Comenity Bank in my opinion does not support its customer in online merchant/store transactions even when empirical evidence of merchant fraud of not upholding the description of merchandise sent to the customer nor does Comenity Bank uphold US laws when a merchant refuses to give the return address for returning the merchandise sent the customer that doesn't match the seen or description of the merchandise written by the online merchant about the advertised merchandise.
I believe, Comenity Bank is somehow in profit from making the customers keep the falsified merchandise sent to the customer from their online store merchants by replacing the disputed charge back on the customers bill or giving the customer the suggested percentage discount suggested by the online store merchant; to keep the merchandise sent. Comenity Bank makes the customer pay in part (take off merchant suggested percentage) or in full the amount of the item(s) undesired/ unwanted) by the customer by placing the disputed charge back on the customer's Comenity credit card, Comenity Bank does not uphold the US laws to keep any item the merchant refused to accept back, thereby charging the customer for the merchandise the merchant refuses to accept back .
When you call in to speak with someone at Comenity Bank, there is no dept. personnel that can explain to the customer in leu of evidence sent to the bank how the bank made their judgement in favor of the online store merchant.
This happen to me in May 2022, After I sent in supporting pictures, emails from merchant asking me to keep the undesired merchandise at a percentage of the total cost paid. I called Comenity Bank to help protect me from this fraudulent, unprincipled, unscrupulous, online merchant that refused to take their product back in agreeance with the merchant's written rules for return. This online merchant that refused to take their merchandise back, The merchant told me, I should like the merchandise as is, offered me a percentage discount to keep the product, I said, "NO." Comenity bank ruled in the favor of the online merchant when I sent emails of the customer/merchant communications, and pictures of the product NOT being as the online merchant had advertised. Comenity Bank still ruled in favor of the online merchant, credited the change back to my account, where now the bank is forcing me to pay for a product I can not use as is -Not the advertised item(s) thought to be ordering..
Please, beware of your online transactions using Comenity Credit Card. This bank does not protect its customers money,