topic Re: Comenity Accounts Frozen for identity verification? in Credit Cards

Comenity Accounts Frozen for identity verification?

Anonymous — Sat, 02 May 2015 03:43:19 GMT

Has anyone had Comenity freeze all your accounts pending identity verification?

Got a suprise when I went to TrueValue today, my card was declined... Called customer service, and the automated system transfered me to account protection. I was then asked a ton of questions from my credit report and public records. At the end of the call, they told me I had to mail in 3 forms of Identification. I was told I could fax it, but their fax machines aren't that good and cannot read the DL or SSC information, and I would have to mail them in anyways.

Would have been nice if they called me before I went to get parts for my sink, lol.

Re: Comenity Accounts Frozen for identity verification?

gdale6 — Sat, 02 May 2015 03:42:09 GMT

This is common with them, just give them what they want. It would be nice if they were to call or otherwise notify someone of this but thats not how "security" works.

Re: Comenity Accounts Frozen for identity verification?

Anonymous — Sat, 02 May 2015 03:44:03 GMT

I made the remark that it would be nice to simply scan and email, but she said their systems cannot do that, lol.

Re: Comenity Accounts Frozen for identity verification?

Anonymous — Sat, 02 May 2015 04:56:32 GMT

Happened to me too. They asked me some identity questions and then re-opened my accounts. I didn't have to send anything in.

Seeing as I had 30 accounts with them, it took the rep about 20 minutes to manually re-open each account...lolz.

Re: Comenity Accounts Frozen for identity verification?

Anonymous — Sat, 02 May 2015 05:14:43 GMT

Yeah, I'm pushing 50 with them, lol.

Re: Comenity Accounts Frozen for identity verification?

happypill — Sat, 02 May 2015 05:28:06 GMT

How do you guys keep up with all those accounts!

Re: Comenity Accounts Frozen for identity verification?

Anonymous — Sat, 02 May 2015 05:42:46 GMT

@happypill wrote:
How do you guys keep up with all those accounts!

I use an Excell spreadsheet, Card issuers, numbers, credit lines, balances, available credit, due dates, minimum payments, so on. I have the balance tied to how much available credit there is in comparison to the credit limit, so I don't have to enter the balances along with available credit. Allows me to easily manage the 59 accounts I have listed on it. Also started my dad out with some new cards, so I watch his as well for him.

http://postimg.org/image/4qd47gqzp/

That pic is about a month old, have added $13K in accounts since then.

Re: Comenity Accounts Frozen for identity verification?

Anonymous — Sat, 02 May 2015 05:44:54 GMT

@Anonymous wrote:
Yeah, I'm pushing 50 with them, lol.

Lol, good Lord!

Re: Comenity Accounts Frozen for identity verification?

B335is — Sat, 02 May 2015 07:09:11 GMT

It seems like once people hit 30 or so Comenity accounts it's fairly common for them to freeze them all for additional verification. Unfortunately little can be done electronically through Comenity.

Re: Comenity Accounts Frozen for identity verification?

waiter — Sat, 02 May 2015 14:40:31 GMT

http://ficoforums.myfico.com/t5/Credit-Cards/UPDATE-Comenity-All-Accounts-Closed-Blocked-Total-ID/td-p/3789488

good luck.

Re: Comenity Accounts Frozen for identity verification?

Anonymous — Sat, 02 May 2015 15:05:43 GMT

Re: Comenity Accounts Frozen for identity verification?

Anonymous — Sat, 02 May 2015 18:13:08 GMT

You guys have got to be kidding. 30 and 50 Comenity accounts. OMG!

Re: Comenity Accounts Frozen for identity verification?

JSS3 — Sat, 02 May 2015 19:08:21 GMT

LOL@ Swampy99!

Re: Comenity Accounts Frozen for identity verification?

althes — Sat, 02 May 2015 19:49:55 GMT

I have 21, no big deal.

Re: Comenity Accounts Frozen for identity verification?

Anonymous — Sat, 02 May 2015 19:54:13 GMT

lol.

Re: Comenity Accounts Frozen for identity verification?

Anonymous — Mon, 11 May 2015 21:00:35 GMT

This must be why it just happened to me. I have about 25 cards with them. I use 3 of them regulary the rest are just put away. I only got so many because I needed to show more available credit...and it worked... raised me 30 points. I just paid all 3, in full last friday, today they were all frozen. The girl told me they need all this info, and it can't be faxed or emailed. Has to be snail mail. My score updates tomorrow, I have a feeling I am not going to like what I see. They had no problem taking $300 out of my bank account less than an hour ago, then they freeze me out. Nice!

Re: Comenity Accounts Frozen for identity verification?

Anonymous — Tue, 12 May 2015 06:22:40 GMT

@Anonymous wrote:
This must be why it just happened to me. I have about 25 cards with them. I use 3 of them regulary the rest are just put away. I only got so many because I needed to show more available credit...and it worked... raised me 30 points. I just paid all 3, in full last friday, today they were all frozen. The girl told me they need all this info, and it can't be faxed or emailed. Has to be snail mail. My score updates tomorrow, I have a feeling I am not going to like what I see. They had no problem taking $300 out of my bank account less than an hour ago, then they freeze me out. Nice!

I just mailed off my documents today. I sent them way more then they requested, including income verification. Want to cover all bases, so they dont come back again and demand income verification. They got my DL, my tribal ID which also has my picture on it, SS card and business card. Then I sent them my BofA Visa statement, checking account statement and my oldest Cap1 statement to show how long I've lived at this address. All of my accounts with them have reported CLOSED on my credit reports, I called them when I seen 2 of them reported as such, they told me they would all eventually be closed, but would be reopened once verification was complete. Found it a little odd, my scores went up with my accounts being reported as closed. Another funny thing, with everything being frozen, they approved me for a MasterCard late last week, and it too is frozen, lol. Today I got 44 letters in the mail telling me that "A review of your above-referenced credit card account revealed potential security concerns and/or irregular credit card transactions. We are writing to notify you that use of your credit card account has been suspended pending completiong of our investigation", lol.

Re: Comenity Accounts Frozen for identity verification?

Anonymous — Tue, 12 May 2015 13:40:31 GMT

@Anonymous wrote:
Today I got 44 letters in the mail telling me that "A review of your above.....

LoL.

Re: Comenity Accounts Frozen for identity verification?

Anonymous — Tue, 12 May 2015 14:16:20 GMT

I'm not that extreme, but have 11 Comenity cards. (3 visa and 8 store cards). (I did the mistake to open all the accounts last month, it was a stupid thing to do and I KNOW IT but it's to late now...)

I didn't use them, just the Sportsman Guide, for a few purchase, ($108, I then connected my bank account and paid the $108, everything was accepted).

Today got 11 letters in the mail, asking me for verifications and that my accounts are all close (saw that on my credit report 2 days ago, and limits was down to $0 on all my cards).

I called then and they need copy of DL, SSN, and utility statement... (I used the business address in DE, like i have with my bank accounts and credits cards, like this I get nothing at home), and I don't pay utlity at this location, so I asked if can send bank statement or other credit card statemet, but NO. Or If i can send utility from the home address... NO too.

So I don't really know what to do, maybe try to call them again or just let it go.... and keep my 11 close accounts for 10 years i guess!

Re: Comenity Accounts Frozen for identity verification?

Anonymous — Tue, 12 May 2015 16:08:01 GMT

@Anonymous wrote:
I'm not that extreme, but have 11 Comenity cards. (3 visa and 8 store cards). (I did the mistake to open all the accounts last month, it was a stupid thing to do and I KNOW IT but it's to late now...)

I didn't use them, just the Sportsman Guide, for a few purchase, ($108, I then connected my bank account and paid the $108, everything was accepted).

Today got 11 letters in the mail, asking me for verifications and that my accounts are all close (saw that on my credit report 2 days ago, and limits was down to $0 on all my cards).

I called then and they need copy of DL, SSN, and utility statement... (I used the business address in DE, like i have with my bank accounts and credits cards, like this I get nothing at home), and I don't pay utlity at this location, so I asked if can send bank statement or other credit card statemet, but NO. Or If i can send utility from the home address... NO too.

So I don't really know what to do, maybe try to call them again or just let it go.... and keep my 11 close accounts for 10 years i guess!

One of my conversations with them, the agent mentioned a birth certificate and phone bill. Different agents told me different things, so I would call and ask, maybe a lease from your business address saying utilities included?