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 was preapproved online on 9/16/21 for an IKEA Projekt Card for a complete kitchen remodel. This is the most frustrating financial issue I have ever dealt with. I think I am going to get a lawyer and sue them. My credit score is in the 800's for the last 20 years and now they are threatening to destroy it. I have called them many times and even though they admit this is a mistake, they tell me that they fixed it, but they still haven't.
When I called them to resolve the issue, they told me they had fixed the issue, but they never did. When I looked at my credit card statement, It showed the original transaction I made at Sportsman's, then it shows 2 additional debits each for the same amount of over $2,000, but the debits are described as recurring payments. The bank issued me with refunds on all the illegal transactions and covered my overdraft fees.Ĭomenity bank sent me a letter telling me that I owe them all the multiple transactions they stole from me or they will report me to the credit bureau. This caused me multiple overdrafts which ended up draining my Savings account of over $4,000. Three days after I paid off the card, I get multiple text messages from my bank, followed by a phone call stating that multiple payments were processed in the exact same amount I had paid on the Visa card three days prior. The following day, I noticed the payment had posted and I then confirmed that I had a ZERO balance on my Credit Card.
I used my Wells Fargo debit card to pay the full balance. When I attempted to log into the account, it was down due to maintenance, so I called them, and a representative took my payment over the phone. After a week, I decided to pay off the balance, which is what I always do in situations like these. So, I spent over $2,000 with the intention of getting the nice $300 credit for my purchase. I applied for the Explorewards Sportsman's Warehouse Comenity Visa card since I was making a large purchase and they were offering 15% off if I purchased anything at Sportsman's. If you have any experience with Comenity Bank or their services, please leave your reviews below. You can also contact the company by mail at their address in Columbus, OH or with a simple email submission directly through their website if your issue is not urgent and you have no need to speak to someone directly. They provide articles which address financial health, both from the angle of providing their customers with general tips and guidelines for promoting good finance and more specific articles that focus on having and maintaining good credit.Ĭustomers who have issues, questions, or complaints can contact Comenity Bank directly at one of their customer service phone numbers, depending on the nature of the issue they are seeking help with. If you have a Comenity backed account, you can use their website to manage your account, as well as utilize the other helpful tools available on their website for your own personal benefit. In pursuing this goal, they have successful backed over 28 million store credit cards or accounts, and their website says they continue to work hard to make sure their credit programs are clear, easy to use, and easy to manage.