Disgusting, that's it.

Fffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffffuuuuu

I feel compelled to share my deeply disappointing experience with Comenity Bank, which I now believe operates as a predatory lender, using Aspen Dental as a front to lure unsuspecting customers. Initially, I was attracted to Aspen Dental's services, which seemed reputable and professional. They recommended a Comenity Bank credit card to cover my dental procedures, and trusting their partnership, I applied.

From the start, the interest rates were shockingly high, far beyond what was initially advertised. It felt like a trap, designed to ensnare customers into a cycle of debt. Despite my efforts to manage my finances responsibly, the exorbitant fees and hidden charges made it nearly impossible to keep up. Late fees, over-limit fees, and other penalties were levied without clear explanation, adding to the financial burden.

Customer service, which should be a pillar of support, was equally disheartening. Representatives often provided vague and conflicting information, making it challenging to understand my account status and rectify issues. It felt as though there was a deliberate effort to obfuscate information, leaving me in a state of constant confusion and stress.

Moreover, the lack of transparency in their billing practices was alarming. Statements were often difficult to decipher, with unclear itemizations and unexplained charges. This opacity further compounded my difficulties, as it was nearly impossible to get a clear picture of my financial obligations.

What was most troubling was the aggressive collection tactics employed by Comenity Bank. Despite my best efforts to communicate and negotiate terms, I was met with relentless and harassing calls, sometimes multiple times a day. This relentless pressure only exacerbated my financial and emotional distress.

In conclusion, my experience with Comenity Bank, masked by the reputable facade of Aspen Dental, has been nothing short of a nightmare. Their predatory lending practices, coupled with poor customer service and lack of transparency, have left me feeling trapped and exploited. I strongly urge potential customers to reconsider and seek more reputable and ethical financial institutions. No one deserves to endure the financial and emotional strain that comes with being preyed upon by a lender hiding behind a trusted partner.

I was given the following contact info by the person I spoke to Tuesday 3/19:

*******429 extension ******* for "Beth"

Please explain to me why this extension does not connect to anyone and I get hung up on without any other options to speak to someone.

At this point I have been trying since October to get an account closed and receive verification it is closed and I consistently am given conflicting information, hung up on, given contact numbers that do not connect, and am told I will be contacted and then am not contacted... I have never received the verification letter promised though I have been told 6 separate times now one would be provided. You can bet as soon as I am off work I will be making a report to BBB and consumer protection agencies because you continue to be impossible to contact for resolution and provide no help. I may also at this point seek legal advice for a class action lawsuit as it seems plenty of other consumers unfortunate enough to be involved with your "bank" have similar issues.

I want someone to call me. I am available after 6pm this evening. I want someone who can actually provide a verification letter and I expect a WORKING return contact number for if continued issues arise as your staff has proven time and time again they do not know what they are talking about and have zero follow through.

A timeline:
Oct 2023 paid off balance and asked account to be closed

Nov 2023 account still open, called again and was hung up on 2x before reaching someone who stated account could not be closed due to $1.05 insurance and interest charge on a $0 balance account that should have been closed the month prior. I asked to be escalated, I was told I would receive a refund on the fraudulent charge and the account would be closed. I also asked to make a formal complaint and was told someone would call me. Nobody called.

Dec and Jan I continue to recover account statements on an active account with $0 balance. I call again and am told the account is closed. I ask for verification and am told it will be emailed. I never received verification.

Feb I receive a $0 account statement. I call. I am told it is closed and will be sent a verification letter via email. I am not sent one.

March I post the whole issue on social media, Google, anywhere with reviews. I am contracted and FINALLY get a call from someone I think is doing something on 3/19. She says the account could not be closed because of a 5 cent credit on the account. She states the amount will be transferred to my bank. She states she is closing the account. She states a verification letter will be emailed in 24 - 48 hours. She provides a return contact number. I never received the letter. The extension does not work when I call and I am disconnected without another option to speak to someone.

It is 3/25/24 and I am going to be filing a complaint with Better Business Bureau and the state consumer protection agency. I suggest all others experiencing similar do the same. I will be posting this on all social media and reviews I have access to. I will be seeking legal advice for class action lawsuit next if I am not provided proof of closed account in the form of a verification letter by 04/08/24.

About Comenity Bank Mastercard #*******768 issued on June 2021, be here on known, that I had never received such, and learned about it, when in Feb 2023, my Banking Institution had check my credit rating (my FICO of 790 at the time, due to an immaculately and responsibly handled of my credit), informing me that a late, delinquent and in collection account is showing -since Aug 2022-,as a damaging,and derogative and {as factual proven INTENTIONALLY} data.

I had immediately and with several phone calls, emails and regular [certified return receipt USA Post Office mai] contacted all parties involved within

· I have never received a BJs Banking VISA nor Master Charge card, either from BJs, nor from Capital Bank, nor Capital One Bank, and not from Comenity Bank either

· I have never received a single monthly billing statement

O Or I would have had taken care of this "not mine matter" supposedly use of a charge card account and subsequent late payment issue before it escalate on August 2022

· Where was this supposedly charge card made? ç Certainly, not by me.

· Whom -if any-, have had an stolen use of it, before the shown 30 days late condition?

· What was it used for on and where?

· Why was this "supposedly received", charge card never used before July or August 2022?

O Or was it been used and properly paying the monthly statements? (By whomever got in possession of the charge card) not me.

O If so, where did YOU were sending the billings to? Not to me.

Where were YOU receiving the monthly payments? Not from me.

See on the provided spreadsheet, a four years history of our credits, there is NOT BJs charge card showing. That information MUST BE REMOVED to restore my actuak FICO of 734, restored. Thanka!