYFAIR, SEPHORA, BALLARDS AND FRONTGATE."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a1dbfe920b24418aaae01bde428bc946
encoding: FLOAT32
metadata:
{"chroma:document": "I Called to pay from my bank debit card and the customer service guy stole $25.00 from my card to pay his Skype bill. My bank repaid me back and they are investigating the matter. Bunch of thieves at Comenity bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2e0cf85e0e8b4a799e2f2eb34be4c59a
encoding: FLOAT32
metadata:
{"chroma:document": "I have actively used one of their retailer rewards credit cards for over a year. I've never been late on a payment. I have a very good credit rating and low revolving debt ratio. Due to the fact I applied for credit on another one of Comenity's retail cards, they ran new credit check on me. Since I have 2 or more credit checks in the past year, they AUTOMATICALLY closed my existing account that is in good standing, with no consideration of my account history. When I called and spoke to someone, I was told something to the effect 'these are the rules...we encourage you to reapply'. Now, I have \"Issuer Closed...\" on my credit history and my debt ratio will bring my credit score down. As a result, this retailer (my favorite retailer) is losing my business and my credit repair efforts using this account are no longer to my advantage."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9ab4ac4bc6274a61ad7f0924fd72688a
encoding: FLOAT32
metadata:
{"chroma:document": "In March I purchased item from Pier 1. Was going to return item but covid happened, so keeping it.. Attempted to pay online, but had so many issues that I called payment in. I was charged $45 late fee by this time. I freaked because I have excellent credit score. They did dropped $15. Gave me an estimate of total and I paid it all but $15 and some change. I called in payment next month and paid card off. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bee62f4074b64fa18be90e9023ef0dc6
encoding: FLOAT32
metadata:
{"chroma:document": "Terrible company when come to customer relationship and customer services. I made a purchase through Wayfair using their credit card which was powered by Comenity Bank. I had a promotion rate for a year from Wayfair and Comenity Bank stated it was 6 months. I called several times to have the 6 months changed to 1 year. They refused even after filing a complaint with BBB. I was still charged over $100 for $724. They ever used them. They are terrible, unreasonable and inconsiderate."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 90cbb176034846f69c5049564fda6330
encoding: FLOAT32
metadata:
{"chroma:document": "This company and its affiliates are nothing short of disgusting, if ever there was a company that should be investigated for blatantly taking advantage of the vulnerable, this is it! I paid my account on time every time and because the due date and \"promotional date' were different (no doubt by design) I was hit with the total interest ($749) for the year. They also do not let you schedule more than one payment at a time, literally every tier of their system is set up to make the consumer fail, as soon as that happens they destroy your credit and happily put you further & further into debt. Not once did they call, msg or email to say my promo date was expiring, yet as soon as I didn't pay the silly $15 minimum balance they have inundated me with up to 27 calls a day!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1314a193652d4a35ae939346c9d2ca15
encoding: FLOAT32
metadata:
{"chroma:document": "I found my experience with Comenity Trek Credit Card to be pretty bad. I am currently trying to dispute a finance charge from a promotional deal that expired but it was not clear to me at all. Trying to get on the phone with someone is a hassle. At one point they did not return my message in over 10 days. They have mastered the art internally of avoiding people in hopes that you do not call back by making you start from scratch with automation each time you want to call. I will never use this card again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a69bbb108f849e1af55809cf578e8bf
encoding: FLOAT32
metadata:
{"chroma:document": "Considering of purchasing an Ulta Comenity Bank Mastercard \u2013 Please read the following and all the other reviews rating them 1 out of 5. 5 being the best rating. I obtained an ULTA Mastercard because I received a one-time discount on my purchase at Ulta Cosmetics. Every month E-mails from Comenity Bank Mastercard kept pushing me to \"go paperless.\" I did not want to give them the tracking # on my checking account, so sent in a check for a the total of that month's charges (a very small amount) as soon as I received the statement in the mail. They charged a late fee because they did not get my check by the \"due date.\" However, the statement from them was late getting to me. I sensed this company was not \"legitimate,\" by my observation. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 46d2efb6cc0d4dd893de8f4cbaf16812
encoding: FLOAT32
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{"chroma:document": "I woke up to my account being closed and no one informing me the reason why. I called and the rep said, \"WE CAN CLOSE FOR ANY REASON LIKE YOU CAN.\" I said okay was there something I could have done? Is this some kind of assessment? The rep said Yes Comenity does risk assessments on accounts and if they dont like something on your credit report or if something was just added to your credit report they can cancel you at any time. I informed her why would they care what\u2019s on my credit report AFTER they approved me? She says company policy. My score dropped 30 pts. I even had insurance on my card so when I couldn\u2019t pay due to COVID 19 I was covered for 6 months. I was making small payments when I didn\u2019t have to because insurance covered me for 6 months and they cancelled me while being insured with their CC!!!! WTH!!! Why offer pandemic assistance then cancel someone\u2019s account which is covered by the Assurant insurance. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 726b7e14ff2544f98ffeb756685bf8e1
encoding: FLOAT32
metadata:
{"chroma:document": "Been trying to resolve a charge on cc for over 5 months ... Over 20 hours on phone and over 20 communications secure email, email, phone calls, and actual letter providing all information. They are now trying to add interest and have posted a negative credit report... I need to get a lawyer involved to deal with all this heartache... Do not do business with this bank. They are horrid at customer relations .... Over and over I need to repeat what is going on. Over and over they say they will fix it then nothing... Be aware I would give a zero rating if it was available."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4f84e283c95e4919b5e0641cc8c7ba4b
encoding: FLOAT32
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{"chroma:document": "Mariah, a supervisor, was condescending and unwilling to help with a late fee that was assessed because it was processed after 6pm. We will never shop at Kay again because of the level of terrible customer service. I tried 3 other individuals who were just as unhelpful."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d04411e2909847e6a6a17f2c480c14cc
encoding: FLOAT32
metadata:
{"chroma:document": "I'm am not going to go into why this company has been so bad, as I have wasted enough time dealing with them and still have to call again but needless to say, unless you want a lot of trouble and headaches you want to avoid them at all costs! Academy Sports is where I got the wonderful opportunity to deal with this ridiculous company!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4fea8019752846b3960be39ccb80089d
encoding: FLOAT32
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{"chroma:document": "I recent received in the mail a letter saying my request for information on my account was granted. With the letter came all my statements for the last year (I did not request this information). I later got notified by various credit monitoring sites that my account was closed. After several attempts at contact I finally got someone on the phone. They told me my credit score was the reason for closing my account. Granted I just finished fighting breast cancer over the past year so my credit wasn\u2019t stellar but my account was in good standing. Just paid off the balance in May and my limit was $800. Come to find out after the fact that NY&C is closing all of their brick and mortar stores. This is infuriating that they are trying to put the blame on me and my credit score when my other Comenity account with Victoria\u2019s Secret is still open. I even used it the same day I called to be sure. They claimed they sent me a letter stating why it was closed which I still haven\u2019t received (I did move recently so it could have gotten lost)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 695c206edd054bb288cbff8f1395771b
encoding: FLOAT32
metadata:
{"chroma:document": "I paid my entire balance by the statement cut off and they still charged me $2.20, hoping that I would think the account was paid in full and thinking I would miss the payment and they now charge $45.00 late fee on their accounts. I purchased my wedding rings at ZALES and Comedy (misspelled on purpose) Bank kept reducing my credit limit from $1200 to $150. They got me a few times by changing the due date then telling me I was the one to change it. That's how they make their money. Blindsiding customers. I wrote their board of directors to no avail."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef955641664b430ba69090ac526fdd8a
encoding: FLOAT32
metadata:
{"chroma:document": "I just received an email from a credit monitoring company that my account for NY & Company was closed. I called Comenity and was told that because I hadn't used my card they closed it for inactivity. My payments were made on time always and my account in good standing and yet they felt the need to close it and not give me any prior notice that they were going to do it. I am seriously considering canceling any account I have with them because of this. Bad, bad practice on their part."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de2ce7de04ce4e069f766f4c19a92c16
encoding: FLOAT32
metadata:
{"chroma:document": "I home shopping, so I monitor my credit closely. Much to my dismay, I received an alert my Wayfair account has been closed. It had 0 balance/always good. It has now negatively impacted my credit. Never again with that company. Disappointed, they lost a good customer and I will not recommend them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 226e8cdb85144158986fdb8b942fb2b7
encoding: FLOAT32
metadata:
{"chroma:document": "I have 4 Comenity credit cards. Talbots, Ann Taylor, Ulta and Victoria's Secret. For 4 years. PERFECT payment history. In the last few months I paid down chunks of debt on all 4 to raise my credit score. They LOWERED my credit limit on all 4 accounts by $500 EACH, thereby RAISING my debt to available credit and TRASHED my credit score. They CLAIM my credit score fell in June. It did NOT. It has done nothing but go up. I checked with Equifax which is who they use. I mailed in PROOF that their claims are false and got an auto letter back telling me to call customer service, who did nothing but give me the runaround and tell me NOTHING. I will NEVER charge another DIME on their cards. LIARS."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 036ee52cdab246628c2526d8a3a52f7d
encoding: FLOAT32
metadata:
{"chroma:document": "Paid Comenity/AnnTaylor Mastercard bill by check for the amount of $52.77 and they took $5277.00 out of my checking account, I was notified by my bank that they had covered the check but now my account is overdrawn and the bank charges a $35 fee and an additional $5 for everyday that your overdrawn, I explained to my bank that the amount they took was wrong and it should have been fifty two dollars not five thousand two hundred and they told me I had to contact Comenity Bank, I called went through the automated system to find out that I have a $5224 credit on my card, then I speak with a customer service representative which in fact tells me that they had made a huge mistake and it was caught and they had credited my charge card, I explained to them I didn't need a credit. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bcfd8d321eaa478ea57c5ee8bba43d2b
encoding: FLOAT32
metadata:
{"chroma:document": "I have an account that I've been unable to make payments on the last two months because my husband has been out of work due to Covid since March. I spent HOURS on the phone..waiting, being transferred repeatedly, disconnected, hung up on and having to state my situation over and over again countless times during a call lasting hours. I had a payment that was not authorized, taken from my $1 balance bank account after being told the payment would not be taken. I called to find out why and how they could do this to people right now and was informed there was no record of my several recorded calls. There must be federal guidelines to make this type of action illegal during this unprecedented period of difficulty for consumers. Taking money that was not authorized from an account with no balance. They shouldn't be able to sleep at night taking food off the table of so many struggling right now. Sad and inhumane treatment from this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: abc52fd05ca64a9990e1c4d607c90024
encoding: FLOAT32
metadata:
{"chroma:document": "I refuse to finance anything with a business that uses Comenity in the future. I have closed my Williams Sonoma, Victoria Secret, Pier One and JC Penney accounts and paid them in full. The latest is Pier One -- I missed their 8 p.m EST deadline by 5 minutes. They refuse to waive the finance or late charge as I did not have an \"open account.\" The customer service representative -- after you had to go through a litany of options -- kept repeating her \"script.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e0161939bbc42b9bf3d5e7ffa4b464e
encoding: FLOAT32
metadata:
{"chroma:document": "In closing accounts for a family member, I had the displeasure of working with Comenity Capital Bank. I followed all of the proper protocols to close accounts immediately upon receiving death certificates, etc. Upon closing the Comenity account following their exact procedure, I received a letter addressed to the decedent at my home address (which I had put on file with them- showing that they had made the changes and had the death of this person on file and had even gone so far to put my address in place) that there had been fraud on the account and that if as the decedent didn't contact Comenity within 30 days, the account would be closed. Hmmm.... I called the number stated on the letter, and no one could look up the account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ab57607c92a425c99e2de370707d315
encoding: FLOAT32
metadata:
{"chroma:document": "I opened this credit account to purchase a new bicycle during Covid-19. I was approved for 6000$ credit limit, paid more than the minimum, had the card for not even 2 months, and today I get a letter saying they are closing my account because of credit inquiries on my credit file? Why do you care what is going on with my credit file or my inquiries AFTER you opened my account??? How can you just close someone's account like this with no explanation, when the account is in good standing and being paid on time??? Shame on you for doing this during COVID, cancelling people's accounts like that. If you are thinking of getting this card, think again, not worth the trouble."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e003a542147b41c6806cb175edbbf5bf
encoding: FLOAT32
metadata:
{"chroma:document": "I called Comenity Bank customer service regarding my Zales account. I ordered a customized Air Force ring for my retired husband last year for his birthday. In October my husband passed away. I continued to pay on the account and had a balance of $46.91 that I was going to pay off and close the account July 15th, not knowing that I had to pay it off on July 9th to avoid the 12 months accrued interest rate of $235.00. I noticed this today July 13,2020. When called a spoke to the account supervisor Ryan I did not receive any sympathy, I was told he would not waive this additional fee. My son stepped in and paid this ridiculous interest fee but I just have let everyone know how cruel and heartless they treat a veteran's widow."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e9b5de61d3744fc9800c7558d494961
encoding: FLOAT32
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{"chroma:document": "I started this savings account and made it a \"joint\" account with my wife. When I continue to call up they won't talk to me and say my wife is the only person they will speak to for any changes to the account because she is the \"on-line\" person. BS. This is a JOINT account savings and each of us should have the ability to do whatever. I WOULDN'T BANK HERE AGAIN IF MY LIFE DEPENDED ON IT."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5fa16e7f150b4a74a260d80900649ad1
encoding: FLOAT32
metadata:
{"chroma:document": "I am BEYOND frustrated with the customer service of this company. I recently paid over 2000$ to be able to close my account. The day it hit zero, I went online to make sure it was a 0.00$ balance. Called immediately to cancel, spoke to a gentleman and within a few minutes he said my account would be closed. Thought my problem was solved. WRONG. A few days later I get an email saying I have a 10$ balance. HOW? I again immediately call and speak to a woman this time who says it's \"interest\". Interest on what???? She can't help me close my account until that is paid. Well, I'm not paying that so I ask to speak to a supervisor. She puts me through to said supervisor who sees that I made a 2000$ payment so that I would get to a zero dollar balance. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1efd22cd3e9f4270ac4728f67c704b73
encoding: FLOAT32
metadata:
{"chroma:document": "My experience with Comenity is through an Iddeal Jewelry CC. I was given a balance that met the price of my wedding ring, with 0% int for 3 yrs. One month I scheduled the payment a day after the due date and received a late fee (which they nicely reversed). 2 months later scheduled a payment 9 days in advance to be pulled on the due date. At that same I just decided to cancel the scheduled payment and create an automatic payment, again 9 days in advance. Well the due date came and went, and about a week later I started seeing emails about my missed payment."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 65d5f78c54bc42048483c3cb3ab62550
encoding: FLOAT32
metadata:
{"chroma:document": "I wrote to complain that they charged me a finance charge after I paid in full before the deadline. They wrote to say to call them. You can not get a live person on their phones. I wrote again to say that and then they told me I authorized them to close my account on 6/24 which I did not and they can not do anything about the finance charge. Funny thing is I placed a charge on 6/24 so that would be a lie."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8d3fa64a718643ac92f945cae61b492f
encoding: FLOAT32
metadata:
{"chroma:document": "I had an Ulta card for 3 years. Never late ever! Always paid more than minimum. COVID 19 strikes. Suddenly they cut my credit line. That so impacts my credit rating! Then they do it on another card backed by them, Williams Sonoma. Same thing. MY credit score went from 697 to 588. They are awful!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cbd43a633d2642ed8673401c937ad4fb
encoding: FLOAT32
metadata:
{"chroma:document": "Absolute horrible customer service. Add non negotiable fees to excellent paying customers with great credit scores. I switched banks after over 25 years. I thought I had updated all my accounts that I have set up to pay balances. Due to the fact that I do not use or carry a balance on my Express charge. I made a minimal charge. I authorized Comenity bank to pay balance. The charge bounced bank due to close account. I contacted them ASAP to give them my new account information. It was a oversight. They would not waive the return fee and added another late fee. They were rude and had absolutely no problems with losing a good customer. They would not negotiate whatsoever. My balance charge balance was paid but I was forced to pay their $64 fees. I closed my account and will Never deal with them again!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2763535d9a8b4dcda78f397b3985f195
encoding: FLOAT32
metadata:
{"chroma:document": "A credit card is meant to provide funding for a limited time, but very few people think a the bank will STEAL from them. That's exactly what Comenity has done. The scam works like this: they take your payment check, and cash it, but they don't apply the credit to your balance. Instead, they claim you missed the payment, then they charge you a LATE FEE. When I spoke to customer service, along with a copy of the check they cashed, they told me that I should make another payment so that I do not get another late fee, while they investigate??? OK, so I paid off the total balance. It has been 4 months, and not only have they not investigated anything, they also have not contacted me, and supposedly there is no means of communication with the \"department\" that \"investigates\" this kind of thing. Apparently, they are swamped with investigations for stealing customers' money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dbf3a1aca5ea44a1853dc936cac6dd10
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metadata:
{"chroma:document": "I have been using Overstock Credit card for years. Comenity Bank services these credit cards. Their policies are very strict and unlike other popular banks they will make sure they collect the interest on your promotional balance if you missed the payment or made the last payment on a due date after the promotion date. So always make sure you do your due diligence. This Credit card is really like any other but if you do not understand how promotional interest works and credit card 101, then use cash. Here is a tip, if you have a 12 month promotion. Take the balance due and divide it by 11, then let's say you get a number such as 53, round it off to 60. So instead of making the minimum payment which is usually like $35, you will be making $60 payment and getting rid of the promotional balance way before it expires. It's your money, be diligent."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d2d0b7cb8fe84705ab7db16ed60842cd
encoding: FLOAT32
metadata:
{"chroma:document": "I haven't ever had a single missed or late payment, and Comenity charged me a ridiculous (and sizeable) finance charge on a debt that has already been paid in full. I am definitely canceling my account. I urge you to never bank with them. They are thieves who don't care about the customer at all. I called and explained (patiently) that the reason my final (autodraft) payment occurred after the deadline was due to a glitch based on their own billing cycle. Even though they acknowledged my perfect payment history, Comenity didn't care. They only cared about charging that interest. They clearly just want to squeeze an extra $500 out of me before I close my account (which I assured them I definitely will). "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8701c17c08114f51bbb584331939579d
encoding: FLOAT32
metadata:
{"chroma:document": "Worst customer service I've ever experienced. Rude and only care about finding ways to slam customers. Have multiple cards thru Zales Bealls Victoria Secret but hopefully those companies switch as I will be canceling all these cards. Please be aware go elsewhere. I am not a non payer they hide fees and late charges on those paid in full to gain interest and hidden late fees. And agents beyond rude avoid at all costs"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11149fe8c6cb45c8a6e8fd6559606287
encoding: FLOAT32
metadata:
{"chroma:document": "I continue to experience problems accessing my account with Comenity bank, over a dozen times after trying to use my password, It always come up, wrong password! I have a total of 3 credit cards with comenity, this happens with every card. After several calls to their customer service regarding login issue, the problem has not been resolved. Ugh."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9d7009ef4c9d44958ae04cef26330225
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a Christopher & Banks credit card for several years and have always made payments on time, including now. I paid and Comenity Bank received a substantial payment from me as shown on their website. I currently owe what amounts to 1/3 of my credit limit. When I have tried to make a purchase online, it is declined and I am instructed to call them. I do not hear that well on the phone and prefer things in writing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a55d9f68103447929bd0ded9c83e59b0
encoding: FLOAT32
metadata:
{"chroma:document": "Cashier at Century 21 push to open a credit card so I can save 10% equal to $10 and when I tried to pay on the phone they charge $9. Also I returned a sweater for $25 and they didn\u2019t discount for my statement and charged me with late payment, interest fees, etc."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e771b1b78f9f4d8385315f01723e80f1
encoding: FLOAT32
metadata:
{"chroma:document": "Seriously, run away from these people, they take your money without asking, with fees even if you pay in a full. Terrible experience, late fees, interest fees also if you pay in full thousands, as I do and if you called them they would give you a 15 dollars reimbursement for the $30 late fee and $0.16 for the $59 financial fees. Yes 0.16\u00a2 no $16, the problem is when I sign up for my BJ's credit card, the bank was Barclays, and then they change for these thieves."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5682b91c86d04c9fa4888744c4c1d84a
encoding: FLOAT32
metadata:
{"chroma:document": "After keeping my account current, making payments on the balance over the minimum payment, I requested a credit increase. Instead, they decided to lower my limit TWICE over something that was settled over 6 months ago. I called the customer service number provided, only to be told that I needed to dispute the issue with the credit bureau, that they could and would not help me. Unfortunately, the bureau that they claim to report from doesn't even show the account on my report, so I can't even dispute anything. I'll take great measure to make sure I never have another account with them again. They have caused my score to drop twice from these decreases, and it bumped me out of getting the mortgage that I have been working hard to get for the last 5 years. It's sad how they treat the people that make their paycheck."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1a9b66ffd2394c85a1818cb00026f42e
encoding: FLOAT32
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{"chroma:document": "Nightmare! Scam #1, We received notice our deferred payment loan was due in less than 90 days ONLY after we went online to make a payment, it was actually due in only 10 days! Thank God we paid the monthly payment a week before it was due or we would have been hit with 26.99% interest (surprise!) for 18 months if we had waited until the due date. BEWARE, trick #2, payment does not clear for 72 hours or more."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 502d5fdb685e410bbd00cf4b159b1789
encoding: FLOAT32
metadata:
{"chroma:document": "So, I had an account with them since 2013 that was in really good standing and it was abruptly closed without my knowledge. And when I tried to reopen that account.. apparently I only had 1 week from when it was closed to try and reopen it. Yeah, that would\u2019ve been nice to know cause I literally found out that it was closed from looking on Credit Karma just a couple days after the 1 week period. So, don\u2019t do business with them. Go through a different bank and save yourself the trouble."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 43504838b966461d9ea6d00982a4adf9
encoding: FLOAT32
metadata:
{"chroma:document": "Got a MySmileCare account issued by Comenity bank as a promotion for \"no interest\" financing by my dentist if paid in 12 months. Paid the remaining balance AS LISTED ON THE STATEMENT, but then get get a new bill with additional charges and fees! Statements are designed to be vague so you will miss proper payoff balances! BEWARE - don't fall for this deception. Better to pay with a legitimate credit card, not this fly-by-night two bit bank!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a9d1acc426a74cdbbcd5124bf499e0c9
encoding: FLOAT32
metadata:
{"chroma:document": "Per research, Comenity Bank was advertising savings interest rate of 1.6% APR. Transferred $100 to bank effective May 13, 2020 to open account in connection with the maturity of large CD at other bank. Sent a chat message online on 05/12/20 for information on setting up beneficiaries. Received response the same day from Danelle with instructions for download of pdf to add beneficiaries. Sent additional chat messages regarding pdf issues on May 13, 14, 17 and 19 with no response. Each time the chat window opens, three agents are listed that can respond to the Chat. Bank customer care automated phone service would hang up after indicating not able to take calls. Finally spoke with a customer care agent at 833-755-4354 on May 19 at 5:53am and was informed account could be closed after 10 business days. Closed account 05/27/2020. Savings interest rate dropped to 1.45% APR on 05/26/2020."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6819a5a46203464a98a0c6fc95e5a17b
encoding: FLOAT32
metadata:
{"chroma:document": "Exorbitant charges over a period of 10 Months. I have charged a total of $34.31 from Aug, 2020 to now May 2020. I have paid a total of 333.22 in late payment charges, and interest during that time. In March of 2020 I paid what I was told was the balance of 165.69 and I asked to cancel the account. This payment was made on 3/12 for a due date of 3/10. They did not tell me about the $40.00 late fee. So the next month I was charged 40.00 + 3.59 interest. The next month 35.00 + 2.00 was added. This month 40.00 late fee + 2.00 interest. Since I had paid what I thought was the balance (165.69) on 3/12 and had asked at the time to cancel my account, I was unaware that they were still charging late fees thereafter. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 24cc7072be3644eabe5f2975cf150033
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{"chroma:document": "Horrible customer service! We received a late fee for a payment that was paid in full one day late in the middle of the global coronavirus pandemic, at a time when many companies were going above and beyond to be flexible with payments. However, we received an email that said \"Thank you for your timely payment,\" which I assumed meant they had the good grace to accept our payment one day late. Instead, they sent ANOTHER late fee the next month, and said we owed $64 in late fees for a statement that was paid in full. I spoke to multiple \"customer service\" agents and \"supervisors,\" and no one was able to refund the late fee. Even when I said I'd cancel the credit card and never do business with them again, they refused to budge. Absolutely ridiculous."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7cdefc2ed43b4c188023f07ffeac566b
encoding: FLOAT32
metadata:
{"chroma:document": "I have had many credit cards with this bank for many years. I pay online through each store card\u2019s app. In the past year they have lowered and closed most of my accounts as I make payments and they make it extremely hard to make a payment as every time I try to access my account they say my password and user name is wrong. I must have reset each one about 15 times. Now they want me to include my account number which they never give me because I don\u2019t receive a card and it\u2019s not on my paper bill or my credit report. Hence they are wrecking my credit by not letting me make my payments, adding late fees, lowering my credit limits and closing my accounts. Don\u2019t ever use this bank. As soon as I pay the few I have left off I will never apply with them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 65e6968ce081462786fe114d3b1825a1
encoding: FLOAT32
metadata:
{"chroma:document": "Received a letter dated 5/11/20 that Comenity closed my account. If I have a problem with that here is a number for the credit reporting company. Tried to call Comenity with the number provided and all I got was a pre-recorded message telling me that I can apply again to get another card. I have contacted them thru the website listed on my statement and told the same thing. I didn't use my card in the past month/month and half. I have a 0 balance on my card (paid before the COVID-19 shutdown). Soooo, because we didn't run out of makeup or hair stuff while in isolation and didn't go online to order more stuff they closed my account? I did go online to Ulta looking to order some products but they were out of stock. Yet they have messages on their website that if you are having issues with payment they will help you out. Wow, just wow."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bda3562c26f9463d855883ee4628b571
encoding: FLOAT32
metadata:
{"chroma:document": "After a year of on time and advanced payments I was hit with over $900 of added interest charges. Even after I paid that off fully they added another $38. Glad to get RID of them. I would avoid doing any business with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a185360d89db443ea193a8a155ef54be
encoding: FLOAT32
metadata:
{"chroma:document": "I was approved for the ideal image promotional credit card. 0% interest if paid in full before the promotion ended. I made my last payment and the payment due date fell on the weekend. Because the payment was released on the weekday from my bank I was charged all the interest on my original purchase. They refused to do anything about it even though it was not in my control. I decided to pay it off in 4 separate payments (1 payment every week). I got a bill from them stating I owed them $16.12 in interest charges because the last payment was made after the due date. My payments were not late and I paid more than the minimum payment. I paid the $16.12, but requested my account be closed. I have 3 different credit cards that use Comenity. I am closing those 3 cards as well. I will stick with my Discover card, that gives me money back and doesn't charge interest on interest charges."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7f0c90f67a4d46329eb7f6483cbf5fed
encoding: FLOAT32
metadata:
{"chroma:document": "You guys need to have a negative star rating option, because they don't deserve 1 star. Paid off my account IN FULL in February 2020. May 2020 I get a statement in the mail that I have been charged late fees for two months. I did not receive any statements in the mail after February. Even after I called customer service, told them I had the bank records and online payment snapshot of the account being paid IN FULL in February, they refused to reverse the charges. Rude and condescending. I paid the lousy $27.48 they said I owed and closed the account pronto, and requested an account closed letter, $0 balance letter and confirmation that the account was closed at my request. Last penny they will ever get from me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e55fa5f8ff954a508076759d38a306d9
encoding: FLOAT32
metadata:
{"chroma:document": "We paid off card balance in June 2019 and closed the account. 5 months later I received notice they had reported us to the credit bureau for later payments. The bank stated we owed \"trailing\" fees. I paid the fees of $90.76 and was told there would be no further charges and the account remains closed. Note I never received any addl bills in between. Today we receive a call from Comenity stating we owe $70.36. Again for \"trailing\" fees which started at $2.00 and continuing with late fees for non payment. I then spoke directly to the bank and they refuse to remove these charges. Why are we charged $2.00 fee on a closed account. They said there is nothing they can do. We again need to pay $70.36 and $2.00 fee on July 2 which they say will close the account. What? Again this is a closed account. How do you fight banks like this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cdfdffb8859546c99e360423c02549c5
encoding: FLOAT32
metadata:
{"chroma:document": "I had an existing balance on my account with an associated 0% interest. Then I made a purchase on the card. A few days later I credited the account the full purchase amount, and later that month, I made my normal payment to prevent any charges. 2 months later I see that I'd been fined 2 interest fees. After being on the phone for 45 mins. They tell me that it's all \"correct\" and I should have waited to pay off the purchase amount. They were not interested in trying to correct the error, and only refunded me 1 of the interest payments. Very disappointing, when it is absolutely clear what the intention was."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: de0ac0a12a614e93b780c1f22c76de12
encoding: FLOAT32
metadata:
{"chroma:document": "I have had an active account with Comenity for years. For the last year and a half, I have had a $0 balance. Last week, I received notification from my credit monitoring service that this account just closed. Why? I checked my email inbox, I even logged into my account. No information on why the account was closed. Technically the account isn't 'closed' it just has a $0 available credit. Thank you for your superior service (sarcasm) and goodbye."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8d52cd7da5cb45aab7967a68b9f40505
encoding: FLOAT32
metadata:
{"chroma:document": "Had a $92 balance on my card that I paid via my bank in June 2019. The payment was never applied, so I called in July 2019 and the representative said he sees the payment was not posted and that he would take care of it. In August I get another bill with interest and late fees. I called Comenity again, says the original payment was never posted, but I could pay over the phone and he would remove the late fees and interest charges. Comenity reported to the credit bureaus and my credit went from #856 to #760. Called today and they have no record of my phone calls. So lesson learned, NEVER get a credit card from a store ever again!! Sticking to my Discover card for all purchases."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1a7244215af242d08b9c8e67957cf664
encoding: FLOAT32
metadata:
{"chroma:document": "Like so many others here in the past weeks, Comenity closed several accounts with no warning. Fully paid just not being used. Hit my credit rating. Problems are at their end not mine. Totally unprofessional."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9bcd9c0f226749c2be94a05cc457a975
encoding: FLOAT32
metadata:
{"chroma:document": "LOSS LEADER savings interest rates. SUCKER is what they've made me feel like twice. This time they lowered the savings interest rate from 1.70% to 1.55% less than 5 days after I opened an account! In addition, it's hard to get anyone on the phone there. I've learned my lesson this time and leaving them ASAP."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef4895207b964643a402361cb2505b77
encoding: FLOAT32
metadata:
{"chroma:document": "13 years good standing, $0 balance. No warning, account closed 5/7... Today is 5/14... Nothing!!! Just walked out of running a code, short staffed, performing 2 jobs since I have 2 licenses, to an alert from Credit Karma... Comenity Bank closed my account and dropped my credit score. That good ole proverbial pat on the back. Daily battling fears and depressive situations, trying not to break under the stress... This sends you to the corner, on the floor, rocking in silence because you don't have the strength left to be angry or any emotion inside to cry. Thank you to Comenity Bank and your supervisors for informing me you have the power to close my account without reason and economic distress is not considered."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 249c0091d4b34b8f83f7a92fcebb5252
encoding: FLOAT32
metadata:
{"chroma:document": "DO NOT GET A COMENITY CREDIT CARD OF ANY KIND!!! I got a David's Bridal card 2 years ago and within weeks of paying my card off they closed my account. I got double hit. One for opening a card and one for the closing my account. I have HAD a Victoria Secrets credit card for the last 4 years. I have never been late and have actually had a $0 balance for the last 2 years. I just got a notification they closed my account without any reason. I have excellent credit and have been in good standing with all of my accounts and now my credit score has gone down 11 points because of them!!! Shame on them!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 54ce9a1adfea41b9bb930c2442fea103
encoding: FLOAT32
metadata:
{"chroma:document": "Both my VS and Ann Taylor cards were closed without ANY notification whatsoever within a week of each other. Why? They had $0 balance and I certainly plan to use them again. Why would a bank close these without even a single email notification? Both of these closure negatively impacted my credit score. I am so mad! Even calling their customer service number was no use! They have an automated recording that simply says, \"if you are calling because your account was closed, please apply again.\" ARE YOU KIDDING ME? I will NEVER apply again. This is ridiculous!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8191c82756a54b96a47642682a591241
encoding: FLOAT32
metadata:
{"chroma:document": "During this Covid19 crisis. They are closing accounts with perfect standing just due to zero balance. They closed both my wife and my accounts with no notice. So this affects our credit score. Then the contact number basically says the account is closed. Feel free to apply again. This would affect our credit score again. Terrible at any time, but now in particular due to this financial crisis."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d8ab554ae5a4efea258a26d7a11c13a
encoding: FLOAT32
metadata:
{"chroma:document": "Don't apply for any cards affiliated with Comenity Bank. I've been with them for months and paid off my accounts with good standing. Then I get an email that they closed my Sephora account for no activity use. Well if I don't need it, because I've had money to purchase cash don't mean they should close account for no use. That affects people credits. Well I called today and cancelled my credit cards with them effective today. It will probably affect my credit a little, but I know it'll be fixed again in 6 months. So I'm not worried about it and plus I'm glad I don't need those store credit cards anymore and don't ever need them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 05a010fdfd53452896bb07617d69467b
encoding: FLOAT32
metadata:
{"chroma:document": "I just realized I was charged again for late fees in my account where in fact I already paid in full last March 2020. Today, I received a text from them, \"we keep missing you, call Comenity Capital Bank RE: C21 Status Credit Card ...\" I did not even receive any notification not even an e-mail that I was being charged again! This is horrendous! The last same text I received from them was March 29, 2020. What is the month now? It's already May 10th! When I called today, the agent I spoke with is not even a great help! I complained about not receiving a notification and he said it must have gone to your SPAM! WOW FOR REAL! SPAM! Who checks their spam? We are talking about money here. This is their way of stealing your money!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a6a39fa303c41cca2850d338da20a4e
encoding: FLOAT32
metadata:
{"chroma:document": "I have fallen under hard time with hours being cut during COVID-19 and made my monthly payment 6 days late, not even 10 days which is grace period. Comenity charged me $29.00 late fee. Comenity advertises when you sign onto your online account \"If you need assistance during these turbulent time to contact us and we will help you.\" "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b20afa366e3f41c5879b548becaee1f3
encoding: FLOAT32
metadata:
{"chroma:document": "I have had a Hot Topic store card issued by Comenity Bank for several years. No late fees ever, haven't had a balance in over a year. Received a notification from my credit monitoring service that this account was closed by Comenity. I immediately called them and was told it was closed due to inactivity. I asked if it could be reopened. I was told no because it had been over 15 days and they can only reopen accounts within this time period. I asked when it was closed because I didn't know until this morning. She stated April 24. Today is May 8. I said, \"Ma'am that's 14 days\". She said, \"Sorry it's over 15 days\". WHAT? I asked for a supervisor. Once connected she tells me that I would have had to have made a purchase by April 22, THEN called Comenity by the 24th of April to request the account stay open for the account to remain open. WHAT? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 377606a9d07c41f8a3f661a28c02abe0
encoding: FLOAT32
metadata:
{"chroma:document": "I got this card in December 2019. Made about 3-4 purchases since then. Never received the physical card, which was weird but Ulta said I just have to call and ask for it. Then I get noticed my card was canceled. Why?? I never missed a payment...never was late. Why cancel my card? I have great credit so not sure what happened. Seems like they are doing something to everyone during this pandemic. Now I\u2019m pissed cause it dinged my credit for an account closing!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 03002554040645aa848cfda7dde655fe
encoding: FLOAT32
metadata:
{"chroma:document": "Worst bank ever!!! Stay away from these credit cards given out by small businesses. This bank hides stuff in small print and will not work with you at all. I will never buy from Jared Galleria of Jewelry as long as they are using Comenity Bank. The bank divides your payment and tricks you with small print when the payoff is due. Read your statements carefully because this bank will not work with you at all. Even during a Pandemic and I'm not working!!! 2,549 complaints with the Better Business Bureau can't be wrong."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7f5bd1753ae74d2b8255ac03e2f79575
encoding: FLOAT32
metadata:
{"chroma:document": "I had a Sephora Card through Comenity. Like many others they closes my account after raising my credit limit and perfect payment history of paying my balance in full every month. They already have a low rating because this is happening to everyone. However, since so many stores use them, I contacted Sephora and let them know that while I love their store, I will no longer be shopping there. If they change who they partner with, I would happily come back. Until companies stop using them, Comenity will continue to screw over the unsuspecting customer. I hate them. I will never get another card with them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 63a801bb3dda41e9b8a08851458a9b87
encoding: FLOAT32
metadata:
{"chroma:document": "Steer clear of this bank and their store-branded credit cards. I had a very high limit on one card I had with them. Without notice or warning, the card account was closed. I was not even notified by Comenity. It was Credit Karma who notified me of the closure. When I contacted them, they claimed that since I had only made a single purchase within the past 60 days and no purchases for about a year prior to that (I don't like carrying a balance if I don't have to), they closed my account. I have a perfect payment history and absolutely no blemishes on my credit. I would think that I would be the kind of customer they want to keep. I was told that if I still want an account I can apply for another one and, if approved, get a shiny new card and all the wonderful benefits. I think not. Never again Comenity. Thanks for the ding on my perfect credit report that now shows a single account \"closed by the credit grantor\". Again, this is not a bank you should be doing business with."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b4b64eb0cb0d41749754532190b9119b
encoding: FLOAT32
metadata:
{"chroma:document": "I was shopping Overstock and had added things to my cart to order later. As I was closing out of the online window, a message popped up saying I was pre-approved for an Overstock credit card and to click through to provide quick, basic info to charge my (small) items on their card. I did so and 60 seconds later received a decline message. When I called the company to complain, they said their system is not functioning correctly. Well ok, I just wasted a credit pull and score drop for nothing and no one can tell me why I was approved and then immediately declined. Needless to say, I cleared my cart and ordered elsewhere."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a11cdec438548e69eff15801c3e9f99
encoding: FLOAT32
metadata:
{"chroma:document": "I made 2 purchases on 3/2019 and 10/2019 under a Promotional Rate of 0% interest if paid in full by specific dates. I paid BOTH bills monthly, on-time, with an \"Immaculate payment history\" per the Supervisor at Comenity Bank/Wayfair. I paid BOTH purchases off BEFORE the the expiration date of the Promotional Rates to avoid interest fees. Yet I received a new statement that I owe for the interest fees because I did not call Comenity bank/wayfair to specifically tell them how to allocate the funds paid. I have filed a complaint with the Attorney General's office as well. This is criminal!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 06a19f45ae5b4d9fb63a2e5e373f7e91
encoding: FLOAT32
metadata:
{"chroma:document": "3 weeks ago I received a letter  from Comenity Bank asking me to send a copy of my ss#, passport, driver's license, birth certificate .... because of possible fraud on my account. (On March of 2019, thanks to my federal job and our lawyer I received a new ss# because it was used by another person for 20 years so you can understand why I can't trust a letter.) I guess Comenity Bank is handling \"big lots\" store credit which I opened to build my new identity last year. I paid everything on time, did everything right. When I called and asked about the fraud which  obviously scared me, the man spoke to me down like I did something wrong. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2f1765cb2de542ee953dd03fa02f2f77
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity Bank does Williams-Sonoma credit cards and even if you have an account in good standing and never late - IF they decide you aren't using it frequently enough they will close your account without even warning you or telling you or asking you to use it - etc - they will just close - DIDN'T even tell me they closed it - I found out through Credit Karma informing me and had to write them...it dinged my very good credit b/c I didn't spend enough on their over priced crap...."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 23253b4ff58f444b92b3d8bbc054a1a8
encoding: FLOAT32
metadata:
{"chroma:document": "Today I was notified that my Victoria Secret Credit Card was closed. I have been in good standing with my credit card so there is no reason why my account should be closed. I will be seeking further action regarding this and spreading the word to others not to apply for any credit under Comenity Bank...when you screw your customers you forget that we hold the power to stop business from coming your way...please duly note that..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d146056b8a04473c9291a0b3afa53a70
encoding: FLOAT32
metadata:
{"chroma:document": "Was never late in payments ever! They just decided to close my account for no reason! The worst of the worst banks my eyes has ever seen! They said they can't reopen the account but I was welcome to reapply! Crooks and when you apply that is another inquiry to go to your credit just because they decided to close your account with zero balance on it! Stay away from this bank, horrible all around!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bd9e29f36eab49cfa773f588d3b29a1e
encoding: FLOAT32
metadata:
{"chroma:document": "Have a credit card with $1500 credit, I have a balance of $170 leaving a lot of credit sitting there. Tried to use the card and it was declined. Called customer service and was told my purchase I made blocked my card. I asked why that happened and was told they don't know. Got nowhere and I asked if it's going to happen. Again was told, \"I don't know\". Asked if they are going to compensate me. Was told no."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 54520c8424a44a45bdbb11692bad4638
encoding: FLOAT32
metadata:
{"chroma:document": "Per telcon 4/28/20 After several calls to Comenity bank they continue to insist they can\u2019t issue refund check even though recent statement show credit owed. They said that online order was placed in April when I told them that I didn\u2019t place order and they recently sent a new card. I said that it was impossible since I live along and the card is secured and never used. I want to end all business with this bank. I have paid off other accounts that comenity is affiliated with. My advice is that the employees at the brand Woman Within and comenity bank need to know how to process payments. I\u2019m told that the fraud dept at woman within will close the account and reconcile this account to finally paid in full!! Thank god!!!! dept at"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 560c0afdb51948c2a8e3fcca846bb4df
encoding: FLOAT32
metadata:
{"chroma:document": "I had a credit card with them for about a year. Made a fair amount of purchases. Paid them all off. Most of them I paid off within a month but a couple I paid off after a couple months. Never missed a payment. Never late. Always more than the minimum. I have a zero balance for almost two months. I attempted to make a purchase and found my card with 600 limit rejected. I called them and after a few more phone calls I found out they cancelled my card. They stated due to something on my credit report that told them I was a risk. They stated they mailed me a letter to notify me. I still have not received it. I find this to be absolutely ridiculous. To show me their appreciation for being such a loyal customer they cancel my card? Then the woman asked me if I'd like to put my merchandise on a different card. Absolutely not. And I definitely would not recommend this company to anyone I know to purchase anything either."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac349afcddfc4b09a32b22a007b499dc
encoding: FLOAT32
metadata:
{"chroma:document": "On a $224 balance the bank charged $154 in interest in just 10 days. Whoever is doing the math for this company is a pathetic Genius and whoever approves such practices falls in the same Pathetic bucket. Shame on you and your practices. I will avoid this Bank like the Plague and all the stores that do business with you. Wishing you to get rich on my $154. Buy yourself something nice!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 05db85a7cdc34805b2200456086ac6f8
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity bank practices are not good business. They closed all of my good standing accounts with no late payments always making payments above the minimum. They claim to have a concern of fraud in which they never contact me about. They send a letter for me to provide my credentials and I complied. They closed the account permanently due to \" security concern\". They are unprofessional and very irresponsible in my opinion."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e036db0f855343348b80f3facaf8bdd3
encoding: FLOAT32
metadata:
{"chroma:document": "In just two days, my balance went from $1075 up to $1575. No explanation. Why? I called. After 18 months, their \"promotional offer\" expires. So if I don't pay the full balance off In 18 months, it's an additional $500. From the start, I smelled a rat. While sitting in the dentist seat, I'm getting pressured into these outrageous price options, so that I can get a tooth pulled. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9b3ccee284b84c69a5a0216b5ec95bb0
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had Victoria Secret since 2013. Never late, no return payments and never over my limit. I had a $500 limit in 2013 and it got raised to 3850. April 1 they lowered it to 510 without no notice. I didn\u2019t know that until I tried to make a big order to cheer up family members doing quarantine and was told it was declined, called and I was told it\u2019s over my limit. I said, \"Well no my order wasn\u2019t $3850, it was $519.89.\" Customer service had me contact Comenity Bank. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5bf6cb2cea9c47f7ab38ff592dafb7fc
encoding: FLOAT32
metadata:
{"chroma:document": "I received a \"privacy update notice\" from this bank, about an account of mine they acquired. The account was paid off and closed through the original bank, so I should not HAVE an account with Comenity to begin with, but the paperwork included seems to say otherwise. While trying to confirm my account is closed, I was on hold for 61 minutes & change, before finally caving and hanging up the phone. I've reached out by email, I anticipate the typical \"we need you to call in for that\" response that comes when you're looking for information such as this."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b2f24905a0434c909174c9d2f4b1e10f
encoding: FLOAT32
metadata:
{"chroma:document": "Recently, I received a letter from Comenity Bank stating effective May 30 my interest rate was going up by 9%. Why? No idea. My account was sold to them by Capital One for some reason. With either bank, I never went over the limit and always paid on time. Right now, my card is almost paid off, having a very small balance. I called them and spoke to their customer service department, asking why the increase. Their agent didn't know why and I asked who I could speak with that would know. He put me on hold and went to speak with his supervisor. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 36c6c6b00e194d56a429db0e5a3abe22
encoding: FLOAT32
metadata:
{"chroma:document": "I like many others have gone through a financial crisis, but always kept this account paid. On March 18th I paid the balance of $300 off and went to check the balance only to find out that the account was closed without notifying me!! This bank must be owned by a group of dictators who should consider selling all of their bank cards to Capital One, because they are constantly reducing your credit available on cards that they own, closing accounts without notification to the customer!! Stay far away from ANY card that they own, as they operate like a company under communism... Please consider selling all of your line of bank cards because you are the worst bank ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: df829de6e3894d94bc4bd52d98aed975
encoding: FLOAT32
metadata:
{"chroma:document": "Dealing with Comenity bank is not worth the hassle. I had an Overstock Card, and a Victoria's Secret Card. I lost my job, and was in the process of getting a divorce at the same time. Needless to say, I missed some payments. I did manage to completely pay off both cards to keep my accounts open. I also was in communication with Comenity while I was experiencing these issues. They might tell you they will work with you, but no one offered. I used them and made timely payments to improve my credit. This is since March of 2019. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 583066d3565543af840ce304d7ea2006
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is a fraud.... I have Wayfair credit card through this ** bank, Comenity. They promised promotional zero interest for 12 months but started billing interest on my account right from month 1... When asked the customer is like we are not responsible for it and were absolutely USELESS!... Supervisor of customer care team SHERRY ** promised to find with their superiors on my issue and call me back with resolution but I NEVER received that call back.... WORST BANK I\u2019ve ever worked with, in my life!.. Stay back from these losers!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 56f84c53cee64f7aba73ed2d39ef01bf
encoding: FLOAT32
metadata:
{"chroma:document": "Had the credit card for years through Capital One, which I guess sold it to Comenity Bank. Have made no late payments since Comenity took over the account. Had to use the card during an emergency and card declined. Checked the account records, $1,800 available out of a $2,000 credit line but $0 available for use. Was going to call today to see what happened however I received a revised terms letter in the mail notifying that they'd be changing the interest rate of the card from the current 13.9% which I've had for the life of the account all the way up to 21.49%."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 158ee0cc3ae543ac820edb64b56bd97d
encoding: FLOAT32
metadata:
{"chroma:document": "Run from any business using Comenity for their Credit Cards. They send out a statement with the amount and due date. You schedule your payment. A \"reminder\" of your payment is sent -but they CHANGE THE AMOUNT because you purchased items after the last statement was sent. Then of course - since you don't change the scheduled amount from the first statement - they penalize you for \"not paying the full amount\" that was on the 2nd statement. Sick.... sick and wrong."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 417c84f3ea5c44eda5c5e3696c893b91
encoding: FLOAT32
metadata:
{"chroma:document": "Purchased a ring through Kay Jewelers, payments were supposed to be $120, YET they increased my interest rate to 27%. They sent my bill to the wrong address so that accumulated late fees and higher interest. Was not happy to pay at all if you seen what was due. Anyways calling customer service was terrible. They played the he said, she said games with Kay Jewelers. So just today I called back, and fortunately and I mean FORTUNATELY I was able to speak to Lynelle. She understood I was livid about what had happened, she offered to enroll me in a program in which they close my account (not like I use them for a credit card anyways) charge me 0% interest, minimum payment of $50 for 60 months. She was helpful through the phone and I honestly cannot thank her enough for saving my sanity over this bill. Lol. But shout out to Lynelle again. Overall, I would never do business again with Kay Jewelers - Comenity again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1ff3c7b1be904a72a4bd9da9e5a179a6
encoding: FLOAT32
metadata:
{"chroma:document": "They will continue to drain, and finance charges your account without notifying you. They said they've sent me emails to tell me about my charges. I've checked my email and even phone calls every day and have not seen anything regarding late/finance charges. I've made a payment scheduled for that month, and they said since it's new, they put a hundred dollars finance charge on my card. I called them to ask them to take it off since I've already made the payment, and they withdrew my money again a few days later. They will not try to dispute anything against the finance charge, except defer the amount, but I'll continue to get the finance charge for how many days/months my payment is deferred in addition to my remaining balance. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: aae580b636b440e1a998aa70caa63370
encoding: FLOAT32
metadata:
{"chroma:document": "I urge anyone reading this to steer clear of any retail establishment that does business with Comenity. They closed my account with absolutely NO logical reason. I have impeccable credit, have had several accounts over the course of 25 years with different stores that work with Comenity and all of a sudden \u201cmy account has been closed due to previous negative experience with Comenity or Comenity capital bank\u201d. How does that make any sense. My credit reports show no late payments and no collections.... Like I said.... Impeccable credit. I will never use Comenity bank again. Good riddance."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 03aee39543fb4b35825b7ad1cb068469
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity Bank, which holds accounts for many stores, is closing accounts for NO reason. I was sent a letter that stated they were closing one of my accounts due to \"previous negative experiences with Comenity of Comenity Capital Bank.\" I have not had anything negative with your bank or any of my cards - always pay my account on time or before, and for more than the minimum due. Like I told the rep I spoke with on the phone - this is ONLY because of the pandemic - they are freaking out and closing accounts on people who don't use them very often. THIS is going to bite you guys in the end. I'll be closing every single one of my accounts..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac134183a6f544ba90e093d66b109941
encoding: FLOAT32
metadata:
{"chroma:document": "I put my account information with automatic payment but this bank is been doing charges about late fee, finance charge every month. I'm so upset. I feel ripped off. I'm going to cancel Sephora and Wayfair card. Please think twice before getting any credit card that deals whit Comenity Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bf0c4ee83ad747d5b5b5ab6679458505
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is horrible. Mayfair uses them and they try to charge you for everything - they put their communication on the statements but of course if you don't charge anything, you don't look at the statements. You just pay the bill online. THEY are horrible, I got charged 130.00 accrued interest on 64.00 because I did not look at my statements (other credit cards reach out by email). AWFUL AWFUL and terrible to do to people as they suffer from the CORONAVIRUS. AWFUL."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4379261ffea341e2800255c582581005
encoding: FLOAT32
metadata:
{"chroma:document": "I went to Ulta in Dec 2019 and they asked if I wanted to open a rewards card. I said yes to have as a back up and didn\u2019t know if I would ever really activate it. It\u2019s March 2020 and I still haven\u2019t and don\u2019t plan to. I got a call from them (Comenity Bank) today saying I owed over $100 for that rewards card. One I never even activated or even knew where it was. Apparently the $37 I paid in store on my debit was charged to the rewards card (that was never activated or used) once I was approved for it. And about $100 in fees. No mention of any of this from the sales girl. No details whatsoever. It\u2019s very reassuring to see so many similar reviews and reviews that are so recent/relevant."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cc7f72f7ae19491f9d2a49f01e735b9e
encoding: FLOAT32
metadata:
{"chroma:document": "I haven't made a charge since Sept 2019. As of this date, the balance still hangs at the credit limit even after I've made all payments. I've been late by mere minutes twice and have never missed a payment. Every time I make a payment they tell me something went wrong. Last time I used the same bank account stored in my account and Comenity gave me a late fee saying the bank couldn't locate the account. The. Same. Account. I. Used. The. Month. Before. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ce176abd34244c88b6c6de900ecaf62f
encoding: FLOAT32
metadata:
{"chroma:document": "I continuously received calls to my home and cell for people I DO NOT know. For years. I filed a complaint with BBB, they responded they will take me off phone list. Also, They only called once. LIARS! It is too late for me to add to that complaint, so I am doing here. They only give you a couple of days. Their people are rude and don't care that they have the wrong number. The response said they reviewed all calls and don't hear that they were rude. Really? Where are those calls? I will never do business with these people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cf25148e97a4436fb67a542e5067cdbd
encoding: FLOAT32
metadata:
{"chroma:document": "I am a senior citizen working from home due to the Corona virus. I received a call from Comenity Bank. They are looking for my sister who had an account with them. My sister does not live with me. She has dementia. I explained this to the woman on the phone. I have gotten these calls before and I was very upset to get the call especially in light of the national crisis. In trying to impress upon the caller I misspoke and said I'd report them to the Governors office The caller laughed at me and implied that I was lying by saying \"you're good\". I called Comenity to report the caller but was met with the same disrespect. I have also reported this to the BBB. These people are heartless. Does collecting a debt or bothering people make you lose your humanity? No one should deal with this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 040c388fa78c4860b4790482733cab1f
encoding: FLOAT32
metadata:
{"chroma:document": "Please think twice before getting any credit card that deals with Comenity Bank. I have a Carter's credit card through them and it has been a hassle. I have excellent payment history with all my credit cards. Mid January we suffered the unexpected loss of my sister-in-law and during the 2 weeks following her death until her memorial service things were completely chaotic. I completely forgot to pay my Carter's bill on Feb 2 with all my other distractions during that time. When I realized what had happened I immediately did an online payment and contacted them explaining my situation."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 51a2212571fa4b5d82c8adbded494011
encoding: FLOAT32
metadata:
{"chroma:document": "You've seen the reviews, this is a terrible company. Of course, all credit companies want to make money, because these guys are out for blood. Truly, do not open a credit card with this bank. They will find a way to take money from you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8545febe1dc44e1fa6c040285d44e1a1
encoding: FLOAT32
metadata:
{"chroma:document": "Please do not use this bank. It\u2019s a horrible bank that only care about ways to steal your hard earned money and they will do literally anything to do it even if I\u2019m sure it\u2019s borderline illegal. My experience was horrible with them. I had paid my credit card completely on August of 2019 and closet my account. I called to make sure they had done exactly that not once or twice but three times and this month they started sending me letters, calling me non stop about me owing them money. They completely ruined my credit score!!!! I called and now the \u201cfixed it\u201d but they are \u201cvery sorry\u201d because they know they ruined my credit but there is nothing they can do to help me. DISGUSTING BANK!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 362944a8ab14494d8e1d0d160bf1816e
encoding: FLOAT32
metadata:
{"chroma:document": "This is the worst company I have ever had to deal with. I have 3 credit cards, open for several years with this company. Within a 1 week period, they lowered my credit limit on 1 card by $100 (I have never been late or missed a payment on this card), they closed another account for \"inactivity\" even though I used the card within the last 3 months, they increased my credit limit to $780 on another card. When I called to speak to customer service to ask why this happened, she could not give me an answer, I then asked her if these actions made sense to her, she said no, but there was nothing she could do."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b08728625ab247149f8ca23c874618a9
encoding: FLOAT32
metadata:
{"chroma:document": "I made a mistake requesting a bank transfer. I mistakenly made $1,000,000 transfer. I called Comenity Bank the same day I made the mistake and asked them to stop the transfer. Comenity told me they would. 4 days later, my outside bank email me there was a insufficient funds transfer of $1,000,000 on my account and I was charged $25 insufficient funds fee. I called Comenity and asked why didn't they stop the transfer only to be told the bank cannot stop a transfer once it is started. I was mad."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 740aa86f36e7495cae638890f92d2ff3
encoding: FLOAT32
metadata:
{"chroma:document": "Please sell all of your cards to a reputable bank!!! Second time I have paid off a store card and another card's credit limit has been lowered. Always have paid on time. Never happens with Cap One or Synchrony. Wonder why my credit score is dropping? You keep playing with my accounts!!! Never late. Paid off multiples of cards many times. Last time this happened I paid off Bealls and then they closed it. Now I paid off Children's Place ($150) and my Victoria Secret is lowered by $150?! Really your company won't be happy until all my Comenity cards are gone. I thought CC like making money?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f63c6ea84db94e51a7d6faf8b63cc13e
encoding: FLOAT32
metadata:
{"chroma:document": "My experience was the same as others but to the least concerns these people are Rip off Artist. 'Cause hard working individuals should not pay for late fees over and over after US postal money orders of payments on the products I ordered and I wrote a small note stating that I want to end the credit card 'cause I paid the full total off of $99.00 but then couple days after the payment I receive in the mail another pink envelope with a higher amount stating they did not receive the pay and another late fee of $39.00 added. Wow .. I was lost for words that even if I was late on one occasion as I was with my Victoria's Secret Card this bank should have a grace period after the due date allowing time for it to get there but instead you get penalized with late fees of $39.00 over and over. They willfully will report you late to the credit agencies. Unfair and inconsiderate."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 758166dc5c7e4791bb1b80d7db804aae
encoding: FLOAT32
metadata:
{"chroma:document": "I only have this credit card because of Ulta. Always pay my bill on day I receive payment or next day. Last month I did not receive bill till 7 days after due date. I called and ask them to look at last few years and they could care less. Man was rude and hateful. Ummm maybe I need to use a different card since they do not care."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f028a03178874ca3bf0ef60a740e0df9
encoding: FLOAT32
metadata:
{"chroma:document": "I had an 18-month promotion with Wayfair which used Comenity Bank. I paid the promo in full 20 days early. I used their statement guidelines which is in red for promos and paid exactly what they said to pay to avoid interest charges. The next month I got an accrued interest charge of $546.72 on a bill that I owed $41.00 on. If they had applied the money correctly to the oldest promo it would have been paid. Instead they took out the $41.00 I mentioned and applied it toward a new promo that was not up for another year just so they could tag me on a bill that was paid in full."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 904deedd13d24c8fb5923c0f1075370f
encoding: FLOAT32
metadata:
{"chroma:document": "If I could give this company a negative amount of stars -0, I would. This is the worst company I have ever dealt with. I submitted a payment to them on the 12th of the month. They did not try to process the payment until approximately the 26th of the month and by that time, I thought they had already taken their money and have been paid. By the time I found out that they didn't receive the funds, I was marked late on my credit report and I so I made another payment that they also didn't process in a timely manner and this time my credit report reflected that I was 60 days late ruining my credit report and my credit score. This has happened so many times that I am paying this account off next week and I will NEVER do business with Comenity Bank ever again!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: efbb57d21fc84bcbaef968a204e75fee
encoding: FLOAT32
metadata:
{"chroma:document": "This bank is a joke! I used this bank for interest free financing for a furniture purchase three months back. Out of the three payments they claim two were late so they assessed late fees. These payments were mailed out twelve days before the due date but they claim they did not receive them until the day after the due date. Liars, plain and simple. I am never late with any payment. It's obvious to me they hold the payments until they are late simply to tack on fees. Well I'm not paying them another dime until they get this straightened out. Scam."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9e15350eea024a308ac5a2e818ae8d94
encoding: FLOAT32
metadata:
{"chroma:document": "I had a credit card with the Stage stores. I used the card to make a purchase and pay it off trying to build credit. Then I had a work related injury and could not work for a while. I was like 2 - 3 days late of my payment date when I called to ask for help with the late fee and pay off the account. I was told there was NOT anything they could do to help me, so an eighty dollar balance has turned into a $170.00 balance and is still growing because they refuse to help. Even though the Stage statement states, \"If you are having financial trouble call 800-992-3803 and they will be happy to help!\" They do NOT care. $36.99 late fee is absolutely a huge ripoff and their interest rate is 28.49%. They are in business to ruin people's lives. Even if I get this situation resolved, I will never use Comenity Bank again! They are legal thieves!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02717b5b436040ab921d7b0bf6d19dfe
encoding: FLOAT32
metadata:
{"chroma:document": "I promise The \"customer service professionals\" are rude and aren't setup to assist you. You can call them and hear three different answers to your questions about your statement, account, or card. They closed my Forever 21 card after I paid it in full. I call and ask why, no has a clear answer. One rep tells me it's permanently closed, another tells me it temporarily closed, and another says keep your payment history up (2 late payments months apart) and another says reapply for the card. Which one is it? Don't fool with the scammers over here. Then on my VS which I rarely use, just a card to build/maintain credit, they close to inactivity (small purchases/pay bill) and because of unknown reason on credit report. Calls credit report company, (Transunion) they have no answer for me either. Save money, hassle, and headache. Get a credit card with Capital One, Discover, Gobank, anywhere but here. All that glitters ain't gold and this ain't it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 990f64e57ef341b99878856e60425d7b
encoding: FLOAT32
metadata:
{"chroma:document": "Long story short, they charged me for a computer generated error, and refused to refund it, yet only a 25.00 fee, one charged due to a phone processing error. Offered to pay over phone, and Maria part of their mgmt team says they will charge me 9.00 fee to process. I said no thank you, and I will be closing all Comenity credit cards, I will also be reaching out to stores, I hold those cc, and inform them they have lost my business, due to their crooked credit card practices."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e8c9ad44e02840baac4662ea7ba4fe6e
encoding: FLOAT32
metadata:
{"chroma:document": "The short version, I didn't get a statement or any notification of an amount due and was assessed a $29 late fee plus interest. I called and the late fee was reversed, but they refused to reverse the interest, which would mean I carry a balance and impact my next month's amount due. I worked in the credit card industry for 30 years and know these companies make obscene amounts of money on what should be considered largely illegal practices (certainly unethical). I have a zero tolerance policy for any of their nonsense and always pay the due amount in full. So, for $6.30 of interest, they have lost a customer and they don't care because I don't carry a balance. I have also written a letter to BJ's, informing them to cancel my membership as I will not knowingly do business with associated companies."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 41a182666d7447b5aa9b45cb3cd7c367
encoding: FLOAT32
metadata:
{"chroma:document": "Only thing I would caution people to do is to be VERY careful when opening any store credit card that uses Comenity Bank. They are a Fraud with high rates and unfair if not illegal practices. The customer service is unwilling to do anything to help besides saying that they wish they could help."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fbec6648706a46e39bdbc7464f7d0b05
encoding: FLOAT32
metadata:
{"chroma:document": "I always pay my bills on time, however, I accidentally missed a payment by 2 days and was charged a late fee. So I closed my account and paid the late fee. I was charged another late fee and they refused to take it off! Will not ever use or recommend Comenity Bank for anything...They are RIPOFF!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 18af27d502074736bc24993d357dfbf9
encoding: FLOAT32
metadata:
{"chroma:document": "Awful! I applied for an Ulta card and a Sephora card within 2 days of each other. Apparently the cards were intercepted by a thief while in transit because Comenity called to tell me they suspected fraudulent transactions on the cards. I said yes because I have not received either card. Comenity canceled the cards and reissued two replacement cards that day. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 70719c0746d44be7b33f00439beaf336
encoding: FLOAT32
metadata:
{"chroma:document": "They closed my Ulta MasterCard after 2 late payments without even telling me. When I finally got a new job after 7 months and called to try to catch up on payments, the rep was very nice and said she\u2019d waive late fees on that and a couple other Comenity store cards. She gave me an amount to bring the Ulta card up to current, which I paid. I only found out after checking my credit report that the account had been closed for 2 months! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a54daeade2e141f692eacb186c5dfe38
encoding: FLOAT32
metadata:
{"chroma:document": "I have a few Comenity credit cards. If I could rate them a zero I would. DO NOT OPEN any credit cards with them. They will decrease your limit or close your account once you pay it off or have a large available credit they snatch it right from you! I will NEVER open another single card through them again!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ae7d3d6aeb343e697f35c21f6d71313
encoding: FLOAT32
metadata:
{"chroma:document": "I received catalogs that use Comenity bank. So, I decided to open about 3 accounts, what did I do that for. Along with the outlandish fees for the small credit limits were crazy. They're thieves. They're out for money and that's it. They won't help or negotiate properly. Stay Away, it's a weird company. I've had these accounts for some reason transferred 2x to 2 more fake scam companies who have my information which is fraud. Portfolio/Rausch Sturm"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8b347a50fab44249a9e0d40943f9e56d
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity Bank charged me twice finance charged before my 12 months was up. I called them and emailed to explained to them I'm on a 12 month promotion. They did not seem to care or give me an explanation. It was only 2 dollars for 2 months but it is principle. Comenity bank are liars and they lost a good paying customer. I even paid a month ahead and close to the end of my promotion being up. They charged me a late and would not remove that either. I will blast Comenity bank to friends and family. NO ONE SHOULD DO BUSINESS WITH COMENITY BANK. I WILL NEVER DEAL WITH COMENITY BANK AGAIN."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 62b6ff18272c4d82a4e1280b31be641f
encoding: FLOAT32
metadata:
{"chroma:document": "Like many others, Comenity promised a lot, so I applied was approved, but 3 months later, they closed the account, stating I had too many inquiries. LOL, they were the only inquiry. I had used the card once during travel for a hotel stay, paid if off the following week. I called support, that was a bad experience, unprofessional and rude staff, sounded like they were having a party in the background. I wish I would have read the reviews here first. From my experience, don't do business with Comenity!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 45cfa584c8ac45598fc948689cedc46c
encoding: FLOAT32
metadata:
{"chroma:document": "My payment was due the 12th of January. I pay all my bills online using billpay service and never had a problem with a late fee. I sent the payment on Jan 6th, plenty of time to arrive on time. Post office mail takes 2 days to get to TX. Get my next statement from them and it has $28 late fee and $5 interest and shows my payment was received on the 15th. We statement was mailed to me on the 17th. I call in to talk to them. They will not talk to me because the account is in my wife's name. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8c4eaa52839443359f716f29889f2176
encoding: FLOAT32
metadata:
{"chroma:document": "I purchased a wedding ring on 11/23/18 from Kay Jewelers. I was told that if I opened an account with Comenity Bank and paid off the balance within 12 months I would not be charged any interest. The balance was divided into 12 payments with the first payment due on 1/16/19. This was done automatically through their direct draft system. Unbeknownst to me, because I made the purchase in November of 2018, the balance had to be paid by November 2019. Their system automatically divided my balance into 12 easy payments and pushed the first payment one month out causing me to be one month late on my final payment. I was charged 12 months interest for the entire amount from the date of purchase. I realize that if I had paid closer attention and had not been so trusting I would have caught their little scam. I didn't and now I know and I'll never do business with them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e1ef1367bfb044389ec8d5dac37b960a
encoding: FLOAT32
metadata:
{"chroma:document": "Recently, I had a payment returned in error by my bank, first time since my account was opened in 2018. They not only charged the returned payment fee but also blocked my checking account, I submitted to them a letter from my bank stating it was bank error and my checking account was active and had no problems, they gave me a temporary reversal of the fee, but almost a month later my checking account is still blocked and they have the letter from my bank taking full responsibility. I have not received a valid explanation as to why, only form email responses from the many emails I have sent. I have never seen a company with this level of customer service, it is the very worst! They should not be in business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ab41d4414f5d40c58ac3ad0c32251108
encoding: FLOAT32
metadata:
{"chroma:document": "I have three cards of which Comenity is the bank. Ulta, Alphaeon and Care Credit. I\u2019ve been giving them business for years and they continue to provide AWFUL customer service anytime you need anything. Heaven forbid you need a late charge waived, they act like it\u2019s coming out of their own check!!! They won\u2019t waive anything regardless of your situation (my mother passed away and they couldn\u2019t care a less)!! Well I am officially DONE with them and their money stealing schemes! I\u2019ve paid them all off and I would NEVER use them again! I\u2019ll give my business to Capital One or Discover."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0058f24dd53d4cd787c3e378dddafe96
encoding: FLOAT32
metadata:
{"chroma:document": "Do yourself a favor. DO NOT buy from a retail credit card managed by COMENITY BANK. They are a rip-off. No auto payment, no email alerting you of future charges, then they say you select paperless that they offered over and over. I ended up paying double of the item amount I bought from Wayfair. Thanks God Walmart is with CapOne. Their customer service is horrible, more like a collectors. They are rude and useless. Never buy from any store related to this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 088f7bc0e28a43ff9945564303d3f774
encoding: FLOAT32
metadata:
{"chroma:document": "Please do yourself a favor and don't ever get a credit card or anything financed through Comenity bank. They will ruin your credit and will charge exuberant amount of money for any late fees. Please DON'T use these people, they are the true definition of evil."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7a7fd7bc8e904a8d92fe9d8f2853555a
encoding: FLOAT32
metadata:
{"chroma:document": "I made a qualifying purchase for deferred interest, however after making the purchase, Comenity reneged on the agreement we had, and charged me interest on everything. They refused to honor the agreement THEY made with me. I was also paid a month in advance, however I was still hit for a late fee for not making my payment on time (even though I've overpaid every 2 weeks and was over a month ahead of schedule for payments on purpose). After trying to get them to assist me, all I got was a rude attitude back. I'll never use Comenity ever again. This company and its customer service is complete garbage. If I could give a 0 star rating, I would absolutely do it. Judging by the other reviews on here, it's a shock they're even still in business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8a1fdbe36d1c43af8e4b0fd0909e77b5
encoding: FLOAT32
metadata:
{"chroma:document": "Do not do business with Comentiy Bank/Smile Generation. Their customer service is horrible. I called them today and spoke with a representative regarding my wife's account. She was very rude, unprofessional and unpleasant to speak with. I am not sure how can this business survive to hire people with no customer service experience whatsoever. Her communication skills were zero. I will try to payoff the loan that my wife has with them for her dental work and do not deal with them ever again. I DO NOT RECOMMEND THIS BANK FOR YOUR FUTURE FINANCIAL HELP. They are running a shady business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4f045df46c6341e49af9ee6bf1ef0f90
encoding: FLOAT32
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{"chroma:document": "I tried to take advantage of a promotional zero interest financing for a portion of my cost for new hearing aids thru Healthiplan/Comenity Bank - it was a big mistake! Their deceitful and unethical practices led to an exorbitant finance charge and related late payment fees. Contact with them in hopes of resolving this issue went nowhere. Do yourself a favor and DO NOT use Healthiplan/Comenity Bank if it is offered as part of your dealings with APEX Audiology."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e262aadb5b3944168faaff9a991cbc46
encoding: FLOAT32
metadata:
{"chroma:document": "I was rebuilding my credit and obtained several credit cards that were issued from Comenity Bank. I paid them all on time with more than minimum due. Then it started to happen. They started running my credit every month, with these inquiries my score would drop, and then they would drop my limit on my card. They even closed 2 of my cards for no reason. They have dropped my limit almost every month to a point where some are now over limit so I have to pay more just to keep the below limit. Never get one with Comenity Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b654539d8b0f46b9b0707ab888305d14
encoding: FLOAT32
metadata:
{"chroma:document": "If I could give less than a star I would. They don't care, they won't let you speak to a manager, they don't listen. They just listen to answer and rebuttal everything you say. Do yourself a favor and never get involved with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d7f52439c434d83bb66ce41306b309f
encoding: FLOAT32
metadata:
{"chroma:document": "Awful company. Paid off my balance and needed a simple letter stating I did so and my balance was $0. (Purchasing a home and this is something that was required). Since I opened my account in 2012, I was told, I could only get a letter drafted 10 days after my Debit Card payment to my OLD address on file. They were not able to fax or email or anything else besides a letter. The letter could not be prepared till 10 DAYS AFTER my debit card payment. And then it\u2019d take an additional 7-10 days for the letter. So 17-20 days to receive a sentence saying I paid off my balance. After 7 calls to their customer service and no one saying the same thing twice....I will never have another Comenity card again. Horrible service. They sure can yank your money in seconds but not provide any service once they\u2019ve done so."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 931607821cd147a98e27c30ea4817a40
encoding: FLOAT32
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{"chroma:document": "My daughter and I purchased some jewelry at Little Switzerland in St. Thomas in May with the six month interest free offer. I religiously paid the amount due each month to avoid the interest charge and always paid by the due date on my statement. Now that I have made the last payment, based on the due date that was on my statement, they are saying that I didn't pay the promotional balance off by 11/21 so they charged me the entire interest of $152.96 for the purchase because my payment didn't reach them until 11/25. The due date on my statement was 11/28 which is very confusing... The promotional due date should be the due date on your statement."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21dec006605045b9b941bfb5ff51746a
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity bank has a predatory behavior with customers. I paid $200 without my bill in front of me 9/4/19. I owed $206.95. Locked myself out of my online acct and had $6.95 bill left Oct 2019 (I was unaware). I Called in mid November when I found out about the $6.95 I owed. I requested paper billing (the oversight would not have happened with a paper bill) although I don't know why the account was set on electronic bill. I paid the bill at the time. W.sonoma waived the fee, did not credit my account for $6.95 and $2.00 interest when I paid the first time. The amount was not applied until November 26 2019. The rep said I was all set, no balance and my card was in good standing on my first call. My card was declined in store in December. I returned home and checked my account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4506f36f9146460c9a4258f5d5071429
encoding: FLOAT32
metadata:
{"chroma:document": "OMG-they are the lender for Alpheon credit. They run promotions on their lending which is an earlier due date than the due date on their autopay. They should give you that option. They prey on people that are good payers and rip them off!! I borrowed $10,000 in July and was told it was interest free if I paid within 6 months. I paid it off every month-I was late, one month, but paid and was charged $27. You would think paying it off regardless of one mistake, they would be lenient on the late fee. Only reimbursed me $15. So, I finish paying within 6 months by THEIR due date-$10,000-and they charged me almost $1000 interest. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a002e143fdf64c3ca1eb3deaf0d15ef8
encoding: FLOAT32
metadata:
{"chroma:document": "My wife has a card thru Lane Bryant. I have all other cards on auto pay but Comenity does not offer this option. Bank is phishing for late fees, no notice or phone calls or any notice of missed payments until three payments at $40 dollars each. Late fees are more than the charged amount. Customer service does not care. Does the store get a kickback from the bank. I cancelled the card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7e517bd016484e2dadd4f8e7d4a7d0f4
encoding: FLOAT32
metadata:
{"chroma:document": "Considering @Arhaus for furniture purchase using 1 year no interest promotion- BEWARE! Comenity Bank provides their financing and is NOTORIOUS for processing payments late to drive up late fees AND falsely charge the promotional interest 29.9%!!! We purchased furniture via Arhaus under a 1 year promotional plan on 2 separate purchases with 0% financing. We paid the account in full with check on 11/21 and they did not post until after 12/9 and back dated payment to 12/4 posting date- STILL charging the $900 interest. Called 2x with NO solution."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 88ac188e04be4c01941b45849c087c5e
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity Bank issued me a credit card for The Children's Place in November 2019. I entered my banking data two weeks early and submitted a payment on 12/12/2019. However, the Comenity Bank Credit Card Profile website did NOT ever process my payment. Because I keep a daily watch on my checking account, I noticed my payment to Comenity Bank was never processed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c5a702e2db04351b7f289a8a18d230a
encoding: FLOAT32
metadata:
{"chroma:document": "We are approaching week 3 of review to see if I qualify. I get a letter on week 2 saying they need more information including my astrological sign. Yes, that's right they need to know my sign before they will issue me a card. Ridiculous! I have a 764 credit score. This is crazy. You have to know my sign first? I have never had this kind of experience or drawn-out foolery while applying for a card. Do yourself a favor and apply for worthier card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 156cacd44f064570b1f3b7ab96d1e9d2
encoding: FLOAT32
metadata:
{"chroma:document": "I, like many others who left reviews, had my credit limit decreased on my credit card. I have had the account for over 2 years and have made EVERY payment on time. I have had TWO limit decreases in less than 6 months. Every time I get my balance paid down, they are decreasing my limit. They decrease it just enough that I am not able to make any purchases. The explanation that I received is that my credit score changed. My credit score has changed several times during the years that I have had the card but I never got credit limit decreases until recently. I have never had credit limits decreased on my cards from any other bank. I am very displeased with Comenity Bank!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7fc7cb203c3e4100977382baa5d8f818
encoding: FLOAT32
metadata:
{"chroma:document": "These guys definitely steal money from you. I have been gone online paying my payment pushing the minimum amount due and it turns out what they have written is a dollar short so they charge me $38 to $40 every month in a late fee because I paid a dollar less which doesn't make sense because why would I pay a dollar less just to be charged every month. I talked to them about it and they said they can't do anything about it but Credit One charge back every 18 months."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1b4f076083c241958e0d6f6f7532c104
encoding: FLOAT32
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{"chroma:document": "I received a fraud alert voicemail, asking me to call them back. It has now been 24 hours and I have no way to get in touch with them. I have tried the fraud line multiple times during business hours (on hold for 10-15 minutes then they end the call telling me to try again later). I have tried 2 customer service numbers. Both auto route me to Spanish even after I choose English, and put me on hold for 15 minutes before hanging up on me. Online the cards show as unlocked, no fraud alerts, yet my wife's card is now declining. Accounts are fully paid off. It appears others have wonderful experiences. Perhaps this is a Sony Card problem as they recently switched from Capital One. If you have a Sony card, I recommend switching until Sony picks a better bank. Been a Sony Cardholder since 1999. Looks like I am cancelling which is a shame."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bbf15111f94a464fb6459132178abc37
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metadata:
{"chroma:document": "I purchased a piece of jewelry from Jared. I paid the item off on time, every payment. I thought since I paid the balance off in full, any interest would stop accruing since I ASSUMED it was part of the balance. I never missed a payment!!! 3 mos later I got a late payment notice! They have a rolling interest where even after you pay an item off during a month, they can continue to charge you interest for the remainder of that month or pay period!! My credit rating dropped!! They fixed the payment, supposedly going to send out a letter to the credit bureau to fix it. DO not purchase any card affiliated with Comenity Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cc36bdaa28b840cf979e65ef5c10c2aa
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metadata:
{"chroma:document": "I have 4 retail cards that use Comenity. I have been actively using my credit cards for years. I was unemployed still used my cards and I paid off 1 of the cards and was paying down the others in high volume getting ready for the Christmas season and gifts. I get a notice for each card just 1 month before Christmas of them significantly lowering my credit limits (all were not even maxed out or near the original credit limits). One card they lowered 95% to nearly nothing and have ruined my Christmas for my family. I am so angry with this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ec080ba9a65142b1836b16303b7abab6
encoding: FLOAT32
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{"chroma:document": "I was the victim of credit card fraud. My social security number was somehow stolen and a Victoria's Secret card was opened with that number and used by a criminal. I have never seen the card or know how it was used. The criminal did not use my correct name or address but was still able to open the card and I was contacted by a collections agency to pay the bill. When I spoke to Comenity bank's fraud department they reassured me the case was obviously fraudulent and would be resolved quickly. It's been months and I have since filed a police report and contacted the credit bureaus, but haven't succeeded at getting these charges removed and am now receiving bills for this fake account. I just spoke with the comenity bank again today and they assured me that they would open another case and get this resolved because it was clearly fraud. I am now researching how to take legal action against the bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a57cdf8f419441d9b41e1bb8fd54928
encoding: FLOAT32
metadata:
{"chroma:document": "I made a purchase on Overstock about 18 months ago and applied for the store card upon check out to get the discount. I have been making my payments but since I have not bought anything new, they continue to lower my credit amount thereby negatively impacting my credit rating as it appears that I am using more credit than I truly am. They are a sleazy and dishonest credit issuer. Protect yourself and Just Say NO to Comenity Bank cards."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8c2e6aa6e2304ac58a90568720a05881
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity Closed 2 of my credit card accounts that were paid and in good standing without notification. I called to get a credit card replacement, and I was told I would have a replacement mailed within 2 weeks. I then get a secured message that they denied the replacement. I called again to speak with another person that I could barely understand who then said she was send a new replacement, so I had to repeat myself on why I was calling again because the guy I spoke with before her said the same thing. Then she tells me that they closed my account and I would not be able to get another card unless I fill out a new application for the same limits and benefits."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 05d51fe0fe6d458384cdfef82a5aa68c
encoding: FLOAT32
metadata:
{"chroma:document": "I lost my Kay card and called Comenity Bank to report it. Well they decided to close the account and refuse to reopen it. I DID NOT TELL THEM TO CLOSE IT AND THEY REFUSE TO CORRECT THEIR ERROR. They are terrible. Refuse to ever do business with them in any manner shape or form and will place this on every social media outlet to let everyone know."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a53c8cc7959e4caf839445341141f096
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity found 4 potential instances of fraud on my husband's credit card, two of which were in fact fraud. They advised us to destroy his card, that a new one would be mailed and that I could continue to use mine (I am the primary cardholder). 8 weeks later, he has received 3 new cards, NONE of which have worked. Then, Comenity canceled my card, I received two new cards, the last one finally worked. We have called them 15 times, basically been lied to about new cards being sent, and now they sent a letter saying our cards were cancelled because of info they received from another source. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a81b3dfcd3014b8b96c545bec80ec07e
encoding: FLOAT32
metadata:
{"chroma:document": "In April of 2019 I fulfilled sign-up bonuses for a credit card I received from Comenity Bank. After waiting three months for my reward I contacted customer service. They spotted an error in how they had coded my purchases and informed me that the issue would be resolved 'shortly' which meant within 60 days. We are now 7 months removed from the purchases and despite additional phone calls and numerous emails they have refused to address the issue. I suspect that since the amount is rather small they know I will not pursue legal action and are simply going to ignore me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 28f257abe45344239c12d5adbe83173c
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{"chroma:document": "Have been trying to obtain either my username or account number in order to access my account. I have lost both and you must have one in order to get the other! The absurdity of their customer service was when a supervisor was trying to get me to guess my username and the call was disconnected. The customer service are all very pleasant and polite but totally useless as they no authority and their knowledge of how to resolve problems is woefully inadequate (e guessing username). I need a copy of my statement for a mortgage application and would also like to payoff my account and close it. I highly recommend not using any company affiliated with Comenity Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb7f64e741da4684a8b7cee55f88b738
encoding: FLOAT32
metadata:
{"chroma:document": "At the end of last year, I opened a LOFT credit card account which obviously is issued by Comenity Bank. I forgot to pay for my purchase immediately after one transaction. Since they don't have an option to set up auto payment, I ended up paying it late. I paid the amount of purchase + late fee + interest charges as soon as I realized it past due (only a couple of days later). HOWEVER, after I paid all my previous balance full, I keep receiving late fee charges and late fee charges for those late fee charges with an accumulated amount of nearly $200 Year-to-the end! I called customer service to close my account, the agent said that she can waive one of the many late fee charges ($35) if I keep my account. I just don't bother to do any business with COMENITY BANK and decide to close my account immediately. The worst customer experience I have ever had in my life! Stay away from the COMENITY BANK which does business in such a sneaky and underhand way!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4c9112caeb804b06afab0f2043379b28
encoding: FLOAT32
metadata:
{"chroma:document": "Was happy with the high yield (though the rate went down twice from 2.45 to 2.15 in the last two months). Then, they decided to implement a daily transaction limit of 10K for all customers, with no warning. That makes it easier for them to hold your money and harder for you to get it out."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3faf9f46ae3c4b488919515484511ca0
encoding: FLOAT32
metadata:
{"chroma:document": "I have been attempting since March, 2019 to obtain 2 closure letters from Comenity where Comenity held the ownership of these credit cards. It is now November, 2019, do you view this timeframe as ridiculous, I certainly do. My request is nothing out of the ordinary. I have talked to 95 pages (I make notes) of ridiculous call center personnel, get the eternal yank, everyone saying they want to help, when they do not, but try to obtain much of our personal information. Now 8 months later still trying to obtain these closure letters. These call center employees try to take on things they are not trained or experienced to handle, frauds, liars, thieves, taking too much of our time, do not enter into computers accurate information, cannot spell or even write a complete sentence, uneducated. Would never recommend this bank to anyone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08b06836848a4af1a9b28f1b1abf9797
encoding: FLOAT32
metadata:
{"chroma:document": "They have the most incompetent claims dispute department and process I have ever seen before in my life. They put me through the ringer to get ALL the documents I needed to file my dispute and still could not understand it. I had to do another letter and resubmit again and they denied the claim simply because the Merchant does not grant refunds. This person did not deliver the services she promised as per her contract but because she does not give refunds, they took her side. I have already retained a lawyer. Please STAY AWAY from using this card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3fcf0590f39845ef9e8487ead26e1bab
encoding: FLOAT32
metadata:
{"chroma:document": "I am writing today to express my complete dissatisfaction with Comenity Bank and the way they operate their interest free payment plans. I purchased a dining room table from Overstock.com on 9/24/2018 and used their 12-month interest free payment plan. I received my first bill, which was due on 11/4/2018. I divided that bill by 12 and made 12 payments. My last payment had a due date of 10/04/2019 so I set the payment up for that date. Two weeks later I received a bill in the amount of $102.35 for interest charges. I called their customer service department and they told me that I am being charged interest because the promotion plan expired on 9/25/2019, 9 days before the bill was due. This is extremely poor business and seems almost a dishonest practice."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9e9aed56e2b8478d8bc813037a4d31e5
encoding: FLOAT32
metadata:
{"chroma:document": "I recently made a large purchase at Ulta. I was lured into applying for a card that would save me $100.00. The first thing that irritated me was a letter I received saying AI didn\u2019t get the best rate due to my credit report. My score is in the mid 700\u2019s. Today I received a call that my payment was late. I never received the bill! She says they sent another on the 16th and today, nothing. They have the correct address. I could tell the agent thought I was lying. I always pay my bills on time. They slapped me with a late fee. I paid her on the phone and it is still pending my bank account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e9106a6343fe443ab86c2f2f6d15f72d
encoding: FLOAT32
metadata:
{"chroma:document": "I am reporting an issue with the Comenity Bank during Wayfair Credit Card application process. I received a letter from Comenity Bank that they need to verify the information provided for my Wayfair credit card. I called to let them know I no longer wanted the card. (I was not interested in getting the card since the Wayfair discount offered online when ordering furniture was not available after I paid for the item.) The person I spoke with (at 866-668-5450) told me that she would note that I refused to answer the questions related to my information and that a letter would be issued noting this refusal. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 64f1a223c22b44f18e59380222f7964a
encoding: FLOAT32
metadata:
{"chroma:document": "I had 4 accounts with Comenity bank, all of them being in a good standing with paying of the loan amount, but there is one account (Overstock.com) that I could not close because comenity want to change on the late fee that I paid last month. Want to charge me another late fee the amount not even correct. To begin with it's a ripoff company, they do not have the option for you to set up auto pay so they can bank on the late fee which I was a victim of, customer services are very rude and unprofessional. I highly recommend not to do business with this company, they do not even deserve to have a 1 star."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 969e73c87d344ca5a0ce780731d2f551
encoding: FLOAT32
metadata:
{"chroma:document": "Had my card breached in September 2019. While Comenity did issue credit for the fraudulent charge, I was never able to use the new card issued to me. After verifying my card was UNLOCKED, and my address and phone number were correct, I had made several attempts to use my card, only to be mortified at the register. At which time, I gave Discover Card my purchases. I called twice to research the issue and while the reps tried to be helpful, they showed absolutely NO ISSUE on their end. I closed my account and cut up my card. And just for the record, MY ACCOUNT WAS AND ALWAYS HAS BEEN IN EXCELLENT STANDING!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a022198c3a7e4cd898afe869dc8154dc
encoding: FLOAT32
metadata:
{"chroma:document": "In March of 2018, I purchased a furniture for $2940.85 from Overstock. The customer service person told me that If apply and buy through the Comenity credit card I will have 36 months interest free. As per this I applied the comenity credit card. I have been making monthly payment without fail. Never missed a single payment. On 08/30/2019 I had a balance of $175.86. in my account. When I looked at my account again 4 days later on 09/04/2019, the account has been charged for financial charge of $700.71 for a %175.86 balance. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f86e51573b1f45c5bb0239238aba681c
encoding: FLOAT32
metadata:
{"chroma:document": "They constantly increase my minimum payment for no reason, using the excuse of \"We sent a notification\" to make it OK. I have never dealt with any company that has done this before. The minimum payment should only go up if you have spent more on the card. Then it makes sense. But if I haven't used the card in over a year, they should not be constantly increasing my minimum payment! Then if you call to speak to someone, you deal with incompetent people who have no idea how to answer your question and have no intention of finding out. \"Oh I'm sorry, but that's just the way it is. They sent you a notification.\" Then you have to insist that they find you someone who knows, because someone SHOULD know, don't you think?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 13f75dbd331940f09945fedc405e5585
encoding: FLOAT32
metadata:
{"chroma:document": "Lets start out by stating that they when I used a line of credit through them they did not tell me the interest was deferred. They did not tell me the interest is 29.999% APR. So when I paid the balance of $3500 down to $2600 all of a sudden the deferred interest of 30% hit and I got a lovely $4700 bill. My $65 payment went to $190 each month. Did I mention that each payment I make results in a $121 interest charge so essentially going to stay in debt. This is disgusting. Never have I ever had my minimum monthly payment more than double."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cb797d6b95674ab198c28cc74d2c342c
encoding: FLOAT32
metadata:
{"chroma:document": "On February 14th, 2019 I purchased a wedding ring set from my local Kay's Jewelers. When checking out I was offered a promotional plan for 36 months and took it knowing we would pay the account off in about 30 days. Worst mistake I've ever made! March 16th 2019, I went into Kay's to pay off the account, gave a check and was assured there would be no problem. April I received a statement for $8 and change and paid it. Then May received another statement, now for $19 and change and again paid it. Didn't receive another bill until July with a balance for DOUBLE the amount originally charged. I immediately checked with my bank and there was NEVER an attempt to take the payment for the account. I have called MULTIPLE times to get this taken care of and continue to get the run around. They have now messed up my married name and I am required to fix it when they made the mistake."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ff0ad54ce4274a83a2b5d8e50bceb1f1
encoding: FLOAT32
metadata:
{"chroma:document": "I share the same experiences with Comenity Bank, paying on time and it takes sometimes a week to debit my account, charge a late fee, and the customer service is awful. I close my JJill account and will do the same with Talbots and Loft. I can see reading the reviews, I came to the conclusion that nothing stops them and hopefully the consumers affair can put a stop of the way they do business. I have a business for the last 43 years and I can not believe that they get away. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e6a35b3b8b3a400fb711e087de2f2744
encoding: FLOAT32
metadata:
{"chroma:document": "The second they email you about your card statement being available online, they also call you from multiple different numbers every hour on the hour. Bill isn't even due until next month. No past due balance; nothing. Just straight harassment. Absolutely a nightmare to deal with; never again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ad6c3a04046f43a4b980857eb4b6695a
encoding: FLOAT32
metadata:
{"chroma:document": "I opened this card in July of 2019. I have made on time payments every time. I recently added a new account to my profile so that I could use it to make payments. I received an email stating that the payment was received and would be deducted, pending final authorization from the bank. My daughter tried to make a purchase last week but couldn't. I went to check and it said that the payment was returned. I didn't understand why since the account had plenty of money in it, but I paid with a different account since the payment was now considered late."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d3af1aa73ef48ac84aeb9f1cbfd3cd4
encoding: FLOAT32
metadata:
{"chroma:document": "I paid off my account on August 8, 2019, called in specifically to make sure the amount was correct. Two weeks later I get a bill with added interest after a 24 -month promotional offer of no interest. It is not my fault that interest is applied a month later, very misleading. DO NOT use COMENITY BANK."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 98b7e4e36d40425f9495ee6098ba2dc0
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for the credit card on Ulta's website due to a promotion. If I applied for a credit card I would get 20% off the purchase. That was the only reason why I applied for the card. After I completed the application I was told that my application was under review and they would let me know the status within 10 days. I have a credit score of over 800 and there was no reason why I should have not been approved for the card at the time I applied. I pay all of my credit cards in full, monthly. I received a letter from Comenity stating they could not continue processing my application until I contacted them directly to verify information. As I write this, I have been on hold waiting for an agent, 1 hr and 55 minutes. I don't know what information they need verified, but at this point I would never do business with this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8ca9e6a02f3f4f828659814adaa35dab
encoding: FLOAT32
metadata:
{"chroma:document": "I would not give them any stars if that was an option. I have not seen this issue in any of the reviews. I just recently joined BJ's and decided to go ahead with applying for the credit card since they had nice cashback incentives. About a week later I received a letter from them stating my application cannot be processed and to call them to provide more information. I have excellent credit and have never had this problem before. I called them and some of their questions were invasive and personal and I immediately had a feeling this was not a legitimate company. They then told me that I would receive another letter requiring more information which was really surprising. I just received that letter and they are requiring copies of my driver's license, social security card and a copy of a utility bill or bank statement. This is ridiculous and unheard of. I feel this is very fraudulent and of course will not comply."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 36be3f47214f4c6b966c1687663d6827
encoding: FLOAT32
metadata:
{"chroma:document": "My statement for the month was 2661.32 cents. I paid 2661 due to rounding error and was charged 13$ as finance fees. To add insult to injury on calling customer service the agent schooled me on where I can find details of the Finance charge buried in their terms and conditions. Most ethical banks would waive off the fee. I have cancelled my card as I do not want to encourage their unethical practices."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 99ffb8bb531448aabe79017637f33032
encoding: FLOAT32
metadata:
{"chroma:document": "I bought $62 of cosmetics at ULTA Beauty and opened a credit card in order to use the \"save money coupon\". The credit card through Comenity Bank was due May 12. I didn't get the bill on time. The Post Office sent me a letter dated May 10 2019 that my mail was being held until my new address was confirmed as they believed my online postal account was compromised. (It wasn't.)"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d310d95f947a416bbb1cb3ad23b564ea
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metadata:
{"chroma:document": "I financed a small portion of a $14,000 Kays jewelry ring. Bought on 8/9/2018, the ring was custom, and awfully mounted upon pick up. I proceeded to have the worst experience with the product with it breaking several times, including on day 1! It was not in my possession for the first time until 9/1/18. In the first year, my wife had the ring for a combined 5 months at max with it in and out of the shop. I, however, CONTINUED TO PAY MY BILL ON TIME. I received the deceptive \u201c0% finance promo plan\u201d of paid off on a year. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d5572267889b44cda9353ac9771e6bc9
encoding: FLOAT32
metadata:
{"chroma:document": "One of the most difficult experiences I have ever had with a financial institution. I was told by Wayfair to institute a dispute so that the Comenity-Wayfair dispute process could begin. I had to speak to four different people at Comenity before I reached someone that helped me. The first three folks I spoke to were had no interest in helping me resolve my dispute. Initiating the dispute does guarantee that I get what I want. Just a horrible experience."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d5052823215440e0ad8ef2333b7fcf2e
encoding: FLOAT32
metadata:
{"chroma:document": "My wife got a credit card tied to Bealls of Florida. Some time after using it, she got a letter saying they could not contact her by email. They did have the correct email address. I made phone calls to get the bill paid and I tried to arrange for future automatic payment from my bank account. Automatic payment is either very difficult or impossible. I'm not sure which. Last month, I spent half an hour on the phone with a customer service rep to pay my bill. When I was done, I was assured that everything was ok. Maybe for Comenity it was ok."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: dbc48d62accb49d383ad9d073bd809b8
encoding: FLOAT32
metadata:
{"chroma:document": "I have been trying to make payments on my card via their website. I managed to pay a few small amounts over the past weekend, it would not allow more than one payment in a day, though that was how my outstanding balances would come up. I have a low limit which is fine, but after my purchases have been made and shipped, it\u2019s not reflected when I log into the account, so I can\u2019t pay it off and make more purchases."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1b558cce8b954cb9a0a0aaa7740c1e2b
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metadata:
{"chroma:document": "This company is a joke. I applied for financing on a $15,000-$20,000 engagement ring. With an 800+ credit score and more than ample income, they offered me a $1,000 credit limit. When I called 15 minutes afterwards, they said they would need to pull a second credit report to increase my credit limit. Pathetic. I am reporting this company to the BBC. Pulling multiple credit reports in a matter of minutes to meet original expectations is bad business, plain and simple. The customer service representative did not help at all. Also disappointing my jeweler referred me this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a5e3308422d94f87a4a172c206d4fa70
encoding: FLOAT32
metadata:
{"chroma:document": "I have had two highly negative experiences with Comenity Bank. Both involved bills indicating that I had not paid on time with an addition of exorbitant late fees. In both instances I had sent in checks much before the deadlines. When I made an attempt with a phone call to address the problem, I was told that I must have sent the checks to the wrong department. I had mailed my checks in the envelope they had provided and I had checked to see that the address was clearly shown in the envelope window. I was also told that I had an outstanding bill on a credit card from a shop that I frequent, but I don\u2019t have and never have had a credit card from that shop. This is inefficiency at its height or it\u2019s a scam. I am highly suspicious of this company and will report them to every watchdog agency I can find."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f8ef015223ce45709b8b982982044cc1
encoding: FLOAT32
metadata:
{"chroma:document": "I sent your shop and then you can company so I realize I was being ripped off by Comenity Bank. I noticed that I started to receive high interest on items that I no longer even owned. I would shop in the stores without trying on clothing and when I got home if something doesn\u2019t fit or if a gift I bought for someone didn\u2019t pan out right I will return it. However many times I reviewed my statement and it seems that I was being charged interest on items that I no longer had or returned. I opened up an investigation with the Better Business Bureau and guess what they ended up telling me that all charges and fees were related to the charges on the account. No one in their response team will break down the actual fees related to a particular purchase. I decided I had enough and I asked for my account to be closed. At the time of closing my account I had a 1300 credit limit and I had used 800 of it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c9f658194ee743d1a2a2b3efada98af2
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{"chroma:document": "I received a pre-approval from Caesars Rewards Visa.. A Comenity Bank issued card. I decided to accept, and received a $7,000 limit. They sent the card and I have about 2,000 charged on it. First payment made today (9/3/19) They have closed the account! They said I have too many inquiries on my credit (5 in the last two years). Terrible company, would not ever recommend!!! The same inquiries were on my credit when they issued the card!! I now see this is their game, they apparently do this to a LOT of people. Wish I had done better research before accepting. DO NOT DO BUSINESS WITH THIS BANK!!!! I have 100% on time payments on my credit, have no collections, etc. Should be illegal for them to harm peoples credit!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 12a325b373014c1ea6dd359e6232e65f
encoding: FLOAT32
metadata:
{"chroma:document": "This company offers 0%, but then arranges the promotional rate to end short of the due date of the last billing cycle and does so extremely deceptively. They have other lawsuits listed. Do not get a card through this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e92b58ad26554806b06b259d88aaab81
encoding: FLOAT32
metadata:
{"chroma:document": "I have a Comenity Visa with both Eddie Bauer and Williams Sonoma. I have had issues with password recognition and Comenity's log-on experience for both vendors. Recently I signed up for autopay as I travel and wanted to ensure no payment was missed. Comenity then applied a payment on my account though no statement had been generated. On inquiry, Comenity stated that when I signed up for Autopay they advised me of the date they would withdraw first Autopay. Silly me, I had thought the first Autopay would follow the statement and be in accord with the end of the billing cycle. This is BAD business practice and is Comenity's way of gathering in payments before they are even due. I will be cancelling both the Eddie Bauer Visa and Williams Sonoma Visa."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b832a81e967c4195ae9ab18990ac18fb
encoding: FLOAT32
metadata:
{"chroma:document": "What this bank is doing should be illegal! I have 5 Department Store Cards from these crooks - Children's Place, GameStop, Williams Sonoma, NY & Co... One month they said my payment didn't go through for 2 accounts because I \"didn't have a valid Bank Account\". I do and I use it daily. After spending a week hearing ridiculous excuses from their uneducated employees I just paid the late fees and moved on. Then they wouldn't let me use my bank account as a punishment for 3 months. After 3 months, it never fixed and I'm still using the alternate bank account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 10ec7e0ff6804eef8679f99f2b616b9c
encoding: FLOAT32
metadata:
{"chroma:document": "I\u2019ve had a Victoria's Secret card for a few years now. I\u2019ve always tried to pay on time except for one time when I forgot to make my payment. My payment is due on the 16th. My last payment I made on the 16th at 5:47 pm Pacific time. Is it not still the 16th somewhere in America? I not only made my payment, I paid off the balance. Today I checked my email and there was a message saying I owed $30.00. I was shocked and confused, I thought this could not be. I paid off my entire balance on the due date. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 513bfb2897a8408491db78d7c6cc5a81
encoding: FLOAT32
metadata:
{"chroma:document": "I attempted to reduce my monthly payments because of my reduced income. Every other company was willing to work with me to reduce my monthly payments as I am unemployed and caring for my husband, who is disabled, and my son, who is a disabled veteran. I attempted to use the Account Assure and they denied me those benefits despite the fact that I paid into them. Comenity employees harass you, they barrage you with collection calls, and they do not leave you alone. Further, they pass along excessive late fees and interest, even when you make a payment. If you call Pier 1 they say they have nothing to do with the financing company. That is absurd; they use Comenity to do their dirty work. In addition, the customer service leaves you on hold for hours and they will not work with you."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 80acb05160534d8888c82692784bb386
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{"chroma:document": "We have owned this MC card through BJ's Club for many years. All our purchases at BJ's and some automated monthly payments to a few other companies are always paid off in full every month. This card has occasionally been used to make a single non-recurring payment to other entities too. Never had any problem with the number of charges or payments until now. Suddenly we received an email announcing that the automated payment to OOMA, a phone company, had been cancelled. No reason given. We followed up with our own email requesting an explanation. We received the following \"There have been multiple payments/credits and/or purchases posting to your account in a certain period of time. Because of this, we may not authorize your transactions today. This is a fraud prevention measure in order to protect your account.\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9fda9ac1f91c469bb5651c0cddafcdfc
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{"chroma:document": "I was charged late fees when I submitted my payment on time. I didn't have auto-pay enabled, however I submitted my payment before the deadline. However, I guess they charge late fees depending upon the final processing date. So you might have a payment due date of the 1st every month. If you submit the payment at 10am on the 1st and they decide to process it on the 2nd. They charge you a late fee I guess. It is truly ridiculous."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ee6d2081f174387a34ed96ad2b0e829
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{"chroma:document": "Initially, I have had a good experience with Comenity up until now. I had been trying to establish and improve my credit and Comenity had approved me and gave me a line of credit. Then they kept approving me card after card Wayfair, FullBeauty, Old Navy, Overstock, Williams Sonoma. I paid all my cards on time and paid off my balances. I took a break on shopping for a while cause I did not want to get in over my head. One day I received a letter from Comenity saying they were lowering my credit line on of my cards. They didn't provide a specific reason. I don't see why they did that. Most of my cards were paid off and the two that I still am paying off are in good standing. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: abaa7078156042cba7a13711cee2035a
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{"chroma:document": "Contacted by this bank regarding fraud on my account. Called the number they left to contact (given wrong number). Called 4 times. On hold over 25 min. Each time had to wait until I got home from work and find another card so I could be switched to their fraud department then on hold 28:23 min. Rude rude rude staff. No answers to why I couldn't get thru or why their automated system wasn't working. Sorry sorry sorry. Don't know don't know don't know. Must be what they teach their staff to say!!!! I Immediately closed my Card. Worst customer service I've ever experienced!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 307419f1c97b48139b9bd701274680e6
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{"chroma:document": "Absolutely horrid experience. If you don't want to hand over your banking information and you mail in your payments they will always be marked late (Add in a \"finance charge fee and a \"late fee\") and if you pay in store, the part time high school staffer doesn't know what to do with your check you wrote so feel comfortable handing that over to also be processed \"late\". There goes another late fee and finance charge. When you call to dispute, you end up on the phone with some rep who obviously hates people and argues at length with you even when you are being reasonable and patient. I cannot believe they are in business. I returned my products, am still disputing their charges because they have ALONE made my credit drop over 100points in a month with this sneaky trick. Unbelievable scam. RUN FAR AWAY. Buy online from outlets not through this crap. So not worth it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fdc3b3d7bb504cfe8c252426d20ee819
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{"chroma:document": "Like everyone else here, I would assign ZERO stars if that was possible. I signed up for a few services as Ideal Image which at that time was going thru Comenity for financing. My total service fees were about 4K. I set up autopay and as of last year at this time, my balance was under 1K. Upon seeing a payment to them today, I happened to open it, thinking \"shouldn't we be close to being paid off?\" Lo and Behold, without ever stepping foot in Ideal Image in 3 years or incurring any services whatsoever, according to them I now owe them 2,300.00!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 38b310ca2fd74ef2ad99c521127d2083
encoding: FLOAT32
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{"chroma:document": "All of my Comenity credit cards were closed, or credit SIGNIFICANTLY reduced! ALL accounts ARE in EXCELLENT STANDING!!! This is happening to EVERYONE! Comenity has acquired NEW cards, Carters/Oshkosh and Sephora&Sephora Mastercard. Looks like they're freeing up their debt in order to secure other vendors, at the consumer's expense. What a LOUSY way to treat your customers!!! And NO notifications!! Comenity you SUCK!!!! BIG TIME!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef4db1d7ee754573b06b8a2b28f2cc3d
encoding: FLOAT32
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{"chroma:document": "I received a Meijer credit card through Comenity on July 23, 2019. I had not used the card at all yet when on August 3rd, I received a text asking me if I had made a purchase for $114, I responded no, I had not....long story short, they send phishing-like texts and send you a number to call that is nowhere on the site. I called the number on the card and all they could tell me is that it was used in Waterford, MI (I live in Southern Ohio) and that I could file a fraud claim. Then I found out that 2 transactions went through, I was told they would flag them and would send me fraud paperwork to fill out. It is now 8 days later, I have no paperwork and the charges are still on my account and I still haven't used the card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1a071cd937f84b5d8ca644d0f1d66f26
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{"chroma:document": "On 11/28/2018, I received a letter from a company, Comenity Capital Bank, stating that a Big Lots credit card account revealed potential security concerns and/or irregular credit card transactions. (see attached) I immediately called the company Comenity Capital Bank and informed them that I do not have a Big Lots credit card and never have and that my name is not the same as on the account listed on the letter and they stated that they would investigate for fraud. In a few weeks following this, I then started receiving harassing phone calls from the same company, Comenity Capital Bank, at least once a week stating that I needed to pay this balance. I each time told the company that this was NOT MY ACCOUNT and I did not have a Big Lots credit card and even spoke with someone in their fraud department to verify that the name and the ss # on the account was NOT mine...so they said they would stop calling me."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 251b2e7c23154cd9bccc32c517c59b16
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{"chroma:document": "I was a little nervous due to some of the ratings, but decided to give it a go. Very easy to open and fund the HYSA. When I wanted to withdraw from my account I was not able to figure out the confirmation required, so I called Customer Service. In conflict with some of the reviews, I was very pleased with the experience. The agent was able to walk me through the procedure and the funds were successfully posted to my bank account the next business day. Very pleased with the terms and rates with Comenity Direct and I am very comfortable recommending it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3765c46f01bd4ffab19515bc462f82aa
encoding: FLOAT32
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{"chroma:document": "I do not know where to begin. Comenity Bank is the closest thing to a fraudulent bank that tricks their consumers with their 12 month or 6 month promotional offers and then without any compromise charges people full interest on those 12 months. I bought an engagement ring on July 12, 2018. It is the day of the purchase apparently when the finance promotional offer starts. However, the customer representative at Blue Nile and Customer Service Associate at Comenity failed to clarify the information. I did not receive my credit card on time (which you are supposed to use to activate your credit card and account to start payment). I did not receive my card the first two months since they mailed it to the wrong address. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8b0e1056872847a5bf947237b8917a7a
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{"chroma:document": "We have 6 accounts that Comenity services. They are terrible at reconciling issues. We have been going back and forth since May with them and it is now August and no results. Once our acct is paid off we will NEVER use them again. Our checking acct had a hold on it due to a large deposit which unfortunately returned a payment to Comenity. We have sent them letters from our bank and are still not able to utilize our acct for payments. We have to call in every month and they have to override the error in their system for our payment. They had the nerve to tell us we could just go and open up a new checking account. I told them no that they can just fix their issue. Surely we are not the first customer to have a payment returned. It's totally ridiculous to cease all payments from an account just because of one returned payment that wasn't even due to insufficient funds but because of a hold. Terrible terrible company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c661d11d026b472786a35c0ebcfd4941
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{"chroma:document": "I purchased an engagement ring through Kay Jewelers, opting to get credit card through this bank not knowing they just had changed creditors, found that out after the fact.... The first 3 months they screwed up my payments with 1 year no interest. Until they could correct the issue, I had to pay the going interest rate at 29%....RIDICULOUS! I had to pay damn near $650 a month. Luckily I was blessed with the funds to pay this card off immediately. Now if I see anything associated with this bank, I run the other way! Don\u2019t do it!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 635bb079a9734107ace6108e5253a275
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{"chroma:document": "I purchased a wedding ring through Comenity and Jared. They offered the 12-month interest free program, but automatically billed me on a different day than my ring's purchase date. Therefore, my last payment was a few days after that 12 months \"matured\", and I was charged all of the interest that was foregone with the deal. DO NOT WORK WITH THIS BANK."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b50c5783fa794b3696e5b2f6706cd173
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{"chroma:document": "I had 5 credit cards with Comenity, 3 of which I paid off in full (Overstock $1000, Pier 1 $800 and Carsons $900.00). I had excellent monthly payments on all of them and the available balance was the credit limit, yet Comenity closed all of them. The other credit cards I had with Comenity, as I paid down, they decreased my limit to what was owed (Venus $500 now 200 and HSN $1000 now $200). I have been trying to build my credit score for a major purchase but cannot build each month they make my debt to income ratio higher due to decreasing the credit limit to what is owed (ie, credit limit of $500 owe 240 decreased limit to 300 now debt to income ratio at 80%) and this has been going on for months. What can I do to stop the madness, this should be illegal. I want legal help against this company!!! How do I shut Comenity down? They are destroying credit for good payors like myself."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a4df353a33834f0c8537102165141e7e
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{"chroma:document": "Like others have said, their online banking system is horrible. It is not user-friendly at all and is unintuitive. But more importantly, it did not credit me for interest earned for the month of July. I already contacted the BBB. I\u2019m not certain what is going on with this bank but my recommendation would be to avoid them at all costs."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1883adc7f8ae42ba838b8b9fc6521978
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{"chroma:document": "I have a Victoria's Secret and Ulta card through Comenity; I can't say that I have had any issues with my cards as of yet. I applied for Wayfair Credit and I received a letter to call with more information, there has been a hang-up with the credit bureaus since I recently changed my telephone number. I HAVE BEEN ON HOLD FOR ALMOST 2 HOURS TODAY TRYING TO SPEAK TO SOMEONE! The experience has left a bad taste in my mouth, if you want people's business the absolute least you can do is answer the damn phone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Please be aware of their online payment site. It is not user-friendly and it is hard to enter bank information. I feel that it is set up like this purposely so they can charge more fees. It's best to pay it on the phone or go onto the store. I apparently typed my bank account number incorrectly and the check was returned, so they put a 90 day hold on my account plus charged me a $28.00 fee that they say they cannot give you a courtesy reversal. Very poor inconsiderate customer service. I think this bank has a scam going on with this online payment option and making money off of people that don't have the account number entered correctly. The customer service representative even told me they see this error all the time and there is nothing they can do about it; it is still a returned check."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e272ab9874224d5e9b2ee8cf1086f6f6
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{"chroma:document": "The online banking site is poorly organized. No way to add or change beneficiaries online. You have to call customer service for everything. The online messaging is a joke. They advertise they will respond in the next business day, but they never do. Takes over a week to get an answer and often they just don't answer. Calling on the phone is another adventure. It takes forever to get anybody on the phone. The wait time is so long that you have to give up. The advertised rate on saving is good, but with such a bad service it is not worth the efforts. I recently opened A Comenity Direct bank savings account, but given the experience I'll be closing it up soon."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b30b43c8e79b4977979971dc5df42868
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{"chroma:document": "Which credit card company does not have the ability to allow consumers to setup automatic payments, and then offer paperless billing, and then hesitate to waive late fees because THEY didn't have the ability to allow automatic payments?? Comenity. They are SO designed to cheat people out of their hard earned money."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16a83ef340154db48bffdf64eb1e48ea
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{"chroma:document": "I established a line of credit with 12 months of free interest. The bank will send you a 1st statement with the payment divided by 12 month so you think that you are actually paying everything accordingly but they fail to tell you that the time of payoff begins right when you open the account. They should divide the balance by 11 not by 12 because in the end you will be late and get hit with the full interests for the past 12 month. They are deceiving and is definitely set up to make money for the bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 81cba3fd3ac648a79dbf3caaa327f378
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{"chroma:document": "I got a line of credit with 0% financing. It states all payments must be on time. I have excellent credit and a perfect payment history. First off when I got my bill there was no account # on the bill. Was told it was on a letter I was sent, found it finally. Said it was not there for my security. All my bills have account #s on them. Second I was told they don't do automatic withdrawals so now there would be no way in telling if a payment got there in time and as I quickly found out my fears were warranted. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 54aa6f8e18214b9e866b3ee8d699d1f3
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{"chroma:document": "First time buy in Ikea store was a good experience. I was offered a 6 months no interest credit card. I decided to applied. I made $500.00 purchased. My intention was to paid off the account before 6 months due date. My purchase date was June 14 2019, on July 1 2019, made $100 dollars payment. Never got a notification that their system was down and couldn\u2019t get my payment to my bank. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 71e0106535e74046aa783cba86bd7813
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{"chroma:document": "I was issued a refund on 07/11/19 by Wayfair. Comenity bank is stating they don't see the refund?? This is the exact thing they did to me with my Forever 21 account that was actually fraudulently used. This is their way of holding your money and now an engineering team from Wayfair has to work on getting my refund issued. Comenity Bank should be out of business for the devious and corrupt ways they treat the consumers. I am on a limited income and they are messing with my credit. Stay away from this scamming bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d22f7a7864a54b71bfc97c499e80d7b1
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{"chroma:document": "First off, I've read all of the negative reviews and it's the card holder's fault and not Comenity. If you are on top of your bills, and pay them on time every month whether it's minimum, partial, or PIF they will treat you very well, give CLI's, and you won't have late fees. It is sent with the card in print stating the fees and due dates. If you are two days late, you will get a late fee. That's not Comenity's fault. If you don't like the fees and/or interest rates, DO NOT use the card and they will close the account like it was never even opened. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f1c31451722544caa8bf54d107434b09
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{"chroma:document": "I have a credit balance. I called and was told it would be 5 working days to have credited to my checking account. After this I called, and said it could be 2 weeks. I will keep the acct open to get my bonus in February. Then it will be closed, and never ever use them again. Ready to report to the dept of Banking."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16021dacb8ca430b8fb2bacefd58932a
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{"chroma:document": "I applied for a Ulta Rewards MasterCard and I was approved for $1000. It took more than the 7 to 10 business days to receive the card. When I finally receive it I take my daughter to Ulta so that she can buy something as well as myself. Then bought a couple more things someone else making my spending purchases of $385.15. I was not going to use the credit card until I paid the full balance. I receive an alert from Experian stating this account was closed by the bank after a few weeks. I called and no one communicated why, but that I would receive a letter."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "Just like others, I accepted their credit offer. With FICO score of excellent I received limit over $10,000.00. I liked the way they display pending transactions, and decided to use this card for my business. As soon as the charges totaled substantial amount, they closed my account without reason hence adversely affecting my credit utilization. I paid the balance immediately, and they couldn't do much damage to my credit. Nevertheless I take exception to the fact that time, and time again, despite my multiple requests, they will not provide me with the source of information that prompted closing my account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8c86700b152741b7affc25de822190ba
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{"chroma:document": "I was approved for an Ultamate Rewards MasterCard with a CL of $1,500. I thought that was fine and waited patiently for the card, which took a while to get to me but showed up as a new account on my credit reports. I went to go activate the card, which went through fine, and to my surprise it said I had no available credit. I thought it was a glitch, so I went ahead and tried to use it on the small purchase I already intended for it. Wasn't working, so I gave up. A couple days later it showed up on my credit report as a closed account and that they closed it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bb1ae5e581f14e4698ea119a8ef523e7
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{"chroma:document": "As far as collections go, they're definitely not the worst company I've ever dealt with. However they do have a tendency to talk over you. They'll ask you questions or give out ideas and how to help get it paid and if you try to respond they will completely interrupt you repeatedly over and over. The tone of customer service overall isn't terrible. But they're not super understanding. I battled cancer and having to move for medical reasons and the loss of my job over it sent me way behind, and they kept offering me a hardship program but with that I had to make a payment that to them was low but I just didn't have it. So I never qualified for this hardship program because I literally cannot afford to make the initial $20 payment when they needed me to make it. What I need is for them to set me up on something that can push my payments out a couple months so I could have it planned. They just made it really hard. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 034075debf4941a7b670227f41ff218b
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{"chroma:document": "BUYER BEWARE! This is a scam. The bank puts the pay off date much earlier than your payment date and unless you read the fine print to find this, you are going to end up making your last payment later than the pay off date. Then they charge you the full interest on 18 months because you did not pay by the due date. This is what happened to us. We are encouraging our Dental Clinic to stop using this plan as it is definitely set up to make money for the bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a22d8d6b5f8d4d24bea25e6e4feef289
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{"chroma:document": "I called to make a payment on my Dental First credit card. Followed the prompts on the automated system. Entered my social security number 3x and I was connected to a representative \u201cMark\u201d. Said, \"the system doesn\u2019t recognize your social because of a zero balance\"! I Owe $2100.00 at the time. I said, \"how is this possible?\" \u201cMark\u201d said, \"you have a 0 balance.\" I said, \"when will the account show a 0 balance.\" he said, \"July\u2019s statement!\" I said, \"Ok!\" So it\u2019s July the 2nd I received my July statement and now I owe $27 and for a late fee and the past due of $75 and & July\u2019s payment of $75 on the 19th! I called and there is no recording of my call on the 19th. I spoke with a supervisor and she said she can\u2019t do anything for me because the call wasn\u2019t recorded!??? Before I hung up on the ** I said, \"Comenity Bank can kiss my **!\""}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b33e36806473407485ee56354ca66fde
encoding: FLOAT32
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{"chroma:document": "In August 2018, I received a letter from Comenity Bank advising that I could sign up for e-mail and text alerts for charges made to my B.J.\u2019s World Mastercard credit card account. Up until this time, this credit card was the only one I had that did not offer this service. I attempted to sign up for these alerts but every time I tried, I got an error message that said, \u201cWe\u2019re sorry. A technical glitch occurred and your request could not be completed. Please try again.\u201d I tried setting different dollar amounts for the alerts; tried requesting only e-mail alerts and then only text alerts; a combination of the two; tried different web browsers; cleared the cache in between requests; and, even tried different computers in the house, including a Macbook, but still got the same error message."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e90f3775b6d34a31987d3e5f12496b3c
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{"chroma:document": "Do not use Comenity Bank's credit card. We made a purchase from Arhaus (love the furniture there - this is not a ding against Arhaus) and used the 0% financing option through Comenity. They did not explain the terms of the payment plan well and we paid it off, in accordance with our obligation, within 6 months. Nevertheless, because we paid it off 2 days after 6 months from the actual purchase date, but within the 6 month period and billing date, which we had understood to be the relevant date, we were charged 100% of the interest from the original purchase. Our final payment outstanding payment as of that date was less than the interest that they ended up charging us on the entire thing. The bank was completely unwilling to work with us and their emails and website made no indication that this was the requirement. NEVER EVER finance or borrow or work with Comenity."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
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{"chroma:document": "I am very careful with my only credit card. Last June 2018, a Victoria's Secret Associate \"tricked\" me into their Angel Card, stating that if I sign up for this card I would get a discount. They did Not mention it was a credit card and the remainder amount of my purchase would go in that card. I never used the card or even activated it. 4 months later I see 100s of dollars amount pending. I paid it off right away asking my account to be closed. The incompetent staff at both these organizations made no efforts to help me with the dispute and kept asking for payments only. The result is my CREDIT HISTORY IS DESTROYED!!! I am unable to get credit cards or rent an apartment because of this. And even now they keep reverting you to write letters for this matter at their PO Box which will never get responded back to. Am sure I am not the only one they have scammed this way."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2ce214c3926045b3834e2503a7b26412
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a CD account over two months ago. I noticed the funds had not been taken from my bank account, so I sent them multiple messages over the last month to try to get an answer as to what was going on with this, and I have received ZERO reply from them. Their message system specifically says 'we'll get back to you shortly' when you send them a message, but this is a flat out lie. I am left not knowing if the money is suddenly going to be removed from my bank account months after it should have been, or if I can use the funds for something else. I was expecting to be earning interest this whole time, but I am just left completely hanging by this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f6a67ccfcf344b99b3e96f6bc06dc133
encoding: FLOAT32
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{"chroma:document": "I have had many issues with this credit card. I originally opened it up to use at Express stores. They change your due date without telling you and send a letter 60 days later. DON'T USE THIS BANK!!!! THEN CHARGE YOU A $30 LATE FEE!!!! DON'T USE THIS BANK!!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1b56f9deaed5426c8eff53b51bbb2e38
encoding: FLOAT32
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{"chroma:document": "Comenity regularly, deliberately (it's happened far, far too often to be mere incompetence...), misapplies my payments. By that I mean they apply my payments in ways other than as described in their card-member agreement and/or as I've requested during phone calls with their reps. Over the past almost 6 years I've had to get on the phone with them more than 6 times a year. Here's their trick - they offer very attractive 0% balance transfers with 3% one-time charge for more than 12 months, but rather than applying payments [IMPORTANT! AFTER any excess of the minimum payment. Learned THAT lesson the hard way...] to the balance with the highest APR they'll apply it to the LOWEST APR, which of course benefits them (and is fraud!)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6ed978dad17e4719adbba6a94ebe21fb
encoding: FLOAT32
metadata:
{"chroma:document": "I read about this bank on Bankrate.com with good interest rates for savings and CDs. The process to open a savings was pretty easy but website is clunky by comparison to other online banks. A few weeks later I attempted to open a one year CD using my same checking acct. and it went downhill from there. Before the CD was funded they said they need to do micro deposits from my checking acct (same acct I funded my saving with). What is wrong with these people? After a week no micro deposits...no transfer, no email, no phone no letter nothing. The CD acct disappeared from the website no explanation. I called and no clue why it happened. I asked to close my acct as I can't transfer money from savings. Two days so far and still waiting. Terrible Banking experience. Steer Clear of this so called Bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: eaa82a91af4d45d7b33beb4c5d4590de
encoding: FLOAT32
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{"chroma:document": "COMENITY does not deserve any star..... Don\u2019t trust that 18 months no interest program, it\u2019s a hook\u2026 We're so happy when Overstock offers 18 months no interest when made my purchase of Massage Chair. Received my bill from COMENITY - Overstock.com. Had set up a payment schedule to pay $101.00 every month of my $1,837.95 since the purchase made on Nov 2017. As of May 30, 2019 paid the remaining balance of $120.95 before the statement due date of June 4, 2019. Received the final statement, expecting $0 balance, but $434.83 instead for interest. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 91c8bdd123d84d3f833babaec050a77e
encoding: FLOAT32
metadata:
{"chroma:document": "They do not post payments or transactions and charge a service fee that is unfair. They sent me the same response over and over about the charge like it's from a computer. I never know what my true balance is. I will never use them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 423a22cc3ac24ff198e4bf437c43d6e8
encoding: FLOAT32
metadata:
{"chroma:document": "Through the computer system I made a payment in full for the payoff balance. Three months later I receive a phone call that I am past due on my bill. They added interest and fees. As a customer, the pay off balance should equal the pay off balance. These scammers just lost me over $17 in interest and $50 in fees. Rip off."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4772784016a04b5ab07258dd7432c221
encoding: FLOAT32
metadata:
{"chroma:document": "They don't even deserve the 1 star, I would like to give them a negative number. I pay my bills timely online and did not received any notification that 12 month promotion is expiring, and now I am being charged with their high interest rate for the entire amount. I have tried to communicate with their customer service team several times, and they always have the same generic copy and paste answer. They will never get my business again due to lack of transparency and robotic customer service."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d04c9537c0304681898c42ffbeaf12f6
encoding: FLOAT32
metadata:
{"chroma:document": "I AM PISSED!!!! Sorry, but I am fight texting right now and my explanation may jump everywhere but I hope everyone who reads this will get my point. I have been a loyal customer with NY & CO for 3 years and never missed a payment. I have received 2 credit limits since 2016. As of April 17 2019, I sent a payment (oops used the wrong account) so I immediately paid it without any late fees but later I checked my credit and it says account closed, WHAT! I called customer service. They informed me my account still active and I need to file dispute with credit bureau. Ok! So I did."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a14321f11aa4746b8e8b01fa886d920
encoding: FLOAT32
metadata:
{"chroma:document": "I opened an account in March and didn't receive a paper bill until May 10 and already they had started charging a late fee. Since I was out of the country until the end of May (at which time they slapped on another late fee!) I now had a bill for three times the amount of my $20 purchase. I called and immediately paid the amount in full and cancelled the card. Then today, I get a letter recognizing the fact that I closed my account and had a current balance of $68.12!!?? Of course when I call, my balance is $0. Comenity Bank is totally irresponsible when it comes to billing and statements. I always pay my bills on time and this is very frustrating to me. Victoria's Secret, don't ever count on me to get one of your credit cards and I'm not sure I can even bring myself to shopping there again. Please get yourself a different system."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4fae3da638b344e1bce09268ab660edb
encoding: FLOAT32
metadata:
{"chroma:document": "This is what I went through with my Ann Taylor Loft store card, which I hardly used as is. My account was stolen and maxed out. It turns out that in order to use one of these cards in a store, is walk in there with your name and phone number, and pretend they forgot the card. They do not ask for an ID or anything - or at least so I was told when I reported the fraud. That is how seriously Comenity and Ann Taylor take security."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0a9e784276e24e8794d806cfd6f7f8f9
encoding: FLOAT32
metadata:
{"chroma:document": "After researching high yield savings accounts and seeing Comenity Direct's High Yield Savings Account 2.48% APY product advertised on a number of financial websites (e.g., Bankrate.com, Financialmentor.com, Magnifymoney.com, etc.) with terms that sound right for me, I apply using their online website application. I input my personal information - name, address, social security number. I come to a page from which I can choose the bank I want to transfer money from to fund my Comenity savings account as you need $100 minimum to open the account, and I select one of my other banks inputting my user ID and password for my other bank account (a nationally known bank) and then after ALL that, I get a screen that says they are unable to approve me for a Comenity Direct high-yield savings account. WHAT?!? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ff25d9527da343d8b1fd9d39dd8dd689
encoding: FLOAT32
metadata:
{"chroma:document": "While my overall experience with Comenity has been neutral, the bank has a strange business practice that potential customers should be aware of. When, for whatever reason, the bank suspends the account (questionable transactions, security concerns, etc) the policy of the bank is to NOT alert the account owner or customer (i.e., no text message, no email, no call). The customer only finds out there's a problem when the card is denied by the merchant. This can be embarrassing and certainly not a good customer experience. Repeated attempts to get resolution to this complaint have not been successful. I filed a complaint with BBB where I discovered the bank has the lowest rating \"F\". Clearly something's wrong with Comenity's management."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2e54006de4ba4c04a93f165ba810db1a
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity charged me 1900 dollars in deferred interest. I never received a statement, courtesy letter... Absolutely nothing. I called a few months prior to the charge to have my address updated. Of course the manager claims there are no records of me calling requesting paper statement and address updates. I paid my remaining $652 remaining the day I found out which was exactly one month after the charge. I would like to see these criminals see justice. I have excellent credit and always pay my bills. I use Comenity for my Victoria\u2019s Secret card as well. I will be closing that account. They have lost my business and trust."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1f55fb41f33545d4952980fb61532178
encoding: FLOAT32
metadata:
{"chroma:document": "I successfully opened a savings account but when I tried to add a CD account, I kept getting denied, which is really strange since I have a credit score of 830. Even then, this is a CD and not a credit card so why would you deny a CD account? I called their 800 number but that number is only for the credit card department. They tried to route me to the savings department, but I was routed back to the exact same 800 number. It's like the savings department does not exist! So I tried to email them and contact them online, only to have really slow response, and someone promising me they will call me when they didn't. Something fishy is going on and I might have to pull out all my savings from the account I just opened, and run."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 52e272bf56cd468f8f87815d8862b932
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity Bank has a decidedly anti-disabled attitude. They claim they treat all their customers \"fairly and equally\", which is ableist rhetoric; it's like telling someone that since some people don't need a wheelchair or a hearing aid, nobody should use one at all so it can be \"fair and equal\". They would rather disabled people drag themselves around on the ground so that things are \"fair and equal\". These kind of ableist company policies are disgusting."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7d4fe5139a8f4083a755efd129c4a250
encoding: FLOAT32
metadata:
{"chroma:document": "Will someone please tell me how to get in touch with corporate. I have experienced every single concern. Something has to be done. I'm in fear that if I pay them and close them I could hurt my credit score only to find out yesterday that one my paid accounts had been closed due to inactivity. This Comenity bank can't get away with this, my FICO score has dropped 15 points dealing with this mess. Someone please help and post about so that we can help everyone else."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b752ee3b1714439391b98d7e3f829524
encoding: FLOAT32
metadata:
{"chroma:document": "Tried to open a saving account and was denied. Contacted the bank for an explanation (required by law by the way) and was told they did not have to explain anything at all. No idea how someone can be denied opening a saving account. Opened with Citi the very next day."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 07322f874f254410b91ee7e6c470a897
encoding: FLOAT32
metadata:
{"chroma:document": "I am in the process rebuilding my credit after a bankruptcy a few years ago. I opened accounts with a small limit with some different businesses that use Comenity (mostly fashion/retail). I have paid all payments on time and all of a sudden, they lowered my limits due to a temporary decline in my credit score due to an error that was taken care of. My score recovered after the error was taken care of but they used that one moment in time as an excuse to lower the ;limits on all the accounts that they service, which in turn caused my credit score to go down more. I am in the process of paying off and closing all Comenity serviced accounts. The Businesses (as well as Comenity) will be the ones to lose as they will not get my business anymore."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ac428b4b2f874454a1f9b3599fb8fc64
encoding: FLOAT32
metadata:
{"chroma:document": "This bank sets you up to fail. They provide you the minimum payment, which goes down every month. So you pay it on time, every month, thinking you are on target. Nope, this predatory bank is depending on you having a balance at the end, so they can charge you INSANE interest. 4000 bed set, added 2400 in interest?! They do not send an email or letter saying \u201cFriendly reminder your promotional time is nearing an end!\u201ds. Just a little line item in small print on the last page of your statement."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 20c5e91c3b1f4b529eaf50fc7b33a7d5
encoding: FLOAT32
metadata:
{"chroma:document": "I have a few different Comenity Bank card from various stores. While most have auto pay, New York & Company does not. Every month I go in and set the payment to pay off the balance. SOMEHOW last month it didn't take. I called to get the $27 late fee reversed, and they said they only do that once every 18 months. I told them in 2019, there is NO REASON any company shouldn't have auto pay. They told me that New York & Company OPTED OUT of auto pay. So yes I will be doing a review for them next."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 34c13883535849d88dc7af1846fc90b1
encoding: FLOAT32
metadata:
{"chroma:document": "Purchased a watch in the Bahamas at Little Switzerland with 24 months FREE FINANCING and made every payment on time. Made my last payment on the day I made all my other payments & had a zero balance. Comenity charged me $3921.94 interest!!! I called and they told me the last payment was due early and there is no way to reverse the charge. What a SCAM. BEWARE!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0b4d1c14be2e4348bd0ea36227c68577
encoding: FLOAT32
metadata:
{"chroma:document": "Hello. Comenity Bank needs to be investigated on the many complaints I see here. I myself need to post this issue I see. For some reason I seem to be Comenity's bank target. They own Pier 1 and Express stores' credit accounts for charge cards. Even though my account has maintain a good standing of repayment history and usage. I have begun shopping for a home loan and all of a sudden this (Comenity Bank) decides to issue a report of decrease credit that put me in a immediate disadvantage with a drop in my credit score. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c0ea4272af24495daa37afda0e8985fb
encoding: FLOAT32
metadata:
{"chroma:document": "I have recently opened C21 dept store credit card without knowing that is it issued by Comenity Capital Bank. I regret my decision now. They charged me returned payment fee for the payment that I have made through my bank saying that it was my bank's fault. I explained them that my bank never stopped the payment and it must have been an error. Comenity Capital Bank manager, who is very rude and disrespectful informed me that they will not return any fees, because it's company's policy. They think they can get away with anything. Scam artists work on this bank. Stay away from them!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1214f289b7d44a3ba2802f4cd64dd733
encoding: FLOAT32
metadata:
{"chroma:document": "I'm a victim of identity theft. It's stated in my EQ and TU credit report but EX failed to report it. I have a police report and all. I have a 100% pay history! They dropped my CL $3000 to $900! No call or warning!That tanked my scores! I called Comenity but it was of no concern to them. They refused to pull my other bureau reports or take my perfect history into consideration. They were rude and treated me like I deserved it and I had done something wrong. The only reason I got the $900 was because my balance was $850. I closed my account and told them what to do with that $900."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef2a6e0cef3341f8a131354243e97baf
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a Goody's credit card and used it same day. I had forgotten about it until 90 days later when I received a statement. I paid it in full, hefty finance charges and all. I then received another late fee. I called them and explained that I had paid it and they waived the fee....or so they told me. Two months later I get another statement showing 3 months worth of late fees and finance charges."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 8e04ab4bdadf4fdc998309718eb3242a
encoding: FLOAT32
metadata:
{"chroma:document": "COMENITY CAPITAL BANK is the ONLY credit card company that doesn't provide automatic recurring payments. Any payment after 8 PM eastern time on the due date is flagged as late & a $38 late fee payment gets posted to your account. You can't get the late fee reversed, even if you were 1 minute past 8 PM eastern or 5 PM western. This is a deceptive business model they have. Imagine just 1% of a million customers make this mistake every month. That's 380K in late fees they collect every month! Now, I'm assuming they have more than 1 million customers, so you could imagine how much money they STEAL from customers on an annual basis. Word of advice for COMENITY! Offer an automatic/recurring payment system LIKE EVERY OTHER CREDIT CARD COMPANY & STOP TREATING YOUR CUSTOMERS like the piggy banks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 112a9ad147194e408609723a65623793
encoding: FLOAT32
metadata:
{"chroma:document": "I have no idea where this account came from, and have no affiliation with them at all. Showed up on my credit report and they repeatedly call me saying I owe them money, but won't explain why or where it came from. Worst customer service ever."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2c450706615e472ba949b5fd28f404f4
encoding: FLOAT32
metadata:
{"chroma:document": "If I would of known when I opened my credit card with David's Bridal I would have this terrible of an experience, I never would of opened my account. I paid for an $800 wedding dress with this credit card. Then when I made my final payment of $120, they \"sent my payment back\" and charged me a $30 late fee, and a $50 payment processing fee. Which was impossible to be late because I had made my payments 5-7 days earlier than when they were due."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0b50534b21a041bd9f198db9be6d035b
encoding: FLOAT32
metadata:
{"chroma:document": "I have a Gardner-White credit card through this bank. I was making monthly payments for my purchase, actually much earlier than the due date because it worked out better for me that way. Last month, I a made an early payment, and I didn't realize that the last statement period had not closed yet (it was the last day before closing). When my due date came around, I still owed the minimum balance, even though I thought my early payment would apply on this statement due date. I was charged a hefty late fee and interest charge. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 356a0361a6704725a17fed92212c29da
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity Bank sets up what they call an 'automatic payment' process which is, in fact, a manual process. Comenity is falsely claiming an automatic set-up, when in fact the consumer must manage the payment to ensure it is not late. They are not customer oriented, and probably make a lot of money on late fees (and ruin a lot of Credit Ratings) as a result. Be careful!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2f54034edf7048b9b487fbf1287fa637
encoding: FLOAT32
metadata:
{"chroma:document": "Opened a Bed, Bath and Beyond CC through this bank 2 months ago. They did not process my on-time payment until after the due date so they could charge me a late fee. When I called customer service, they tried to blame my bank. They waived most of the late fee, but not all. I then made another payment for the entire balance. I tried to use my card online and it was declined. I called Comenity back and was told that I was being punished for my late payment and was not allowed to use my card for a month. What?!? Am I in kindergarten? Horrible customer service to say the least. DO NOT OPEN ANY ACCOUNTS WITH COMENITY BANK!! They are crooks. Closed my account. This review made me give a star to process my story. I give them zero stars."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cdbac93621aa4cd498dcd7ba961d2c38
encoding: FLOAT32
metadata:
{"chroma:document": "I have 4 store cards with Comenity and at first I was very grateful for them taking a chance on me and helping me to build my credit, despite the ridiculous interest rates. (I have seen worse.) I've had my cards for up to a year. (I didn't get them all at once.) Everything was great until I made a purchase with one card and realized I was over my limit. The purchase was about 25% of the available limit I'd had. I contacted them to find out why they'd decreased my limit and they said \"something on your credit report\". Nothing had changed on my credit report other than credit card usage (their cards). I told them I'd been using my cards for months and ALWAYS made my payments on time if not early. They apologized for the inconvenience and that was the end of it. Ok. Whatever, right? "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 86846bdaa74e4d03824499a6adfec1d5
encoding: FLOAT32
metadata:
{"chroma:document": "Please DO NOT OPEN or get any credit cards from ANY stores that use this bank!!! Poor customer service, didn't send my credit card or bill on time and THEY just keep adding late fees even though I called several times explaining that I did not receive a bill or my card card. POOR customer service, still having a hard time trying to cancel this credit card I got via Ann Taylor. Never USING or shopping at Ann Taylor, they were not helpful when I called them either."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7958d3f01ad24b5997a2315bcbc92e44
encoding: FLOAT32
metadata:
{"chroma:document": "Unfortunately when I signed up for this CC I didn't know it was through Comenity otherwise I wouldn't have. They screwed me over when I tried to make a payment over the phone with them so I learned to never do that again. Fast forward, stuck with them again. I'm trying to get my card registered online, I've been waiting for my card to come in the mail, never came. Asked for them to send it again. Never came. Asked them to give me my account # over the phone. They said I had to go to a store. I'm nowhere near a store so I called them and they said they wouldn't be able to give me my account in the store anyways. Not trustworthy. I will only make my payments on-line because there is proof of transaction. DO NOT TRUST THEM!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 772120a4a0364bb38002e5dcfd2ba227
encoding: FLOAT32
metadata:
{"chroma:document": "They take my payment. It shows pending through my bank, but before it\u2019s processed they withdraw. Then charge me a late fee and say it\u2019s on my end with my bank. So I just paid full amount next month to cancel out account. But again they withdrew before payment is processed. Guess what another late fee. I\u2019m now figuring out that since it\u2019s 6 months no interest. They want to stretch this out as long as possible. So they can start charging me late fees AND interest!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ea799a9cca0c40a58fef1d36ebd45e15
encoding: FLOAT32
metadata:
{"chroma:document": "I have Comenity bank credit card and I set up on automatic payments that are sent out 5 days BEFORE they are due. They routinely charge $38 for late fees because they are saying they can't control the mail. When I asked to speak to the processing department they said that department doesn't receive phone calls. How convenient!!! Every month my payment is process 3 to 10 late so they can charge the fee. Big time scam artists!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f1f8322b5b4d48598671f49eef47c1cb
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metadata:
{"chroma:document": "All of my credit cards at this company are all in good standing and even got a credit increase. I didn\u2019t use the card for a little while, when I was about to make a purchase and checked my available credit, my credit was decreased. I called them the next day to find an explanation why. The Customer Rep couldn\u2019t give me an answer, she kept saying that corporate decided it and I will get a letter to let me know. I asked if I had a late payment and she said no. I know for fact I did not because I checked my credit to make sure before calling them. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 674b3a18c5de4b4f8daf38817c492b8f
encoding: FLOAT32
metadata:
{"chroma:document": "No one ever told me when I signed up for this card that I would have to drive over 100 miles every month to make payments. It was never in any of the paperwork that I had to have a bank account to make payments. (Which I do not and will not.) The closest Lane Bryant to me is over an hour away, and it has been a nightmare for me trying make these payments every month. The fact that you don't accept debit cards for online payments and then charge a $10 fee to do a phone payment is ridiculous and stupid."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a0c8a4f0140f4997a769ea930ab50422
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for an AKC Visa card, was accepted, received a bunch of letters from them, finally activated the card, and then got another letter saying they'd closed it because there had been too many inquiries on my credit report in the past whatever period of time. I just moved, bought a house, and shuffled around my finances, but I still have a credit score of over 750. I make over $150,000 a year and am single with no children. These people are morons and do not honor their commitments to customers or even do what's in their own best financial interest."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 538b1476a8e1497c8048c113a932aa1b
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metadata:
{"chroma:document": "I've never dealt with an organization with worse customer service. As a former Director of Customer Service, I can authoritatively state that either they have total disregard for the customer or are just idiots. I applied for a pre-approved card. It was rejected because the address on the preapproval didn't match the application, however it did match the credit report they pulled. OK, so I applied again, not preapproved. Rejected because it was the second time I applied in 30 days. Doesn't anyone read and understand that their first error resulted in the second one. But wait. It gets better. I wrote a complaint via their web site...which was rejected because....I don't have an account!!! With an 840 FICO score, this should have been a no-brainer. And apparently those are the people Comenity hires. Avoid them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7877e8e0598c4667a685ba1cb58e0adf
encoding: FLOAT32
metadata:
{"chroma:document": "I agree with the review that stated they hold payments and process a day later. But I am being charged a 38.00 late fee on 3/20/19 when my 200.00 payment was posted on 3/11/19. Bank is crooked and I am canceling card and will not shop from Wayfair."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 44791559bdd84a0794973b42aaf179c7
encoding: FLOAT32
metadata:
{"chroma:document": "I have many accounts with this bank. It's the biggest mistake I ever made in my life. After reading all the reviews, sadly I have experienced the same problems. They ruined my perfect credit. Always reducing your credit limits for paying on time and so on. We should get together and file a class action lawsuit. To top it off my debit card was hacked by one of there employees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 76e3616a8a6642eebb28263c876adfe9
encoding: FLOAT32
metadata:
{"chroma:document": "I had a one thousand dollar limit on my credit card. They send emails when my statement is ready....sometimes. Received no email and I thought it was odd so logged into my account. Found out I was charged whatever I bought at Bealls, which makes sense PLUS a $15 late fee. Ok, I paid it even though I never received the email. Went to Bealls the next day, waited on line 20 minutes as it was senior day. I was rejected to use my card because it \u201cdidn\u2019t clear yet\u201d from the previous payment. So I closed my account with Bealls because I don\u2019t need to be treated like a criminal due to the stupidity of Comenity Bank\u2019s ridiculous laws. Really liked Bealls, but my interaction with their credit company leaves me no choice but to get as far away from them as possible."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d46fcb9e053a426ebb3d3020c54ae90f
encoding: FLOAT32
metadata:
{"chroma:document": "I sent my payment a week in advance. They charged me a $25 late fee and processed my payment the next day. Then, they charged INTEREST on a LATE FEE. It seems to me that they held off on processing my payment so they charged a fee. No help from customer service, only a comment that they don't have a \"grace period\". I just cancelled my account, including the VIP card I JUST received. Very deceptive practices."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1880e637c4a843588ce2d996b1eead6f
encoding: FLOAT32
metadata:
{"chroma:document": "I had gotten two catalog credit cards back in 2016. My credit score at the time was around 470. I have been using my credit and paying it off as soon as I could and with all my hard work my credit score jumped to 579. Well last week I received two letters from Comenity Bank stating that because of my credit score they were cutting my lines credit down by half. How does an increase in my credit score mean that my line of credit needs to be cut?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: bc9c27ddc12d4b64909f0970c113afff
encoding: FLOAT32
metadata:
{"chroma:document": "I choose to use Comenity because I like the perks of Loft. But, it's about to come to an end. I utilized a balance transfer check for 4k. My line of credit was 6k. I had no balance, and prepaid $1100.00 on my future balance. My intentions was to pay off in 4 months to avoid interest. I had several small bills that monthly draft: Internet, cell, car insurance and alarm. All were rejected due to COMENITY actions per managers >>>> \"If a transfer check is used, we reduce your line of credit to 0.00 until the transaction is processed.\" WTF.. 1. You have not given me the $4000.00 yet, 2. I just paid 1100.00. 3. You would not allow my normal monthly drafts to be paid. 4. You just wipe out my line of credit without notice.. Who does that."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 32cdd09a44cf4d44922e71dafdba6ddf
encoding: FLOAT32
metadata:
{"chroma:document": "I never receive notice of a payment due and always have to remember myself. I have called about this problem before and always get a snarky remark with no help. This month I forgot to make a payment and they are unwilling to help with late fee but will send my request to a supervisor. I'm paying off my balance now and will close the account once payment post."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 6eb1e9b4e5114160b1dc11cb30e20974
encoding: FLOAT32
metadata:
{"chroma:document": "My credit limit was originally $600. I made a purchase of $60 and called to find out my due date. While on hold I learned that my NEW credit limit is now $100. I was SHOCKED, I asked the representative and she told me that it was in fact true. She told me that a letter was sent out a day before to inform me of the changes but the change had already been made. This is unacceptable, why would you guys change the amount before notifying your customers. This can have a major impact on people's credit score."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4dafe2bdfe6c4f4c9c513de8b5d990cb
encoding: FLOAT32
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{"chroma:document": "I purchased a mountain bike in August of 2018 with the Trek credit card through Comenity Bank. My payment due date is the 10th of every month. I set up my payment through my bank's online bill pay. I set up my most recent payment to be sent on Feb 28th and received by March 7th. When I got my statement yesterday they charged me a late fee and it shows that my payment wasn't received until March 13th. This has been happening every month since my first payment in October 2018. They did waive one late fee but that was it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 44eb9c11c4f946f5934549568357256f
encoding: FLOAT32
metadata:
{"chroma:document": "I signed up for the Ulta card at the register. Made only 1 purchase that day. I paid the full amount via bank - even allowed an extra week before due date. Guess what? It took them 2 weeks to process. I called them and said - \"You charged me a late fee but you took 2 weeks to process an electronic payment!\" Lawan said to kick rocks, he didn't care. I cancelled the card promptly. Comenity needs to be investigated for their flagrant fees that they purposely cause."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9a75430e77c94c4f91706e00824a0d3b
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{"chroma:document": "I opened an account and bought some merchandise online. I never got an account number. I set up electronic access (which still did not give me an account number) and was immediately locked out so I could not access it, either. I never received a paper bill. I got a phone call AFTER the account was past due for the payment date and a late fee was assessed to the account of $10 (mind you, I could still charge to the account through the online shopping site) and told them of my predicament. I paid more than the minimum payment and set up another payment well in excess of the minimum payment (4x, actually) and thought it good when I confirmed my email address, phone number, AND home address, and was assured that I would receive paper statements as well as confirmation when my payment went through. They did waive the late fee. Then, I waited. And waited. I never got a paper statement, nor did my payment go through. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c08f4b592fdd47049c8210bfc362cda9
encoding: FLOAT32
metadata:
{"chroma:document": "In a phone call totaling over a half hour, Credit Card Service & Customer Representative Veronica (Agent # **) was not helpful whatsoever. I called around Noon MT to dispute ANOTHER charge on my account (I was incorrectly and inconveniently charged twice for the same purchase several weeks prior and already went through that nightmare once)."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c74ef4b6a2cc4a60860145b0f780ef8e
encoding: FLOAT32
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{"chroma:document": "I opened a Zales credit card with Comenity just about a year ago and I opened a Victoria's Secret card, just over two years ago with them as well. I have NEVER been late, and I have NEVER paid less than the minimum, AND I have never had a payment return. A couple of months they decreased my already small limit on my Zales card from $550 to $200 right after I paid the balance down to $196. Well, this makes my card look maxed out even though I've never maxed the card out with them. I paid the balance off a month later and closed the account. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 06e5964d96294200a79798eb47d4d3bb
encoding: FLOAT32
metadata:
{"chroma:document": "Horrible experience! I had the worst experience with the supervisors at Loft/Comenity. I will start by saying that my credit score is 800, so I am very good at paying all my bills. I was late with my January 28th payment because my mom passed away on January 21st and I had to leave the country. Upon return I called the bank and asked them to waive the late fee in view of this unfortunate circumstance. I was told no because they already waived a late fee in November and can do that only once every 18 months. I asked to talk to a supervisor, his name was Marc, told me same thing. Asked to talk to somebody above him. He said nobody was available!!! I said I will wait on the phone until somebody will be."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e66d9d17f8e54e34b4eab4570ee09971
encoding: FLOAT32
metadata:
{"chroma:document": "NEVER open a credit card with this company. They are unethical and use underhanded tactics so that they can charge you a late fee and finance charge which they refuse to remove even when you pay your entire balance. The people who work there are rude and unprofessional. Too bad both Victoria Secret/Pink and Ann Taylor/Loft both use this company. I have now closed both my store cards with them and no longer shop there."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 97d241bde82847689fa95b19369c9b25
encoding: FLOAT32
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{"chroma:document": "Purchased a credit card from Comenity Bank that was offered through \u201cThe Children\u2019s Place\u201d store in the Duluth Miller Mall in Minnesota for 30% off or so on first purchase. Never was billed until I received a bill five months later for four months of service charges. This cannot be legal. A $22.00 dollar charge turned into a $110.00 bill. I have the highest credit rating and owe not a red cent to anyone or any bank. How do you fight this? Buyer beware and ask first who offers the card and make sure you record all calls and email notifications which I never received. Stay away from Comenity Bank. We need to sue as a class action suit for fraudulent billing."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 61a2e39afece4b8f93faeee4d4284709
encoding: FLOAT32
metadata:
{"chroma:document": "My card was set up to for an automatic payment. They never took the payment. They will not refund $52.00 in late fees. I got a NY & Co credit card and buy a few hundred dollars worth of clothes and pay the card off. They did not take the payment in December. I paid the balance with the exception of the late fees in hopes that I would get my money back; they refuse to give me my money back. The customer services reps are very condescending. Jeff #** & Michelle #**, I believe are made up numbers because \"Michelle\" hesitated when giving me her ID. Ran me around in CIRCLES just basically making me look like a FOOL! I would never get a card from them and just because NY & Company uses them, I will not go back there!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b41b2cf5c3684dcbb8b8919650ceb36d
encoding: FLOAT32
metadata:
{"chroma:document": "I have several cards through this bank, I was recently late on two cards hindsight and they refused to take the late fee off. I have never been late, always paid more than the minimum payment. They decided to reduced my credit limit, without a written letter. I was only notified once a purchased was declined. When I called to speak to a representative very rude and unprofessional. Another reason why I paid off all my cards through this bank and will continue to use my major credit card."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 4471213f00fe4cda926879a018097993
encoding: FLOAT32
metadata:
{"chroma:document": "I applied for a credit card and was denied stating the applicant is deceased, which I am oblivious not. When I researched with the Credit Bureau, they did not have a deceased indicator. My credit score is 830, so this company is questionable at best."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e14fbd6af2ff4db69b092021a6c950d2
encoding: FLOAT32
metadata:
{"chroma:document": "This is a bad credit card company. They have exorbitant late fees and won\u2019t waive them even if it is their fault. Customer service is very rude. Their online payment system is not very well maintained. I had a Comenity account closed and the online account is still open after 6 years. Not a secure company!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 1b8ada84c1b04b0e87dec40505cdd362
encoding: FLOAT32
metadata:
{"chroma:document": "Was on hold for more than 45 minutes to speak with a customer service agent. Even government services of shorter hold times. I applied for an account and didn't receive a confirmation because the website timed out. I wanted to know if my account was active or not."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 11486a3ca5964ca28c20ce94db4ed95b
encoding: FLOAT32
metadata:
{"chroma:document": "My husband and I stupidly financed my engagement ring through Zales/Comenity for a balance of $300. We have been prompt with our payment every single month, only being late once because we didn\u2019t have an auto payment set up. Since then I have paid at least the minimum balance, but have noticed on my bank statement a mysterious $27 charge under their name that appears a couple of days after my payment is confirmed to have processed. It looks like a late fee, but doesn\u2019t reflect on my Zales account statement, and it appears as though my bank rejects it every time thankfully."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c1915987201d4bb5a0e0fc1bb39f4703
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{"chroma:document": "Where do I begin with this company? I financed my wife's wedding ring from Jared jeweler and Comenity Bank handles their financing. I sent them three individual money orders that were dated. They were for a period from September-December of 2018. Somehow they still charged me a late fee saying that I have to pay a bill every month. Really? I sent you the money BEFORE it was even due. They claim that since the payments came all in one month that it still left me on the hook for a minimum payment the following month. YOU HAVE GOT TO BE KIDDING!! Needless to say they never explained this \"policy\" beforehand. Comenity Bank is now the reason that I will think twice about doing business with Jared. Nothing is more unethical than forcing people to have to pay late fees."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 19eed9c4c8e9420aace0c25fa51cff63
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{"chroma:document": "My Eddie Bauer bill was due on February 12. I sent my check for $160 on February 5. Now I have another bill that shows they haven\u2019t processed my check and they\u2019ve added a late fee and a finance charge. They also say that they can accept another check but they can\u2019t credit back my finance charge and late fee. The fact that Eddie Bauer has chosen Comenity to manage their billing is now a disappointment and I will only use my Visa to make purchases there. My husband warned me not to open this card but it was a $50 savings. I am done opening credit cards for \u201csavings.\u201d"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 80fd8369d5fb433c996d518163988f86
encoding: FLOAT32
metadata:
{"chroma:document": "Customer service agents have been calling my work number every hour and leaving harassing and threatening messages. I am well aware my account is one payment behind, which I am bringing current this week. I have never given permission to be reached at my work number. I have made several requests for them to not call my work number again but these have fallen on deaf ears."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f711540b3f26478d875c010dc5faaece
encoding: FLOAT32
metadata:
{"chroma:document": "I purchased a couch through West Elm and financed it through Comenity credit card. They do not give you a automatic payment option, they do not let you schedule more than 2 payment in advance. Basically it is a system that forces you to end up being late and paying the FINANCE CHARGES. I just forgot to pay in time because normally I do everything in auto pay. Now I have 360$ of FINANCE CHARGES that I have already paid on top of the cost of the couch. Basically free money I am giving to Comenity. THIS IS FRAUD. THEY SHOULD PROVIDE CUSTOMERS WITH ALL TOOLS TO PAY IN TIME."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d6d68aa537c048c887000fa4d7eec0f9
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{"chroma:document": "My husband passed away suddenly in October 2018, and I did not know which of our mutual credit cards I could still use--that is, I did not know on which cards I was listed as only an \"authorized user.\" As a result, I panicked. This was certainly not the happiest time in my life, and I was (and still am)grieving. I applied for numerous credit cards in my name alone, with the \"Bed Bath and Beyond\" card one of them. I paid all three small bills in full and on time--none were over $50. I found out that they permanently cancelled my card because of all the \"inquiries\" made by other credit card issuers, that resulted from my attempts to open credit cards in my name alone."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 875ba98095b7489a8e9963746a4703ea
encoding: FLOAT32
metadata:
{"chroma:document": "I have been a customer for many years- No late payments, never over my credit limit. Recently I received alerts for my Experian credit report saying that ** account credit limit decreased (for about 6 accounts). Then I received a few letters in the mail that my Boscovs, Catherine's, Jessica London accounts have all been closed due to inactivity. This bank is ruining my credit. They have lowered my credit limits by thousands of dollars on the accounts that I use- making it look like my utilization has gone up, when it hasn't. The letters (that take forever to come) say that my credit score has changed. I monitor my credit closely and there have been no major changes (Experian, Transunion, or with Equifax) and when I sent their customer service proof that my credit score had no drastic changes, they invited me to reapply for the cards. I won't ever do business with them again."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e8f16ec78c0d4177983e50da864821a9
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metadata:
{"chroma:document": "A company called Alliance Data has been calling me about a so-called \"urgent matter\" related to my Comenity Bank account since November 2018. I haven't used this card in at least 5 years. In fact, the card is still under my maiden name, because that's how long it's been since I've used it. I never updated it because I completely forgot I had this card. Fast forward to now. I get at least 3 calls a week from Alliance Data, claiming that I owe a debt for this card. I've asked them repeatedly to verify this debt in writing, but they haven't sent me anything. I know I don't owe this debt. Which is why they can't provide written verification for it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b6e7ff372eaf4dd5b306367432025247
encoding: FLOAT32
metadata:
{"chroma:document": "I never received some of my statements with them in the mail or online. They constantly call harassing messages and the customer service is horrible. If you are one day late they are calling threatening you and won't give you a explanation to why you never received a statement. I wish I would of stayed clear from this company."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 08aed051edf54b0b9cfefb869862047d
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{"chroma:document": "After receiving my first statement I decided to set up an online account to pay my bills to avoid late charges and interest. My son helped me and decided to pay the bill in full two weeks before due date. He paid using his bank routing number and account number which has sufficient funds during the month we paid. The next thing I got was letter suspending my credit card for returned payment. After we made a payment at store in full, I called the customer service and spoke to the manager who explained that the extra fees are not reversible and the account will stay in suspension for three months. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e1a9e6984b814f5a99c59c26ce49e5ff
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{"chroma:document": "I have had this card for 5 years. If I have a balance it\u2019s small. I\u2019ve never missed a payment or paid one late. I paid the card off two months ago and today I get a notice from a Credit Karma that my account had been closed. They didnt notify me at all. No phone call, no email or letter. They won\u2019t give me any information over the phone or even try to reverse it. I was affected by Hurricane Florence and yes my credit rating has gone down due to lack of payment from the insurance company but according to Comenity they were here for people affected by the hurricanes. This is total **. All they did was hurt my credit even more by closing my account for no reason."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9f8ddb0fd2604335aea6b757b44c9045
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{"chroma:document": "I got a Comenity Bank Credit Card because I am a member of BJ's. It is one of the worst banks for Credit Cards. They charged me 85 dollars just because the payment (I make payments in full) came into the system one day late. I called them and literally fought with the customer service to waive the charges. But they wouldn't. This is the craziest bank that you can ever deal with. Now I am stuck with this credit card as it is the only credit card that the BJ's accepts."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3cd41940d6b049569ba5f44d9751c458
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{"chroma:document": "I have had an Ulta Beauty Ultamate Rewards card for over a year and always pay off my balance so I\u2019ve never paid late fees or interest. So I decided to get a Love Loft card around Xmas and got approved with a 16,0000 credit limit. I spent around 100 and paid off the balance. Today I opened my no balance statement and my credit limit has been reduced to 8,000 for no reason?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 88361062dbe14d4bb6c06258c7fd1b59
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{"chroma:document": "Comenity definitely is the worst bank I have ever dealt with. I financed dental work with My Smile Care/Comentiy bank and the calls from them started the day after treatment telling me my payment was late two weeks before the first payment due date. They offer very little help when trying to set up online payments through the website but constantly hound you about making payments. Example, Today is 2/7/2019, my due date is 2/27/2019 but I am already receiving multiple (4 within 5 minutes) robocalls for collections on my current account. Stay away from this bank at all cost!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b8902f47f4a6457084d8ee7f86878d23
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{"chroma:document": "I've had Comenity. I only planned to use it once, it was for an item I needed, really needed and couldn't afford to buy it all at once. I had numerous problems with them setting up the account that caused me to be late for some payments, the lack of a start date also meant the settlement date was iffy too. They overcharge me quite a lot even though I made sure to pay on time and even overpay a little."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: b1072531c92c4b69af758dbd3ad9ea06
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{"chroma:document": "I just want to say, that I have better cards with better benefits and flexibility with payment hours, etc., but the cherry on the top was a rep- Arturo, very rude, didn't listed what I wanted to do. I have 2 accounts and I wanted to pay off and close 1 account and make a payment on the other one, but he was shouting: \"You must make a payment! Ma'am you must make a payment!\" Seriously... Rude imbecile."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2a42a98d25a342b4ad203a3f16763d46
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{"chroma:document": "Opened a West Elm credit card and waited a few months to use it for the first time. Went to use the card only to have the purchase declined. Called to see what the problem was, and they said they closed my account because my credit score had declined since the card was opened. I have other credit cards that are with Comenity and I\u2019ve always paid more than the minimum due and on time. Don\u2019t appreciate the fact that they close customer accounts without notifying the customer. I\u2019ll be paying off my cards and using other credit cards for future purchases. Comenity treats their customers like garbage."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d123af0769b748bfb8e309db3857102a
encoding: FLOAT32
metadata:
{"chroma:document": "If I could give this company a -0, I would. Horrible business practices making it difficult to set up automatic payments. I have paid off this account and closed it three times and still get bills saying there are issues with the billing cycle and the fees generate additional charges. This is a complete nightmare. I work really hard to maintain a good credit rating, and this company is unscrupulous. They take advantage of consumers. Run away and don't get a credit card from this company. I am going to the Better Business Bureau and State Attorney General's office."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2470de0de7c94f9cbf1c1f4137c2aaf0
encoding: FLOAT32
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{"chroma:document": "This credit card company tells me that my payment is late and then charges me a late payment fee EVEN WHEN THE PAYMENT IS ON TIME OR EARLIER. I have never made a late payment to any company, yet this one company tells me I am always late. I check my bank. The payment cleared ONE WEEK before the due date, and my Comenity statement says the payment was one week late. DON\u2019T USE THIS CARD."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e4f7e420d900460fbd2995592b3ec89d
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{"chroma:document": "I opened up a Children's Place credit card with this bank. I always paid on time. I even scheduled my payments before they were due or even told me my minimum payment due. I missed a month by $5 (I went by what I paid the month before as it should of been the same). Next thing I know I'm hit with late fees over $5. You would think since I paid before the due date they would send some sort of notification that I have a payment due. I called to see if they could possibly help with the late fee since I had my payment set up before I even knew what my minimum payment was supposed to be and explained what happened and they had no care in the world. STAY AWAY FROM ANY CREDIT CARD THAT HAS TO DO WITH THIS BANK!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 84c2ee63e1fe453f8b55d9be479373d6
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{"chroma:document": "Approximately two weeks ago, I applied for and was approved for a Bed Bath Beyond Mastercard for $1,000 limit. Received the cards a few days ago and, this past Saturday, attempted to use for a purchase. The card was declined - my husband tried his...same thing! I called and was told something appeared on my credit report and so they closed it, and it can\u2019t be reopened. Most of my other cards are with Comenity and there have been no issues - no late payments - NOTHING! I am pissed!!! They obviously ran my credit report to approve me!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02b78289a8ac438e81d80ae8d4340607
encoding: FLOAT32
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{"chroma:document": "The bill was due on 1/13/2019. I initiated online bill payment through Chase Bank which was sent on 1/7/2019 (proof of payment given by Chase Bank). Comenity Bank said they did not receive payment until 1/16/2019 thus they charged me late fee $27 plus finance charges $1.57 for a balance that was only $36.75. They refused to remove these fees even after I showed proof of payment from Chase Bank that my money in my bank account was taken out by 1/7/2019. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 14056229f181418aab007dda44cb707d
encoding: FLOAT32
metadata:
{"chroma:document": "I had my card for a year before using it (put $150 on the card). I had lost the actual card and called in during December 2018 to get a new one. I was told a new one would be sent out but I didn't receive it. I missed the December payment (the first and ONLY miss). I made a $37 payment January 4 to bring my payment current. Good to go right? Wrong."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d5c22c5521e9481bbaed238842235f11
encoding: FLOAT32
metadata:
{"chroma:document": "This company is in fact a scam. Customer service is horrible. It\u2019s all about the money with them. Come on now. It\u2019s 2019 and they don\u2019t have a autopay in place for the Victoria Secret or Wayfair card holders by now. Seems they are not making it easy to pay (want you to be late) and get most of their profit form late fees. It\u2019s always a issue but my most recent last straw was them charging $37 for late fees that was inappropriately charged. Had experienced problems with the site not accepting my payments for 8 months. No one was able to explain why all of a sudden my stored checking info was not working for payments. I would have to walk in my payments or call or mail in. For me it\u2019s a huge inconvenience because I\u2019m busy. It would be similar to set up auto pay or log on to pay but neither was available & if I call in I would have to spend hours on phone explaining each month. Bottom line - this company needs to fold!!! I\u2019m done with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ae10e53ff1a443f1bcb5ca36314fca47
encoding: FLOAT32
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{"chroma:document": "I was tricked into getting their credit card saying there was no interest. \"It really wasn't a credit card. More like a membership card. It won't go on my credit.\" Also that I would get discounts (not just points for discounts with everything I buy with the card). I got a discount for my first transaction. That was it. I paid it off there and then. I made another $70 transaction a few months later. That was in 2016. I have paid them hundreds of dollars. I set up the auto pay (they charge 10.00 to pay over the phone) and they take out the money a week after and charge me 32.00 late fees and 3.00 interest after it shows on their site it was paid the day I asked them to take it out. Then they reverse the charge and charge me a 25.00 fee for that. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3c1f5f94fcf34a8a8d4c7e5a331cccd6
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metadata:
{"chroma:document": "Charged me late fees inappropriately. Failed to send me a welcome letter to my address. Had no way to pay balance. Got a robocall which I then got access to my account number for the first time to pay my balance. They never corrected the late fees or interest on the late fees. Kept charging interest. The account reached $676 from $40. They also sent to collections. When trying to resolve the collections they claimed they don't have my account details. They claimed late multiple times on my credit report even though I had NO balance with them. STAY AWAY. THEY ARE SCAM ARTISTS AND OPERATE TO THEIR BENEFIT ONLY. I had over 30 calls with them throughout the life of the account with calls lasting over 30 mins to 2 hours at times. They always said a supervisor would get back to me or they would correct the account. Never happened. They claim they don't have the ability to that. A computer does it for them... Shaking my head."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef38cfb64d7e42b7a8e3ccf09091ec53
encoding: FLOAT32
metadata:
{"chroma:document": "I've been with this bank 3 years. Paid payments every time on time. Before I went on Deployment I schedule payments to be submitted. Before I left told me they don\u2019t do autopay? Sounds like they are trying to screw you right? I finally get signal 3 months later and check my account and I have 3 late payments. I call them. Told them we talked and they said they would fix. I paid the remainder off afraid that they would do the same. Guess what 2 months later I arrive back in the states check my credit. Bam 2 more missed payment. I asked what did I owe. I paid it off. Everything was a mistake to begin with. They told me that after I paid the 759 off that two days later a late fee posted for that and now I owed 120. Lol on a zero balanced account. Please turn away. Do not I repeat do not trust the bank. ZERO STARS!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 931dd94b97be48dfb3301f418b8226c0
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{"chroma:document": "I made 2 purchases at Overstock in November. Both were purchased with deferred interest if paid off in 12 months. Got my first statement from Comenity, and nowhere does it show that I have that plan. Called them. No record of a deferred plan! I told them I absolutely made the purchases with that plan. They told me my account will be in dispute, and I\u2019ll get a letter in 2 weeks. Overstock cannot confirm it either. So, I guess it\u2019s my word against theirs. After reading some of these reviews, I\u2019m not hopeful. I guess they want their interest. I would never have made these purchases otherwise. I don\u2019t have 800.00 to pay it off. I am so upset!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cae63680c4234ac281f0474c03e2d5dd
encoding: FLOAT32
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{"chroma:document": "I wish I can give a -5-star rating! Why can some company ruin our hard earned credit score just with a blink of an eye? I have a J.Crew store credit card which I rarely use and when I opened it I asked for a low credit limit around $800. My credit score is in the 800. Before Christmas 2018 (Dec. 21), I shopped at a J.Crew store to buy plaid shirts I need to wear for family holiday party, and I used the store credit card (by Comenity Bank). While paying at the register, I asked store employee to tell me my balance so I can pay right there at the store. Worker told me I can pay but can\u2019t tell me my balance. On Jan. 3, while doing online banking, I saw that my credit score dropped by 50 points... yes 5-0 POINTS!!! And I look at alerts and it showed it is because of a late payment with Comenity Bank. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e2b03773f25147228bf5c76ba9c266de
encoding: FLOAT32
metadata:
{"chroma:document": "I am Disappointed with COMENITY TOTAL REWARDS Visa fraud department... I have a $26,000 credit limit. I spend over $30,000 a year on this card for Business and personal use. My wife call COMENITY to check on Supermarket PURCHASE she made and Comenity fraud/customer service department block all my cards without notice or any form of COMMUNICATION... (My wife is a AUTHORIZE USER). I am the primary cardholder, I FEEL like they should've call me to let know they're blocking or to verify information. Instead I went to USE the card at the restaurant AND THE CARD was denied, That was very EMBARRASSING FOR ME, WHAT IF WHAT WAS THE ONLY CARD I HAD ON ME. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d64c7b5e436b4e0e973f24f3bc8e387d
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{"chroma:document": "Like many reviewer here, I too am incredibly disappointed that Comenity would close my accounts due to inactivity. One card was Pottery Barn. I had just furnished my house a little over a year ago and had planned to buy a new sofa for Christmas. This is how I learned my account was closed. Then I checked my credit report and score which had tumbled due to the closing of 3 accounts. I called to try to reason with them but no luck; so I wrote an email through Pottery Barn even stating I was prepared to make a purchase. I received a response from Comenity saying they did send notice...to the credit bureau after it was closed. SMH. Sending it to me would have been useful. At least I would not have been embarrassed trying to use the card. I learned later that banks can do this without notice so lesson learned. They weren't great cards anyway but I liked the stores and the rewards. I think Comenity could and should treat their customers better."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9c102862cc0445cd9dcf97cc7bb95dc8
encoding: FLOAT32
metadata:
{"chroma:document": "I had always paid my account off as soon as I got something out of this store called Goody\u2019s. I had a small $200 limit. I got like $50 worth of stuff and tried paying my account right off but my phone number was changed by somebody in a call center doing a skip trace so my account had the wrong info so they could not look my account up. I travelled and moved and had other people trying to pay my bill but my info was wrong still and they could not pay it. After 7 mos of this foolishness I came back to settle this bill and a really slow stuttering dude took him over an hr. for him to find my account because some employee put bad information in their notes and my file. This nice stuttering fellow informed me that my bill was now $328 to settle my acct due to no payments and they have policy where they can charge up to 100% interest on the bill."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 083efee1562d42c091b1f8dafa0f7730
encoding: FLOAT32
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{"chroma:document": "Very disappointed with gimmick by West Elm and Comenity Bank. I was told when I signed for West Elm credit card I would receive $25 for every $250 I spent. I had over $2500 in purchases and waited for my rewards. It has now been over 8 weeks and I have yet to receive anything from West Elm or Comenity Bank. When I made inquiry to Comenity, this is the response I received. \"I apologize for the inconvenience and concern this has caused. Lost/stolen rewards and rewards 'not received' cannot be replaced.\" Use other credit cards that provide genuine rewards, not these renegade ones that are nothing but gimmicks."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c12a57a89a2d4d06af04d952068da45f
encoding: FLOAT32
metadata:
{"chroma:document": "The worst customer service ever. Never received bank statement on time. Payment on due date or later, because of that, and late fee $38. It's ridiculous. What about bank grace period? Stay away from this piece of garbage."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c5efa483e98f4b51bcd4f44357ac8fbe
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metadata:
{"chroma:document": "I have been working on a dispute with the financial company that manages various retail credit cards. The statement 8/25/16 reflected the purchase made on (7/16/16) and returned credit (8/1/16). When receiving 9/25/16 statement the 7/16/16 purchase reappeared with the same differed reference number and purchase date. I submitted the supporting documentation to Comenity dispute center which denied my claim. They didn't give a reason. Only it was not a valid claim. I resubmitted the dispute. When receiving 2nd denial I contacted the customer care/credit department. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: befd9ffd920a460eac5e848a17073bbc
encoding: FLOAT32
metadata:
{"chroma:document": "The complaints in here bewilder me. Of course you will incur late fees if you pay your bill late; of course you will incur interest charges if you carry a balance. After a bad relationship failed and took my credit with it, I stayed off the grid for 8 years. When I was ready to get back into the game, Comenity was one of the only banks willing to take a chance on me -- a middle-aged woman with no credit history. I've paid my bills on time well before the due date and I've paid more than the minimum due. I've never gotten a phone call from them and their websites are remarkably easy to use. The people complaining here are either bad at paying their bills on time or bad at understanding how online billing works -- I've had no problems whatsoever and I've received generous credit line increases already. Comenity is a great bank for rebuilding credit provided you actually plan to pay them back on time."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: daa8590401de4eb78fbfa0c387721e60
encoding: FLOAT32
metadata:
{"chroma:document": "First, they kept increasing my credit line - when I never authorized or request any such increase. Then they would constantly email me with \"offers\" to use my cards. I had several of the credit cards under them and had zero balances on all of them. Next thing I know, I start getting letters saying they closed my accounts for \"inactivity\" and because of my credit score. Now mind you, each time they increased my credit limit, it dinged my score because of \"available credit\" to equity ratios. I'm not going to hold it against the stores themselves, but I will never... EVER... sign up for another Comenity card. These people are the worst! Whatever other cards you carry - dump these!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 346cf63b72ae44da8549fb038bfafa92
encoding: FLOAT32
metadata:
{"chroma:document": "I need to start by saying, I do not EVER make late payments. I'm two months ahead on all my bills. So imagine my surprise when I received a call saying I was severely delinquent on my account. I told them this was impossible and they said I had paid a day late so they charged a $24 fee. Then three months after I paid on time I received THIS FIRST ATTEMPT AT CONTACT, I was told that the late fees on the late fees were upwards of $270. WHAT?! I not only had paid on time but I even asked the girl if I was all caught up to date and she said, \"Yes, you paid on time so there won't be any late fees.\" "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 50d9e38bd3c44ca685d21d80bb9e372c
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{"chroma:document": "I did cool sculpting in 2016, and my overall bill came to $10,000. Since the time the bill was generated, I have been paying thrice the minimum payment amount every month, and I paid almost every payment without missing any monthly deadline. Late 2018, I was busy with my work and didn't realize that the promotional due expires on 12/5/18. There was no intimation regarding the expiration. I read my email, & noticed that my remaining balance was $2700. I was really shocked. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a32999f25b3f4a7fbf05fdefacac0800
encoding: FLOAT32
metadata:
{"chroma:document": "I opened a credit card through this bank at Wayfair.com and BJ's. I just received letter stating that Comenity closed both credit cards. In the letter it shows that my credit score is 829. Reasons for closing accounts. #1 - NO real estate accounts with valid credit amount. WELL THERE WOULDN'T BE AS I PAID CASH FOR MY HOUSE. #2 - Too many open bankcard accounts - HOW MANY HAVE OUTSTANDING BALANCES I ASK - NONE. #3 - Available credit on open revolving accounts is too low. READ #4. #4 - Sum of balance on bankcard accounts is too high. Huh - these accounts are paid in full each month - so how can they be too high - and for #4 have they looked at the amounts???"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7bb29af1d1ed42cf88f395efd8fcff01
encoding: FLOAT32
metadata:
{"chroma:document": "I called to make payment on call center and was informed that I would be charged a fee amount of $9.00 which is a bit high for a service charge. What happen to the customer comes first, and to be grateful for my business."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2eb2d1b0c63245d78decf0671f0d8c23
encoding: FLOAT32
metadata:
{"chroma:document": "Been fighting with them almost one year. Made an online payment of $3000 and they can't find it. I have supplied bank documents sent numerous letters and all I get are letters stating to contact my financial institution. Horrible service. Don't use them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 2304a7101700431c97d2eea30ee121ea
encoding: FLOAT32
metadata:
{"chroma:document": "Don't bother. They play with limits constantly decreasing even if you pay on time. I didn't use one of their cards for only 4 months and they closed it without even informing me. Not worth the inquiry on your report."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: e0ca6dcb89d9470f93d56cbda53115fa
encoding: FLOAT32
metadata:
{"chroma:document": "This has been the worst credit card I have ever had. I got behind on payments due to a job loss and tried to make arrangements. I paid what I could and their debt collection department would call me 6-8 times a day. Sometimes more. I have since then closed my account with these people as the fees and balances kept getting higher. These people have the worst customer service for a credit card company and I will never ever get another store credit card through Comenity bank in my whole entire life."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: a50576e375c0407d8067c9973423703a
encoding: FLOAT32
metadata:
{"chroma:document": "DO NOT USE COMENITY BANK FOR ANYTHING!! WRITE A CHECK, PAY CASH, BUT AVOID THEIR CREDIT CARD. The billing cycle is as difficult to understand as their customer service staff located \"Offshore\". They are reading off a script as English is their second language, they use fake American names and one even tried to get me to pay my bill a second time. I paid the bill in full to have to not deal with them. I suggest everyone do the same and keep every statement for verification of facts. One rep had the audacity to ask what my second cell phone was for?? I dont have a landline, it was none of their business. I am writing because I was in customer service for 30 years and would never talk to people in this manner. It is too bad the merchants I like use this bank. I plan on letting the merchants know what a bad experience I have had and it will affect my shopping habits."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c46206d614f0408f9ec4ec2d72be83e2
encoding: FLOAT32
metadata:
{"chroma:document": "I signed a finance agreement with Ideal Image for $3500. My payments were supposed to be interest free. Ideal Image set up a payment schedule of $150 per month but Comenity Bank bank billed me $75 per month. I sent in monthly payments to Comenity Bank ranging from $100-150 every month, thinking I was getting ahead because I was unaware of the deferred interest penalty if not paid in full within 24 months. I never missed a single payment, nor was I ever late. On the 25th month I was slapped with a deferred interest charge of almost $1200! When I called the customer service helpline no one could help me. I was told to send Comenity Bank a written request by mail. After sending a written correspondence Comenity Bank would only waive $390 of the deferred interest, even though I paid the remaining balance in full merely 8 days after the 24th month. I will never do business with this bank ever again. Lesson learned."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3bf1d7d07fb642669f984f72a8d8a75f
encoding: FLOAT32
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{"chroma:document": "Comenity Bank is the worst bank ever. Beware!! I had a Pottery Barn card. Been making payments. I got behind one payment. Decided to go on a payment plan then pay a large sum in a few months then get rid of the card. They called an associate of mine's sister whom I don't know and have never met and told her, I have her listed as a reference. Which was a lie. Which could have resulted in me being bought up on fraud charges. I am now taking legal actions against them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: afa0d83da10747ed9c007f0d0695b309
encoding: FLOAT32
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{"chroma:document": "DON'T EVER OPEN A CARD WITH COMENITY EVER!!! I opened a card while in BJS last month and was planning on making this my major card to use for all purchases. I thought my payment due date was the sixth of the month, and paid my bill on that date. I was wrong and it was due on the fourth. My full statement charge was $71.01 which is what I had paid. They charged me $27 late fee and $90.63 for a finance fee. I called Customer Service in Kansas City and spoke to Adrianna (Account Supervisor) and Brady (Sr. Account Manager) and requested them to waive the finance fee and late charges, but they refused!!! I told them that I am never late with my bills and that this was the first month of the card. They still refused. These fees were $117.63 which is almost $50 more than what was due. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 092083297c6a4b4d93a256a044856aa7
encoding: FLOAT32
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{"chroma:document": "I sent in a payment to pay my Kay Jewelers balance. The payment was applied to my husband's account in error. As soon as I received both statements showing the balance remaining on my account plus late charges, and my husband statement showing a credit balance in the amount of the payment submitted for my account I called Kay\u2019s. I was advised they would file a payment dispute to Comenity Bank for corrections and all fees would be waived. I received a letter from Comenity requesting proof of error. I sent a detailed explanation along with copies of both statements. The following month I received a collection phone call for past due amount on my account. I called Comenity Bank and spoke to 3 different individuals customer service representatives, Supervisor and Sr Supervisors. I had to pay my balance again and credit would be refunded from my husband's account, not ideal but acceptable. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cabc92adc40647e5b401f76441b2c3ca
encoding: FLOAT32
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{"chroma:document": "I had a Lane Bryant Credit Card, in good standing, with a 600.00 credit level; used the card once or twice and decided that I didn't shop at Lane Bryant enough to warrant a credit card. Then, a second card appeared, through Lane Bryant, that I don't know anything about and have not used this second card to purchase a thing from Lane Bryant. The second card has incurred late fees for a purchase that I did not make and upon asking for proof of the purchase and my signature - none has been provided. Now my credit score has taken a hit - numerous phone calls to my cell phone - monthly statements with the mounting late fees - calls to an ex-husband claiming that Comenity didn't have a way to reach me, when they are calling me on my mobile phone. Calls to my in-laws in another state trying to locate me - and then numerous emails telling me that my home address, which is not a PO Box, is not accurate, but yet I get a statement every month. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16ea784cafb249a8afe0d2433fb6b2a1
encoding: FLOAT32
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{"chroma:document": "The worst card ever!! 3 years with them and have been nothing but loyal. Lowered my CL by 700.00 during the holidays, now it lowered my credit score. Never received notice or ever missed a payment. HORRIBLE! Used to be my favorite card but I\u2019m done with them. Please don\u2019t let them do it to you, not worth it."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7897091aa5d140b38555cf80c7619eee
encoding: FLOAT32
metadata:
{"chroma:document": "I made the mistake of signing up for a J.Crew Store card when they were running a promotion, thinking I would get some added savings and benefits. Such a huge mistake. Wish I could go back in time and undo. This company is predatory and abusive, taking any and every opportunity to damage your credit. The first month I had the card I had a hard time figuring out how to make a payment... Setting up and accessing my new account online was a headache and my first payment was late as a result. Not even 30 days. Guess what. They dinged my credit score. A score I had been working very hard to improve. I then realized that there was NO WAY to set up autopay on the account, which made it difficult to pay bills. I'd need to log in online and manually pay every month... a hassle I haven't had to deal with for nearly a decade. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 16011e6201a44bc29669835f48b5688d
encoding: FLOAT32
metadata:
{"chroma:document": "I have paid this bank on time every time since I have had an account with them for about 3 years now. This month they have greatly destroyed my credit by lowering my credit line to the amount of my balance. I owe on one account $2,370 and they lowered my balance to $2,400 which makes me look like I have almost maxed out my card. To top it off they have done the same with the other cards too. On one I owe $96 and they lowered the credit line to $100."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: efac3958fc1841b281e5481a0939ccd9
encoding: FLOAT32
metadata:
{"chroma:document": "I am currently fighting with this bank (unsuccessfully) to have them remove excessive late fees. I made ONE purchase, paid in cash at the store a few weeks later which was one day past the due date and I am now accessed 60$ in late fees on a paid off $38.00 charge. I am adding this review so that whoever has a problem with this bank will know to SUBMIT a complaint to Consumer Financial Protection Bureau. Hopefully if enough people do this, more customers won't get screwed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 96e0c6f3992a4fd8b9d8f6a0fc08b5f2
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{"chroma:document": "I have a few store cards through Comenity Bank, and just astonished how they can cripple a person's credit score, just because! I have NO LATE PAYMENTS, pay much more than what's actually due every month, and just found out that my credit limits have been lowered, which in turn, has ruined my credit. How can they get away with this? I had no clue the card's limits were lowered until I just checked balances to begin shopping for Christmas. I thought I had a few hundred on one card, several hundred on another (all in good standing with NO LATE PAYMENTS) and was shocked to see that they had lowered my available credit. I don't understand how they can just crucify someone's credit rating/scores without just cause?"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: ef5dff8130094027b1de4cf2ec5415dc
encoding: FLOAT32
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{"chroma:document": "Comenity Bank does not process the payments they receive in a timely manner. I scheduled a payment on the 12th and they didn't attempt to take the money until the 24th. By the time they tried to take it, it was already spent because I thought they took it already. Then after that they ruined my credit report by stating that I didn't pay on time and then began calling my phone ten times per day using different phone numbers. I WILL NEVER GET A CREDIT CARD WHEREAS THEY ARE THE FINANCING BANK EVER AGAIN AND NEITHER SHOULD YOU."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d15cfd4e6b4b44c3b12c1b0d97668cca
encoding: FLOAT32
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{"chroma:document": "I have a Venus credit card. I had a payment due in the beginning of October. I made a late payment mailed out on Oct 28. I made the payment for more than what was owing. I kept getting phone calls from Comenity coming up as fraud or spam. The problem is, the call with auto answer on my phone. In other words, they not only called, but also had the ability to answer my phone without my consent. It was freaky! I checked my bank account and nonpayment was processed. However, I kept getting the automatic calls that also answered my phone, with the ability to listen in on my in home conversations... Their calls were also able to hang up my calls if I was on the line. So I'm talking to my cousin in the phone, I get that phone number calling me, I don't answer it and continue to talk to my cousin and it hangs up my conversation automatically. Super freaky and WRONG!!! DO NOT TRUST COMENITY BANK. THEY ARE FRAUDULENT AND SCARY!!!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 7c08e0cd64924e0a86ba8d8218331f91
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{"chroma:document": "I had a Hot Topic card through Comenity Bank. I used it a couple times throughout the year and normally paid it off in a few months just to keep the account open. I had used it, then went through a divorce, and because of that I was out of work and not able to make a payment. That's fine. I'll take the late fee for that. I got a job, but my card was due on the 4th and I don't get paid till after the 9th. I called them and waited on the phone for what felt like forever, then spent even more time with THREE, very rude, different people who all said 'we can't do anything until you make a payment.' I'm sorry - I have $10 in my account and I don't get paid until the 9th. Long story short - They didn't even try to help. I am dissatisfied with their \"changes\" and will be canceling any and all cards I have through them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3ce283a5d5bf4e508412568e83457bf3
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{"chroma:document": "I bought furniture from El Dorado. They sent me inferior damaged goods. The next thing I know I am being threatened by a Comenity bank. Comenity refused to consider my dispute and correspondence. I sent all documentation that I had. They charged my El Dorado Blucard 51.77 (after I had the money returned to my account by my bank due to a dispute), without authorization or signature, or permission. Senior account executive refuses to contact the store itself. Comenity is adding finance charges on top of the illegal charge. I do not owe Comenity any money. In fact, El Dorado owes me 114.22. This has been verified by El Dorado. El Dorado and Comenity say they are not the other company, so whatever dispute I have, I have to contact the other guy. El Dorado has closed my account, and cannot access the information. This cannot be accurate."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 03350d2c2ee7430da7bbb14880c8f668
encoding: FLOAT32
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{"chroma:document": "BEWARE! My experience with Comenity bank has been a disaster. Although I provided proof of payment they reported me as delinquent dropping my credit score 75 points!!! Then the send me a letter stating they've dropped my credit account to only $100!!! My credit score is the same as the day they approved me for a credit card. This is NO way to treat anybody."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 48b4813e63074f37bb268a706986de61
encoding: FLOAT32
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{"chroma:document": "I have been a Pier 1 customer with perfect pay for 20+ years. Comenity bank sent me a letter that they were closing my account because I use PO BOX for mailing and they couldn't verify my physical address. They advised me that they use an auto dialer to call and check and of course I would never take those calls. I was advised I could have my account re-opened by sending all my personal information by mail and when I called after sending they advised me couldn't open my account and the only thing I could do is reopen a new account which would affect my credit score. Stay away from this company!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d735d1485e364cd6bcdbc64d0808112b
encoding: FLOAT32
metadata:
{"chroma:document": "Stay away from any cards by Comenity! I have about 7 cards with them, never late on a payment. I recently paid off a few and made some large payments on others. Today I got an e-mail from a credit monitoring website that my score had dropped due to a creditor closing an account. I checked, they closed my Pier 1 account with no notice! I've never been late on any of my payments, and in fact pay them early. I had 500.00 available credit, with 0 balance, and they closed it for no reason! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 0011c6ac109d4be2aff0df4a39c85e02
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{"chroma:document": "I had gotten a $4000 limit at Zales for a purchase. Was told to pay it off in a year no interest and they told me how much to pay for my final payment. I paid it and 2 weeks later they added $467 to my bill saying I owed $30 off my final payment and no one can adjust it or help. I have to pay it off. Stay away from this bank. They are out here to rob people."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 55d78b12bb634b9b9d85628151908ee6
encoding: FLOAT32
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{"chroma:document": "No clear answer and claims that they are in the 'Right' to do this. They might be but it is NOT ethical at all. 12/19 Promo Finance Charge 657.72, 1/12 Finance Charge 657.72, 1/12 Promo to Revolving 1,873.31, 2/9 Finance Charge 58.97. My original purchase was for 2,194.31. Current balance with consistent monthly payments 2,039.61. I owe only 100.00 less than the original charge 2 yrs later. Will NEVER use them again. Will be paying them off this year."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: cf199f78422540039b9ce80bcebe6232
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{"chroma:document": "I had a Victoria's Secret credit card since 2002. I had never made a late payment, and still have a balance of a few hundred dollars on the account. I get a letter that my account had been reviewed and was closed. I immediately call Comenity customer service for the VS credit card and was told that the bank has the right to review accounts and close them at any time. The reason was vaguely given that my billing goes to a PO BOX, which it had for the entire time I had the card, so this made no sense to me. I live in a rural community and post office boxes are very common so that we don't have to maintain a personal mailbox. I was told since the account was closed, they could not re-open it, and I would have to re-apply for a brand new account. I declined and simply said I would pay the balance I owe. I am so dissatisfied with them just closing the account with no advanced warning, especially after being a loyal customer."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f1d6de5943c54b619ea059ff03a534fa
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{"chroma:document": "I have been a J.Crew card member for over 10 years and have never experienced such terrible customer service in my life since J.Crew switched to Comenity a few years ago. There was apparently an attempted fraud on my account so Comenity sent me a letter which said they were suspending my account due to security concerns and that I needed to send in a few identification items (Driver's license, etc.) within THIRTY days or else they would close my account. I sent in the items but they didn't receive them which is hard to believe. But ok, even if that were true, they terminated my account WITHOUT sending me a letter, email, giving me a call, nothing, to let me know that my account was terminated. That is outrageous to me. Had I known they terminated it, I would have RESENT the information they needed."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f14fdf251b21428ab8b4f7a948982581
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{"chroma:document": "We purchased a trip to China in July of 2017 and purchased it on our Comenity Toyota Visa Card. We were notified in August of 2018 that the Company went out of business for out October 2018 Trip. Our friends put their trip cost on a Mastercard and received a credit in three weeks. We have been told that there is nothing they can do, to yes file a claim with Visa Insurance Carrier for a refund of travel cost up to $2000. Also were told that we would receive a refund of the foreign transaction fees only to receive an email 2 hours later to say that would not happen. Still waiting for refund and they keep asking for more documents that they already have or refer you to the insurance company. DO NOT DO BUSINESS with them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 05936cfe09744a358e089d7f31faca86
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{"chroma:document": "My husband brought several thousand dollars worth of jewelry from Kay Jewelers with insurance the banking and payments were transferred to Comenity Bank. We spent money on insurance through Kay Jewelers and it was canceled before the Comenity Bank was transferred. Which makes no sense since they are the same insurance company 3rd party that Comenity Bank uses. So after we find out this bank took over we tried to find out about our coverage given the run around then asked about new insurance no help. Finally account holder has heart attack and ended up with quadruple bypass surgery. Comenity Bank would not help defer payments nor help me with insurance options. I would rather return the jewelry. The sad thing is the insurance would have covered the balance but they don't have an answer of why we were not able to see this online until today and why it was not offered."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 909e3b84db574214a8645dbe2338fbc3
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{"chroma:document": "Disgusted by their total nonchalant attitude about customer service and trying to accommodate a customer in any fashion. I am so angry right now I am seeing red. I have been a long time Victoria\u2019s Secret customer and have a large available credit on my credit card. I have never been late on my payment. Never missed a payment on over the last 20 years of having their card. I\u2019m sure I\u2019ve paid quite a bit of money and interest. For some reason I couldn\u2019t get into my online account so I decided to call them directly and for some reason they had the wrong bank account listed. No problem, I called and talked to customer service Erik ID number **, explain the whole situation to him and ask if you would kindly update my bank information and I would make my payment right away on the phone. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 21d099658bda4cc8abf4f06dd73390c3
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{"chroma:document": "This review is for my Pottery Barn card, which is issued by Comenity Bank. Do your homework before applying for this card. This card has a high interest rate with high late fees, and horrible customer service as stated by many other reviewers. After approving you for the card and subsequently using the card with 100% on-time payments, they may suddenly ask you for copies of your driver's license and social security card before they'll let you continue using the card, for no other reason than they feel the need. Huh? I have never had a credit card ask me for that information. Also note that their system is set up to surreptitiously charge their customers exorbitant late fees and finance charges. How do they do this? By stating that the due date is on a specific date, let's say the 16th of the month, as an example, but then imposing an early cutoff time on that day in order for the cardholder to avoid the late fee and finance charges. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c5f27017c3604487b3aaab6553abcf91
encoding: FLOAT32
metadata:
{"chroma:document": "Cardholder for years. High credit limit over $10,000 - NEVER missed a payment - paid in full then they lowered my available credit to $750 and said I had a credit score of 400!!! I work in the financial industry, have access to all 3 bureaus, just refinanced my house, and my score is in mid 700s. I called, wrote and never got an explanation. They refused to tell me what credit bureau they used. Isn't fraudulent credit reporting illegal? I closed the card. Horrible business practices."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 02aa6bd9c64248a5855efa28e7cc86ec
encoding: FLOAT32
metadata:
{"chroma:document": "Shame on Comenity Bank! I received a surprising letter from them that my HSN credit card account was now closed. I have 18+ years of excellent payment history with that card. I called 5 times and got passed around Comenity and transferred to HSN with no good answer from anyone. I would really like to have my account back with HSN. But HSN said it is in the hands of Comenity Bank. Comenity said they closed my account because they did not have a physical address! Weeks before the \"closed account\" letter, they left a voicemail message that I promptly returned and was on hold for over 15 minutes (no exaggeration) so I hung up and forgot about it. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 3cc706c5a37840289c64376e84e48c7e
encoding: FLOAT32
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{"chroma:document": "I purchase patio chairs and Canopy from Big Lots in March of 2017 in which I opened an account under 12 month promotional special. My balance came to 750. So I began to make payments on my account. The first month I miss because I didn't know I was due. My fault. After this for the next 6 months my payments were made on time with the exception of one. I was 2 days late. Paid 50 late fee. Was 35 for 2 days! I got down to $260 New Balance. Because I had not paid off 260 balance within 12 months I was hit with a $406 fee added on and then another $206 for which I don't even know what for!? More interest! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5be45a1c3de84ca4ad5374bbd9d2e8a4
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{"chroma:document": "I received a letter from Comenity Bank a couple of days ago stating that they closed my account due to missing information. I have been with the Children's Place Card for years now and had not had any problems when this card still belonged to Citibank. This morning I called their customer service line and spoke with a CSR and supervisor and neither of the two had any sincerity or concern on the matter. The supervisor Gabriel was the worst between the two as he was extremely passive and uncaring, just had a sort of \"sorry for you but oh well\" type of attitude. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fc0f19f289a645e9b256ce67847f457e
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metadata:
{"chroma:document": "I am following up on my earlier Overstock account post where the card is issued by Comenity Bank. I spoke with a supervisor in customer service on Monday and gave them until the 24th to have my credit card payments correctly applied. This means to credit my revolving balance and show it with a zero balance and no finance charges. I should now have a zero balance on revolving and promotional balances totaling 1000.00. Instead I now have a revolving credit balance of $529.78 and a promotional balance of 1420.00. These two figures do not even make the 1000.00 I owe. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5418403f32e84b07a59ea4ba1889ee0f
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metadata:
{"chroma:document": "My Comenity Lexus Pursuits card has been PAID IN FULL for many months now... There is ZERO BALANCE, and the card is essentially useless because you can ONLY use it at a Lexus dealer. I found out today from a Credit Bureau that Comenity CLOSED MY ZERO BALANCE credit card because they felt like it... To add insult to injury, they REPORTED IT to the Credit Bureaus!!! I have been a PERFECT CUSTOMER... PERFECT. They are CRAZY and weirdly UNETHICAL... They are reckless and sadistic. And Ive spoken to a class action attorney. Apparently many customer have been abused in similar damaging fashion. HOW DARE THEY."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: fb200df9563047bc88fc81e7dcd03a13
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{"chroma:document": "My Comenity bank credit card was recently closed! I received a message from the credit bureau that there was a problem. My credit score is over 800. The following day I received a letter from Comenity bank saying my account was closed. I called them and asked why and that I had an account with Ann Taylor/Loft for over 25 years. The lady said they couldn't reach me to update my information. I told her my information has never changed. That's when she told me that I had a PO Box and they needed a physical address. I live on a private road and the USPS doesn't come down my road. She said some people got letters and some people got phone calls. I told her I did not receive a letter or a phone call. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 496cb0235093496d817704bd21eace8f
encoding: FLOAT32
metadata:
{"chroma:document": "I have shopped and had a Talbots credit card since 1984. I have never been late on any payment and have always paid in full each month. Several years ago, the company went with Comenity. I was one of those whose information was hacked from Equifax. They recommended freezing my account there which I did. Evidently, Comenity tried to check something from them and was refused. My credit score is 850. I received a letter from Comenity saying that they had closed my account. The baffling part was the letter explained that my account at Pier 1 was closed. I have never had an account there. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 37a660c42b224974a178b1d58578da16
encoding: FLOAT32
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{"chroma:document": "First got a Belk card over 10 yrs ago. Didn't use it often enough so I cancelled it and paid off the balance. Fast forward to today, and I have a Torrid and NY&Co card. I cancelled the NY&Co card and paid off the balance (again just didn't shop there enough) and kept the Torrid card. In the last year I started receiving calls about a delinquent Belk card from them. I checked my credit report - and it's not there. Apparently even after I paid the balance and cancelled the account, they continued to charge me late fees! They now claim I owe them over $700 for a card I closed over 10 years ago. Thankfully it's an old enough account that it doesn't impact my score or credit!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 9cb55c9b861f4cf1b592db5d602b6f81
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{"chroma:document": "This is the most horrible customer service fail I have ever experienced from any of my credit cards in my entire life. After almost 20 years of carrying the Victoria's Secret Angel card, I received a letter in the mail a couple days ago, stating that my account had been closed, due to missing personal information on my account. I called to speak with customer service today, and spent a couple hours on the phone, being \"escalated\" up through the ranks, until I finally reached a senior supervisor. The first story they gave me, from the lowest ranks, was that they sent out letters earlier in the year, letting cardholders know that they needed to update their account information with a physical street address, and anyone who didn't would have their account closed. I never received such a letter, and I have always made sure my account information was current. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5a18815b7086445f93fcacf897f925e0
encoding: FLOAT32
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{"chroma:document": "I had 3 cards with Comenity bank, Torrid, Ultra, Boscov's. Never late, balanced paid off quickly, spent a lot of money at Boscov's and would pay them off within the month maybe two. One day I get home to find 3 letters. Boscov's allowed this dumb company to lower my limit from 1500 to $200!!! They also closed my other 2 accounts for both inactivity and bad credit reports. I sent them a letter explaining my credit report they pulled 2 months ago was corrected after mistakes were found and my score was back up. I reminded them I was an active and responsible card holder and asked them to reconsider... I was promptly told no... This company is a nightmare... The stores involved with this company should drop them... Because they lost my business because of them."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 728845b9277f46c68f02215da082446b
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{"chroma:document": "This company is single handedly responsible for killing my credit score. They reduced the credit limit on some of my cards down at least 75%, most recently West Elm, from 4K to $1400 and Wayfair in half. Today I get a letter stating that my Overstock card had been closed due to account inactivity (just purchased a few things two weeks ago) and credit report info. My score isn\u2019t awful (but was better prior to this company and their reductions and closings) and I\u2019ve never missed a payment on anything! There\u2019s another $2500 off my available credit. If memory serves I think they had the Virgin America cards that were all closed at the first of the year, it started with that and has been downhill ever since. Never again will I have any account with them!"}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 828733bf68954d269352fe8bf3907fe3
encoding: FLOAT32
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{"chroma:document": "So, where do I begin!!! I have 3 credit cards through Comenity Bank. The Room Place, Victoria Secret and Gamestop. All 3 cards no missed payments and all were in good standing. My problem was with The Room Place credit card. I had 9,800$ in credit. I purchased a living room set and a mattress and box spring. I am very happy with my furniture and it's a shame that I have to write a review like this because of Comenity bank's carelessness and unwillingness to deal with their customers properly. Especially, their great customers!!! "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f35dcf57884a4fd6a477b9fa745ba049
encoding: FLOAT32
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{"chroma:document": "I missed my first payment by 1 day and called to have the $27 late fee removed/waived and to my surprise I was advised that they are unable to remove the fee due to the agreement/contract between Ashley Stewart and Comenity Bank. I can't wait until ALL my cards through this bank is paid off. Their billing practices suck!! I will never get another card with this bank."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 812a120c885443a0b27a33926955a42f
encoding: FLOAT32
metadata:
{"chroma:document": "I recently applied for a Wayfair credit card through Comenity. A few days after I submit my application I get a notification from Equifax about a hard inquiry into my credit report by Comenty-Wayfair. Nothing wrong here since I knew that applying for a credit card would mean having a hard inquiry done. I have a really good credit score (over 800), no derogatory marks ever on my credit report, and have never missed or had a late payment on any of my loans so I knew I would be approved. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: d5e99a7e6610444899b76bc978f4a96a
encoding: FLOAT32
metadata:
{"chroma:document": "I received notification from a credit bureau company that my Comenity/Kay Jewelers account had been closed. This closure was not by any action I had taken. Upon calling the Customer Support (less) for Kay Jewelers, I was informed that due to the Patriot Act, they needed my physical home address on the account. They sent requests for this information that went unanswered. I have a PO Box for security reasons. There was no request, that I received and do not believe that the Post Office would withhold any mail. As indicated, I spoke with Customer Support (less) and requested to speak with a supervisor. Since the account was closed \"permanently\", there was nothing they could do. "}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 56d24bfe9bb04592abe725487641cf3f
encoding: FLOAT32
metadata:
{"chroma:document": "I have been with Comenity Bank for three years and have three cards with them. I have a Meijer Card, Victoria Secret and The Buckle card. Over the three years, I have had my credit limit raised on each account and have a high credit limit. I have always been on time with my payments. Recently, Comenity Bank LOWERED my credit limit from $1500.00 to $300.00 after a payment of $1400.00 was made on my account. My Meijer and Buckle credit limits remain at $1450 and $1300. This is completely unfair as I feel they just took my money and I do not get any of that as my available credit. Instead they lower me down to a limit a brand new customer would receive upon opening an account."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: c8cc378662cb4fbca4d6586c6ecc484f
encoding: FLOAT32
metadata:
{"chroma:document": "I had a promotional balance on my Overstock account, in addition I also had a revolving balance due. I paid my monthly minimum, plus the total amount of the new revolving balance plus 120.00+ on top of that. I had two payments/months left on the promotional balance, yet they credited the entire payment to the promotional balances, left the revolving balance and charged a finance charge. I was told that because of the length of time I was on the phone with customer service they would credit the finance charge, not that it was being credited because they misapplied the payments..."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 289218b38aab442a99bee7f6bfd3429b
encoding: FLOAT32
metadata:
{"chroma:document": "I had store promotion deal for 18 months of no interest charged. The bank provider was Comenity bank. The bank statement is misleading and not showing the payment amount to make up the balance at the end of 18 months. The only 3d page of the statement shows the accrued interest because usually people don't even check it. I strongly suggest to stay away from this bank as it charges 29% interest rate, highest in bank industry. SHOWS NO EFFORT OF PROTECTING THE CLIENT TO AVOID HIGH INTEREST CHARGES. One way or another it will get to this situation. The purpose is to rip you off with the highest rate. I am looking for people caught in the same situation to start legal proceeds against this bank. Not enough that we paid big buck for furniture, we are rip off on the interest rate! In 2014 this bank lost lawsuit for misleading fees situations and paid people back. If anybody are interested to join me please, reply."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: f4c9379a3d92425290d0e2756c10c306
encoding: FLOAT32
metadata:
{"chroma:document": "Comenity close my account for no reason in Sept 2018. I have been a customer for 17 years and always paid more than the min. balance before the due date. This is ruining my excellent credit. When I called they could not explain why and said they couldn't do anything about it. Something about being computer generated."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 71c87b3abbc1424ba4b509614cdcda9f
encoding: FLOAT32
metadata:
{"chroma:document": "My account closed 9-7-18 for no reason yet, and when I called no answers. I checked my FICO and it\u2019s 800+ Excellent on everything and zero late payments ever. I will never apply for Comentity Bank card or store card again because when an account closes like this it puts a ding on good/excellent credit. Also, stores have a history of changing the banks on their store cards and closings accounts only to send new credit card with a different bank which again dings credit. No amount of savings at the register is worth that. Comentity was a pain to deal with all along."}


created_at: 2023-11-04 20:04:30
topic: persistent://default/default/dfa2cae4-60b5-4a7d-8507-35401bd2fe57
id: 5eb85f8c8cf04e81af0400c4877b551a
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metadata:
{"chroma:document": "After being a Children's Place cardholder for over 5 years, I found out today that they closed my account on 9/7/18 because they somehow didn't have my physical address in their system - only my mailing address. Funny how they had it on my NY&Co card though. I found out my account was closed by going to Credit Karma, but I do not understand why they'd do this after I just purchased some items from them for my son on 9/3/18. I called them at 866-544-1471 & Angie told me that I would have to REAPPLY for a new CP account because they could not reopen it. I asked for her supervisor, and she transferred me to the very rude and unprofessional, Andrea. She kept telling me \"I am not too for sure\" about each question I asked her and then she got an attitude when that response could not pacify me. "}


