COMMENITY BANK Pier One Credit Card Company Comenity Bank is Trying to Extort Money from me. Columbus, Ohio

Really you know someone's situation, what a p***k you are.

Apparently, other people are having problems with Comenity Bank's erroneous charges, such as late charges that were invisible.   I am fearful after cancelling my account & card TODAY that they will not follow through because of a verbal transaction over the phone and I will be bothered in the future for charges that I did not incur.

Therefore, I have to document everything in writing to the appropriate person to try and get some justice here.  I also have to check my credit which is normally excellent (over 760) to see if they changed it for the worse by reporting untrue statements. 

I've always paid my bills on time which is one reason for having excellent credit.  I continued doing so with a Pier One Credit card issued by one bank and then transferred over to Comenity bank at some point showing that I had two accounts open on my credit report which is in error.  They just never bothered to delete my old account.

The maximum balance I ever had at Pier One was for $225.  I paid the minimum amount of $25 until I got my last bill of $31.  But then there was this $94 charge that I knew nothing about.  I called and they told me it was for accrued late fees.  In looking at my bank statements, it is obvious that I paid $25 every month with no lapses the day I got the bill.  How does one accrue a late charge for $225 total of $94???  Nothing theys aid makes sense and I believe they are either inefficient or purposely find ways to rip consumers off.

I agree that Comenity Bank is a rip off.  I had them through Value City and they not only jacked up my interest on a monthly basis, they constantly changed my due dates, the amounts due and never credited me two different amounts that they owed me for overpayment and for Identity Protection.  Now they are leaving Value City and hopefully other companies will get the same idea...don't deal with Comenity Bank.  As far as Jim from Orlando...it seems you are either a bully or you work for the bank.  Why attack the person that had a really horribly experience with said bank through her Pier One card?  Seriously.

First of all JIM, my late balance was because Pier One switched from the bank they were using TO Commenity. They didn't send me statements AT ALL. So, I couldn't "check my statements" I couldn't even log into their system at all! So, no, it was no "My fault" and second of all, after clearing my account and PAYING IN FULL, I continued to receive calls about a balance I DID NOT OWE. It would be great if you could read. 

First you have a balance and let it go for months at a time because even though it is YOUR account, YOU don't even bother reading YOUR OWN statement. Then they tell you some months later YOU have another balance which YOU never caught because STILL you don't read your statements. And its all their fault, right? Please...get some professional help.