Comenity Bank Woman Within Credit card imposed late fee and refused explanationfor doing this, Columbus OH

Returned large order to Woman Within before end of billing cycle for that month. Comenity started adding a Late Fee charge with the next month's billing and when contacted, sent me a form letter informing that they would investigate which would take up to three months.This is an electronic record of my account and bank advised that charge would continue to accrue interest. My history with this bank has been to maintain a zero balance for several years: invoice in/payment in full out.

A second letter sent after second month of the "investigation" again asking for explanation. Response was another copy of same form letter launching an investigation. Meanwhile, I called the vendor and found that vendor had made error in  failing to report one of the items that had been returned. Vendor was to notify Comenity Bank.

Next responses came from three credit reporting agencies all of whom informed me of a adverse action on my credit and a drop in my score from the 800 level. Again, contacted Comenity, again no explanation. Following month, another drop now into the 660 level of credit scoring.

After at least 5 transfers, I spoke with a "Payment Solution Team" member at Comenity and my $23.00 original late fee had blossomed to above $100.00. To pull the plug on the greed, I agreed to pay $29.59 on January 20,2022.

To this date(June 16,2022) Comenity has 1. Not notified credit agencies of resolution, 2. Not sent me a zero balance invoice, 3. imposed the "adverse action" to stay alive on my credit reports for 7 years. All for a charge Comenity Bank imposed that though not warranted, became fraudulent by the bank's failure to act ethically, honestly and appropriately.