topic Re: Has anyones comenity updated on reports recently? in Credit Cards

Comenity cards and recent frustrations

su11ivan18 — Sat, 03 Sep 2022 11:54:37 GMT

I have 2 cards with them (Bed Bath & Beyond / Overstock). I was lucky that I paid off my acccount before the website issues and there was no impact for making a payment. Now the 2 months and going w/o reporting. Anyone going to close their cards due to this? Thoughts? I’m keeping them but no interest in using them at this point out of frustration.

Re: Comenity cards and recent frustrations

SUPERSQUID — Sat, 03 Sep 2022 12:42:49 GMT

I also have 2 cards with them. Dont sweat late reporting a lot of cards do it. i see many of my various cards 1 or 2 months behind. one of my comenity cards the bread cash back amex is 2 months old and hasnt reported yet, also penfed is one of the snails in that regard, at least with me.

Re: Comenity cards and recent frustrations

OmarGB9 — Sat, 03 Sep 2022 15:40:24 GMT

No I won't close my Zales card, but I'm definitely not getting anymore Comenity cards, nor am I using my Zales card anymore. I'll just pay off my promo balance and leave it open for padding.

Re: Comenity cards and recent frustrations

blindambition — Sat, 03 Sep 2022 17:33:00 GMT

They'll hopefully get their system and rebranding sorted. There's no need to close. Take advantage of the card perks, just PIF before statement close.

Re: Comenity cards and recent frustrations

805orbust — Sat, 03 Sep 2022 18:45:11 GMT

Personally I find their payment websites the easiest to use when it comes to simplicity. Too bad I don't really use the (2) that I have.

Re: Comenity cards and recent frustrations

su11ivan18 — Sat, 03 Sep 2022 20:52:00 GMT

@blindambition wrote:
They'll hopefully get their system and rebranding sorted. There's no need to close. Take advantage of the card perks, just PIF before statement close.

Yes, exactly how I'm thinking as well

Re: Comenity cards and recent frustrations

su11ivan18 — Sat, 03 Sep 2022 20:53:09 GMT

@OmarGB9 wrote:
No I won't close my Zales card, but I'm definitely not getting anymore Comenity cards, nor am I using my Zales card anymore. I'll just pay off my promo balance and leave it open for padding.

Yes, pretty much exactly how I'm treating the situation as well.

Re: Comenity cards and recent frustrations

FireMedic1 — Sat, 03 Sep 2022 21:48:32 GMT

@su11ivan18BB&B are closing 150 stores. On the news yesterday. Just saying.

Re: Comenity cards and recent frustrations

TryItAgain — Sun, 04 Sep 2022 01:26:53 GMT

I got an email a few days ago...

I'm like **bleep**, I use it every 6 mos to keep buffer alive, 27k limit. So I quickly logged in and still said open.

I then purchased $6 socks to test it, went through fine. Called them they said they sent a lot of emails and cards out and most accounts were closed, but nm I see yours is still open.

2 days later, I get this...

What in the world is going on at this bank?

Closing new home build in few months, don't want any credit changes right now.

Re: Comenity cards and recent frustrations

OmarGB9 — Sun, 04 Sep 2022 03:26:06 GMT

@TryItAgain wrote:
I got an email a few days ago...

I'm like **bleep**, I use it every 6 mos to keep buffer alive, 27k limit. So I quickly logged in and still said open.

I then purchased $6 socks to test it, went through fine. Called them they said they sent a lot of emails and cards out and most accounts were closed, but nm I see yours is still open.

2 days later, I get this...

What in the world is going on at this bank?

Closing new home build in few months, don't want any credit changes right now.

Sounds like Comenity still can't get it together.

Re: Comenity cards and recent frustrations

UncleB — Sun, 04 Sep 2022 04:20:52 GMT

@TryItAgain wrote:
I got an email a few days ago...

I'm like **bleep**, I use it every 6 mos to keep buffer alive, 27k limit. So I quickly logged in and still said open.

I then purchased $6 socks to test it, went through fine. Called them they said they sent a lot of emails and cards out and most accounts were closed, but nm I see yours is still open.

2 days later, I get this...

What in the world is going on at this bank?

Closing new home build in few months, don't want any credit changes right now.

My god what a dumpster fire.

Comenity not reporting?

Mischa — Sun, 04 Sep 2022 14:29:12 GMT

I have 3 Comenity cards and none have reported to credit bureaus since June. 2 have a $0 balance so I'm not really worried about those. However, my Overstock card does have a balance on a 12 month 0% APR. I've made 3 monthly payments since it last reported and none have been reported.

I know they had a ton of issues with the transition to Bread in June/July. Thankfully I never had any issues with my payments processing like others did. Everything on their websites is up to date and accurate for my accounts.

Is anyone else having this issue with Comenity?

Re: Comenity not reporting?

805orbust — Sun, 04 Sep 2022 15:03:24 GMT

I've got 2 of their cards. Never had an issue. I feel their websites and making payments very easy... better than pretty much everyone else. DEFINITELY can't have everything all in one place 🤣

Re: Comenity not reporting?

SDMarik — Sun, 04 Sep 2022 20:26:38 GMT

@Mischa wrote:
I have 3 Comenity cards and none have reported to credit bureaus since June. 2 have a $0 balance so I'm not really worried about those. However, my Overstock card does have a balance on a 12 month 0% APR. I've made 3 monthly payments since it last reported and none have been reported.

I know they had a ton of issues with the transition to Bread in June/July. Thankfully I never had any issues with my payments processing like others did. Everything on their websites is up to date and accurate for my accounts.
Is anyone else having this issue with Comenity?

Yes, I am having this issue. I have a Comenity card that has not reported since June, It has $80 on it and is my last card to complete ACZEO so it's super frustrating that it isnt updating :/

I also never got an August Statement, and my cut date for Aug was almost a month ago.

Re: Comenity not reporting?

Suzette2 — Sun, 04 Sep 2022 22:39:40 GMT

@Mischa wrote:
I have 3 Comenity cards and none have reported to credit bureaus since June. 2 have a $0 balance so I'm not really worried about those. However, my Overstock card does have a balance on a 12 month 0% APR. I've made 3 monthly payments since it last reported and none have been reported.

I know they had a ton of issues with the transition to Bread in June/July. Thankfully I never had any issues with my payments processing like others did. Everything on their websites is up to date and accurate for my accounts.

Is anyone else having this issue with Comenity?

My cards have not reported since June. I let one report 14$ in august to test the waters thinking it was because my cards had 0 balances. Zip. No reporting

Re: Comenity cards and recent frustrations

2b2rich — Mon, 05 Sep 2022 00:45:23 GMT

@FireMedic1 wrote:
@su11ivan18BB&B are closing 150 stores. On the news yesterday. Just saying.

Something bad is going on. Their CFO jumped from the Tribeca skyscraper there in NY on Friday. Very sad.

Re: Comenity cards and recent frustrations

su11ivan18 — Mon, 05 Sep 2022 01:02:55 GMT

@2b2rich wrote:
@FireMedic1 wrote:
@su11ivan18BB&B are closing 150 stores. On the news yesterday. Just saying.
Something bad is going on. Their CFO jumped from the Tribeca skyscraper there in NY on Friday. Very sad.

Just read it…wow. Saw he just sold over 55k in shares (1.4M) and still had over 255k left. Crazy situation.

Re: Comenity cards and recent frustrations

2b2rich — Mon, 05 Sep 2022 02:36:34 GMT

@su11ivan18 wrote:
@2b2rich wrote:
@FireMedic1 wrote:
@su11ivan18BB&B are closing 150 stores. On the news yesterday. Just saying.
Something bad is going on. Their CFO jumped from the Tribeca skyscraper there in NY on Friday. Very sad.
Just read it…wow. Saw he just sold over 55k in shares (1.4M) and still had over 255k left. Crazy situation.

When I first read that they were closing so many stores, I figured it was because they wanted to maybe begin phasing most of their sales to online shopping the way many others are doing. Idk is hat happen but I've always liked their stores.

Re: Comenity not reporting?

Redforman1 — Tue, 06 Sep 2022 14:36:20 GMT

I'm in the same boat waiting on two comenity cards to report a zero balance for AZEO.
They both last updated 6/19. One had 78% utilization (we made a large purchase and missed the cutoff), the other is reporting at 29%.

This issue has been reported in a few threads here, so my assumption is nobody has received updates since June.

I've tried calling, sending secure messages, disputing with EX, calling again, sending more secure messages, and overnighting them a copy of the zero balance letters they finally mailed me a month after requesting.

We paid off somewhere in the neighborhood of $40k in debt in preparation of house shopping, so my frustration with not knowing what my actual mortgage score will be is driving me crazy. I'm currently a few points off of 760 middle and I feel like that 78% utilization is the killer.

I'm not asking my lender for a rapid because we are still early in the shopping process.

Re: Comenity not reporting?

su11ivan18 — Tue, 06 Sep 2022 14:42:36 GMT

@Redforman1 wrote:
I'm in the same boat waiting on two comenity cards to report a zero balance for AZEO.
They both last updated 6/19. One had 78% utilization (we made a large purchase and missed the cutoff), the other is reporting at 29%.

This issue has been reported in a few threads here, so my assumption is nobody has received updates since June.

I've tried calling, sending secure messages, disputing with EX, calling again, sending more secure messages, and overnighting them a copy of the zero balance letters they finally mailed me a month after requesting.

We paid off somewhere in the neighborhood of $40k in debt in preparation of house shopping, so my frustration with not knowing what my actual mortgage score will be is driving me crazy. I'm currently a few points off of 760 middle and I feel like that 78% utilization is the killer.
I'm not asking my lender for a rapid because we are still early in the shopping process.

Yea, so frustrating! Almost the exact same situation with the exception of the house purchase - fortunately we purchased last year. Seems like a ton of people filing disputes (myself included) and it's seemingly doing nothing. Annoying.