Comenity Bank Blood sucking bank Columbus Internet, OH

their responsibility to call me.  Read the report.  What I objected to was their purposefully waiting 60 days, helping themselves to two late charges - each of which was more than the cost of the original purchase. Then and only then did I receive a call notifying me of the oversight. Good timing.....for them!

It appears that a number of ripoff report commenters don't carefully read the reports.  How do these "random" commenters find the time to seek out complaints and vigorously defend the actions of big corporations, like Comenity Bank, that routinely skim billions and billions of $$ from consumers in the form of outsized fees and penalties?  Paid to do this perhaps?

Apparently these self-righteous paragons of financial virtue have never had a very small transaction slip through the cracks or be forgotten in the midst of thousands of larger transactions ..... it must feel so good to scold those who aren't as perfect as they. 

You are responsible for keeping up with the money you spend.  Also, the fees charged are in the agreement you agreed to when you set up your account.  It is not the bank's responsibility to call you when your account goes into overdraft.  

I called but was not able to speak with them on Sunday though they called me on Sunday.  After 5 minutes of  "Press 1 for.... Press 2 for..., Press 3 for....etc." was told I was calling at hours when no one was available to speak with me and to call back later.  I was able to reach Comenity Bank customer service yesterday.

The Customer Service rep said there were numerous attempts to call me prior to the 2nd set of fees being put on my account.  Searching through the last month of my call history, there were no prior unanswered or missed calls from Comenity Bank.  Nor were any voice messages left asking me to call them. 

I have no way to prove them wrong but when they actually called me on Sunday, I answered the call and took immediate action to pay the charges.  The rep did remove the second set of charges which I appreciate. 

I still think they are a lousy institution and it is a shame that so many stores have allowed them to take over billing of their store credit cards.  Google "Comenity Bank Lawsuit" or "Comenity Bank Late Fees" or "Comenity Bank Complaints"....there are thousands of complaints. 

In addition, over the last few years, Comenity Bank has had to pay millions of dollars in settlements for violations against consumers that were proven in class action lawsuits against them.

(((REDACTED)))

https://www.law360.com/articles/700389/comenity-bank-hit-with-64m-fdic-credit-card-add-on-penalty

https://www.law360.com/articles/583738/comenity-bank-pays-8-4m-to-class-of-4-million-in-tcpa-suit

https://www.lawyersandsettlements.com/lawsuit/comenity-bank-tcpa-violations.html

http://www.creditcards.com/credit-card-news/comenity-bank-fdic-fine-refund-1282.php

The list goes on and on. Seems strange that people pop up here almost immediately to defend every complaint against Comenity. 

Sorry, but you made the charge and you are responsible for making sure it is paid.  The "it was only one purchase" or the "I got too busy" isn't an excuse.  If you are set up for paperless statements, you received an e-mail stating you had a statement ready.  Now, this could have gone to your junk or you could have deleted it thinking it was junk.  But the fact is that you did get it because they are required by FEDREAL law to send it.  No, they are not going to risk running into issues with this for just a few late fees on people who they hope don't remember they made any purchases. 

If you want a "backup" to help you remember, perhaps you should put the receipts in a place that will help you remember, such as your Register for your bank account or perhaps where you put all of your statements for the other bills you know you need to get paid.

Now, with that said.  If  you have as good of a history as you say have you tried to call them?  Sometimes companies will waive part(or all) of the late fees if there is a legitimate reason in the name of "Customer Service".   Not all will, and not all would with you describing the situation you wrote.   

However, you won't know unless you ask.   When you ask don't go off on a tirade how they are horrible how they are one step below Satan.  Explain your situation and see if they will do anything about it.  Now if they do...great.  But if they don't it is still NOT a rip off and hopefully a good lesson for you.

It may not have been clear from my original post but Comenity is NOT MY BANK.  Nor do I do my banking online with them.  Comenity is a Bank that many retailers are using to handle their store credit card accounts.  The list is almost endless -

• Abercrombie & Fitch
• AdWords Business
• Alon
• American
• American Home
• American Kennel Club
• American Signature Furniture
• Anne Geddes
• Annie Sez
• Ann Taylor
• Appleseed’s
• Arhaus Archarge
• Ashley Stewart
• Avenue
• Barney’s New York
• Bealls Florida
• Bed Bath & Beyond
• Bedford Fair
• Big Lots
• BJ’s
• Blair
• Blue Nile
• Bon-Ton
• Boscovs
• Brownstone Studio
• BrylaneHome
• Buckle
• Burkes Outlet
• Camping World/Good Sam
• Carson’s
• Carter Lumber
• Catherines
• Chadwicks of Boston
• Children’s Place
• Christopher & Banks
• Coldwater Creek
• Colombian Emeralds
• Crate & Barrel
• Crescent Jewelers Inc
• David’s Bridal
• Design Within Reach
• Domestications
• Draper’s & Damon’s
• dressbarn
• DSW
• Dunlaps
• Earthwise Windows
• Eddie Bauer
• El Dorado Furniture
• Express Next
• Fashion Bug
• Forever21
• Fuel Rewards
• Friedman’s Jewelers
• fullBeauty
• GameStop
• Gander Mtn
• Garden Ridge
• Gardner-White
• GEM ACCOUNT
• Giant Eagle
• Gordmans
• Goody’s
• Haband
• Hannoush
• Herberger’s
• Home & Garden Showplace
• Hot Topic
• HSN
• iComfort
• Iddeal
• J.Crew
• Jessica London
• J.Jill
• Kane Furniture
• KingSize
• Kohler Generators
• Lane Bryant
• LaRedoute
• Lenovo
• Levin Furniture
• Linen Source
• Little Switzerland Jewels
• LOFT
• Mandee
• Marathon
• Marianne
• Marisota From JD Williams
• Maurices
• Meijer
• M.E.S.A
• Metro Style
• Modell’s
• Motorola
• MyPoints
• My World
• Newport News
• NY&C (New York & Company)
• Old Pueblo Traders
• Orbitz
• Orchard Supply Hardware
• Overton’s
• PacSun
• Palais Royal
• Peebles
• Petite Sophisticate
• Piercing Pagoda
• Pier 1 Imports
• Pottery Barn
• Priscilla of Boston
• Reeds Jewelers
• Roaman’s
• RoomPlace
• Restoration Hardware
• Samuels Diamonds
• Saturday Night Live
• Sharper Image
• Shop At Home
• Smile Generation Financial
• Spiegel
• Sportman’s Guide
• Stage Stores
• The Company Store 
• The Limited
• Tile Shop
• Tog Shop
• Torrid
• Total Rewards
• Trek
• True Value
• UBG
• Under Gear
• Value City Furniture
• Venue
• Venus
• Victoria’s Secret
• Vintage Kind Audio
• Wayfair
• West Elm
• Williams-Sonoma
• Winter Silks
• Woman Within
• Ulta
• Younkers
• Zales
• Z Gallerie

The $21.58 was a credit card charge on a Peebles credit card at the Peebles store.  I have been a customer of Peebles for many years and have never had a late payment.  I make purchases there maybe 2 or 3 times a year.  It is not a regular thing.  This particular rare purchase slipped my mind....and with no paper statement to remind me....I failed to make payment.

Even though the first late fee was out-sized for the offense, I don't mind paying it as I was at fault.  It was the sleasy timing of the phone call....timed precisely shortly after the second set of fees was slapped on my account.  And what right do they have for the "Minimum Charge" fee of $1.00 per month????  Aren't $21.58 and $26.58 far above the "minimum charge" of $1.00 per month???

If they were reputable, the phone call would have been made before the 2nd set of fees. 

 It is YOUR account involving YOUR money! Common sense dictates YOU should be managing YOUR account by YOU keeping track of YOUR account usage! This is YOUR responsibility, not theirs.

STOP relying on online banking and keep a check register of ALL your deposits and payments!! YOU overdrafted your account therefore there is no rip off.  And NO I do not work for them.