Annoying and Frustrating Comenity Experience

[chalupaman]

So several weeks ago, I applied for their Virgin Comenity Visa card and there was a HP done on my EQ report and I've been waiting a while for the letters to come in and those never arrived at all and after having to hear a generic response from a CSR about needing a letter, I was finally able to get through to a supervisor and he kept telling me that they can't do anything because there's a security freeze on my EQ report despite the fact that there was already a HP done when I applied. He said something like we see that we did pull your report then but we can't see any credit information to make a decision so you need to have that freeze removed and reapply again.

I really hope they aren't like this with their other products and quite frankly, I'm really annoyed at this whole process of theirs.

[CreditMagic7]

Well, i got the run around after closing the first 2 cards of theirs.

Guess they didn't want to see anymore and i mean i had to go around to the side door to get it done.

Calling to the back of the card yielded nothing and i tried calling the credit depot and never got thru.

What i did do was call the number for one of their visa branded cards that i don't have and then they were able to close them out.

I wasn't very happy to have to do a long dance just to close out a store card. Bahhhh

[Anonymous]

Lol wow. They give you fuss for closing store cards?

[chalupaman]

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@CreditMagic7 wrote:

Well, i got the run around after closing the first 2 cards of theirs.

Guess they didn't want to see anymore and i mean i had to go around to the side door to get it done.

Calling to the back of the card yielded nothing and i tried calling the credit depot and never got thru.

What i did do was call the number for one of their visa branded cards that i don't have and then they were able to close them out.

I wasn't very happy to have to do a long dance just to close out a store card. Bahhhh

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Geez they sound like a bunch of jokers, 100x worse than Citi reps which I already found bad enough. At least Sync Bank stuff usually has an option right there in the login to close the account.

[CreditMagic7]

Yeah, and i haven't forgot after just getting the Vitacost MC how in only 3 months they closed up shop on that one and the HP is still there.

[B335is]

Gee, Comenity hard pulling EQ then saying denied due to security freeze. Been there done that. They told me "all the CRA speak to each other, so none can be frozen." I must sound really dumb on the phone.

Goodluck, there's like 2 reasonable people in that entire building.

[chalupaman]

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@B335is wrote:
Gee, Comenity hard pulling EQ then saying denied due to security freeze. Been there done that. They told me "all the CRA speak to each other, so none can be frozen." I must sound really dumb on the phone.

Goodluck, there's like 2 reasonable people in that entire building.

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Were you able ever to get through to anyone there? I'm not really gonna bother and I think I'll stay away from other comenity products outside of their BML stuff.

[B335is]

No I didn't get anyone with an understanding that EX and EQ are separate. I did manage to get them to remove the inq.

[gdale6]

I would ask them to remove the inquiry if they wont then I might just try a CFPB complaint.

[chalupaman]

Alright. I'll call someone at Comenity to have that inquiry removed. Can't believe the incompetence there.