Leah B.
Servant of All
Two thieves in one week! In the first instance, I don't care to go into detail. Please pray in Jesus's name that I am able to effectively stop this company from making fraudulent charges and without any further problems. In the second case, it's about Comenity Bank. Never heard of them until I opened up an Ulta Beauty credit card to get a discount on makeup when I went shopping with my friend on her birthday a few weeks ago. Now for what happened: First I got a letter from Comenity telling me I didn't qualify for a "lower interest rate" on my account in spite of the fact that my score is in the "very good" range. The reasons they gave were LAME. A few days later, I got the card in the mail. My last name is misspelled. More germane here, I found out that the interest is close to 27%. I almost gagged on my tea I was drinking when I read that. But to move on: I called Comenity and got the name issue straightened out [hopefully]. Got them to send me a new card with the correct spelling. You would think, "So far, so good" -- But NO. When I voiced my concerns over the whopping interest rates and asked the guy if they would actually lower them in the promised six-to-twelve months, he hung up on me! I immediately called back. I next got a woman who verified the new card is coming and so forth. Then when I asked her my questions about interest, she was courteous but really didn't know anything. She did point out if I pay on time, I won't be charged interest. I already knew that, but it's the PRINCIPLE of the thing. It is also the fact that I just lowered my credit rating by applying for a credit card I now will NEVER use that I really didn't need to begin with. But to move on, this just gets worse: I started to read up on this bank. Turns out they have a 1.0 rating. They have multiple, multiple BBB complaints and have been fined numerous times. Most concerning here, it seems they have a penchant for deliberately not processing payments so they can turn around and charge you late fees. If they do this to me, they will destroy my beautiful credit rating! Anyway, what I did was immediately pay off the 62 bucks I owe them. This payment was a month-and-a-half early. I have the record of payment and noted that they did in fact change the spelling of my name. I ask that you pray in Jesus's name that: 1. I get that new card in the mail soon. 2. They process my payment within the promised two days and do not pull their "late fee" scam on me. 3. I handle canceling this card at the exact right time. One concern I have is that canceling the card will put yet another ding in my credit rating. Another is that they will sneak in late fees or damage my credit rating in some way if I cancel. I know that sounds paranoid, but you would be thinking the same thing if you read all these horror stories. I am so tired of being lied to and ripped off. From what I can see, these people are predatory lenders. I don't understand how in spite of fines, class action lawsuits and complaints to state's attorneys general as well as on the federal level, they don't just get shut down. Anyway, thank you for praying 
. Imagine: All this hassle and worry because I wanted to save twenty bucks on a Clinique blusher and a tube of lipstick!
. Imagine: All this hassle and worry because I wanted to save twenty bucks on a Clinique blusher and a tube of lipstick!
