topic Re: Comenity Didn’t Report In July in General Credit Topics

Comenity Didn’t Report In July

Gidgetmom — Thu, 11 Aug 2022 21:56:01 GMT

Has anyone else noticed that Comenity store cards didn't report for July?

I have 2 store cards that I got early in my rebuild, Bealls and Venus. In June, Bealls had a balance of $434 out of a $1400 CL and Venus had a balance of $67 out of a $1200 CL. July 6th, I paid them both off (I was able to pay online during the "outage" on their website). Both accounts show the payment processed and I have a zero balance. Comenity usually reports on the 25th of each month for me (if I've had any activity on the card). There have been months that it didn't report, but I also had no activity on a zero balance.

Just wondering if the recent "outage" had anything to do with this.

Re: Comenity Didn’t Report In July

Pway — Thu, 11 Aug 2022 22:08:20 GMT

When I had Comenity cards they only reported when there was a balance. They did not report when I had a zero balance.

Re: Comenity Didn’t Report In July

Gidgetmom — Thu, 11 Aug 2022 22:53:14 GMT

Well, that's messed up! Lol

Re: Comenity Didn’t Report In July

Iusedtolurk — Fri, 12 Aug 2022 09:19:13 GMT

@Gidgetmom wrote:
Has anyone else noticed that Comenity store cards didn't report for July?

I have 2 store cards that I got early in my rebuild, Bealls and Venus. In June, Bealls had a balance of $434 out of a $1400 CL and Venus had a balance of $67 out of a $1200 CL. July 6th, I paid them both off (I was able to pay online during the "outage" on their website). Both accounts show the payment processed and I have a zero balance. Comenity usually reports on the 25th of each month for me (if I've had any activity on the card). There have been months that it didn't report, but I also had no activity on a zero balance.

Just wondering if the recent "outage" had anything to do with this.

@GidgetmomI had a balance on mines and it didn't report for my Overstock. I believe it all has to do with the outage they were having.

They stated they were not going to charge any late fees if somehow you couldn't get payments to process or report anything negative due to their updating and whatever else they were doing so I believe they skipped the July reporting completely and everything should be back to normal this month for reporting.

Re: Comenity Didn’t Report In July

Suzette2 — Mon, 15 Aug 2022 19:14:27 GMT

@Gidgetmom wrote:
Has anyone else noticed that Comenity store cards didn't report for July?

I have 2 store cards that I got early in my rebuild, Bealls and Venus. In June, Bealls had a balance of $434 out of a $1400 CL and Venus had a balance of $67 out of a $1200 CL. July 6th, I paid them both off (I was able to pay online during the "outage" on their website). Both accounts show the payment processed and I have a zero balance. Comenity usually reports on the 25th of each month for me (if I've had any activity on the card). There have been months that it didn't report, but I also had no activity on a zero balance.

Just wondering if the recent "outage" had anything to do with this.

They haven't reported in August either.

Re: Comenity Didn’t Report In July

OmarGB9 — Tue, 16 Aug 2022 12:50:50 GMT

@Suzette2 wrote:
@Gidgetmom wrote:
Has anyone else noticed that Comenity store cards didn't report for July?

I have 2 store cards that I got early in my rebuild, Bealls and Venus. In June, Bealls had a balance of $434 out of a $1400 CL and Venus had a balance of $67 out of a $1200 CL. July 6th, I paid them both off (I was able to pay online during the "outage" on their website). Both accounts show the payment processed and I have a zero balance. Comenity usually reports on the 25th of each month for me (if I've had any activity on the card). There have been months that it didn't report, but I also had no activity on a zero balance.

Just wondering if the recent "outage" had anything to do with this.
They haven't reported in August either.

Supposedly they were going to report again on the 4th, but obviously that didn't happen.

Re: Comenity Didn’t Report In July

Iusedtolurk — Wed, 17 Aug 2022 07:43:01 GMT

@Suzette2 wrote:
@Gidgetmom wrote:
Has anyone else noticed that Comenity store cards didn't report for July?

I have 2 store cards that I got early in my rebuild, Bealls and Venus. In June, Bealls had a balance of $434 out of a $1400 CL and Venus had a balance of $67 out of a $1200 CL. July 6th, I paid them both off (I was able to pay online during the "outage" on their website). Both accounts show the payment processed and I have a zero balance. Comenity usually reports on the 25th of each month for me (if I've had any activity on the card). There have been months that it didn't report, but I also had no activity on a zero balance.

Just wondering if the recent "outage" had anything to do with this.
They haven't reported in August either.

@Suzette2 Mines has not reported for Aug yet either. Statement cut on the 10th. Guess they are still trying to get things back in order.

Re: Comenity Didn’t Report In July

Redforman1 — Wed, 24 Aug 2022 21:30:43 GMT

We have two cards that were paid down to zero last month, but nothing has reported since 6/19.
finally received a statement for one of them with $6 in interest charges a week ago, but still no updates.

These are the last two cards I'm waiting to report after spending $45k eliminating all debt last month, so it got frustrating enough that I finally submitted a dispute with EX yesterday.

side note - I did receive a $1200 CL increase on one last week. I was attempting to trigger a report.

Re: Comenity Didn’t Report In July

Redforman1 — Tue, 30 Aug 2022 12:38:10 GMT

Update for others that may be in a similar situation with Comenity:

I finally received both zero balance letters in the mail, but still no updates to the bureaus.

The disputes are both still open, and have been modified since I uploaded the letters.

Last updates 6/18 & 6/19, balances paid in full for both accounts 6/23.

CLI approved for one 8/12.

I'll probably make a thread soon outlining my 110+ point increase in 30 days, but still anxious to see what it looks like once the 97% & 33% utilization accounts report accurately.

Re: Comenity Didn’t Report In July

OmarGB9 — Tue, 30 Aug 2022 13:29:53 GMT

Yea they said they were supposedly reporting for July on August 4th, but that never happened. I'm still waiting as well - due to their outage/glitchy website, I accidentally double paid because I thought my first payment didn't go through since it didn't show up on the "scheduled payments" section. 🙄 So I guess now I'm a month ahead.

Re: Comenity Didn’t Report In July

Redforman1 — Tue, 30 Aug 2022 15:27:48 GMT

They told you more than they have told me over the phone. When I did finally get through for the zero balance letters the CSR did apologize, then threw out the best line "I'm sorry, I know how frustrating this is because I'm a customer too"

I paid over $40k in CC debt off in a two week period, and my updated score is being held hostage over $3400 in balances that were paid over 60 days ago.

Re: Comenity Didn’t Report In July

Suzette2 — Fri, 02 Sep 2022 11:58:03 GMT

@Gidgetmom wrote:
Has anyone else noticed that Comenity store cards didn't report for July?

I have 2 store cards that I got early in my rebuild, Bealls and Venus. In June, Bealls had a balance of $434 out of a $1400 CL and Venus had a balance of $67 out of a $1200 CL. July 6th, I paid them both off (I was able to pay online during the "outage" on their website). Both accounts show the payment processed and I have a zero balance. Comenity usually reports on the 25th of each month for me (if I've had any activity on the card). There have been months that it didn't report, but I also had no activity on a zero balance.

Just wondering if the recent "outage" had anything to do with this.

It's September now. They haven't reported since June.

Re: Comenity Didn’t Report In July

Redforman1 — Fri, 02 Sep 2022 15:19:57 GMT

@Suzette2 wrote:
@Gidgetmom wrote:
Has anyone else noticed that Comenity store cards didn't report for July?

I have 2 store cards that I got early in my rebuild, Bealls and Venus. In June, Bealls had a balance of $434 out of a $1400 CL and Venus had a balance of $67 out of a $1200 CL. July 6th, I paid them both off (I was able to pay online during the "outage" on their website). Both accounts show the payment processed and I have a zero balance. Comenity usually reports on the 25th of each month for me (if I've had any activity on the card). There have been months that it didn't report, but I also had no activity on a zero balance.

Just wondering if the recent "outage" had anything to do with this.
It's September now. They haven't reported since June.

What a deal. I didn't realize everyone has been waiting since June for updates.

Filing a dispute doesn't seem to expedite the process any either.

Re: Comenity Didn’t Report In July

su11ivan18 — Fri, 02 Sep 2022 15:20:49 GMT

@Suzette2 wrote:
@Gidgetmom wrote:
Has anyone else noticed that Comenity store cards didn't report for July?

I have 2 store cards that I got early in my rebuild, Bealls and Venus. In June, Bealls had a balance of $434 out of a $1400 CL and Venus had a balance of $67 out of a $1200 CL. July 6th, I paid them both off (I was able to pay online during the "outage" on their website). Both accounts show the payment processed and I have a zero balance. Comenity usually reports on the 25th of each month for me (if I've had any activity on the card). There have been months that it didn't report, but I also had no activity on a zero balance.

Just wondering if the recent "outage" had anything to do with this.
It's September now. They haven't reported since June.

They reported on June 25th for both my accounts - quite possible that it might be at the end of Sept (25th), at least in my case. Maybe check the date they last reported on your account(s).

Re: Comenity Didn’t Report In July

su11ivan18 — Fri, 09 Sep 2022 20:37:24 GMT

@Redforman1 wrote:
@Suzette2 wrote:
@Gidgetmom wrote:
Has anyone else noticed that Comenity store cards didn't report for July?

I have 2 store cards that I got early in my rebuild, Bealls and Venus. In June, Bealls had a balance of $434 out of a $1400 CL and Venus had a balance of $67 out of a $1200 CL. July 6th, I paid them both off (I was able to pay online during the "outage" on their website). Both accounts show the payment processed and I have a zero balance. Comenity usually reports on the 25th of each month for me (if I've had any activity on the card). There have been months that it didn't report, but I also had no activity on a zero balance.

Just wondering if the recent "outage" had anything to do with this.
It's September now. They haven't reported since June.
What a deal. I didn't realize everyone has been waiting since June for updates.
Filing a dispute doesn't seem to expedite the process any either.

My EX dispute closed/completed today and they updated my balance to $0. Even bumped my score 12 pts!

Re: Comenity Didn’t Report In July

Redforman1 — Fri, 09 Sep 2022 20:58:24 GMT

@su11ivan18 wrote:
@Redforman1 wrote:
@Suzette2 wrote:
@Gidgetmom wrote:
Has anyone else noticed that Comenity store cards didn't report for July?

I have 2 store cards that I got early in my rebuild, Bealls and Venus. In June, Bealls had a balance of $434 out of a $1400 CL and Venus had a balance of $67 out of a $1200 CL. July 6th, I paid them both off (I was able to pay online during the "outage" on their website). Both accounts show the payment processed and I have a zero balance. Comenity usually reports on the 25th of each month for me (if I've had any activity on the card). There have been months that it didn't report, but I also had no activity on a zero balance.

Just wondering if the recent "outage" had anything to do with this.
It's September now. They haven't reported since June.
What a deal. I didn't realize everyone has been waiting since June for updates.
Filing a dispute doesn't seem to expedite the process any either.
My EX dispute closed/completed today and they updated my balance to $0. Even bumped my score 12 pts!

That's awesome! I actually just got the alert that my second dispute has closed as well.

Looks like they are finally started to get caught up.

Re: Comenity Didn’t Report In July

805orbust — Mon, 12 Sep 2022 02:57:22 GMT

Just chiming in... checked both of my Comenity accounts and neither have reported since June... crazy. I put about $400 on my Legendary Pine MC a few days ago and it usually reports on the 13th so let's see.

Re: Comenity Didn’t Report In July

ajnavarro1125 — Wed, 14 Sep 2022 04:46:29 GMT

This is good to know! I think I'll have to file disputes as well. We're buying a home and Comenity is holding hostage my mortgage scores. Just like you, we worked hard toward paying off ~$45K in debt. We began in July, and since then my middle FICO 8 has risen from 601 to 724. My middle FICO 5,4,2 score went from 599 to 671 but should be higher because we paid off three Comenity accounts in July that have not yet been reported: BJ's card (from $9K to $0); RH card (from $4400 to $0); and Ballard (from $890 to $0). We truly believe that my mortgage scores would benefit considerably if only Comenity would report zero balances for these three accounts. It's incredibly frustrating! Might you have any tips for filing the disputes? Thanks so much in advance!

Re: Comenity Didn’t Report In July

Redforman1 — Wed, 14 Sep 2022 04:56:04 GMT

I have a membership with EX and filed my dispute there because it's simple on the app. Once those closed, the other bureaus updated within a couple of days.
They finally seem to be catching up, so your disputes may not take as long.

Comenity What Are You Doing?

Iusedtolurk — Wed, 14 Sep 2022 14:21:32 GMT

I know they were updating or going through something with their system a while back but it seems they still haven't got it together.

In fact they haven't updated credit reports for my Overstock account in so long I just got an alert from credit Karma inquiring.

It looks like you have a balance on your CCB/OVERST account.* Since you haven't used this account in the last 3 months, we want to make sure the balance belongs to you.

Check in with your account to make sure all the charges are yours. If anything looks suspicious, you can follow steps to file a dispute with Credit Karma's Direct DisputeTM tool.

It's not affecting me right now because I always leave a small balance on it. But if I was going AZEO it would be definitely a frustrating situation.

Hope they get it together soon.