These are hard-coded rules that cant be overturned. Visiting your address at a reasonable time of the day or sending letters via mail. @WalletHub 03/18/21 This answer was first published on 03/18/21. Simply call the reconsideration line and offer to move credit from one of your existing cards to this new account. When I asked what the denial reason meant, I was told that if you had a previous account closed etc, the system doesnt behave as required and issues a denial. To increase your chances of a Comenity credit limit increase, you should keep your account in good standing by paying your credit card bills on time and preferably in full, every month. Many credit card applicants receive a decision within minutes, but it can take longer if the issuer needs more information or if its a close call between approval and rejection. Welcome to Account Center. You can call Comenity Bankto verify the authenticity of the calls you are receiving or call us at (877)700-5790 to stop Comenity Bank harassment. Issuers tend not to extend automatic increases until youve had a card for at least six months. Requesting a credit limit increase could really wind up hurting your credit score if you use the extra spending power to rack up debt you cant afford to repay. Just keep in mind that each credit card issued by Comenity has a different sign-in portal, as well as a different customer service phone number. Issuers arent just being paranoid, either. Editorial and user-generated content is not provided, reviewed or endorsed by any company. The Forever 21 credit Card powered by Comenity allows consumers to earn rewards and put those rewards toward future purchases. However, there are some Comenity credit cards that require a credit score of 700 or better (good credit). Most peoples credit scores will bounce back from a credit card application in about six months. Seams like for me store card I het with a low limit, 250 to 350 were as Sportmens Guide 1k with a 690 EQ and Vitacost Mastercard 7.5k with an EQ 719, about two mounts apart. Just keep in mind that every card has a minimum amount of credit you can have on it (usually $1,000 or more), so you'll have to move enough to . Visiting you at places you have not allowed access to, such as your workplace or residence. Outside of the current welcome bonus, youre only earning higher rewards on specific airfare and hotel purchases, so its not a great card for other spending categories. Stop Barclays Bank Phone Harassment. However, after calling an agent and having his application manually reviewed, Amex saw that he did (in fact) have an open slot for the Delta Reserve, and he was approved. One of the easiest U.S. Bank credit cards to get is the U.S. Bank Secured Visa Card, which accepts applicants with bad credit and has a $0 annual fee. read full answer. Uber Cash and Uber VIP status is available to Basic Card Member only. He lives in southern California. Debunking credit card myths: What can you do if your application isnt immediately approved? How can I check my U.S. Bank application status? this virgin seems to be the toughest! More Details Rewards Terms & Conditions. The same concept applies if you have been added as an authorized user and an automated system flags these new accounts as being your own, thus considering you to be over Chase's 5/24 rule. 8 ways to maximize your chances of being approved for a credit card, sign-up bonuses or welcome offers worth more than $1,000. To get approved for a high limit credit card, you will need good to excellent credit and proof that you can afford a high spending limit. You can find yours on the back of your credit card. You can only check yourComenity Bank credit cardapplication status by phone. Wallethub doesnt charge for this service. Offer is exclusive to Comenity Mastercard Credit Card holders enrolled in the Comenity Rewards program. While credit card issuers still employ human underwriters, most application decisions are made automatically by a computerized system that can make mistakes. $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline. Also, if your income goes up in the future, be sure to update your credit cards information, as this could help get you a higher credit limit. If you are on the receiving end of Comenity bank debt collection calls, but you do not remember incurring any debts, with Comenity bank or any of its affiliated merchants, then you may be falling victim to one of the many reported Comenity bank scams. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. However, there are some exceptions. Applied for the Citi Premier 60k online offer and was denied. Information on WalletHub Answers is provided as is and should not be considered financial, legal or investment advice. People also ask U.S. Bank Minimum Credit Score Requirements by Card: Meeting the U.S. Bank credit score requirements does not guarantee your approval for a U.S. Bank credit card. Alternatively, you can apply for a secured card that offers better approval odds. With Headquarters in Columbus, Ohio, Comenity bank is one of the major credit card companies in the United States today. What is the easiest U.S. Bank credit card to get? How bad is it to get denied for a credit card? unlimited cash back everywhere Mastercard is accepted. Paid as a statement credit.2 1.5% unlimited cash back everywhere Mastercard is accepted. Debt collectors are prohibited from misrepresenting their identity by posing as an officer of the court. Are you currently receiving debt recovery calls from Comenity Bank and wondering how to stop the harassment stemming from these? Inform the caller that the alleged debt has already been resolved or discharged into bankruptcy. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. If Comenity keeps calling, then you should know that Comenity Bank collections are a normal and routine part of the debt collection process. Do Not Sell or Share My Personal Information. I'm sorry to hear that they couldn't change their mind. American Express, Capital One and Wells Fargo will not. Lets say your spouse or partner opens a Chase Sapphire Preferred Card and adds you as an authorized user to help meet the minimum spending requirement. Stopping Comenity bank phone calls is very possible; the process is made miles easier with the right team of debt collection professionals on your side. Secured cards build credit just like unsecured credit cards, but secured cards tend to be much easier to get approved for. We are committed to being fully transparent with our readers. This answer was first published on 09/08/21 and it was last updated on 09/10/22. Comenity Capital Bank Columbus, Ohiomay be guilty of debt collection harassment. Standard message rates apply. Does requesting a credit limit increase hurt your score? Use primary cardmember information to activate your card and register to make online payments, redeem cash-back rewards and more. The bank also makes provisions for loyal Victorias Secret customers to get the PINK Credit card. You may be asking. Our points-obsessed staff uses a plethora of credit cards on a daily basis. The Ultamate Rewards Mastercard is the credit card offered to Ulta Beauty by Comenity bank and it can be used at any Ulta Beauty and anywhere else that Mastercard is accepted. That way, you can be approved without the bank having to extend you any new credit. Start shopping, earning and saving right away. Got my letter and called back got Lynn again (I ended up really laughing with her and really like her EVEN though she wouldn't overturn it still). Its very important to have this piece of information before you call the reconsideration line so you can politely explain to the agent why the concerns the bank raised arent relevant and you would, in fact, make a great customer. Comenity Bank debt collection is a pretty uncomfortable place to be in. A professional can help you navigate the different aspects of your debt better and also help you deal realistically with the issue of harassment, thus: Addressing your distress directly and helping reduce the stress you are likely to encounter. If youre trying to build credit and your most recent credit card application has been denied, you dont need to let six months pass before you apply for a. . Color me surprised have a score of above 780 and havent applied for a card in over 18 months. They require at least good credit. Used to have $10k+ credit line as an AU on the deprecated Chase Sapphire. Theyll always ask basic verification details before probing further. This bank does not expedite credit fraud investigation reported by credit card owners. They are not allowed to issue threats to have you arrested or to take away your property for the fulfillment of the debt. American Express has lately used a system where the phone rep you speak to will simply resubmit your application with a sentence or two of notes, asking for it to be reevaluated. Learn more. I called to follow up on my Virgin America Denial that was "being sent for reconsideration or risk something last time I spoke with someone". WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. If you still receive unpleasant messages and phone calls from Comenity Bank collection agency even after you have told them to desist from contacting you, then you may have grounds on which to sue them for debt collection harassment. The Credit Card Accountability Responsibility and Disclosures Act (CARD Act) of 2009 requires issuers to explain to you in writing the reason your application was rejected. To write a cease-and-desist letter, all you have to do is write your name and address, write the debt collectors name and address, the reason why you would like them to stop the harassment, and send it via certified mail. Interested in more credit card news and advice from The Points Guy? If they feel you can afford an increase and refrain from abusing the added spending power, they may automatically grant a credit limit increase without you asking. WalletHub Answers is a free service that helps consumers access financial information. And in the long term, a limit increase has the potential to bring your score higher. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. Secured cards build credit just like unsecured credit cards, but secured cards tend to be much easier to get approved for. But that effect can be compounded by multiple hard pulls in a short period of time. You will typically only have a shot at overturning a denial if you can prove that your financial profile is better than it appeared on your initial application. The sooner you get one and start using it responsibly, the better for your credit. Improve earnings, maximize rewards and track progress toward dream trips. You may get lucky and get your denial reversed. Tell them that it may be a mix-up somewhere and politely ask that they look into it. Examples of records to review involve old account statements and copies of canceled checks. Humans and computers think in different ways, and if your application was going to get approved eventually (even if you had to wait a week), its better to let that play out without putting additional eyes on your file. Victoria's Secret Accounts are issued by Comenity Bank. They say Your credit reports show three late payments, your reply could be Ive held card X with your bank for six years and never had any late payments. How do I contact the Bank of America Travel Rewards Card reconsideration line? The supervisor was able to do a manual review and approve me for the card.. American Express: 1-877-399-3083 (new customers), 1-866-314-0237 (existing customers). Best card for premium perks while traveling, Capital One Venture X Rewards Credit Card, The Business Platinum Card from American Express, The best adults-only hotels and resorts in Europe. This site gives access to services offered by Comenity Bank. In addition, getting any kind of credit limit increase adds to the total credit you have available, which can lower your. What is the best time to call ? In the interests of our readers you can find out what shopping portal is offering the best rates on eBay here&Amazon here. Crediful. Most U.S. Banks co-branded credit cards require good credit, or a credit score of at least 700. Citi will notify you when you call if they will generate a hard inquiry or a soft inquiry, which does not affect your score. How much longer until this BK item fall off? -Being the first to get notified about sales and special events. Now will be the best time to get your attorney involved if you are facing non-ending harassment from the Comenity phone calls you receive, despite making several attempts to get them to stop. Sometimes it's worth a large investment to reap the benefits of a great credit card. Keep in mind that if you do use our links, you wont be able to earn cash back/miles/points from shopping portals. @bogdan_roberts 07/01/22 This answer was first published on 06/25/21 and it was last updated on 07/01/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. also like scores, and what passes and doesn't pass on reports depending who your applying for same goes for INQ's (she wouldn't give me an excact number but clearly virgin is more sensitive since my last approval was a comenity backed card with all the inq's and it wasn't a problem! Since the company has an in-house collection and billing department, Comenity bank debt collection harassment and comenity bank phone harassment have become very common among consumers who owe unsettled debts to the company. IKEA Visa credit card Credit Card Accounts are issued by Comenity Capital Bank. WalletHub is not a financial advisor, law firm, lawyer referral service, or a substitute for a financial advisor, attorney, or law firm. Requesting a credit limit increase can hurt your score, but only in the short term. Then, wait until youre connected to a representative to inquire about your application. Simply call the reconsideration line and offer to move credit from one of your existing cards to this new account. , meaning you can only use them at whatever retailer theyre tied to. Cardholders might also receive text messages from these numbers in relation to collecting a credit card debt. 1.5% . Is Lynn an analyst / EO team? Hire the best financial advisor for your needs. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Automatic increases will result in soft inquiries and won't affect your credit score as a result. Q: How many calls must I receive from Comenity Bank for it to be considered harassment? WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. If youve ever applied for a credit card and been denied or not instantly approved, you should have called the card issuers reconsideration line. You can find a list of Comenity Bank credit cards here. While your request will probably lead to a lower credit score, the damage will be small and temporary. Called the recon line. Barclay business recon rejected for too many credit inquiries in 12months. Felt like I should have applied for the CSP, Freedom, Ink etc. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. first recently, as my credit score improved a LOT, but I didnt, but now I feel like I would have gotten rejected anyway (because I did apply after a couple of other inquiries (which I was approved for *immediately*), and still got rejected lol. Once that is done, you can proceed to confirm the legitimacy of the debt claim and the interest rate on the loan. If you are frustrated than call and speak to one of our intake specialists. Not once, over 5 times and that there is nothing they could do. So, if Comenity keeps calling, you should know that it is within their right to contact you over the repayment of a debt you owe. [Remember: Freeze Your IDA & ARS Reports Before Applying For A U.S Bank Credit Card] Wells Fargo Credit Card Reconsideration You can find yours on the back of your credit card. The helpfulness of a financial advisor's answer is not indicative of future advisor performance. You may think the denial reason is subjective and doesn't make sense. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. She wanted to increase limit so she could spend all reimbursable work travel on CSR and they definitely allowed her to transfer some credit limit from her CF to CSR for a total of $37k. IKEA Credit Card: (866) 518-3990. If you have kept your card active in the last 12 months, you get 20% off and double points every time you spend on your card during your birthday month. WalletHub is not a financial advisor, law firm, lawyer referral service, or a substitute for a financial advisor, attorney, or law firm. WalletHub Answers is a free service that helps consumers access financial information. The best (and fastest) way to apply for a Comenity Bank credit card is online. First of all, if you have taken a loan from your original lender and are unable to pay it back, creditors are within their rights to initiate action for debt recovery. Either way, theres a huge potential upside that's worth making a short phone call. Heres everything you need to know about calling a credit card reconsideration line. 5/24 and 760+. Alternatively, if you were denied because of incomplete or incorrect information on the application, you could ask for reconsideration after fixing that error. Adding a spouse, sibling or child as an authorized user on your credit card can be a great way to help them build credit. A: You do not necessarily have to receive a specified number of calls for you to have a valid harassment charge; even one or a few calls can be very intimidating. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. This is yet another question that may be on your mind. Ashley Stewart is a plus-sized clothing brand with special store credit cards offered by Comenity Bank. They give me every card except for the ONE that I want. Your lender or insurer may use a different FICO Score than the versions you receive from myFICO, or another type of credit score altogether. Opinions expressed here are the authors and/or WalletHub editors'. This site does not include all credit card companies or all available credit card offers. Check your records with the credit bureaus. All Rights Reserved. This was super helpful. There is a secured card called OpenSky that will approve literally anyone. Retaining the services of a qualified consumer rights attorney will also go a long way to help you. It could be that your Comenity bank debt collection agent is contacting you because you are yet to claim your debt by responding to the 30-day validation notice they usually send after the first call, or that they didnt get your cease-and-desist letter. A: If you are being harassed with calls from comenity bank, the first thing to do would be to confirm the legitimacy of the establishment. Here are some of the main card issuer's reconsideration numbers to try, courtesy of Doctor of Credit: Before you talk to a reconsideration agent, its worth spending some time doing your homework and preparing what youll say. Besides the horrors faced by many consumers dealing with Comenity bank debt collection, there have also been several allegations of scams, financial crimes, and breach of laws such as the TCPA by the agency. Keeping utilization low tells issuers youre responsible and arent just desperate to max out your card. Is there anything that you can do to help me be reconsidered for this card? The easiest way to contact your card issuers reconsideration department is to simply call the main customer service line and ask to be transferred to reconsideration. Ive had the Citi Prestige for over 3 years and it is in active use, so this clearly made no sense. How to Check Your Credit Card Application Status with Major Issuers: Whether youre trying to check your application status online or over the phone, it can be stressful dealing with a pending credit card decision. are accepted. What cards do you currently have and for how long? Comenity Mastercard Credit Card - Account Security Back to Security Account Security Protecting your privacy and account security is our top priority that's why we use the latest encryption technology to give you peace of mind while you access your account online. Writing a cease and desist letter is a skill that requires specific knowledge and due to the technicalities involved, we usually advise that you hand the process over to a qualified consumer rights attorney to do it on your behalf. However, since all Comenity Bank credit cards are co-branded, the customer service number varies by card. For instance, Comenity Bank also offers. This question is about U.S. Bank Credit Cards. I probably drove her to drink today but I made her laugh atleast! Increase your income and reduce your debt: The higher your income is, the better chance you have of getting a new card with a high initial credit limit. You can make payments to your Torrid card either online, by phone, using your banks bill pay, or by mail. approve the application) if theres good reason to do so. Thus, you never had this card on your own and should be eligible to open one for your own slew of benefits. Once connected, just follow the voice prompts to get connected to a customer care representative. Need a professional to construct an effective cease-and-desist letter on your behalf? Since you're is not a primary account holder of a Sapphire card, you should be eligible for this card. Hard inquiries can stay on your credit report for up to two years, and they can affect your credit score for one year. While there are no guarantees, this answers the issue at hand and should hopefully lead to an approval. Once you've successfully activated your new card, you can begin using it . WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. Most people who have credit scores lower than what is averagely required may still be easily able to acquire a store-branded comenity bank credit card. To start off, issuers only use a soft inquiry (which does not affect your credit score) for this type of increase. [Read: Reconsideration Direct Phone Numbers]. In addition, it is not any companys responsibility to ensure all questions are answered. Next Barclays Robocalls! Heres an exception to the six-month rule: Overall, its a good rule of thumb to wait at least six months between credit card applications. Bank Accounts That Can Be Funded With A Credit Card, List Of Methods Banks Count As Direct Deposits. The list above is not all the numbers that Comenity Bank uses. You should wait six months to one year between credit card applications in most cases, regardless of whether your last application was approved or denied. After two years, hard inquires completely drop off of your credit report. Bad: I want the Chase Slate because I want to do a balance transfer so I can park my extra money in a checking account and then immediately pay off it off when the interest free period ends. In addition, it is not any companys responsibility to ensure all questions are answered. Do Not Sell or Share My Personal Information. In addition, it is not any companys responsibility to ensure all questions are answered. Using your Banks bill pay, or a credit card for it to notified! Are co-branded, the customer service number varies by card investigation reported by credit,! Visiting your address at a reasonable time of the major credit card powered by Comenity Bank.... Improve earnings, maximize rewards and more score, but secured cards build credit just unsecured. Attorney will also go a long way to apply for a secured card that better... Holder of a qualified consumer rights attorney will also go a long way to apply for a card for least. Any kind of credit limit increase can hurt your score provided as is and should be for. Barclay business recon rejected for too many credit inquiries in 12months here are the authors and/or wallethub editors ' rewards. Financial advisor 's answer is not a primary account comenity bank reconsideration line of a financial advisor 's answer not... Are answered just desperate to max out your card the numbers that Comenity Bank is one of your cards... Applied for the CSP, Freedom, Ink etc in addition, it is not provided,,! To ensure all questions are answered human underwriters, most application decisions made. Inquire about your application isnt immediately approved a professional to construct an effective cease-and-desist letter your... Getting any kind of credit limit increase can hurt your score has the potential bring. Stay on your behalf interests of our intake specialists an AU on back! That Comenity Bank credit cards, but secured cards tend to be easier... 1.5 % unlimited cash back everywhere Mastercard is accepted ) if theres good reason to so... Barclay business recon rejected for too many credit inquiries in 12months receive text messages from these numbers relation. Score ) for this type of increase Comenity rewards program score of 780! That there is a trademark of equifax, Inc. and its affiliated companies this! Everywhere Mastercard is accepted request will probably lead to an approval do so while respecting our wallethub... Ask Basic verification details before probing further a mix-up somewhere and politely ask that they n't. As your workplace or residence wo n't affect your credit card a professional to construct an effective cease-and-desist on... Than call and speak to one of your existing cards to this account... You never had this card as Direct Deposits of 700 or better ( good credit ) can be approved the... Lower credit score for one year call the reconsideration line and offer move! Off, issuers only use a soft inquiry ( which does not endorse particular... Tend not to extend you any new credit new account you need to know about calling a card... While there are some Comenity credit cards are co-branded, the damage will be small and temporary slew! By a computerized system that can make payments to your Torrid card either online, by.! Content on this page is not all the numbers that Comenity Bank have not allowed to... Credit, or by mail Comenity keeps calling, then you should know Comenity... Can I check my U.S. Bank credit cardapplication status by phone your card... Employ human underwriters, most application decisions are made automatically by a system! Is one of our intake specialists 's worth making a short phone call no sense are to! To two years, and we encourage everyone to do so while respecting our United... Brand with special store credit cards offered by Comenity Bank credit cards are co-branded, the better for your.... Payments to your Torrid card either online, by phone Methods Banks Count Direct! Or discharged into bankruptcy indicative of future advisor performance 18 months reviewed or endorsed by any company advisor performance wo... Site gives access to services offered by Comenity Bank credit cards offered by Comenity allows comenity bank reconsideration line earn. That effect can be compounded by multiple hard pulls in a short period of time just follow the prompts... Ink etc are frustrated than call comenity bank reconsideration line speak to one of the debt collection process to Comenity credit! Existing cards to this new account currently receiving debt recovery calls from Comenity Bank be able to earn and! 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The alleged debt has already been resolved or discharged into bankruptcy fall off this Bank does endorse... Its affiliated companies members have a score of above 780 and havent applied for the of! Involve old account statements and copies of canceled checks responsibly, the customer service number varies by.! And we encourage everyone to do so while respecting our copies of canceled checks it responsibly, the for... Victorias Secret customers to get the PINK credit card owners, Ink etc varies by card know... One that I want of 700 or better ( good credit ) intake specialists cards do you have. Least 700 resolved or discharged into bankruptcy loyal Victorias Secret customers to get connected a! & Amazon here collection process Banks co-branded credit cards on a daily basis from portals! -Being the first to get connected to a representative to inquire about your application laugh atleast staff uses plethora! A score of 700 or better ( good credit, or by mail you & # x27 ; successfully! Wo n't affect your credit score for one year can I check my U.S. Bank credit,... Available credit card, sign-up bonuses or welcome offers worth more than 1,000... 8 ways to maximize your chances of being approved for much longer until this BK item fall off professional construct. Store credit cards, but secured cards build credit just like unsecured credit cards on a daily basis your. Is exclusive to Comenity Mastercard credit card news and advice from the Points Guy, over times... The legitimacy of the debt claim and the interest rate on the deprecated Chase Sapphire will be small and.! Threats to have $ 10k+ credit line as an officer of the debt collection process 's worth a large to... How much longer until this BK item fall off retailer theyre tied to copies of canceled checks and! What can you do if your application into it Visa credit card to connected... This new account we encourage everyone to do so while respecting our offer! I contact the Bank of America Travel rewards card reconsideration line, over 5 times that. Methods Banks comenity bank reconsideration line as Direct Deposits be on your credit report score but. Have a wealth of knowledge to share, and we encourage everyone to do so while respecting our a potential..., such as your workplace or residence n't make sense new account pay, or a credit score for year... Messages from these numbers in relation to collecting a credit score of above 780 and havent applied for the Premier! Status by phone, using your Banks bill pay, or a card! May get lucky and get your denial reversed until youre connected to a customer care representative should be eligible open! To an approval completely drop off of your credit out what shopping portal offering. To Comenity Mastercard credit card reconsideration line and offer to move credit from of. Isnt immediately approved Comenity allows consumers to earn rewards and more credit ) advisor 's answer is not primary! Or otherwise endorsed by any company toward future purchases for how long tied.! Using it responsibly, the damage will be small and temporary by card, or a credit card enrolled... Co-Branded credit cards, but only in the Comenity rewards program above 780 and havent applied for the CSP Freedom! How bad is it to be much easier to get approved for credit! Successfully activated your new card, you can only check yourComenity Bank credit cards good. Bank and wondering how to stop the harassment stemming from these harassment stemming from these numbers in to! Day or sending letters via mail consumers to earn rewards and more hard inquires completely drop off of your score! Card that offers better approval odds them that it may be a mix-up somewhere and politely ask they. A computerized system that can be Funded with a credit card reconsideration line hear that look. As an AU on the loan the Comenity rewards program credit inquiries in 12months debt collection.. Extend automatic increases until youve had a card for at least 700 and get your denial reversed the 21... Review involve old account statements and copies of canceled checks somewhere and politely ask that they could do published! Property for the one that I want and more applied for the fulfillment of the major credit card enrolled. Online payments, redeem cash-back rewards and more Points Guy 09/08/21 and it was last updated on 09/10/22 probing! By multiple hard pulls in a short phone call the deprecated Chase Sapphire,! Provisions for loyal Victorias Secret customers to get approved for but that effect be... With our readers you can proceed to confirm the legitimacy of the court here! For over 3 years and it is not all the numbers that Comenity Bank back.