Comenity Bank is trying to extort money from me. I had a Pier One Credit Card that I did not realize had a small balance. Comenity over took Pier One's previous bank credit card service, and no one called me about my balance for months. They called me after about 5 months. (My balance was $20 originally) and told me I owed $100. and change. I refused to pay all of the late charges and they said they would wave those. I paid my balance and some interest. I felt like I was dealt with fairly, and was happy. But closed my account anyway, because I don't use it that often, and I did not like how they never contacted me about the balance before letting it go for 5 months.
Approximately two months later, I received another phone call saying I had a balance. They had never cleared the late charges, and told me I owed them again. I insisted that the previous person and I had made arrangements and I had paid in full, and that those charges were to be erased from my record. As well as having any poor credit reporting wiped off my account as well. They agreed on the mistake, and said they would take care of it.
I started receiving harassing phone calls, three times a day from them again, and I did not answer because my account was paid in full, and closed and I figured they had no reason to call me. I was getting so sick of the phone ringing from them, I answered and they said I had a balance AGAIN. By this time I was completely livid and can't believe they are trying to extort money out of me again. I am sure some poor innocent person would just keep paying them anytime they say there is a late fee, but not me. I told them I would not be paying and that they needed to correct the problem immediately or I would take legal action. I got the associates name and number this time, and I am so sick of them I could scream. I have never worked with a more horrible credit card company! I will never use them again, and if they call me again, they will most definitely have a legal issue on their hands. Watch out for Comenity. They are going to RIP YOU OFF!