Comenity Bank Comenity Bank Retail Comenity Store Card Had zero balance on card, was charged for something without knowing and they took 4 months to tell me I owed $19 for the thing I did not charge. AFTER reporting me to the credit bureau. Wilmington Delaware

I have never been a fan of Comenity Bank.  They are not a good lender and they are predators.  I had a store card for many years with Comenity.  Always paid on time, not one late payment.  In August 2020 I paid off the $1800 balance and had a $0 balance.   The store charged $19 to my credit card without me knowing – for some sort of “club” in November 2020.  I did not receive an email from Comenity that my statement was ready (which I have in the past when it had a balance) and had no reason to even look at that card since I literally just paid it in full.

In March 2021 I get call from an unidentified phone number on my work line (late at night).  No message.  I google the number to see it is Comenity.  I then log into all my store credit card accounts to see why they might be calling me.  Well by then they had reported me as 60 days late to all 3 credit bureaus and the $19 charge became $77.  I disputed this with them and was ignored.  I went to the BBB and the CFC, contacted Comenity to explain what happened and begged them to remove the negative items from my credit report since it plummeted 128 points. 

No lender would let a customer go 4 months without paying before contacting them.  Not one.  They also would not call from an anonymous number and not leave a message and consider that notifying the customer. 

Comenity clearly did this on purpose.  They could have easily mitigated their damages and mine by simply calling and leaving a message or sending an email that my account needs attention.  Only a bank who purposely wants to charge excessive fees and ruin their customer’s credit would do this.    

I disputed the negative items on my credit report and was denied.  They say the charge is valid and to talk to the store.  That was the advice I got in April 2021 for a charge made in November 2020. 

Comenity has the power to help me and isn’t.   There would be no reason someone would pay off a card two months earlier, then charge $19 and never pay it.  It is clear that I did not know, I wasn’t alerted and by the time I was the damage that will impact me for 10 years has already happened. 

I paid the $77 and asked them to close my account.  I guess they got the last laugh here, but I’m not done with them for sure.  This could not possibly be legal and certainly is not ethical.