Comenity Capital Bank Relentless harassment and erroneous accusation of obtaining/using a credit card that I do NOT have. Threatening and abrasive behavior from company, etc... Columbus Ohio

To Whom it May Concern:

On 06.June.2014, a voicemail message was left on my mobile phone by a Mr. Callaway from Ohio (he would not provide his first name although I was forced to disclose ALL of my personal information (including my full Social Security number, which I was EXTREMELY hesitant about, but did so because he was threatening and I was frightened). I did not check my voicemail until around midnight of last night, 16.June.2014. However, I returned his phone call around 2:00 or 3:00pm today, Tuesday 17.June.2014. During the conversation, Mr. Callaway was rude, overbearing, disrespectful, discourteous, and all-around threatening and insolent.

Mr. Callaway made no mention in the voicemail as to the nature of his call. I called him to ask what his call was regarding. Immediately, he began treating me as a thief, running up a charge of five-hundred dollars then failing to pay the balance. Without giving me any chance to explain that I had been in the hospital and quite ill, not to mention, I had never even heard of the bank, he immediately launched into threats of attorneys and the like. I was taken completely off-guard by the entire conversation regarding the entire situation. Has this man never been informed of credit card fraud?

Instead of treating me respectfully, as I am the victim of this insidious crime, I was treated as a suspect. In retrospect, I realize I should not have provided him with any of my personal information (ie my SS number). I was, however, frightened and had never experienced this before.

Now, I must undergo a fraud investigation in order to absolve my name.

A cursory search on Google revealed that quite literally THOUSANDS of others have filed complaints of fraud against Comenity. I was always taught that in the USA, people were innocent until proven guilty. i am innocent, and yet, I was berated as a criminal would be when this man had zero proof that I had done anything — which I absolutely did not. he had me in tears by the time the conversation was over. This man's behavior was despicable, to say the least. 

Apologies for the long post, yet, it is to let people know to stay away — far, far away — from this deplorable Bank and the credit cards it issues (Pottery Barn, Dress Barn, Victoria's Secret, Express, and so forth). Please do your homework, or better, stay away from store credit cards issued by Comenity Capital Bank.