Comenity and Overstock...

[Creditaddict]

Called Comenity Recon this morning and kept getting Voicemail after holding a bit.

Called Overstock Credit Customer Service and asked for Account Protection.

She wanted to know why I would go there if I did not have an account.

I said because I applied for another Comenity Card BEFORE the overstock card and already received denial letter so I assume my Overstock application is pending Account Protection Verification.

She gave me 866-496-9774 New Accounts to call about it.

Quick conversation with that lady and she said she would get me to Fraud Department

I held and held and held and after 36 Minutes Account Protection picked up!!!!

At first she didn't understand why I came to her if I didn't get a letter but when I told her I probably didn't get the usual introduction from the new accounts lady that just transferred me because of how busy you are as I have been on hold for 36 minutes to get to you.

She was like, OH MY, I'm sorry, I did find your application... can I verify some things.

Placed on hold again...

PENDING

I was like WHAT?!

she was like I took care of everything on my end and now it's been sent BACK to the bank to finish processing!

I was like to process or it's denied and you can't tell me that!

she said oh no, it's not denied, but it needs prcoessing now.

HMMM, I don't know that I believe that... I always get instant decision after verification in Account Protection.

SIGH!

[uswala]

I guess every lender is different! May be they work department wise and each department will do only what they are supposed to do

[Anomalous]

I surely hope you get something in the mail within the next fews days. Good luck!

[Anonymous]

I've talked to Commenity's "account protection" team before too.

It also happened to be related to my Overstock card but it happened when I tried to place an Overstock order.  In the end, everything worked out fine.

I am guessing Overstock has more security measures in place than the other Commenity cards.

[Scott_S]

I think Overstocks application has a bug.  When I click on the link to apply for the card the page immediately goes to 10 day message everytime.  It doesn't matter that browser I use or computer.  The only way I can actually fill out and submit the application is to create an new account with unique email address.  I get denied everytime I do, but there's definetly something not right with their app.

[B335is]

Comenity Acct Protection team is lile a group of 5 year olds playing with Matchbox cards. I just spent 30 minutes on the phone with them and every time i asked for escalation, i believe they passed the phone around the cubicles. The EO was just as unhelpful.

CA,
At least yours is pending. These idiots cant even figure out the purpose of a security freeze. I should probably step away from the computer i am so annoyed by the incompetence of that outfit. Good luck i hope it works out in your favor.

[Anonymous]

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@Creditaddict wrote:

Called Comenity Recon this morning and kept getting Voicemail after holding a bit.

Called Overstock Credit Customer Service and asked for Account Protection.

She wanted to know why I would go there if I did not have an account.

I said because I applied for another Comenity Card BEFORE the overstock card and already received denial letter so I assume my Overstock application is pending Account Protection Verification.

She gave me 866-496-9774 New Accounts to call about it.

Quick conversation with that lady and she said she would get me to Fraud Department

I held and held and held and after 36 Minutes Account Protection picked up!!!!

At first she didn't understand why I came to her if I didn't get a letter but when I told her I probably didn't get the usual introduction from the new accounts lady that just transferred me because of how busy you are as I have been on hold for 36 minutes to get to you.

She was like, OH MY, I'm sorry, I did find your application... can I verify some things.

Placed on hold again...

PENDING

I was like WHAT?!

she was like I took care of everything on my end and now it's been sent BACK to the bank to finish processing!

I was like to process or it's denied and you can't tell me that!

she said oh no, it's not denied, but it needs prcoessing now.

HMMM, I don't know that I believe that... I always get instant decision after verification in Account Protection.

SIGH!

---

Ridiculous! Anybody who can keep 65 credit cards in good standing should be able to get any card he wants!

[gwizdak24]

Question- did you apply using the shopping cart trick? 

[Creditaddict]

No, couldn't get it

[Creditaddict]

Called back just now to new accounts who couldn't find an account or application (she sounded overseas and kept repeating herself asking if I received a letter from them?)

As I stated the first 3 times you asked me that I have not received a letter.

Then after she couldn't find anything and I stated that I talked to Account Protection previously about the application and they had it but then told me it was still processing she decided she would transfer me to them again since she knew nothing else...

They clearly need to hire more poeple to handle all the cards they offer now... waited 15 minutes.

Once again it's like pulling teeth without a letter "I can try to locate if you have an application with us"

Umm, I assure you I have an application with you all!

he finally agreed to take my social to even look!

AND THEN HUNG UP ON ME when he coudln't find anything and didn't know what to do!!