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comenity woes

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jeffm4688
Frequent Contributor

comenity woes

Honestly comenity is nuts.

 

I got approved for a comenity total rewards Visa on 04/02, along with a sportsmansguide and virgin american visa.

 

On June 1st they all got closed my three visa/MC accounts with them citing too many INQ's which is ironic as I only added like 3 in 2 months and already had 50+. 

 

I just opened a letter, i'm pre approved for the Total Rewards Visa. WHAT THE EFF. Approved $2000. 

 

EDIT: AA'd again, look below.

FICO 12/2015 - EX 692 TU 685

FICO 10/2021 - EX 596 TU 605 EQ 600 - officially rebuilding.

What survived:
Amex HH - 1.5K | Amex Delta - 1K | Amex Bonvoy - 1.5K | Amex BRG - 3.5K | Amex BRG - 3.5K | Amex Business Cash- 2K | Amex Business Plus - 2K
Message 1 of 11
10 REPLIES 10
creditguy
Valued Contributor

Re: comenity woes

Comenity hasn't been taking their meds again I see. Welcome to the wonderfully wacky world of Comenity where up is down and approved means closed and approved again. Smiley Happy

Message 2 of 11
Anonymous
Not applicable

Re: comenity woes


@jeffm4688 wrote:

Honestly comenity is nuts.

 

I got approved for a comenity total rewards Visa on 04/02, along with a sportsmansguide and virgin american visa.

 

On June 1st they all got closed my three visa/MC accounts with them citing too many INQ's which is ironic as I only added like 3 in 2 months and already had 50+. 

 

I just opened a letter, i'm pre approved for the Total Rewards Visa. WHAT THE EFF. Approved $2000. 


There are multiple threads discussing this issue in length about Comenity. I would check them out. There's some good information. Best of luck!

Message 3 of 11
Anonymous
Not applicable

Re: comenity woes

Very sorry this happened.

 

 

There is a reason why I have posted this previously about Comenity:

 

 

Comenity. We take your cards away, then send you new ones the very same day.

 

 

They have been up and down for some time as a lender, and difficult to predict.

Message 4 of 11
Anonymous
Not applicable

Re: comenity woes

Which credit bureau did they say had too many inquiries?

Message 5 of 11
CreditMagic7
Mega Contributor

Re: comenity woes


@Anonymous wrote:

Very sorry this happened.

 

 

There is a reason why I have posted this previously about Comenity:

 

 

Comenity. We take your cards away, then send you new ones the very same day.

 

 

They have been up and down for some time as a lender, and difficult to predict.


+1

Message 6 of 11
jeffm4688
Frequent Contributor

Re: comenity woes

Well I'm here to mention that if you happen to get AA'd by comenity where they close your account and then pre-qualify you again don't bother taking it!

 

I got approved for 2K on august 6th, and I received the card on the 21st and activated it.

 

Ready for this? On august 24th the account was AA'd and closed again due to inquiries! I was hoping something like this wouldn't happen but it's just stupid. This time they pulled my report with 58 INQ's when approved but it became a problem less than three weeks later. I don't get how this would be a problem but it seems to be a flaw in their system. If I was such a high risk they shouldn't of approved in the first place.

 

My plan is to pop off a few e-mails to higher management at this company and alert them to the fact that if they're going to do this kind of BS they should just change the models to handle this. Clearly they must have a condition of X inquiries over X period of time warrants AA even though I've never missed a payment on any credit card blah blah. I popped off a message to the facebook team requesting re-instatement or removal of the inquiry / tradeline. Doubting I'll get anywhere but I'm going to waste some of their time for wasting mine Smiley Happy.

FICO 12/2015 - EX 692 TU 685

FICO 10/2021 - EX 596 TU 605 EQ 600 - officially rebuilding.

What survived:
Amex HH - 1.5K | Amex Delta - 1K | Amex Bonvoy - 1.5K | Amex BRG - 3.5K | Amex BRG - 3.5K | Amex Business Cash- 2K | Amex Business Plus - 2K
Message 7 of 11
jeffm4688
Frequent Contributor

Re: comenity woes

update:

 

According to comenity nothing they did was wrong and the pre-qual was likely issue'd before the card was closed, of course I wonder how it's possible that I was issue'd a pre-qual for a card I already had and of course why it was dated over a month after my account was closed however.

 

The good news is, they agree'd to remove the account from all three credit bureaus in good faith. I can live with that resolution. 

FICO 12/2015 - EX 692 TU 685

FICO 10/2021 - EX 596 TU 605 EQ 600 - officially rebuilding.

What survived:
Amex HH - 1.5K | Amex Delta - 1K | Amex Bonvoy - 1.5K | Amex BRG - 3.5K | Amex BRG - 3.5K | Amex Business Cash- 2K | Amex Business Plus - 2K
Message 8 of 11
Anonymous
Not applicable

Re: comenity woes

And this is why I will NEVER touch a card from Comenity.... as much as I would like to have a VS store card.... stories like this one set me straight.... no thank you!!

Message 9 of 11
jeffm4688
Frequent Contributor

Re: comenity woes


@Anonymous wrote:

And this is why I will NEVER touch a card from Comenity.... as much as I would like to have a VS store card.... stories like this one set me straight.... no thank you!!


I agree I canceled all my store cards except jcrew. That was only motorola & gamestop though. I only wanted total rewards because I use it for the 5X points at caesars when I go to AC. And in the timeframe that they canceled my card I booked a 7 day stay in october for my 25th in vegas at a total rewards casino. Kind of sucks to miss out on the points when I'm spending the $ anyway.

FICO 12/2015 - EX 692 TU 685

FICO 10/2021 - EX 596 TU 605 EQ 600 - officially rebuilding.

What survived:
Amex HH - 1.5K | Amex Delta - 1K | Amex Bonvoy - 1.5K | Amex BRG - 3.5K | Amex BRG - 3.5K | Amex Business Cash- 2K | Amex Business Plus - 2K
Message 10 of 11
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