Comenity Bank complaints

I have a Grandin Road charge that I am not permitted to use even though it has no balance and I should be able to charge up to $3000. I have talked with several people, including supervisors at Commenity Bank (the issuer of the Grandin Road charge account) and they tell me that this has been an ongoing glitch that they haven't been able to fix for similar people in my situation. A couple of the reps told me to reapply for a new charge, but it won't go through because of my so-called current account. Even though they say that they are getting several angry calls from others, they have not rectified the situation. This situation has been going on for at least several months to my knowledge, but one rep said that it's been a lot longer than that. They state that they have been working on it, but haven't yet found a fix. However, they have not even bothered to notify affected customers. The only way that you find out that you have a nonusable charge is by trying to charge on it. I believe that a large credit card company such as Commenity should be able to quickly resolve this issue.I just wonder if Grandin Road is aware of this because I believe that they could be losing business due to Commenity's inability to fix this charge card glitch. I could use another charge card for my order, but if you use the Grandin Road charge, you get rewards to apply to future purchases. Please look into Commenity's inability or refusal to fix this charge card issue. Thank you. Resolution Sought Commenity needs to immediately fix the problem or find someone that can, so that I and others affected by their glitch, can use our Grandin Road credit card and receive rewards. In the meantime, if another credit card must be used to purchase from Grandin Road, then those of us who cannot use our open Grandin Road charge should still be given rewards for future purchases. If Grandin Road is unaware of Commenity's dilemma with some open charge accounts, they need to be notified of this.

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In May, of 2022, through Bread Financial Loan Company, Since I deal with Comenity Bank, with a credit card, I have through them for number of years, I received in my email, in 2022, if I would like to try for a loan? So I took chance and did. Amt.7,000. But in meantime I decided I did not want it. So I called the number I had from New York, which the have tones of other company's around. I think at that time her name was Vanessa, she told me I could reverse payment back to them within 30days. Which I did Ck.977 on May, 5,2022 in amt.of 1375.51,and a second check in amt.of 2594.81 ck.# 979 on May, 16,2022.! Which I was told I could Mail to the loan company they have in Phila. And as soon as they receive it it got cashed. I gave it some time until I saw in my checking acct. statement they cashed it and had it in there hands. On back of check it was deposited Bread Loan. I never used any of the money at all. I spoke to a William in Phila. On 6-28-22. Told me I made 34 payments, and 2 payments were left. As I'm in phone with him he counted them. He said, I need 2 more left to be paid off of 36 payments which would include interest of 4,239.76. I made a ck of 134.72 on 7-15-22 #985 and #2, on 8-8-22 amt.134.72. #979. I wrote made copies and explained in details to them On my portal it showed that June,and July, of 134.72 2022 was not paid, I had to re pay same AMT. With a Bank debt.card. To satisfy them. Since then I had to pay monthly, of 134.72 from Sept-March, of 2024. Resolution Sought I never used one dime of this loan at all. I have copy's of my chks & AMT. I reversed back to them with the interest I was told of 4,239.76. by William on 6-28-22. And it would be pd.in full. I feel I over pd them. In AMT of 2,559.68 and that I owe them no more money that I never used at all. They owe me money back In the AMT. If ,2,559.68. On my portal is still showing from April-May, of 2025. I want Bread Loan to repay me of what I over paid to them. I don't owe them no more I never used .

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I m not paying any more money to them I over paid in AMT. Of 2,559.68 from Sept2022-March, 2024. I reversed the AMT back to them of 3,970.32 with interest of 4,239.76 = 8,210.08 which is more than 7,000$ Which I was told once I pay 134.72 for June,and July, in 2022. Would make my 36. Payments and would be paid in full Why should I make more payments when I never used none of that money and reversed the AMT. Of what is showing above. Now they owee me of what I over pd. To them. Which shows the AMT. Above. 2,559.68. Hear I am making payments to a loan company of money I never used at all, and reversed the rest back with interest. I paid my share back and then some. Now they owee of what I over paid to them in a timely matter. I reversed mine in a timely manner Now I want my money back that was over paid to them in this AMT. 2,559.68. Or I'm going to a Lawyer that can help me. I want my money back ASAP. Till all said and done it's going to more than 8,210.08. If I were to continue it will be The rest of this yr.2024-2025 in May. Do the calculation!!! I want my money back that I over paid to them as said as above.

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