Comenity Bank with them does not handle accounts in a proper manner and therefore causes a late charge like Brylane or Boscovs. Their staffing credited a return to another account called Fall Beauty to which I do not have therefore causing late fees or other and then a package just bluntly not credited. I have sent replies after replies of complaining on this. Now they want me to pay the late fees caused by their staffing. NO way, see you in court.