topic Re: Victoria's Secret (Comenity) Account Fraud 🤬 in Credit Cards

Victoria's Secret (Comenity) Account Fraud 🤬

Anonymous — Tue, 17 Mar 2020 17:52:38 GMT

Hey Everyone. I'm not sure if this is the right forum topic to post this in or not. I just used my Victoria's Secret card for the first time in a few months. I logged into my online account (Comenity) and see that on the same day that I made my transaction, someone else used my card number to make a $100+ transaction. I have already contacted Comenity and they initiated their 90d investigation and froze the card number. Just wondering if anyone else has experience dealing with Comenity on fraudulent transactions. Thanks.

Re: Victoria's Secret (Comenity) Account Fraud 🤬

Anonymous — Tue, 17 Mar 2020 18:03:07 GMT

The saga continues... oh how I love Comenity Bank. I went to login to my online portal. Not so fast. Apparently, as part of their fraud resolution process, they delete your online portal access. Why? No idea. They won't tell you much. I asked them how I get my portal access back. Apparently, you have to wait for the new card to come in the mail and create an entirely new online account. Does this reset the age of the account? It better not. Will I be able to see my account history? They are not sure.

Re: Victoria's Secret (Comenity) Account Fraud 🤬

blindambition — Tue, 17 Mar 2020 18:18:11 GMT

@Anonymous wrote:
The saga continues... oh how I love Comenity Bank. I went to login to my online portal. Not so fast. Apparently, as part of their fraud resolution process, they delete your online portal access. Why? No idea. They won't tell you much. I asked them how I get my portal access back. Apparently, you have to wait for the new card to come in the mail and create an entirely new online account. Does this reset the age of the account? It better not. Will I be able to see my account history? They are not sure.

Sorry to hear about your fraud issue. Hope they resolve quickly. I understand locking your account. That protects you, but creating new account just seems ridiculous. GL2U

Re: Victoria's Secret (Comenity) Account Fraud 🤬

Anonymous — Tue, 17 Mar 2020 18:20:52 GMT

@blindambition wrote:
Sorry to hear about your fraud issue. Hope they resolve quickly. I understand locking your account. That protects you, but creating new account just seems ridiculous. GL2U

Thanks for your response. I don't understand half of what Comenity Bank does. I really hope someone buys them out, or at least the companies I have cards established with, move to another company. lol.

Re: Victoria's Secret (Comenity) Account Fraud 🤬

AverageJoesCredit — Tue, 17 Mar 2020 18:33:41 GMT

Sorry to read sbout this, hope it gets resolved. Any chance your type can be larger? Very difficult to read on mobile. Sorry, im getting old and my eyes dont capture the life as they once did lol

Re: Victoria's Secret (Comenity) Account Fraud 🤬

Anonymous — Tue, 17 Mar 2020 18:37:49 GMT

It doesn't look small on mine, so... lol. I hope this gets resolved too. I honestly don't understand the top secret resolution process they have. Never seen anything like it. Right now, I am in limbo with them. I suppose when the new card comes in and I create a new online portal, I'll know where I stand.

Re: Victoria's Secret (Comenity) Account Fraud 🤬

FireMedic1 — Tue, 17 Mar 2020 21:56:02 GMT

See if you can find out which store was used to make the transaction. If its the same place. Well the cashier might be wearing a new nightie. Never know.

Re: Victoria's Secret (Comenity) Account Fraud 🤬

Anonymous — Wed, 18 Mar 2020 01:07:20 GMT

@FireMedic1 wrote:
See if you can find out which store was used to make the transaction. If its the same place. Well the cashier might be wearing a new nightie. Never know.

That's a great point @FireMedic1. Unfortunately, they would not tell me anything more than it was a web based transaction. What's startling about that, is how someone got my card number entered on their website. Not very secure.

Re: Victoria's Secret (Comenity) Account Fraud 🤬

Anonymous — Wed, 18 Mar 2020 02:36:12 GMT

I've always wondered if a lot of these identity theft/credit card fraud are inside jobs. Example, the customer service rep writes down someone's personal info and/or card number on a Post-it note and then when they leave their job they "have fun".

Re: Victoria's Secret (Comenity) Account Fraud 🤬

Anonymous — Wed, 18 Mar 2020 02:29:40 GMT

Anything is possible. Whoever it was, ordered a lot of fragrance items. I just wish that Comenity had a not so archaic process of dealing with it.

Re: Victoria's Secret (Comenity) Account Fraud 🤬

blindambition — Wed, 18 Mar 2020 02:39:12 GMT

@Anonymous wrote:
I've always wondered if a lot of these identity theft/credit card fraud are inside jobs. Example, the customer service rep wrotes down someone's personal info and/or card number on a Post-it note and then when they leave their job they "have fun".

I used to be a retail manager for the old company that VS was under. Yes, there's internal and external theft. The security departments are extremely advanced. If inside, pretty easy to pinpoint When, Where, How?

Re: Victoria's Secret (Comenity) Account Fraud 🤬

AverageJoesCredit — Wed, 18 Mar 2020 13:29:12 GMT

To this day i still believe my Sams Club card fraud was inside job since it happened basically as soon as i did my in store app. Even though fraud happened in Cali, well, just my suspicion.

Re: Victoria's Secret (Comenity) Account Fraud 🤬

outofcredit — Wed, 18 Mar 2020 14:40:14 GMT

I had a situation last year where apparently fraudulent charges were made on my VS account. I never actually saw the charges or activity on my account page. I received a call from Comenity's fraud department asking if I had used my card the previous day for multiple purchases well over $100. I told them no, and that my daughter who is an AU user also hadn't made any purchases. The representative told me that they were closing that particular account and reissuing a new card with a new account number immediately. I received the new card in a few days, had to set up new login which now requires 2-step validation. Everything from the previous account transferred over, age of account, and prior authorized charges. Never saw any fraudulent charges actually post to the account. Only issue I've had since then is that on my Experian credit report both the old and the new accounts are listed as open. TU and EQ both list old account as closed with zero balance. I haven't contacted EX yet to have the old account removed and it hadn't updated since last June.

Re: Victoria's Secret (Comenity) Account Fraud 🤬

Anonymous — Wed, 18 Mar 2020 15:03:16 GMT

@outofcredit wrote:
I had a situation last year where apparently fraudulent charges were made on my VS account. I never actually saw the charges or activity on my account page. I received a call from Comenity's fraud department asking if I had used my card the previous day for multiple purchases well over $100. I told them no, and that my daughter who is an AU user also hadn't made any purchases. The representative told me that they were closing that particular account and reissuing a new card with a new account number immediately. I received the new card in a few days, had to set up new login which now requires 2-step validation. Everything from the previous account transferred over, age of account, and prior authorized charges. Never saw any fraudulent charges actually post to the account. Only issue I've had since then is that on my Experian credit report both the old and the new accounts are listed as open. TU and EQ both list old account as closed with zero balance. I haven't contacted EX yet to have the old account removed and it hadn't updated since last June.

Thanks for this information. I am not thrilled to hear there is a chance both the old and new account may report to the credit bureaus with one showing as closed. Are you sure that is not screwing with the AAOA?

Re: Victoria's Secret (Comenity) Account Fraud 🤬

outofcredit — Wed, 18 Mar 2020 15:38:27 GMT

No, my AAOA isn't effected. Both accounts are showing the same original correct open date. The duplicate account with the credit limit still showing is actually helping my overall utilization (padding) on EX. I'll contact EX to have it corrected at some point, just haven't got around to it yet.

Re: Victoria's Secret (Comenity) Account Fraud 🤬

Anonymous — Thu, 17 Dec 2020 11:39:39 GMT

Hello everyone , do they tell you the person who committed fraud on your account ?

Re: Victoria's Secret (Comenity) Account Fraud 🤬

GApeachy — Thu, 17 Dec 2020 11:59:25 GMT

No, they won't tell you.