Bread Financial Reviews

I have had several situations where I have received my statement late. Very short billing cycle. I get online the same day (5 days past due) pay the account in full (54.00). Then they assess a $27 late fee, 2.00 in finance charges. I call to have them remove the fee. Well, I am not eligible because I had a fee removed in the last 18 months? Kept me on the call for 45 minutes... and just kept saying "NO".

Twice in the last six months they have not credited my account. It was paid by cash in store. I have the receipt. I send in a copy of the receipt and they're still harassing me saying I did not pay them and charging me an ungodly amount for a late fee. I will be going in store to handle this. Victoria's Secret will never get another cent out of me. I close my account in October. This company is very unprofessional and keeps charging interest when I have never been late for a payment. Will contact a lawyer.

Had a tooth break while my dentist was out of town. Aspen could get me in next day so I went in to see if there was a temporary fix we could do until my dentist came back. To make a long story short I applied for financing for an implant procedure and made an appointment for a month later. The whole thing was 7 grand. After other opinions I cancelled the appointment. So imagine my surprise when I get a bill for nearly 7 grand for a procedure I never had and cancelled weeks before the appointment date.

I have had accounts with Comenity Bank since they came on the scene. I recently applied for 5 new cards, verified and approved and that made the bank nervous. They have frozen some accounts and closed others. Many have a zero balances and none are delinquent. I didn't use the shopping cart trick. I actually had a decent credit score. I have cards from other reputable banks, Wells Fargo, Chase, Discover and Capital one. I am gonna close every account and keep it moving. Bad customer service in the 21st Century is unacceptable. I have officially fallen out with Comenity Bank. And I plan to file Class Action when they report derogatory info to my credit. Really, I ain't mad, it will be a blessing to not be tempted to use their cards. God works in mysterious ways...

I have just read all of the other reviews and they are 100% accurate. They purposely did not send the first month's bill, which ended up in a very big late fee. I got the card to help build credit and to purchase a much needed rug. I now wish I had picked a different banks card over Comenity. My Synchrony never screwed me over like this with the new egg card, that's for sure. 2 Thumbs down to Comenity.

My January payment was due on the 12th and I electronically paid it through my bank on the 3rd. When I got my February statement the payment was not applied. I have been trying to resolve this since the middle of January by phone calls and letters to customer service. My account is in dispute but they keep adding late fees and minimum payment charge even though they say it could take up to 60 days to resolve. When I call and the recording tells me my balance it says it is in collections. This doesn't seem acceptable when I have done the right thing. Please be extremely careful if you get a credit card from them.

I was a Comenity bank customer with Avenue...Lane Bryant and Metrostyle. Well I fell 2 months behind on Lane Bryant and Metrostyle. I reached out to them to let them know about my financial situation changing and tried to make arrangements to pay and to keep my accounts in good standing. Well after the arrangements were agreed upon by myself and the bank...they closed my accounts with the exception of the Avenue account which was not behind in payment...that was in 2015...so I just paid them until they were done!

We frequently shop at Pottery Barn and use their store credit card (provided by Comenity Bank). While shopping at a local store in December 2016, the sales associate had trouble with the card being read by their charge unit. She completed the transaction by simply entering the numbers manually. She suggested we request a replacement card. Good luck with that. After nearly two months trying, and being told by phone that a replacement was being sent that day (mid-January), no card. We did get a letter (the third) saying they had tried to reach us, to no avail. So would not send the card. BS!!!

I'm reviewing Comenity Bank's Visa card for William and Sonoma and my recent experience with them. I was shopping their website and got a credit card offer and applied, was approved for $1500 CL. This company is down right dirty for doing what they done to me. Not only did they offer me the CC but sent it out and let me activate it then told me "Congratulations you can now shop with your new CC!"

I have two accounts with Comenity. DB and VS. I've fallen behind on payments due to working partime. Account was sent to recovery dept. The reps are rude and nasty. Being nasty isn't going to make me pay any faster. They need not to harass clients and threaten them about account going to an attorney. The reps are unprofessional and some yell and interject. Hire better folks!

Since Comenity took over Credit Card payments for Boscovs, we have been hit with 2 $25.00 late fees already, one last August and now in January. I mail all our payments in the same time frame to make sure they arrive on time and we have never been assessed this except for the Comenity-Boscovs card. That seems to be somewhat of a coincidence and when I called Comenity, they said they can't waive it since we already had the late fee last August and it was within an 18 month period. This is a rip off and I canceled my account but my wife kept her card but they aren't getting any more of my money.

I don't owe this bank any money and have not borrowed any money. Yet they continue to stalk and harass me with threatening phone calls. I did apply for credit through Aspen Dental but never needed the credit, so I don't owe any money. Will also never use Aspen Dental because of their affiliation with this bank. My plan is to file a complaint with the Ohio Better Business Bureau. Don't waste your time with these unscrupulous people. If you can't pay cash for your items, then keep walking.

I received 2 phone calls from Comenity Bank today telling me that I am missed my last payment of $21.65 and I now have 2 months of late fees due. The first caller told me it was on an order that had been returned to HSN and the second called me that it was on an order that I placed at HSN in May of 2016 and I need to pay $75 or I will be turned over to collections. However, if I paid $50, he back out one of the late fees. When I called HSN to get some info on this, they could not help me, said I need to call the bank because they cannot call the bank on my behalf, but they could do a 3-way conference call. Well, I got disconnected. Called my bank and my web payments have been taken out of my account, but Comenity did not credit my account.

I think Comenity makes it a habit of not sending your first bill so you get charged late fees. Twice, two different store cards ran by Comenity, I did not get a bill after my first purchase. Obviously without a bill, it did not get paid. Started getting phone calls for payment before an actual bill came (again, with both of these accounts). When it did show up there was a late fee.

I got a call from Comenity saying I was late on a payment. I explained my situation of losing my own debit credit card. Then got informed I was 2 months behind. I made purchase at the end of Nov. Just got a bill and the payment due date was 1-6-2017. So how am I behind two payments? That is a crock.

I opened a new account with this bank via special offer through ULTA. I tried to use my new CC (brand new account, no late fees, no overage on my end) but it was declined - no reason provided. Happened 2 times... I called the bank and found out they had closed my account without any notification to me. I am closing out this account, for sure. I have nothing positive to say about this experience.

I have had difficulties with the payment side of this company. A number of times I have had to make a payment after it was electronically sent in because I found it difficult to get that part of their payment system to work either as a single payment or trying to make monthly payment set up. I was getting late charges with statements and after a while I found the only way to make a payment that was processed was by phone. After making a final payment, I got a statement saying that I owed another late charge. Today I called them and told them that the statement I received was incorrect and that I refused to pay any further late charges. I had closed the account on the 5th of January and at first they could not remove the late charge. I finally got hold of someone, who as a courtesy said she would remove it. I suggest that if you are going to order from this group use your own credit cards and leave their Comenity Card out of the situation altogether.

I get that working for this creditor/bank cannot be a walk in the park, but their employees are rude, condescending, call multiple times/day (not just you, the card holder, but your family members, too), and then make up excuses why they're allowed to do this, and state that their employees never dealt with you in an unprofessional manner. Please avoid if you can!

COMENITY Bank is the biggest rip-off company I've ever encountered. They pounce on you one minute after your $1 payment is due and quickly charge you $27. It happened to me 2 months in a row. That's $54 down the drain with nothing to show for it. I closed this account right away. I feel lucky compared to the hundreds of other horror stories I sat and read from other consumers. How long can these scam artists be allowed to prey on consumers trying to build their credit? Stay away from this company and spread the word.

This bank is a total rip-off... I try to make payments to them online and their system will not accept them. Obviously they do this so they can add a late fee to your account. Paying by phone gets even better... It's a $9 fee just to talk to a customer service rep, even if you're paying from your checking account. I sincerely believe that Comenity Bank's practices should be investigated.

While shopping at Overstock.com, during my check-out I was advised I had been pre-approved would I like to accept the offer, I subsequently did. The same scenario occurred with J. Crew, Sportsmans Guide, and Express. I never authorized or gave permission to have my credit file accessed with a hard pull, I never provided my entire social security number. After receiving a denial letter for the Express account which indicated first party fraud, I called in on 12/13/16 and spoke with a Jonathan who was completely oblivious and said he'd never heard of anything like that before o_O, thus I requested his supervisor, she then gets on the phone and calls me Eric confused as that is not my name and I had just previously spoken to someone I wasn't sure why she would randomly call me that!

I called 12/16/16, to get a one-time courtesy late fee removed. I've never been late on any of my payments, and yet this credit card did not remove the late payment, despite me making a payment for $100, which was over the minimum payment required. I also requested to have the payment due date changed, and they stated that they could not change it. Never have I had a credit card like this one, that doesn't try to negotiate with the customer. Comenity Bank, will be losing a valuable customer as a result.

I wish I could rate them 0 stars. What kind of a company only accepts debit cards and not credit cards? I understand to an extent about it, but if it goes through and they get their money then what is the big deal?? I think that the "policy" is absolutely stupid to not accept any credit cards... Once paid off I will never use again.

I have one account open with them. All of a sudden I'm getting bills from other places that I didn't apply for and bills on top of that. I have paid off the card that I had but somehow my payment have gotten sent back putting my bank account with extra fees. Not cool... Not to mention the harassing voicemail of I better have a lawyer when I contact them. As far as I'm concerned I paid them off and they sent my payment back. Now my credit score is very low because of them. Again not cool. Nowhere on the internet is there a number for the company customer service... But I have canceled the one card I had which also caused my drop on my credit score. So very upset I ever wanted a credit card with them.

I recently applied for and was approved for a Sportsman's Guide Visa card with a $1500 limit. I received the card in the mail, activated it, set up all the profile information etc. Two days later I took my wife to dinner and the card was declined. I called and said the account was closed one day PRIOR to activating my new card. Needless to say, I was not a happy customer. I have read horrible reviews about this company but have 3 other accounts with them and have a perfect payment record with them, so I wasn't even concerned about any problems with my new card. I was told that I couldn't be given a reason over the phone, but would receive a letter from them explaining why. That was 10 days ago and when I log in it still shows my account as active. And still no letter explaining why.

I have a Williams-Sonoma card that used to be with Barclay and switched or was bought out by Comenity. I didn't know until I went to make my payment. I finally called the 800 number on the back of my card and the lady was very helpful. She informed of the switch and gave me directions on how to create an account with Comenity so I could pay my bill online (which is how I pay most of my bills these days). That is where the problem occurs. It is damn near impossible to even get on to the Comenity website. I tried from my home computer, phone, work computer... all to no avail. I finally had to call the number on the back of my card again (as this was the only way I could get a hold of anyone) and once again the lady was nice and helpful and let me make a payment over the phone with her. I have never come across a company that made it so difficult to make a payment! At this point, I will be paying this card off as soon as possible and closing the account.

If I could give Comenity zero stars I would. I had to go out of town for a week, and I forgot to pay my Comenity credit card bill before leaving town. This caused me to be late paying my bill because I did not have the card with me so I had to wait until returning home before I could make the payment as I had not yet set up an online account with them. These people were calling me at least 10 times per day. Their behavior borders on harassment. I am definitely canceling my card with them, and I will no longer be doing business with the store with whom I have the card (Stage). My advice is to avoid doing business with this company at all costs.

This was my first time dealing with Comenity Capital Bank of Columbus, Ohio. I applied for Boscov's credit card but I was told they could not verify my credit report at Experian because it was locked. Comenity said I should apply again after I unlock my credit information. I contacted Experian and they told me it was not locked. I was able to get my free credit report. I requested Experian to unlock it for two weeks period so Comenity Capital Bank as a vendor could have access to it. I wrote to Comenity about my action.

I have a card through Victoria's Secret and I had to switch jobs. I don't get paid enough to make on time payments once a month so, I've been missing payments. Comenity continues to call me on a daily basis, 10x a day some days and I do not answer because I have things around the house and family matters to attend to. When I do answer and talk to them and explain "I'm not sure when I can make a payment", they refer to it as "refusal to pay" which I find absolutely ridiculous! How am I refusing to pay when I explain my situation as to why I cannot make a payment today or within the next week? I am not refusing anything, I am just unable to. I'm going to be saving up the little bit of money I do have to pay this off so that I can close my account with VS because I'm sick of the collection calls and sick of being told I'm refusing to pay. I don't think that anybody should have to deal with things of this nature when they are experiencing hardships.

I received a letter from Comenity Capital Bank advising they had put a "hold" on my credit card. They indicated I had made a purchase at Forever 21. I called them as soon as I received the letter to advise them I had never applied for a credit card with them. They sent me a Fraud form about a week later and we filled it out and mailed it in. About a week later I received a bill from Forever 21 with a $27 late payment penalty so I called them again and they apologized and told me to discard the bill.

The Comenity Bank is committing fraud by deliberately not processing payments until after the payment is due. I mailed my November 11, 2016 on October 20, 2016. I called customer service today and the operator stated that my payment has yet to be received. This is the third time. Fraud. I am cancelling all of my Comenity accounts today and reporting my concerns to the Better Business Bureau and the attorney general.

They are stealing from consumers. As to not bore anyone reading this, I signed up for their card for the 0% offer on Wayfair. I got my first statement and immediately signed up for online payments (they do not allow for automatic payments...convenient) and never missed a payment. Until October, when I did miss a payment (I was traveling) and realized I had been charged interest since inception. I immediately paid off the card in full and asked why I'd been charged interest. They said Wayfair must have not sent them the fact that I was supposed to receive 0%. And now, it's past the 90 days that is in the fine print that you actually have to dispute something like this so there's nothing they can do. Watch yourself when signing up for any store credit cards that are not backed by the store itself!

I have a second job. Like MOST jobs today, your check can go directly on a debit card. Guess what, without a routing number. I'm supposed to pay CB an additional $9 just for using my PAY CARD to make a payment on time. They charge late fees of $37 - $10 more than the monthly payment. THEY do blind phone calls, so when you answer, there's no one there. You hang up but they have a record they called you. This so-called bank is in business for the late fees. They have made over 5 times more money off me on fees, over interest. No auto payment arrangements, $9 fee to pay with a DEBIT card! Contrast. My Discover allows auto pay, has real customer SERVICE. I love Discover. I will pay off my HSN and Catherine's cards and buy stuff off Amazon with my Discover or debit card.

I noticed two charges on my PB account. I kept wondering why I wasn't able to pay my balance down and now I know why. I was charged 838.00 for a revolving promotional?? And then another 300.00 in Finance charges. I already pay 47.00 per month in finance charges. Beware of Comenity Bank and their endless fees. This bank should definitely be investigated for consumer fraud. I have sent PB a request to remove these fees so we will see.

I bought a present for my wife in Henri Bendel, NYC. They extended to me an Bendel credit card, administered by Comenity Bank. I paid the balance of $168.88 on time. I dialed your number and was communicated with a cumbersome system. I was asked to enter my bank account number and routing number. A few days later I dialed again and the system communicated that my balance was now zero. I then received a very aggressive letter saying that my payment had been rejected because my bank had returned the request for payment. Puzzled, I called my bank. The bank told me that no request for payment had ever been received. I called your phone line again and requested to talk with an agent. Said agent was totally inarticulate and kept repeating that I was in default because my bank had rejected the request for payment.

I am disgusted with the fees this bank charges and to make it worst the customer service reps are more like bill collectors - nasty attitudes. I pay all my bills through bill pay. All my bills are paid way before the due dates. This bank has been posting my payments which are deducted from my bank 2 days prior to due date and Comenity is deliberately posting the payment 1 day after and charging my account $30. They are despicable.

I recently received a credit card through BJ's which uses Comenity Bank. The card was working great with no issues until today. I use my credit cards instead of my debit card for all transactions so that I can take advantage of the maximum bonus. To keep my credit card utilization rate low and not affect my credit score, I will typically pay the credit card as I use it, sometimes making the payment in the same day as the transaction, but usually no more than 2-3 days after the transaction is made. I do this with multiple credit cards, and have never run into any issues.

I have 4 store cards with them--Overstock, Woman Within, Lane Bryant and Gordmans. For the most part I like being able to shop at these stores. After trying to work with them to get them to change my due dates on the cards I started picking up on stories I was being told. They tried to tell me that one of the cards determined my due date by my zip code. Another told me the store demanded my due date be set to that. And as I've kept pushing about them changing my due date on the card they keep telling more and more lies... Now that it's become very obvious I am being lied to I have told them I will probably start closing these accounts as they get paid off. I have gotten a line of credit increase and 2 out of the 4 accounts have allowed for my due dates to be changed but they say there is nothing they can do for the other two. Hmmm. They told me the same thing about all of them a month ago!

Hello everyone. I have never made a review on a company much less on a review board, but I really want to share my experience with this company. They are completely a scam and do very shady business. About 1 month ago, I went school shopping with my daughter and every store we went into, they offered the 15% discount if you open a card today. So, I opened about 5 accounts throughout the day from different stores, PINK, NEW YORK and COMPANY, TALBOTS, Dress Barn and then they sent me a Mastercard from Gander. So of course to get the discount for opening a card, I used the cards that day. I just received my first bill from each one last week with a minimum payment of $27 due by October 8.

This is about the Victoria's Secret Angel card. Been a cardholder for almost 2 years and never had billing problem, but then suddenly this summer bills just didn't get delivered. They claim mail is being returned to them as undeliverable and repeatedly ask to update my address. My address is correct so I don't know what to do and I don't know where or who they are sending my mail too. They asked why don't I sign up for paperless billing, I did and even then their notifications were not reliable which is why I switched back to paper. Victoria's Secret won't even help, have not received bills, free birthday gift offer, rewards, nothing. All Victoria's Secret tells you is you have to call Comenity.

I had opened a Comenity Total Rewards Visa, only to have them after two months close it. Keep in mind all payments were on time and paid in full. I received a letter saying excessive inquiries and this too is incorrect. I had applied to a card to transfer a balance at zero percent and that prompted this action. Stay away from them at all cost. This bank's business practices are very poor and even the reps say they see this a lot and don't agree with this action either.

THE WORST CREDIT CARD COMPANY I'VE EVER DEALT WITH. CUSTOMER SERVICE IS AWFUL. I wish I NEVER would have opened an account with these people! I have never used them before and was buying a lot of furniture for our new home with Wayfair and thought it would be ok since I was getting 0% interest. I am a responsible customer who cares about credit and making sure payments are made on time. But comenity does not want you to keep the 0% and hope customers "Mess up" so they can charge a huge interest fee and make their money. It took them forever to even send me my card but said I can start using immediately (convenient).

HSN has their payment departments fragmented and hard to follow if you get behind because you lost your job. Comenity Bank is in "charge" of HSN credit card - not account. In getting a new position and explaining and trying to get a decent settlement price instead of the outrageous amount of monies they wanted, I had to be belittled by a ** agent who collected my information and with attitude gave and I accepted a settlement. One payment the day of the arrangement and one payment 10 days later. So today (10 days later), I'm using the exact phone number given to me to call and make this payment and get an agent who knows nothing about the settlement and asks me for the full amount. OMG. Then when I start to explain to her the issue, she transfers me without telling me.

Avoid any vendor that has their credit card through them. I opened a credit account with Overstock.com. This bank refused to provide me with my account information however they emailed me a statement 2 DAYS after I opened the account. BUT without an account number I cannot access my statement to set up payments and without accessing my statement I cannot find out my account number. And of course if the payment is delayed they will attack my credit and try to damage it. This so called "Bank" is a big scammer. Any victims of their horrific business practices should start suing them. I know I am.

Simply B approved me for an account through Comenity bank. Worst mistake of my life!!! I only ordered two pair of shoes. My total price was only $30+. I pay all my bills online. I kept calling the automated voice feature and I keyed my information in as it prompt me to do so. Of course trying to find out how much is my balance it stated "no payment is due at this time" which was false!! I paid a total of $58 on the 6th of August because of late fees... Keep in mind this is supposed to be my payoff balance... But oh no!!! September is here. My balance is now $88.98!!!

I have called Comenity Bank, HSN and I keep getting sent back and forth and back and forth and I am already disgusted on how I can resolved this problem. Maybe I should just sue HSN-Comenity Bank for burning my hands like I said regarding this horrible Curtis Stone Cookware they are selling that burns your hands when you touch the lids and handles. No other cookware in this world does that except this!

I opened an account with them through Venus. I signed up for online payments. I made my payments, for some reason they said it was returned due to invalid information on my bank account. They could not pull up my information to let me verify if the information was either put in correctly or incorrectly that I had to put the information in again via online. I did so. Triple checked that it was correct. I received the next month's statement with another returned fee. Now I have $78 in fees for products I have originally returned anyways. They still cannot verify whether the information is correct or not. They are crooks. I had to talk to a supervisor to pay this $78 so I can close my account out and be done with them for good! They are unwilling to work with you, or help you resolve the issue. They said "this is not common". But from the reviews I have read, obviously that is false.

I made my June payment on the 4th. It was not due until the 17th. I paid more than the min. due. On the 20th I was in Avenue and asked the store manager if I made a payment then would it go towards my July payment since the due date had passed. She said yes. She was wrong! I was called and told I failed to make my July payment. I told them I was told it was fine and they saw where two payments were entered in June. The woman understood the error. Told me I paid 4 days too early. She thanked me for trying to pay early. Informed me of the actual date I needed to wait for (24th). She reversed the late fee and I thought all was well. But instead they called me and told me I needed to pay 47 dollars as a min. payment instead of the usual 27. If they saw the error, apologized for misinforming me, and reversed the late fee, why was my min payment nearly double? Answer: "Just pay it. It's no big deal." It was to me.

This company is horrible. I never received a notice that they took over Citi bank and was left with "your account ended with that bank." So if that's the case why are they calling me every 30 minutes wanting me to pay but I had the hardest time trying to get my account number from them. It wasn't until I said something about taking them to court is when they really wanted to listen and now my account was almost forwarded to Weltman, Weinberg, & Reis Co.

They updated my account and coded it incorrectly, and brought my 2009 bankruptcy back up to 2014. Because of this error, I can't refinance my house. This is costing me thousands of dollars. I have been trying to get them to send me a letter via fax and mail and they can't seem to handle that. I find it hard to believe they don't have a fax machine. I work for a large bank myself and know this goes against what banks are supposed to stand for. Do not ever have a Comenity Bank credit card. Stay away from this company.

Do not sign up for a card from this bank. I signed up for the card through Ideal Image. The Ideal Image website that goes through Comenity Bank, does not give correct information, it deceives and lies to you. When opening their statements, nowhere on the statements does it say a date when your package ends. Statements are supposed to have the ending dates on them, theirs do not. All theirs said was, Package Expiring soon, it never had a date. When informing Comenity Bank of this issue, all they did was take off the View Statement option and put a different link up, and then sent me a copy of all prior statements, after the fact that the package ended without me knowing. So now I have been charge, as if I never had the package in the first place and when you are trying to resolve the issue, they charge you late fees when they told you they wouldn't. Do not sign up for this card.

Today I received 3 phone calls from Comenity bank, and 1 text message. 12 DAYS TOO LATE... I made my payments to my credit card ON TIME at the beginning of the month. I was not notified until 12 days after my bank had refused payment (I made a mistake on the acct #) that my payment had been declined. My payment was due on the 17th, they were notified of this on the 14th. I then had numerous charges on my account all because of this mistake. I swear they just waited to notify me so they could add more charges. I was on the phone for 2 hrs, and 4 different supervisors, trying to get them to reverse some of these charges. My payment that was returned was only for $2 dollars. It is ludicrous how fast $2 dollars turned into $45.

Today I was contacted by Ben ** at Comenity Bank. I have a card through Comenity bank from Victoria's Secret. I was keeping up with the payments, and then my other bills kept increasing and I was no longer able to make this a priority. Having a roof over my head and food on the table became my priority. I was getting charged late payments and payments on top of that. I couldn't keep up. I spoke with someone else from Comenity whom was very understanding and told me he knows life can be tough. He offered to close my card so it wouldn't keep charging me and told me "good luck" and to take care of it when I had the chance.

I set up the payment account with them that allowed electronic communication with my bank ie; payment due notices and auto draft. After a year plus, and the payments being withdrawn on my bank account the day it is due I checked my statements online and discovered a $37.00 charge each month for the payment being late. It was either a weekend, or on some, after 8PM when they received it. This was whether it was on the due date or not.

I found out today after paying my accounts and placing an order that all 5 of my accounts were closed with any type of notice. When I called the number for my Buckle account it rang and rang. I then called and selected the option for a new customer, it finally rang to a person who could not tell me the exact reason of why my account was closed, but she did tell me that all my accounts were closed as of June 15th. I used my cards after June 15th, so therefore that's a lie. I spoke to a supervisor who then told me that even if you are in good standing they hold the right to close your account. Say WHAAAT?

Comenity Bank has taken over so many credit cards and their billing and payment practices are unsavory. They hold payments, and apparently have the right to do so. Often holding just long enough to make it late, charge fees and then not crediting as the minimum payment thereby making your next payment late again... an endless vicious cycle. Most recently they have been returning my payments back to my on-line bill pay and have done so two months in a row... they take no responsibility for this. My bill which was $27.00 and paid in full, is now due in the amount of $128.00. Nothing but fees because they RETURNED MY PAYMENTS TO MY BANK! Since there is no negative star rating, I had to give them one. Comenity Bank sucks and their business practices for posting, receiving and returning payments should be investigated. They should be fined for improper business practices!

I have a Crate and Barrel credit card that had a zero balance fraudulently used in store. I contact Comenity Bank who state that they will not correct the charges until there is proof that the card was fraudulently used. Crate and Barrel Loss Prevention contacts them the next day stating that charges were fraudulently charged (by a mistake of a sales person entering the wrong credit card number). Crate and Barrel contacts me informing me that a refund was made and they are ever so sorry. I log on and the charges (over $3,000!) are still there. I contact Comenity again who state that since the store is now involved and though they state yes I didn't make the charges, they still refuse to credit my card until they find the person who did make the charges and charge their account. Absolutely ridiculous! Close any and all accounts you may have with Comenity. They don't have the consumer's best interest in mind!

I applied for a J. Jill credit card for convenience and this is a nightmare. They moved me to paperless without my permission then the account gets locked up, I can't get my password - so I can't see what I owe. I returned a package and felt with the return my balance should be under $20, but the credit took a month to come through and I didn't want to pay the $100. I also couldn't figure out the balance and then had $50 of late fees over two months accrue. Please stay away from these crooks.

My experience is with the New York and company credit card. I used my credit union bill pay service and I have a years worth of payments 2015-2016 showing payments on the due date of the second of each month. NYC customer service said that although paid my bill on time to the credit union they did not receive it until the 3rd of the month (one day late), so I was charged $35.00 a month for 12 months equaling $420. I spoke with customer support and was told they could only refund me two late fees equaling $70 total.

I was contacted 5 times today by Comenity Bank, no messages left and when I called back they wanted personal information before they would say why they would be calling me. It is alarming to have that many missed calls between business meetings from 2 numbers that are from the same company and then no information on why they are calling. I looked up the numbers on the internet and found it to be Comenity Bank, seeing they are associated with a variety of consumer charge cards I realized it may have something to do with my Pottery Barn Card.

I responded to an ad on Facebook on discounted rate for hair removal laser treatment with American Laser Skincare. During the "free" consultation, the rep was so adamant on having me sign up for the offer and even had me try their machine right then and there. It seemed to work for me so I consented. They wanted the money upfront which I did not have so they assisted with applying for a loan for me with Comenity Bank. I was immediately approved and it wasn't long before the business called American Laser Skincare shut down. The clinic was inside a huge, almost empty building with 2 white females (the manager and receptionist) and about 3-5 Asian "nurses". The vibes I got from the white females were negative, but, I have no reason to discount my intuitive emotions so I mistakenly dismissed it. I've only had 2 sessions and the third time I went, the office was closed. No warning, no reason, no notice whatsoever. The nightmare had just begun.

This is regarding the Comenity Bank Virgin America Visa. I've been embarrassed and/or inconvenienced by having my card declined when making a purchase. This has happened when trying to use the card in a parking meter and in retail stores. In October 2015, I was trying to buy something in a clothing store when the card was declined. I my time was limited because my car was parked at a meter; having to call Comenity and wade through the security questions, etc. caused the parking meter to go overtime, and I incurred a $64 parking fine. They said the vendor was on a blocked category - this was a clothing retail store in West Hollywood, CA!

I applied for a Total Rewards Visa Credit Card through Comenity Bank. I applied for the card because I do go to the casinos and wanted to take advantage of the extra rewards that the card offered. After receiving the card, all the rewards that I was suppose to receive, I did not receive. I was given promotional codes for one free night stay any day of the week and when I called to use the promotion, I was advised that it was not true. I was told that I could only get a room from Sunday to Thursday. I was also told when I applied for the card that I would earn 10,000 reward point after spending $1,000 within the first 90 days and my tier status would change for the first year once I spent over $1,000. This did not take place and in fact I lodged a complaint to the casino and the bank.

This company has run 3 hard inquires on my credit report and 3 new accts from the same bank on my credit report. I only had this acct for 3 weeks and didn't receive any merchandise but they reported I did on my acct and credit report?? How can you report I owe something if I haven't received it? Also I returned my merchandise so won't be ordering from this credit company again. How do they have right to access my credit report?? Also their merchandise is low quality at outrageous prices. Stay away from Comenity bank and their predatory lending!! Frauds. Beware.

I have 3 credit cards from Comenity. After hitting some really hard times (hospitalized for dvt/pulmonary emboli) I called Comenity to work out a plan as I was unsure of any income until I could return to work. They were extremely rude and told me I needed to pay... period. They call my house 28 times a day beginning at 8am and going thru until 9pm. I try to sleep a lot so I can get healthy again but the calls just keep coming. When I ask for the calls to stop, they tell me it's an auto dialer and they have no control over it. I would disconnect my phone but my doctors and labs use my home #. I'm so upset that they can get away with this harassment.

All my accounts placed on Hold 3 days prior to my Vacation - Thank you for your quick action regarding the issues. I have spoken with several department representatives from your bank, too many to name all of them. The bottom line is the entire team worked together to resolve this issue and it is now resolved. I look forward to a long lasting Financial Relationship with your bank.

Comenity Bank Crate & Barrel credit card. Same as Dough reported earlier on this bank - no auto pay options on this credit card account, no emails, no post that I saw in my mailbox, no SMS for late fees. I had a phone call after missing couple of payments, approved my late fees over the phone and paid the balance in whole the next day. I agree with Dough, the Comenity Bank was designed to collect late fees and affect your credit reports.

Comenity Bank Lane Bryant store card. Without auto pay options on this store card account, I received no email (even though signed up) that I saw, I got no SMS for late fees. Had phone calls from a number I did not recognize and was not identified as Comenity or Lane Bryant (or I would have answered). They left no messages. Since I get constant calls from telemarketers I screen my calls. Ridiculous and fraudulent practices (designed to collect late fees and affect my credit report). Soon as I clear the card I will be canceling. I will also be doing away with any other Comenity accounts my wife has (Torrid).

My wife had a Maurices credit card opened in Colorado in 2014. We moved mid year to Las Vegas and changed our address with both the US Post Office and with ALL creditors directly. After 6 months of not hearing a word from this company, Comenity Bank got a hold of us by phone to indicate an overdue balance. I quickly went to check on it and sure enough there was a $10 charged balance on her card. Along with that there was a minimal but significant interest charge of $11, but what floored me was 6 months of assessed late fees at $35 per month. Now this $10 charge had risen to over $150. I was livid and firstly paid the $10 balance and even their finance charges of $11, but refused to give them any late fees. We went back and forth in email for two months while I ARGUED THE POINT OF HOW USURIOUS this practice was.

The dental procedures were done with three promotion time periods. One for $595.00 to be paid in full by 4/1/2016, second one $874.00 to be paid in full by 11/30/2016, third one $2628.00 to be paid in full by 3/31/2017. I have paid $373.00 so far and they have distributed the payments to all 3 plans. I called and spoke to a customer representative tonight and they will not apply the payments I have made to the plan that will expire on 4/1/16. They have only applied $75.00 toward that promotion. She told me I would have to $900.00 (3 $300.00 payments) in order for me to pay off the first promotion of $595.00! If the promotion is not paid off by 4/1/16 they will add $49.74 to my bill as accrued interest and continue adding interest on the first promotion until it is paid off.

I also a Comenity Bank credit card with HSN. I generally like to do auto pay so I don't have to remember mailing in my payment and worry about late payment. However CB doesn't have this option after I told them that other banks all already have this feature. Then unfortunately it did happen to me that few of my payments were late and it was a burden keeping this account so I decided to close this account. I didn't realize the account was not pay full and CB kept incurring late fees on my account without trying to reach out to me.

I owe Comenity Capital Bank 1,140.05 and I have been making small payments like 5.00 or 10.00 when I could because I'm not working full time. I'm looking for a full time job and I just graduated from college. I work part time 24 hours a week and barely make enough money to pay my rent other mandatory bills. Comenity Capital Bank has harassed me with calling everyday all day, writing threatening letters and sending threatening emails daily. I called them and explained my situation and they would not work with me on a payment I could afford until I could pay the debt down. Instead they wanted 91.00 or 500.00 and they want to send me to collection.

Well I have a marathon credit card. I use it to purchase gas at marathon gas stations. Recently I went to 2 gas stations in Kissimmee, FL and they have installed a skimmer on the gas pump. The crooks got away with $500 in fraud charges on my credit card. Fraud dept. at Comenity bank in Ohio was informed. They will close my account and send a new card. Do not ever deal with this bank, Circle K, Townstar Gas Stations. They have some crooks on the inside. The crooks that did this are drug dealers. Very top level crooks. Very organized. Well my life is ruined. I will have to do a bankruptcy over this. I will have to spend $1000s of dollars and 100s of hours of time fixing this. Thanks Comenity Bank/Marathon Gas.

12/14/2015 Express Next Brea Mall Brea Ca. The merchandising signs posted in the store were printed and exhibited as "Buy 1 Get 1* $xx.xx". The asterisk notating the discount would be on the lowest priced item (see photos). After check out, when querying the total amount of the transaction, I was then advised that the terms of the sale were "Buy one at highest retail price, and get one at the posted price", which was clearly NOT reflected on the sales poster, nor volunteered at the register before, during nor after the transaction, only when I asked to speak to "The store manager", only to have an individual represent himself as "The store manager" who was later identified as a "Floor manager" and I was not allowed to discuss the vast differences in pricing directly with the "store manager". A sensitive issue itself.

Recently, Ann Taylor stores and J Crew stores switched to Commenity. I paid my invoice for Ann Taylor online and received an email saying "your payment was processed". Now I get an invoice in the mail saying "we are charging you $25 late fee because we could not verify your bank info." Would they not call or email if there was a problem. Commenity looks like it just likes to charge late fees and I with a stellar credit rating do not want Commenity and I've cancelled my Ann Taylor card and will likely do the same with J. Crew. American Express is all too anxious to have you use their card as well as Mastercard and Visa. Also, if you try to call Commenity it is almost impossible to get a live person.

Applied for a card. Received a letter asking to call in. Was on hold for 10 minutes. During that time I came across this site. Having seen how horrible the company is I hung up. Thought having a Virgin Card and the mileage bonus would be good but realized the company is not good to deal with.

I've had and still have several credit cards with this company through various merchants. It's nearly impossible to get them to close an account. Even after you've paid off your balance and have sent them written notice that you want to cancel the account, they continue to bill you and ignore your request. I went through this a few months ago. Every time I'd pay the balance off, they'd find something to charge me for and kept billing me. And they're doing this again on another card. I paid off my balance in full according to their statement last month, paid on time, and sent notice that I wanted to cancel the card immediately. I also wrote: "Paid in Full" on the check.

I have the Comenity El Dorado card and it was the worse I have done. They only exist to charge interest and the telephone agents only know how to say NO, they don't help you nothing. I was paying the minimum because a promotion and then they after one year charged me the interest of the total amount. AVOID THIS BANK.

This is a ridiculous bank to do business with. They've asked me for my personal information a couple of dozen times. All I want to do is pay my bill in full and cancel the store card (Peebles) I foolishly got. I would have paid online but again, they want a lot of personal information that I never have to give to any other bank or store. I don't understand why they keep asking for the same information. Trying to contact them is also a hassle.

I have several of these cards, and send in the same envelope. However three payments now they have charged a late fee, when it's due the 11th and I send it the 5th. How can this be late? So I have been keeping track, and I send them all in same envelope. Well one of the cards didn't get a late fee but the others did in same envelope... all same dates due payment! Wth. I am calling Monday. I have 8 of these cards, and each one a late fee for three payment period. Oh heck no. This is a huge scam.

Having never heard of this bank and because I have no credit cards - just my debit cards - apparently I threw away bills from Comenity Bank for a couple of months until I got suspicious, because I was seeing this "junk mail" every month. So I opened one and found a bill for a clothing outlet that I had actually purchased from early in the summer. I only pay with debit and have no other cards. According to my PayPal records it appears that I paid with my debit and now am asked to pay again for same items. In my attempt to figure this out, I decided to just pay it since it was for a $58 purchase (and was now up way over $100 with interest and fees). I was not allowed to pay it in full. That's so outrageous, it should be illegal.

I applied for a credit card with Virgin America Visa because of a promotion online when I was purchasing an airline ticket. First, Virgin did not state anywhere that there were annual fees associated with the credit card - and after a few short months there were fraudulent charges showing up on my account. I closed the account and opened a new one. Again, fraudulent activity almost immediately. That was SEVEN months ago - and I am still sitting on the phone on hold today waiting for someone at Comenity to deal with continued issues. Another charge showed up on my bank statement from the bank that they cannot explain. Unbelievable. Beware of this bank.

Comenity Bank has called me 6 times from the hours of 9am-12pm today. Today is also a Sunday. That's twice an hour! I had to download an application to block their calls. I have no problem with them calling me once a day because I understand that I am late on my payments. They also sent letters to an address that I am no longer located at, and have advised them several times that I am no longer located at. I owe less than $500 to them, and they act like I'm cheating them out of thousands. Their harassment is out of control.

The first time that I complained to Comenity Bank, I received a very nasty letter from them. They are not professional. The problem that I have with Comenity is that the interest charges at 24% are excessive, which means that if I make the minimum payment, it goes to the interest and not the actual balance. I fell behind on my payments, and they keep charging me money, but refuse to release my account to a collection agency so I can at least make payments without being charged interest. I have 3 credit cards with Comenity Bank, and I WISH I HAD NEVER SIGNED UP WITH COMENITY BANK. They call all day, everyday asking for a payment that I don't have. In one day, they called 18 times! I would like to tell people to avoid this bank.... no matter what.

Comenity Bank for Crate & Barrel credit card have been charging me late payment fees for each payment scheduled for "due date". There are 3 options you can pick on their scheduled payment page: 1 -"date of tomorrow", 2 - "due date", 3 - "another date". Selecting "due date" should prevent late payment fee. That is not applied on Comenity bank, the payment takes 3 business days to be posted on your account, which occurs late payment fees every month up to $150 a year. However, you can read on the scheduled payment page: "If you selected today's date and you submit the online payment before 6 PM EDT, it will post to your Account today." In legal terms, this means your payment always posts the same day, so if you selected "due date", your payment would post on your account the same day. There are no possible late fees to be charged.

I signed up for an Overstock.com card so that I could purchase a PS4 with NO interest for a year. Numerous times when trying to access my account, their website has timed out and I haven't been able to access it. I was charged a $31 late fee for being a day late because I couldn't get into my account. I can't wait to cancel this card.

I was shopping on the Modell's website today and upon checkout, I received an offer for the Modell's VIP Visa Credit Card. I saved the screenshot which pre-approved me for the Visa card. I read the pages and pages of jargon that came with the offer and nowhere could I find information regarding them changing the terms of card type.

I recently lost card. Called in to get a replacement card. They because I was late on paying my credit, that I would not replace even though my due date is not until 8/13/2015. So any charges that are on there will be disputed with my congressmen, governor, attorney general. I have had a number of credit cards and never treated so badly.

I receive harassing phone calls 5 times a day from these people. They are calling for my daughter who no longer lives with us. They have been told that she no longer lives with us, and they have been told to stop calling, yet they continue to call everyday up to 5 times a day. This is blatant harassment! They have numerous lawsuits against them, yet they continue to harass people? These people need to be put out of business permanently.

I had an account with One Stop Plus women's wear for more than four years, never been late on a payment. Then I received a letter from World Financial Network National Bank telling me that One Stop Plus is no longer the creditor on my account. It had changed to Full Beauty which was taken over by Comenity Bank.

As a store, I love Meijers. They've been 'my' store for over 50 years. Here's my complaint - they have one nasty as heck bank servicing their charge accounts and while they don't run that bank (Comenity), it reflects back at Meijer for picking Comenity to be associated with Meijer. My deceased uncle had such an account. On January 4th of this year, he moved himself from an apartment in Howard City to the Veterans Facility on Monroe in G.R. The last payment he made to Comenity ($20.30), cleared his account on Jan. 13th. He passed away on March 30th. As of June 25th, Comenity shows a balance due of $233.03 which I assume is mainly fees because he only left the Vets Facility twice since arriving there - both times were trips to the E.R. Comenity will do nothing over the phone.

I have two cards with Comenity Bank. Both cards asked me and qualified me for a $250.00 line of credit at Lane Bryant and Herberger's to get a discount on my purchases. At the beginning, I made numerous payments on these accounts only owing less than $50.00 buck on each card. Paid before time, no problems. When I was off from work due to a medical emergency and surgery, I discovered they added outrageous charges, late fees and other fees. I called and closed the accounts. When I owed less than $80.00 I paid $20.00 buck on it and the rep said, "you need to pay more". Then he gave me a total over $100.00. I asked for what happen, and he went on through a script of lies. I just got my credit back right so I can buy me a car for my birthday, so I kept paying. Every time I paid, the balance was getting higher. So as it stands I have paid more than $800.00 to catch up because they are adding more and more fees.

When Comenity took over my credit card from Barclaycards, I had no idea how awful they would be. I run a small business and sometimes need to pay large amounts to my vendors. Even though I have thousands of dollars available in credit, Comenity will only let me charge $4,500 per day. They asked me if I could just break the bill up into smaller amounts and pay every 24 hours. How ridiculous! I told them to just forget it, I would use my Bank of America or Capital One card instead.

First of all, I rarely shop. However, when I do buy clothes, my favorite store is J.Jill. We have extremely good credit and are never late paying bills. Back in December and January, I purchased a few items, and made three monthly online payments on time - all of which were returned to my bank. Unfortunately, two things happened. First, my bank didn't notify us until the third check was returned - and we did not notice it on our statements (our fault!) - according to the bank letter, the "Biller Refused Payment" - we did wonder why our payments didn't show up on the new statements, but my husband kept paying the bills, which at this point started including hefty late fees and penalties.

We have 30 online accounts, including: personal, financial, health insurance, credit, business and non-profit. We get regular notices when statements are available; all revolving credit accounts, except those handled by Comenity Bank Two, that are now cancelled, use Comenity Bank to handle their credit card business. From the start Comenity Bank's email notices were cryptic, making them look like spam. They have changed email addresses without notice, causing notices to go to our spam folder. Oddly, they will not send a zero balance electronic statement, even if there was a payment during the period; they tell me (by phone) "We can send you a paper statement". So you can't rely on a statement every month to ensure no payment is missed; you can't rely on Comenity Bank to send an email that goes in your email folder; and email in your spam folder doesn't always look like a notice regarding BonTon, or even Comenity Bank.

I have purchased $1700 furniture items from Gardner White on 2012. I have opted 0% apr payment for this purchase and was making all my minimum payments without any interruption or delay. The financial plan ended on 03/2014 and I have received statement in March saying next payment due on 4/2014 (2 weeks later) and showing minimum payment as $25.00. There was nowhere in the statement page (page with pay stub) showing penalty details or even plan end date!

First off, they are NOT a bank. I know because I went to the Federal Reserve Board. My favorite stores switched their store credit cards over to them and the complications that ensued were torturous. The final straw is JCrew, and we are now no longer customers of that store because of this Comenity insanity. Basically, my son purchased a $78 sweater in October 2014, while I was in the middle of moving, changing addresses, mail forwarding and all that. By the time I got the bill with the late charges, I paid it on 1/1/15 and that $78 then cost us $104.71. Nope, not enough. They now call me every two weeks to demand more money. Their bills arrive in my mailbox 10 days after statement closing dates and then they want to be paid in 10 days. They are now threatening me with reporting me to a credit bureau. Think I can ruin their credit?

I've had the pleasure of having several accounts with this bank until, last year when I was approved for an account with a store. So I placed an order like today, received the card a few days later, then get a letter right after the card stating that the account was being closed but I was still responsible for the bill. Ok, no problem. Well I received my merchandise finally, loved it, etc... Well payment time came so I tried to log into my account but couldn't so. Didn't know what to do so I finally found Comenity bank's number the next day which caused me to be late. Well I explained what had happened and I was told sorry for any inconvenience and don't worry about the late fee. She was waiving it. I thanked her and made a payment on the account.

Look I don't know nothing about this bank, but they got me owning them money. They said something about a credit card, man I have never had nothing but one credit card in my life. This is not cool and I'm not the only one they have done this to. I still would not know about this if I would have not looked at my credit report. This is bad business but I will be calling them about this tomorrow.

This bank was the 1st of a few that contributed to my identity being stolen. They issued credit to someone who used an address I lived at over 3 yrs ago, which if they would have actually did research would've seen that immediately. I've sent the fraud documents to them 2 times, however I'm still, to the day, receiving anywhere from 2 to 20 calls a day. Harassing me for payment for an account that is fraudulent is ridiculous, I don't think they want to admit they screwed up and eat the loss. I've stop answering the calls and going to report to FTC every time they attempt to reach me.

Company FINALLY was contacted by the Better Business Bureau. At that point, they re-evaluated my documentation which they should have done in he first place and at that point determined that my documents were in fact valid and they resolved my issue so I wish to withdraw my complaint against the company.

I am currently in a dispute with Comenity Bank. I purchased a gift at Christmas ($28) and made the mistake of putting it on my rarely used Victoria Secret card. While I paid it off in full, it was apparently a few days late. Then over the next 5-6 months they claim I was mailed a bill with accumulating late fees and revolving fees. When I finally found the Victoria Secret bill, it was in a hot pink envelope... appeared like advertisement to me! They state I owe them over $190 in late fees and penalties because I paid my $28 bill late! I have written a letter with a $35 check for a ONE TIME late fee, because that is supposedly how many times I was late paying on an actual purchase, and sent it certified. I would enjoy nothing more than to join in on a lawsuit against these bottom dwellers! Charging a late fee for a late fee should be illegal. It's not as if the amount charged for merchandise was never paid to them! Yet, they have harassed me for weeks, calling repeatedly at all times of the day or night. I just block the number. Again, I’D love to file any sort of group complaint or lawsuit against these bullies!

I thought I had paid off my rather small account with my Lane Bryant credit card (about $80) in July 2013, but they added a late fee and before I knew it, they were adding late fees onto more late fees. So even though my original purchase price was paid off, somehow I now owed over $200 just in compounding late fees. I called to complain, and the person on the phone agreed to cut that in half if I paid half of it then. I did so. (Because of their report to credit bureaus, my credit score crashed and I couldn't buy a home.) After this, due to their poor credibility, I double checked my account on-line to make sure they weren't adding more late fees, and guess what--they now said I owed 84 cents even though my account was paid off. I have no idea where that 84 cents came from, but I'm sure if I hadn't logged on and paid it, late fees would have started adding up again!

I have store cards with both Avenue (for nearly 10 years) and now Dress Barn. The story actually starts when I opened the accounts and realized how they push the store employees (probably dangle a carrot in front of them of some pathetic commission) to get you to open the account. After what happened to me yesterday, I did think back about 4 years ago and remembered one time when they called me about a past due bill that I had never received. They told me that apparently I had signed up for my statements to be paperless (aka sent to me via e-mail). Now, I would never ever, even in my worst frame of mind, ever sign up for my statements to be paperless. I want that bill physically in my hand every single month. I told them over the phone that I never agreed to this and to change it so that I get my statements in the mail every month. I then paid off my balance and never gave it a second thought until now.

I made the mistake of signing up for a Pier One credit card in the store for a lousy discount. Four weeks later, I began receiving incessant phone calls from World Financial Bank claiming I was past due on my bill. I explained that I had not received the credit card and had not received a bill, and it turned out that they sent it to the wrong address. They used an address in their credit system rather than the one I gave them.

I recently had gotten offers for credit card accounts when placing online orders, and was happy to accept them. Each site I went to, under this bank, offered me credit. I may have taken too many offers but I was excited they were offering me credit. After a while, I had to start answering security questions and I didn't mind but they keep on asking me security questions about a person I don't know and an address that means nothing to me. I answered truthfully and they said I wasn't telling the truth and I may be committing fraud, so they closed all my accounts and I had to send them proof of who I was - picture ID, social security and a utility bill.

I received a letter today stating that my MetroStyle credit card has been suspended pending completion of their investigation of potential security concerns and/or irregular credit card transactions. I am supposed to call 1-800-888-1726 to discuss my credit card account. If I don't contact them in 30 days, my account will be permanently closed. This sounds very suspicious because until today I have never heard of World Financial Network Bank or the MetroStyle credit card. I do not nor have I ever had that credit card or done business with that bank.

World Financial Bank keeps calling me at work even after I have told them to not call me. They constantly call at least 20 times or more a day (back to back). I am currently working with a debt management firm and have told them that, but they keep calling. I don't know what to do.

World Financial Network and Express Clothing - I tried to pay an account (Express cloth) on line, not an option on expressclothing.com. I tried to pay in person at store with bill. They would not accept payment because I didn't have my driver’s license. I was hospitalized and lost my job. Calls started from WFNN, 3-4 times daily, have now reached 20 or more a day! The purchase I charged at Express was $36. The amount owed with late fees and finance charges is $260! Purchase was 9/21/11.

I have a credit card through Catherine's. I pay my credit card usually more than the minimum amount due. However, 3 months ago, the company that I work for changed the days we were paid. I notified my bank, I have direct deposit. However, my check did not go into my account. I was able to track my deposit down however, it took a few weeks. I notified Catherine's that my payment would be late.

I have received a call every 4 hours every day from World Financial Network Bank. The phone numbers they are using are: 303 255 5347, 610 295 5284, 814 414 0782 and 913 677 8319. The big problem is, I am 12 years old. My mother has called so many times to get my cell number off their system but they won't stop calling! What do we do about this? My mom has said she thinks she needs an attorney to press harassment charges. Can anyone help?

I signed up for Marathon Visa card with World Financial Network Bank. They advertise a very aggressive rewards program. Up to $0.25 per gallon, if you spend over $1,000 per month. They do not post your rewards balance on your statement. When I called to check on why rebates are not posted on statement, they said they were going to correct that, but when I asked my rebate balance, it was about 1/20th of what it should be. They said I was using it for commercial use, but could not provide proof of that.

I paid my bill in full with WFNNB (Goody's Family Clothing) at the beginning of the year. Shortly after I did I receive a statement through the mail that I overpaid and I was entitled a refund of $100 plus. I never received my refund; instead I started receiving collection calls every 30 minutes stating I owed $349. I have told them several times I paid and was due the refund. They also continued to call my home phone number and I have asked several times for them to stop calling my home number. They refused. I need help.

I received paperwork in the mail which asked me to respond. When I called the first time, they pretended not to hear me. When I called back, I was disconnected. When I called for the third time, they asked me for my social security number. The reason for this paperwork they said is that if I do not contact them, they will release personal information that will include my social security number and income, account balances and payment history, and my credit history.

The WFNB is used by many retailers and other organizations for the purpose of handling billing and other financial services--in this case, Peebles, a department store in Chestertown, MD.

World Financial National Network Bank provides credit services to customers of Z Gallerie Furniture among other retailers. A purchase from Z Gallerie placed on credit through them with WFNNB was paid monthly on a regular basis until it should be paid off based on our calculations. Some small amount, as I recall, between $10.00 and $20.00, was said to be outstanding.

I am disgusted beyond belief with this company and the way they treat their customers. My headache began with not paying my bill last month. Now this past week, I have been receiving calls every day all week at 8 am. It's like they get to work and start the harassment. My account is not in collections. I intend on making a payment, but the more they call, the less I want to deal with them. Their customer service is absolutely lousy. They are all Indians, not American citizens from what I find. They lecture me about cursing, but then they want to harass me at 8 am every single day for something which really is no big deal. I have spent an hour today trying to explain to them this situation, but obviously, I am not dealing with very intelligent or bright people.

I'm writing in hopes that you will help me to solve my dispute with the World Financial Network National Bank. In August 2009, I was billed twice for the same purchases in the amount of $78.40. One of the statement belonged to the above noted credit card account **, which was never used to pay for those purchases. Moreover, the items were completely and timely returned to the store. I continuously, everyday, morning and evening, receive telephone calls harassing my family as well as statements demanding payments. I've sent numerous letters and tried to call to explain the situation but to no avail. I have a grandson who is very sick. He does not sleep because of those morning and late evening calls that wakes him up. I, myself, am already emotionally destroyed. Every call and mail delivery from the bank affects my heart. Moreover, they spoiled my credit history, which was excellent before they started billing me for the money I do not owe.

WFNNB has placed 2 unauthorized and unlawful credit inquires on my credit report. I have made numerous attempts to have WFNNB removed the unlawful credit inquires and they have made no attempt to do so. I have contacted them via telephone several times and I sent them a certified notarized letter on 4/8/2010, asking them to remove the inquires. I have received no information about this from them and they have made no attempt to contact me. I am unable to get anyone on the phone that is willing to help me. The inquiries are still on my credit report. These unlawful inquiries are lowering my credit score and I am less likely to be able to receive credit from new companies due to these inquires.

I have a Metro-Style Credit Card that owned by World Financial Network National Bank (WFNNB) they are demanding card holders to pay a processing fee if they do not go paperless. I do not always have access to a computer and if I don't get a hard copy bill I'm subject to forget to pay. I am disable I asked the bank to wavier the processing fee and they said no. this is unfair consumer practice. Can anything be done about this?

I'd like to find out if it is legal for a credit company to now begin to add a charge for paper statements. Blaming the fee on the recently passed law that necessitates a longer 2-page statement, WFNNB says "register for paperless" or pay the fine. As if they couldn't take any increase costs out of the interest that they collect at the present time! I will now have to pay $1 every month for any store credit card that's been issued by WFNNB, because I don't own a personal computer.

A telephone internet rep tried to force her services on me, telling me she was trying to "help me." She began screaming into the phone very loudly at a very high octave, and she kept cutting me off. And she never did do anything that she asserted. She was very angry and raging, and her energy caused me a headache.

I am getting notices about accounts with Woman Within, Blair and other companies that they own that they are going to start charging $1 per month for sending out paper statements for their bills. If you don't have a computer or don't want your bills sent online, your account will be charged $1 extra/month. People should be made aware of this change. I will have to make a point to check my e-mail more often. I don't get online every day as I am very busy raising my family.

I made a purchase with dressbarn an affilate of World Financial Network National Bank on 07-18-2008 for the amount of 26.00. The company elects to send there invoice electronically via email. I did not receive an invoice via my email until 09-24-2008. The invoice stated that I was 2 months deliquent on this account. When I received this statement I could not believe that this account was 2 months deliquent. I have always paid this account as soon as I got the bill and never made installments payments, I have always paid this account in full. When I called and explain my problem to the customer service office thay explained to me they could only take one late payment off.

I purchased an item from Friedman's Jewelry including the purchase of a lifetime warranty on the item. I used my Friedman's credit card. I received a letter from World Financial Network National Bank advising me to destroy all Friedman's Jewelry credit cards I have. The item I purchased is broken and I have contacted customer service at World Financial Network National Bank discussing that the credit card is to be destroyed and I have a lifetime warranty on this item purchased. I was given a customer service phone number by World Financial Network National Bank to reach Friedman's warranty.

helping with hardship has not been true. I was told that my late fee could not be removed I was told today that a collection rep could have removed the late fees. This bank needs to have an audit regarding helping customer who are behind. the bank has charge me close to $261.00- $285.00 in fees. What was the purpose of me giving them my bank account number to post date payments? This has been going on since Dec of 2007. I had death in the family. I called them to let them know. I tried also to use my credit insurance and they cancelled me.

The end of October of 2007, I applied online at Chadwick Of Boston for Credit Card since I spend about $200-500.00 on online purchases and was recommended by one of their representative to do so as well. So I applied for the credit card which is provided by World Financial Network National Bank; then I received a rejection letter dated November 8, 2007 that I was rejected due to having poor credit performance with Lane Bryant. I never had a account with them. On November 16th, I responded to this letter stating that there must be a mistake and asked them to take another look at my application. As the same time I asked for my three credit reports, and there is nothing on my three credit reports stating that I had ever had an account with Lane Bryant.

I purchase a dress for my daughter on 1/19/2007 at Ann Taylor San Francisco Store. After discount and 10% credit for opening a charge account the price reduced to $92.26. I paid the entire balance on 2/14/2007. On May 2007, I received a letter from Ann Taylor Card Holder Service, stated that When we checked our records for your Ann Taylor account, we found that we made a mistake, we credit your account with another customer's payment of $52.26. To Fix the mistake, we added $52.26 back to your account balance. The correct amount you owe us will be on your nxt billing statement.

I made a purchase on this card in May, they failed to send me a bill by mail or email for over 5 months or any contact for that matter. I was charged over $100 in late fees and interest because THEY FAILED to live up to there end.

On march 28,2007 i attempted to pay a parcial payment on my newport news account . they informed me that my account was under bankruptcy chapter7 . however, i never filed a bankruptcy . i asked when this had come about they told me they recieved a court order on march 2, 2007 .i asked for a docket number , where &what court this was issued from and no one was willing to cooperate , they told me that it was ''irrelivant''.

This is a credit card account I got tricked into at Victoria's Secret. The Angel card was supposed to be a membership for special offers and coupons and such. I gave them my VISA card but they started this charge account and charged the $33.00 purchase to the Angel Card. By the time I received a bill, it had a finance charge already. I called customer service to dispute the finance charge, they refused to do anything about it.

Jan 2003 I order merchandise from Chadwick's of Boston. Merchandise was received. I go about my life. May 2003 my tenant gives me a stack of envelopes from Lerner's. I haven't bought anything from Lerners in over 10 years, so I tear open the envelopes and learn that my Chadwick's purchase has been billed by Lerners, payment is long past due, there are over $100.00 in late fees and my credit rating is being threatened.

My wife and I purchased two new chairs from Kanes Furniture using their twelve months interest free financing. We never reieived a bill or our credit cards and just assumed they would send us a bill after twelve months. After a year or so we tried to remember which month we purchased the chairs. Soon thereafter we applied for a credit card and were denied due to delinquent credit payments. We knew this was not true and couldnt figure out why this was.

I have a caredit card with this company. In January the payment went past due. I received a phone call at my work from the company. I cannot receive phone calls at work unless it is in the event of an emergency. I told this to the caller and they said that they can call me at work and they will call me at work. Then on March 5th I received another phone call from this company at my work and again I told them I cannot receive calls at this number.