myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

Comenity Card - no statements

tag
Get Access Now
rostrow416
Established Contributor
‎05-10-2021 05:36 AM
‎05-10-2021 05:36 AM

Comenity Card - no statements

Just wondering if this is normal:

 

My Comenity Mastercard hasn't had a statement generated since November.  I've used it every month for a recurring bill and pay it prior to statement cut.  I thought that since there was activity on the card (even though it ended at a $0 balance), that I should receive a statement.

 

Now this is pertaining to a paperless statement.  I can see my transactions listed, but no statements.  I only noticed this because I was curious what the APR on the card was and only had my November statement as the latest available.

AMEX Gold | Purdue FCU $20,000 | FNBO Evergreen $15,000 | TFCU Plat Visa $15,000 | PenFed Platinum Rewards $15,000 | PenFed Pathfinder $15,000 | Citizen's Bank Cash Back+ $15,000 | Synchrony Premier MC $10,000 | SG Visa $10,000 | NFCU MoreRewards $7,000 | NFCU cashRewards $17,000 | Discover IT $6,000 | Capital One BuyPower $950 | AMEX BCP $5,000 | AMEX Amazon Prime Business $3,000

B&H Payboo Card $15,000 | Amazon Prime Card $10,000 | PC Richard Card $15,000 | Target RedCard $2,000 | Walmart Store Card $1,400 | Shell Gas Card $1,200 | Overstock Store Card $7,000 | Kohl's Store Card $3,000


Spring Cleaning:
C̶a̶p̶i̶t̶a̶l̶ ̶O̶n̶e̶ ̶Q̶u̶i̶c̶k̶S̶i̶l̶v̶e̶r̶ ̶$̶1̶,̶0̶0̶0̶ | C̶r̶e̶d̶i̶t̶ ̶O̶n̶e̶ ̶V̶i̶s̶a̶ ̶$̶1̶,̶2̶0̶0̶ | M̶e̶r̶r̶i̶c̶k̶ ̶B̶a̶n̶k̶ ̶$̶2̶,̶7̶0̶0̶ | M̶a̶r̶v̶e̶l̶ ̶M̶a̶s̶t̶e̶r̶c̶a̶r̶d̶ ̶$̶1̶,̶̶2̶0̶0̶ | C̶o̶m̶e̶n̶i̶t̶y̶ ̶M̶a̶s̶t̶e̶r̶C̶a̶r̶d̶ ̶$̶1̶,̶1̶8̶0̶
Labels:
Message 1 of 19
18 REPLIES 18
GApeachy
Super Contributor
‎05-10-2021 05:54 AM
‎05-10-2021 05:54 AM

Re: Comenity Card - no statements

It's been my experience across several Comenity accts. that if it's a zero balance they won't issue a stmt. whether or not there was any previous activity. 

My Take Home Pay Don't Take Me Home
Message 2 of 19
rostrow416
Established Contributor
‎05-10-2021 06:06 AM
‎05-10-2021 06:06 AM

Re: Comenity Card - no statements

@GApeachy wrote:

It's been my experience across several Comenity accts. that if it's a zero balance they won't issue a stmt. whether or not there was any previous activity. 

Ok, thanks.  I thought it was a glitch.

AMEX Gold | Purdue FCU $20,000 | FNBO Evergreen $15,000 | TFCU Plat Visa $15,000 | PenFed Platinum Rewards $15,000 | PenFed Pathfinder $15,000 | Citizen's Bank Cash Back+ $15,000 | Synchrony Premier MC $10,000 | SG Visa $10,000 | NFCU MoreRewards $7,000 | NFCU cashRewards $17,000 | Discover IT $6,000 | Capital One BuyPower $950 | AMEX BCP $5,000 | AMEX Amazon Prime Business $3,000

B&H Payboo Card $15,000 | Amazon Prime Card $10,000 | PC Richard Card $15,000 | Target RedCard $2,000 | Walmart Store Card $1,400 | Shell Gas Card $1,200 | Overstock Store Card $7,000 | Kohl's Store Card $3,000


Spring Cleaning:
C̶a̶p̶i̶t̶a̶l̶ ̶O̶n̶e̶ ̶Q̶u̶i̶c̶k̶S̶i̶l̶v̶e̶r̶ ̶$̶1̶,̶0̶0̶0̶ | C̶r̶e̶d̶i̶t̶ ̶O̶n̶e̶ ̶V̶i̶s̶a̶ ̶$̶1̶,̶2̶0̶0̶ | M̶e̶r̶r̶i̶c̶k̶ ̶B̶a̶n̶k̶ ̶$̶2̶,̶7̶0̶0̶ | M̶a̶r̶v̶e̶l̶ ̶M̶a̶s̶t̶e̶r̶c̶a̶r̶d̶ ̶$̶1̶,̶̶2̶0̶0̶ | C̶o̶m̶e̶n̶i̶t̶y̶ ̶M̶a̶s̶t̶e̶r̶C̶a̶r̶d̶ ̶$̶1̶,̶1̶8̶0̶
Message 3 of 19
K-in-Boston
Epic Contributor
‎05-10-2021 07:27 AM
‎05-10-2021 07:27 AM

Re: Comenity Card - no statements

This has been my experience with the BJ's Elite Perks MasterCard  also.  No balance, no statement generated.  Kind of annoys me because I would like to see "$0.00 due on [insert date a few weeks from now]" when I log in instead.

Message 4 of 19
gdale6
Moderator Emeritus
‎05-10-2021 07:43 AM
‎05-10-2021 07:43 AM

Re: Comenity Card - no statements

It appears this practice may not be legal per the CFPB.

 

Excerpt: "Otherwise, you should generally receive a statement for every billing cycle in which your account has a credit or charge of more than $1, or on which a finance charge has been imposed. Notify your credit card company that you did not receive your monthly statement. You should also file a written billing error notice with the card company. Find out from the card company where to send this notice."

 

https://www.consumerfinance.gov/ask-cfpb/what-can-i-do-if-i-dont-receive-my-credit-card-bill-en-43/

Message 5 of 19
0 Kudos
GApeachy
Super Contributor
‎05-10-2021 09:37 AM
‎05-10-2021 09:37 AM

Re: Comenity Card - no statements

@gdale6 wrote:

has a credit or charge of more than $1, or on which a finance charge has been imposed.

 

(Yes- a charge/credit and/or finance charge >$1)

But like in OP's case, and mine too for that fact, we're at a 0 zero balance when stmt. would normally generate.

 

Below ss .... I didn't get a (Feb) stmt. which is indicated in (March) stmt. by reflecting a Feb. $0 balance  (1st ss)

 

Even though I did use the card in Feb, I paid it off early before Feb's stmt cut.  $0 balance.

 

Next ss shows a small balance on the next stmt. (April) as there was a charge still pending when the stmt. cut so I was unable to pif therefore  I did receive a stmt. 

 

I am like everyone else, I'd like a stmt. every month...whether they are billing me for an amt. or 0 amt.  I'd like one for my .pdf records.  The only time I find it useful not having received a stmt. is when I'm contemplating a cli request.  I log in and look to see that I've had 3 or 4 stmts. generated back to back.  That's kind of handy to me.  If I don't have at least 3 stmts. in a row, I don't beg for more. Smiley Tongue

 

 

My Take Home Pay Don't Take Me Home
Message 6 of 19
nwa479
Regular Contributor
‎05-10-2021 02:59 PM
‎05-10-2021 02:59 PM

Re: Comenity Card - no statements

I also noticed I don't get any statements on comenity cards.  This post gave me an idea.  I could push a small payment to Comenity MC account to see if it will cut a statement with a negative $5 balance.  That way I'd achieve 0 reported balance for AZEO and still get a statement.  

 

I also may switch to using Comenity as my AZEO card so that I always have a statement.  

 

 

 


Active cards

Goal Cards (Gardening until April 24)

My Fico Scores

Banks and Credit Unions:
Message 7 of 19
0 Kudos
chuckwood
Regular Contributor
‎05-11-2021 07:00 PM
‎05-11-2021 07:00 PM

Re: Comenity Card - no statements

I have one comenity card I have had for years and even if there was activity but the balance was $0 there has never been a statement. I even got a letter once saying that If I didn't use it they would close it even know I had used it a few times just not reported a balance. So now every 3 months or so I let a dollar report so I get the statement and it still shows 0 percent used on my reports. So far that has made them happy and no more letters

Message 8 of 19
nwa479
Regular Contributor
‎05-28-2021 03:07 PM
‎05-28-2021 03:07 PM

Re: Comenity Card - no statements

@chuckwood  I tried to report just a dollar this month hoping I'd get a statement for my Comenity MC.  They did a small balance adjustment to leave the balance at zero and still not report a statement.  

I may just call them to see how much I have to leave a balance for to get a statement.   

 


Active cards

Goal Cards (Gardening until April 24)

My Fico Scores

Banks and Credit Unions:
Message 9 of 19
0 Kudos
gdale6
Moderator Emeritus
‎05-28-2021 05:00 PM
‎05-28-2021 05:00 PM

Re: Comenity Card - no statements

@nwa479 wrote:

@chuckwood  I tried to report just a dollar this month hoping I'd get a statement for my Comenity MC.  They did a small balance adjustment to leave the balance at zero and still not report a statement.  

I may just call them to see how much I have to leave a balance for to get a statement.   

 

$1.01, according to DOC they write off <=$1.00 on statement day

Message 10 of 19
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.