Before I start this, I have an important Prayer Request:
My friend, Cin, is going to the doctor today to get a Lump on her Breast checked out. Please pray it is nothing or minor. Her appointment is in 1 1/2 hours. 1:00 p.m. Las Vegas time.
As for the title, Here is the situation:
Hot Topic does not communicate with the bank they do business with. Comenity! If you have a billing or payment issue, you need to call the bank, directly.
Comenity is refusing to take responsibility for their action of doing a Hard Pull which affected my credit report, after telling me it was their system error! They actually sent me a notice saying they will not fix this issue, as it would be a ” Good Will Gesture”. NO, it would be fixing their error! I am still waiting to see if Experian can fix things with them.
Anyway, I still like Hot Topic and will continue to purchase from them but will Not use their card. It will be Cash or Debit from now on! Comenity also is behind the cards of Victoria’s Secret, Wayfair, Woman Within, and more!
So, the moral of this is; Do your research on the bank before signing up for the store card. Plus, when you get angry with a company, be sure it is with the right department!
I have now chosen to avoid cards backed by Comenity Bank, and I hope others do too.