Comenity Bank/ Gander Mountain Doing business as the store credit card company for Gander Mountain sporting goods They promise "no interest" based on certain terms. Adhere to the terms and they still charge interest. Columbus Ohio

I got my monthly statement in the mail for a Gander Mountain Credit Card. I followed the terms that were outlined carefully to get no interest for 6 months on one item, no interest for 9 months on several items, and no interest for 12 months on another item. the first month went off without a hitch. The second month's statement arrived and they tried to charge me interest. I called to dispte the charges and a disinterested customer service rep said she would file the complaint and do interest would be due on the dispted claim in the interim. I was not satisfied with this answer so I went back to the Gander Mountain store in Merrillville, Indiana wher I'd bought several guns and had a clerk go over the terms for interest free periods with me again just to be sure I was clear and to also get him on a recording laying out the terms as they were explained to me. I asked to speak to a manager.

A manager spoke with me and explained that whatever results were reached by Comenity Bank was their decision and had nothing to do with Gander Mountain. I explained to her that I never even wanted a credit card. I just came in to buy a gun and the salesperson offered to apply instantly for one and the interest free period that goes along with it. That is why I had one. I also explained that the credit card has Gander Mountain's name and logo all over the front of it, I got it at a Gander Mountain store, and I was encouraged to get one by a Gander Mountain representative wearing a Gander Mountain polo shirt and name tag behind the Gander Mountain gun counter. This same company representative also spelled out the terms of the credit card. She offered to help at this point.

I recorded the manager agreeing with me that all the terms were met for the promotional zero interest time period and even pointed out the zero interest banner at the top of the monthly statement. She called Comenity Bank customer service and said she saw all monthly statements, all receipts for payments that were verified by the following months' statements, and the interest charge should be taken off. 

After a lengthy hold, the customer service rep came back online and agreed to take all the interest charges off. 

This bank is pulling this stunt during the middle of the christmas season when most people just run up charges to get by until January. I caught it and called them on it. If they are trying this with me then they are trying to get over on a lot of other people too.