Comenity review: Harassment and lack of information 12

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800.888.1726

To Whom it May Concern:

On 06.June.2014, a voicemail message was left on my mobile phone by a Mr. Callaway from Ohio (he would not provide his first name although I was forced to disclose ALL of my personal information (including my full Social Security number, which I was EXTREMELY hesitant about, but did so because he was threatening and I was frightened). I did not check my voicemail until around midnight of last night, 16.June.2014. However, I returned his phone call around 2:00 or 3:00pm today, Tuesday 17.June.2014. During the conversation, Mr. Callaway was rude, overbearing, disrespectful, discourteous, and all-around threatening and insolent.

Mr. Callaway made no mention in the voicemail as to the nature of his call. I called him to ask what his call was regarding. Immediately, he began treating me as a thief, running up a charge of five-hundred dollars then failing to pay the balance. Without giving me any chance to explain that I had been in the hospital and quite ill, not to mention, I had never even heard of the bank, he immediately launched into threats of attorneys and the like. I was taken completely off-guard by the entire conversation regarding the entire situation. Has this man never been informed of credit card fraud?

Instead of treating me respectfully, as I am the victim of this insidious crime, I was treated as a suspect. In retrospect, I realize I should not have provided him with any of my personal information (ie my SS number). I was, however, frightened and had never experienced this before.

Now, I must undergo a fraud investigation in order to absolve my name.

A cursory search on Google revealed that quite literally THOUSANDS of others have filed complaints of fraud against Comenity. I was always taught that in the USA, people were innocent until proven guilty. i am innocent, and yet, I was berated as a criminal would be when this man had zero proof that I had done anything — which I absolutely did not. he had me in tears by the time the conversation was over. This man's behavior was despicable, to say the least. When I attempted to speak, Mr. Callaway began to speak over me (this continued to be the case) and when I said, "sir, I am now speaking", he became (more) agitated and said he was "going to proceed with case". Meaning: he was threatening me with lawyers.
This entire issue is so ridiculous, I am incredulous. This company should be investigated.

Apologies for the long post, yet, it is to let people know to stay away — far, far away — from this deplorable Bank and the credit cards it issues (Pottery Barn, Dress Barn, Victoria's Secret, Express, and so forth). Please do your homework, or better, stay away from store credit cards issued by the unethical Comenity Capital Bank.

AnxietyNJ 20th May, 2018

Due to various reasons, a rel and other fees. ative stealing my debit card and taking 1-1/2 months of my fixed income, my bank of 15 years fraud dept credited my checking with all of his transactions. I asked if I could pay the overdue bills with it and was told yes. Two months later to my surprise, the bank debited all credits by keeping my Social Security check. They said my acct. was over drawn, of course. Due to all the credits reversed and deciding it was my fault. I told them from the start I authorized the first transaction, not the next (15). I also believe it is against the law for a bank to keep a direct deposit Social Security check. I am in my late 60's, have lived alone for (10) years and this meager amount I receive is my only source of income. Of course, it was like a snow ball affect re creditors. Late fees, double, triple bills. When I tried to pay the bills it did not go on the principal, the amounts due kept increasing with late fees, interest, etc. I called Comenity from the beginning, as well as all my creditors and others. Explained the situation, as if they looked back, up to that point, my bills were always paid and I had credit. I filed a police report as it was criminal and a felony. I offered all a copy of the Police Report, copies from the fraud dept at the bank, even a copy of a reward letter, showing my income amount. Then the letters started. Now for weeks I am getting calls from Comenity, with so many different phone numbers, even one being "Spam? Comenity [protected]", then they have "Spam? Washington XXX...". They begin calling 8 AM, everyday, all day until the night. Today is Sunday, from different numbers, so far I have received between 8AM and 11:15 AM (5) calls using different numbers including Spam? Washington and recordings. There has been days where I had to turn my phone off. I could not take it and my small dog, who never howled, sat by the phone and would howl. I believe this is beyond harassment and also against the law for the bank to keep my Social Security check. However, I don't know where to report them.

I am currently getting these harrassing robo calls from Comenity Bank 3-5x per day. They keep changing numbers after I block the calls. I reported them as harassing calls to the FCC. I am now calling the BBB. My carrier told me about a website nomorobo.com. I am trying to set that up now.