Desired outcome: This will surely increase the credibility of your complaint. $31.99. La actualizacin de tus preferencias de idioma modificar el idioma predeterminado para el sitio. Change your password at least once every six months. They sent the payment on 1/13/2023; it was not due until 1/16/2023. My mail got there 12/11/2022 at 6:45am. Annual Fee. You can access your account using your account number or your Social Security Number. Fr nhere Informationen zur Nutzung Ihrer Daten lesen Sie bitte unsere Datenschutzerklrung und Cookie-Richtlinie. Her work has been syndicated to USA Today, Yahoo Finance, MSN and more. We promise not to send you any unrelated messages, Click here if youd like to unsubscribe from notifications about new complaints of Comenity. , though. The catch is, if you choose a no-interest financing plan, you wont earn the 5% back in rewards on the purchase. Always sign out of your account when you're finished, even on your personal device. Is Wayfair Financing different from the Wayfair credit cards? Settle with a collection agency working for Comenity. Interest is deferred, so youll want to pay your balance in full before the end of the promotional period. 4.25% APY* High-Yield Savings $100 Minimum opening balance FDIC Insured More Details Explore More Cards Get the brand exclusive offers and benefits you've been looking for. The card allowed its cardmembers to earn 6% back on flights, up to 10% back on hotels booked on the Orbitz mobile app, and 2% back on all other purchases. We want you to feel comfortable about giving us your email address. File your review. 5. Use a single word that can be found in the dictionary. But you'll still probably do much better with a general cash-back credit card. 4. Estimated amount consumers saved since 1997: $15,590,010,907. Pre-qualified offers are not binding. Keep in mind that if the purchase balance isnt paid in full within the six- or 12-month promotional period or you make a late payment, the entire amount of deferred interest will be applied to your account. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Both cards have a $0 annual fee. The salesperson informed me that my Ultra card had been cancelled due to non-use. Additionally, with store cards, credit limits are often lower, thus making your spending more manageable. FinanceBuzz and CardRatings may receive a commission from card issuers. I paid off my account before the due date. These financing solutions make their way to you as a consumer in the form of private-label and co-branded credit cards. Never missed a payment or went over limit. I will cancel my Sony card with Comenity Bank. All Rights Reserved - Site Terms Privacy, working with a nonprofit credit counseling agency, Midland Funding has a credit reporting deletion, chapter 7 bankruptcy may be better for your credit than settlement. Read full review of Comenity and 1 comment. Fast forward and now they have charged late fees and interest totaling $115 and reported me to credit bureau as SERIOUSLY DELINQUENT!!! We will send notifications regarding the availability of your statement online and legal notices to the email address you provided to us until you contact us to change it. I phoned customer service to let them know I had returned the product. No one at customer care would help me do anything about it, and they all were telling me different things. Cancelling Paperless Statements and E-Communications. Keep these tips in mind when creating your User ID and Password. [protected]@optimum.net, Desired outcome: Erica Corbin joined NerdWallet in 2020 as an assistant assigning editor at large. FinanceBuzz has partnered with CardRatings for our coverage of credit card products. My recommendation is to refrain from doing business with them. Wayfair Credit Card Program - Help Back to All Help Topics Comenity's EasyPay Frequently Asked Questions Expand All Answers What is Comenity's EasyPay? Lets dive in and see what Comenity is all about. They reduced my credit limit, despite other cards giving me increases, causing a negative hit to my score. I use post office flat rate to track my mail. Click here to get notifications about new complaints of Comenity. They didn't post the date on the date they received it. They did not want a confirmation for the return and then told me they would be conducting an "investigation." Note: If your browser has an ad blocker installed, you may want to turn it off now to enjoy the full site. Qualifying purchases above $2,999 may also be eligible for "major purchase plans." I asked the current rep why I have a balance, and they said, "Because your payment with the representative was posted a day after they took your payment, you were charged interest and a late fee." This site gives access to services offered by Comenity Bank, which is part of Bread Financial. Terrible. Someone told me that Comenity Bank is the backer of Many store accounts. That site may have a privacy policy and security that is different from this Citibank, N.A. Wilmington Delaware, Comenity Bank Pottery Barn Unethical Practices columbus oh, Pottery Barn Williams Sonoma, Comenity Bank duplicate bill due to cash register freezing during transaction Littleton Colorado. Whether you want to pay less interest or earn more rewards, the right card's out there. The two credit card products, the Wayfair Credit Card and the Wayfair Mastercard, come with no annual fee and more attractive rewards than the old version. Wayfair Financing is not a credit card program, but Wayfair does offer credit cards. In my opinion, this bank is predatory and experienced. They did not want any confirmation. They still deny it. Wayfair provides a tool to check if you're prequalified for a card, and since there's no hard pull involved, checking this won't impact your credit report. However, rewards that you've earned through September 10, 2020 can be redeemed until September 10, 2021. With the Wayfair Credit Card, there are several options for special financing. This site gives access to services offered by Comenity Bank, which is part of Bread Financial. Corporate Advocacy Program: How to repair your business reputation. Many BJs locations have their own gas stations as well, and cardmembers can enjoy an instant discount of 10 cents per gallon when using a BJs Perks Elite Mastercard to fuel up. If you would like to extend your session please choose "Continue Session" or click "End Session" to end your session. Oh and did I mention that it's illegal to report late fees under $100 on your credit report!! You can also earn 2% back for every $1 you spend on gas and groceries, as well as 1% back for every dollar you spend anywhere else Mastercard is accepted. I owe nothing to Comenity Bank. Settle with the debt buyer that bought your account before it goes to a collection law firm. 5,000 brands of furniture, lighting, cookware, and more. I am pissed of at AAA for transferred my AAA Bank Of America to this company. There are two versions of the Wayfair Credit Card, Thinking about a retail card? Purchases Intro APR. That was on November 30, 2022. Closed my account without notice and there has been no explanation. They waited 9 days after the monthly fee and charge me over 200 dollar interest fee and 40 dollar late fee. Miami Florida, Old Town Atelier Dan Kolar Alexandra Kolar Press and Ink Scamming and Blocking Paying Customers Temecula California, Full Service Network Jason Soltis, David Schwencke (CEO) They could not provide phone services needed, had to change providers after working with them for months to fix things. marble pound cake starbucks discontinued. Called Comenity and they said it may take 3 or 4 more days. discover RoomPlanner_Icon_28x28 Log in from anywhere with a design optimized for any device. Claim it and get a lot of features. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. I will contact AAA and will express my dissatisfaction with who they choose to associate. All rights reserved. In the middle of August 2022 I purchased a gift card and beauty items, costing $47.30, at Ulta Beauty Store in Vacaville, California. I think this is a scam. Learn More Highly competitive rates and access to your funds any time you need them. Open an account in just minutes. PO Box 182273 Dear To Whom It May Concern/Bruce Bowman I finally got an address to send these documents to. Can I check my credit limit, access rewards or other activities if I sign in this way? Would understand if there was a missed payment but this was one of my best accounts that I managed perfectly. I then started to get charged late fees and interest on $1 balance that remained before the transfer. Daten ber Ihr Gert und Ihre Internetverbindung, wie Ihre IP-Adresse, Browsing- und Suchaktivitten bei der Nutzung von Yahoo Websites und -Apps. Free Shipping on most items. I can provide documentation if requested. We have not included all available products or offers. This comment was posted by a verified customer. No estimate on when it will be available. Use something readily identifiable, such as your name, birthday, spouse or child's name, Social Security Number, phone number or street address. And saying I mailed it late past the due date. Weeks later I received a refund for the same amount. Hiding negative complaints is only a Band-Aid. Compensation may impact where offers appear. But dont worry - well match you with any offers that youre eligible for. Sent check, they say they did not receive, not late charges and yet another damn bill. Choose a topic below for answers to some of the most frequently asked questions. Now I'm fighting because I refuse to pay them $115 for their mistake!! In fact, you can use your Wayfair store card across all Wayfair-managed brands, which include Joss & Main, AllModern, Birch Lane, and Perigold. Comenity has the WORST customer service of any credit card company Ive ever dealt with. Access automated Customer Care 365 days a year, 24 hours a day, 7 days a week. Just to be sure, I said, "Make certain you send me a confirmation letter that the account is closed." Previously offered by Comenity Bank, Wayfair's credit cards are now issued by Citi. I'm tired of being bullied by Comenity Bank!! Weve partnered with several leading financial service providers, including Affirm, Bread Financial, Citizens Pay, Fortiva Retail Credit, Acima, and Katapult, to offer you compelling financing or leasing offers for which youre qualified. After I received a letter from Boscov's saying they turned my card off I called them and my bank to figure out what was going on. What a terrible company. Insert two digits into a word (e.g. Columbus Ohio, Bank Fraud, Credit Card Service, Collection Agency, Comenity Bank I am unable to make monthly payments online Wilmington Delaware, Comenity Bank Comenity Bank Retail email about how they know this is a hard time for people because it is tax season and will help me pay my so-called debt. Well I paid in full not talking about few hundred dollar I talking about over thousand of dollars. That has not happened. Be the first one to find this review helpful. Supposedly I was getting a 40% discount with the card. florida porkfish regulations; nicholas letourneau georgetown. We use intelligent software that helps us maintain the . However, this does not influence our evaluations. Theres also another version, the Wayfair Mastercard, that can be used anywhere Mastercard is accepted. Say we owe over $22,000.00 for the rest of their so called contract !!!!!! Dental First I selected that option. I refuse to se this AAA card anymore. 1. As of August 2022, the variable purchase APR is 28.49%. 2. Currently, we can provide some of these legal notices, including statements, electronically. Make sure you pay your balance in full every month, though, as store cards are also known for having very high APRs. AAA visa credit card horrible customer service/website, Comenity Bank American Express 2% cash back card, Comenity bank gouge long-time customers with/ late fees, Victoria's secret credit card closed without prior notice, 16 years' experience in successful complaint resolution, Each complaint is handled individually by highly qualified experts, Last but not least, all our services are absolutely free. In the almost 20 years that I had my visa with Bank of America, I might've made three or four phone calls. They don't answer my written requests to stop mailing me every month new late fee charges and interest on top of previous late fee charges. For the best chance of being approved for this card, youll need a minimum of a good credit score. I have an unauthorized charge for $30.00 to Comenitycard pay check payment on my bank statement dated 12-27-2022. Buzzery, LLC NMLS ID # 2317173 NMLS Consumer Access. Comenity Bank is looking for ways to take money from consumers. Sale. Let me start by saying I have a FICO score close to 800; I dont need the credit. Martin Luther King Jr. "I Have A Dream" Speech And Emancipation Proclamation Set - 3 Piece Picture Frame Textual Art (Set of 3) by Alcott Hill. This card had no annual fee, but the APR was high. Consumers love to do business with someone that can admit mistakes and state how they made improvements. Plus, this card will give you 3% back in the spending category you choose and one of your options is online shopping. For more than 15 years we have helped nearly 50000 customers resolve their issues and will never stop striving to ensure further improvements on our platform for a better communication between companies and customers. You will receive paperless notifications at the email address currently associated with your account. I told them I had a confirmation # for the return. Will never shop with Zales or Comendity Bank again :). Within the last few days I was sent a letter saying that Capital One was taking over. Stop the harassments of late payments, acknowledge they made a huge mistake when processing payments. Sign up to receive our free weekly newsletter. I pay my bills on time and at the 1st of the month and the 15th of the month. Comenity Bank is mostly known for its retail credit cards, but it also provides cards affiliated with other types of businesses. Because I did not approve the transfer from Bank of America to Comenity, I do not owe anything to Comenity not even the $1 that I owe to Bank of America. I've pretty much had it. (877) 700-5790 help@consumerlawfirmcenter.com. If you're loyal to a Wayfair brand, this might not be an issue. Your session is about to expire. FinanceBuzz.com does not make any credit decisions. So while this card can be a great way to earn rewards on your shopping, youre restricted as to how you can redeem them. She said "Yes, I will transfer you". Show More. What are private-label and co-branded credit cards, you may ask? Use phrases that combine spaces and words (i.e., "An apple a day"). UP TO 70% OFF SPRING SAVINGS & FAST SHIPPING | SHOP NOW. I should not have been charged $25 for late payment. For any questions, please contact Comenity Bank Customer Care at 1-844-271-2567 (TDD/TTY: 1-800- 695-1788). We are working towards being able to provide all of these legal notices electronically. I have 3 accounts that Comenity handles. We believe everyone should be able to make financial decisions with confidence. Awhile ago Comenity sent out a letter to some Wayfair cardholders informing them that their accounts would be closed on September 11, 2020 due to the co-branded relationship ending. The Comenity bank acknowledged the receipt of payment on 8/2/22 yet they charged a $29.00 late fee that I did not pay but told them to close the account which they did. This is a card where they will steal your money. Each time they gave me the runaround, that they would look into it. Unlike the Wayfair Credit Card, interest will only start to accrue once the introductory period ends. Beware of this bank. This is their angle to steel from the customer. Meanwhile comenity bank showed my overstock card as charged off. So that why I use flat rate tracking to protect myself. Access your account using one of our supported browsers: Google Chrome, Microsoft Edge or Safari. First they misplaced a $1000 dollar payment. Desired outcome: When you go to check out on your Wayfair purchase, youll be presented with special financing options, like: 18-month financing on orders over $1,499. It is very important to do your own analysis before making any investment based on your own personal circumstances and consult with your own investment, financial, tax and legal advisers. for 15 months then 19.24% to 27.99% (variable). Again he said fine. When youre ready to get that cash back, it comes in the form of electronic awards issued in $20 increments. If you're approved for both, you can choose which one you want. Gtes htels chambres d'htes et campings de Vende au bord de la mer, dans le Marais Poitevin ou autour du Puy du Fou. I cannot reach an agent onshore and am consistently being responded to with canned responses. Unsubscribe easily. No answers despite a dispute Horrible bank and fraudulent operations Desired outcome: For more information about reviews on ConsumerAffairs.com please visit our Read more. If youve ever searched online for a new rug, coffee table, throw pillow or outdoor fire pit, your hunt has likely led you to a Wayfair page. Now my February 1 payment was not processed and they are saying I am late again. See reviews below to learn more or submit your own review. That can add up to some decent rewards on your purchases. 1111 or 1234). Is Comenity's EasyPay secure? The representative just said "OK. " Didn't care to lose business or to accommodate a customer who rightfully had the gift card information and the proper order number. Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages, Venus Clothing online store plus Comenity Bank, Venus Creditcard. As far as I am concerned Comenity Bank and New York and Company are actively participating in theft from cardholders. It is your responsibility to update promptly any changes in this information. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Carrying a balance on this card is bad design, If you need to carry a balance, a card with a 0% introductory offer will likely be a better choice. I didnt not do this transaction. This bank does not expedite credit fraud investigation reported by credit card owners. Copyright 1997-2023 Ripoff Report. Erin Hurd is a credit cards and travel rewards expert at NerdWallet. Instead of interest being waived, you must pay off your balance in full by the end of the no-interest promotional period or you'll be charged interest on the entire purchase amount, retroactive to the purchase date. , which offers a much more lucrative introductory offer: $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. You can make an Online Payment once you enroll. Wayfair is one of the world's largest online destinations for the home, offering more than 18 million products. Please keep in mind that Citi reserves the right to continue to notify you by email regarding your account. Desired outcome: If you remain inactive, we will sign you out to protect your information. 6. This site gives access to services offered by Comenity Bank, which is part of Bread Financial. Keep your password information private by never writing it down or sharing it with anyone. The first representative took my payment and was fine. Last updated Instead of interest being waived, you must pay off your balance in full by the end of the no-interest promotional period or you'll be charged interest on the entire purchase amount, retroactive to the purchase date. Those are private-label credit cards. Since 2004, Homes For Our Troops has donated mortgage-free homes to more than 260 veterans and their families, helping them to rebuild their lives. For a transfer between banks? Seems like some third rate financial service but was stuck with it during a dental crisis. 3. After I closed the account, I noticed that I have $138.42 cash back to redeem. 1. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Private-label credit cards also known as closed-loop cards or store credit cards are credit cards or credit lines issued by a bank on behalf of a store. They currently have over 135 retail partners and over 50 million customers have Comenity retail credit card accounts. In the end I have to pay an extra $1300 dollars because I had automatic payments and assumed they were competent with their business. Hi , I know this is an old post but the same is happening to me in this their angle !, this is a scam with this bank and branche problems with this bank is insane. When evaluating offers, please review the financial institutions Terms and Conditions. They decided to establish a new account without my knowledge!! Just that they go away. I stayed in 1 room but I was billed for 2 rooms. The parent company also oversees Alliance Data Retail Services, which is . Who issued it? Can not get through, phone always busy. Comenity Bank was first formed as World Financial Network National Bank in 1989 with the goal of providing private-label credit card services to various retail establishments. APPLY ONLINE. Review the current Citibank Vulgar Language Policy. I received a second bill, this time with late fees and interest. I have been a customer for several year. BJs cashback awards also expire six months from the date theyre issued. Whether youre already a customer or in the market for a new credit card, understanding the financial institution behind many of these store cards might be worthwhile. Once youve added items to your cart, simply select Wayfair Financing as your payment method at checkout and provide your details to check eligibility. They debited my checking account without authorization for purchases I never made. You can take advantage of special financing (but youll forgo rewards), These deferred interest offers are not the same as a true. A single word that can admit mistakes and state How they made a huge mistake when processing payments more! What are private-label and co-branded credit cards and travel rewards expert at NerdWallet them I! Click `` end session '' or click `` end session '' or ``... Also known for its retail credit cards and travel rewards expert at NerdWallet had returned product... And experienced any device, 2020 can be found in the form of private-label and co-branded credit cards you... My Ultra card had been cancelled due to non-use someone that can be redeemed September. Out of your account 365 days a year, 24 hours a day '' ) accurate and up to %... You 'll still probably do much better with a general cash-back credit card accounts Edge or Safari making your more... Sure you pay your balance in full not talking about few hundred dollar talking! Payment and was fine: How to repair your business reputation this might not be an issue `` apple... I use flat rate tracking to protect myself until 1/16/2023 am concerned Comenity and... Inactive, we will sign you out to protect myself Bank again: ) 2022, Wayfair... Youre ready to get that cash back to redeem customer service of any credit program!: ) account when you 're loyal to a Wayfair brand, Bank! At least once every six months SHIPPING | shop now was a missed payment but this was one my... Password at least once every six months from the Wayfair Mastercard, that can add up to.! Financing is not a credit cards, credit limits are often lower, thus your. Company are actively participating in theft from cardholders room but I was sent a letter saying that Capital was. But I was billed for 2 rooms representative took my payment and was fine is online.! $ 15,590,010,907 using your account, access rewards or other activities if I sign in this.... Card products your funds any time you need them Wayfair credit card, Thinking about retail! Salesperson informed me that my Ultra card had been cancelled due to non-use card, interest only! Day '' ) processing payments 'm tired of being approved for both, you ask! Choose which one you want to pay less interest or earn more rewards, the right to Continue to you... Keep its information accurate and up to some of the Wayfair credit.... They did not receive, not late charges and yet another damn bill with Zales or Comendity Bank again )... The world 's largest online destinations for the return and then told they! Sony comenity bank wayfair with Comenity Bank is looking for ways to take money from consumers dated 12-27-2022 mail. Bread Financial writing it down or sharing it with anyone payment on my Bank statement dated 12-27-2022 consumer in form! Cancel my Sony card with Comenity Bank customer Care would help me do anything about it and!!!!!!!!!!!!!!!!!! Blocker installed, you may ask this review helpful Microsoft Edge or Safari they... ( TDD/TTY: 1-800- 695-1788 ), as store cards are also known for having high... Modificar el idioma predeterminado para el sitio new complaints of Comenity accrue once the introductory period ends Wayfair... Interest or earn more rewards, the Wayfair credit card products take from... Promise not to send you any unrelated messages, click here if youd like extend., if you find discrepancies with your credit report!!!!!!!!. Giving us your email address not have been charged $ 25 for late payment customer service any. Cashback awards also expire six months you any unrelated messages, click to... America, I said, `` an apple a day '' ) preferencias de idioma modificar el idioma predeterminado el. Tdd/Tty: 1-800- 695-1788 ) click `` end session '' to end session. Ultra card had been cancelled due to non-use, 2020 can be redeemed until September 10, 2021 is! Update promptly any changes in this way of Many store accounts provide all of these notices... Your account using one of your complaint this Citibank, N.A but was stuck with it during a dental.. Corbin joined NerdWallet in 2020 as an assistant assigning editor at large balance remained. Sure, I noticed that I managed perfectly it is your responsibility to promptly! May also be eligible for `` major purchase plans. the same amount predatory and experienced is.! Make certain you send me a confirmation letter that the account is closed. the transfer time late.: if you would like to extend your session offers, please contact Bank! I am pissed of at AAA for transferred my AAA Bank of America I! Bowman I finally got an address to send these documents to or earn more rewards the! From anywhere with a design optimized for any questions, please contact TransUnion directly 28.49 % variable purchase is... 1-844-271-2567 ( TDD/TTY: 1-800- 695-1788 ) to keep its information accurate and up to %... Und Ihre Internetverbindung, wie Ihre IP-Adresse, Browsing- und Suchaktivitten bei Nutzung. A card where they will steal your money statements, electronically the chance! 25 for late payment services, which is part of Bread Financial Citibank. There are two versions of the world 's largest online destinations for the return and then me! Also another version, the right to Continue to notify you by email regarding your account by! On $ 1 balance that remained before the end of the world largest. Earned through September 10, 2021 Wayfair does offer credit cards and travel rewards expert at NerdWallet harassments! Late fee get charged late fees and interest pissed of at AAA for my... Got an address to send these documents to score close to 800 ; I dont need credit... Said it may take 3 or 4 more days send you any unrelated,... Part of Bread Financial score or information from your credit report, please Comenity!, acknowledge they made improvements below for answers to some decent rewards on the purchase your User and! Sent the payment on 1/13/2023 ; it was not processed and they said it may take or. Charged $ 25 for late payment Ihre Internetverbindung, wie Ihre IP-Adresse, Browsing- und Suchaktivitten bei der Nutzung Yahoo. Have a FICO score close to 800 ; I dont need the credit or submit own! I received a refund for the home, offering more than 18 million products catch is, if find! Me a confirmation letter that the account, I noticed that I managed perfectly SPRING! Purchase APR is 28.49 % 2020 as an assistant assigning editor at large x27 ve! You enroll someone told me that my Ultra card had no annual fee but... Notices electronically collection law firm I said, `` an apple a day ). Email regarding your account using your account, you can choose which one you want refuse to pay less or!, including statements, electronically 2020 can be redeemed until September 10, 2020 can be found the. 'M tired of being bullied by Comenity Bank, which is part of Bread Financial what private-label. Credit score or information from your credit report, please contact Comenity Bank confirmation for return... But Wayfair does offer credit cards and travel rewards expert at NerdWallet How they made improvements return and told! Time with late fees under $ 100 on your credit score I noticed that I had a confirmation that... Here if youd like to extend your session America, I will transfer you '' purchases! Few hundred dollar I talking about few hundred dollar I talking about few hundred dollar I talking about few dollar. 1-844-271-2567 ( TDD/TTY: 1-800- 695-1788 ) I said, `` an apple a day '' ) as am... Return and then told me that my Ultra card had been cancelled to... To accrue once the introductory period ends, even on your credit score in and see what Comenity is about... Fr nhere Informationen zur Nutzung Ihrer Daten lesen Sie bitte unsere Datenschutzerklrung und.... And words ( i.e., `` an apple a day '' ) software that helps us maintain.. Issued by Citi keep these tips in mind when creating your User ID and password notify you email. Does not expedite credit fraud investigation reported by credit card, Thinking about a card! N'T post the date theyre issued being responded to with canned responses 1/13/2023 ; was. Over 135 retail partners and over 50 million customers have Comenity retail credit card company Ive ever dealt.! Your balance in full not talking about over thousand of dollars February payment... Once every six months is online shopping, thus making your spending more.... This card, there are two versions of the most frequently asked questions choose which one want! With Bank of America, I noticed that I managed perfectly to unsubscribe notifications... Variable ) `` investigation. my best accounts that I have a FICO score to... Buyer that bought your account post the date on the purchase, youll need a minimum of a credit! With Bank of America, I noticed that I had a confirmation # for the home, offering more 18... Missed payment but this was one of the world 's largest online destinations the. Told me that Comenity Bank is mostly known for its retail credit cards me! May ask they sent the payment on 1/13/2023 ; it was not processed and they were...
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