- Report: #1480023
Complaint Review: Comenity Bank Pottery Barn - Columbus OH
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Comenity Bank Pottery Barn
Columbus, OH, United States
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Comenity.com
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Comenity Bank Pottery Barn Unethical Practices Columbus OH
Comenity is the credit card company for Pottery Barn. They are deceptive and I believe criminal in their actions.. We ordered some furniture from Pottery Barn in November of 2018 and then when they were unable to deliver it for some time we cancelled the order. I must add we had paperless Comenity Statements.
In January they sent us a notice of late payment. So in late January 2019. I immediately called the credit card company after receiving the late notice and they were great. I explained the situation and they called Pottery Barn and then they credited the purchase of $1500.00 along with ALL the interest and late fees.
Then when I looked at the February statement I had an interest charge of $32.21 on a balance of $177.86 plus the $32.21. I was extremely busy so I sent them $300.00 knowing I would deal with this issue when I had time. Finally in May I spent some time to call them and explain the situation and that there was no way there should be a $32.21 charge in interest on a $177.86 balance.
They said they would put in a dispute and get back to me. Today I called them and was on the phone for over an hour speaking to one employee and then her supervisor. Speaking to the employee today she claims that the interest rate is 28.99% EVERY MONTH! I told her she was incorrect and that would be illegal. She stood by that ridiculous statement.
I asked to be transferred to her supervisor, which I was. He explained to me they were charging me interest on the revolving balance on the returned items because the return credit was not posted until late in January. My point is they admitted the charge and interest was not valid and that is why it was all refunded in January, interest, late fee and purchase price.
They do that and then charge the interest the next month AFTER the money was refunded because I had a balance of $177.86 which triggered the revolving balance interest. Remember the first person told me 28.99% of 177.86 was the $32.21. Poor math for someone working for a bank. However, here's the real kicker, the supervisor said "you already paid it so there is nothing we can do" I did explain that I had been busy and paid it to buy me some time to get to a point where I had time to deal with trying to recoup my lousy 32 dollars. IT'S CRIMINAL.
They should train their people better and they should take better care of their customers. So for $32.00 dollars I will spend any free time I have and find forums to post my experience. I hope it was worth it for them and I hope you all take notice and boycott Comenity and Pottery Barn for their association with Commenity. Please also notice complaints flow into this site almost daily about them. I have a number of cards and never have issues with anyone else. Please avoid them.
2 Updates & Rebuttals
Jim
Beverly Hills,California,
United States
Crack Me Up
#2Consumer Comment
Fri, June 07, 2019
Look at these 2 statements and see how ridiculous you sound when you put them together:
I was extremely busy so I sent them $300.00 knowing I would deal with this issue when I had time.
I will spend any free time I have and find forums to post my experience.
Do you understand that if you had simply cleared some time from your schedule in the beginning to get this resolved, rather than foolishly paying $300, you wouldn't be taking your free time now to complain about something you didn't have time to resolve a month before?
The interest charge of $32.21 is/was based on the entire balance of the account before the refund; that's completely obvious. Was it a mistake? Probably. However, at this point, it's irrelevant. Under the law, your payment to the CC company of $300, reflected your acceptance the statement was correct - including the $32.21 in interest you owed.
Once you made that payment, you gave up your right to go back after the fact and dispute the interest once you accepted its existence through the payment process (the CS Manager explained that very clearly to you, and is standard procedure not just with this CC, but with every CC in the country). Now, you might have been able to go back before you made a payment, and say that since PB failed to deliver on their contract, you would not be liable for the portion of the interest related to the return (estimated around $28 of the $32.21). However, that ship sailed the minute you made a payment.
IT'S CRIMINAL. No, what they did was very legal. What you did was incredibly stupid.
In the future, if you think you're too busy to deal with a credit card statement of any kind, then don't complain about $28 you could have avoided paying by taking the time to deal with the problem, and then take much more time NOW to complaining about something you should have determined was a priority back in January.
Robert
Irvine,United States
Oh Brother..
#3Consumer Comment
Fri, June 07, 2019
When you got the statement that says you owed a bit over $210 why would you just send them $300?
As for your dispute, per FEDERAL regulations you have only 60 days to dispute a charge. It doesn't matter what credit card you are talking about. After 60 days while a creditor can look into a billing dispute they are under no requirement to do so. So the fact that you just didn't have time until May has no bearing on this timeline. The other issue you have, and what the supervisor is right about...You paid it. People that dispute charges do not pay it to just deal with it later.
Now, don't get me wrong I'm not saying that they are 100% right, but I'm not saying you are 100% right. As we are only getting one side of the story. We don't know what really makes up the entire balance or interest as it does appear you had a balance outside of the items returned. So it is possilble that you may have owed some interest, just not the $32.
What I am saying is that your actions to basically pay them not only the amount in dispute(but to overpay them by around $90), and then waiting an additional 3 months after that point basically cancels out any claims you may have had making it almost impossible to justify your disptute even if legitimate.
Good Luck
