Comenity Total Rewards is the worst card I have owned. They dont handle fraud well at all. I already contacted the merchant after speaking to Michael and called back the same day and spoke to another representative that I confirmed the fraud to and he …Comenity Bank Scam? I have a cc with Express. I paid off the full balance in February. Now monthly, there are $40 charges on the account. They claim they're late charges. Apparently a $20 charge hadn't been paid off and accrued a late fee, so I paid it in June. We are now in August and there's an $80 balance.

Fraud Protection. If you think your Account is being used by someone else or has been compromised, call Customer Care now at 1-866-841-5037 (Visa) or 1-866-864-7787 (Visa Signature) (TDD/TYY: 1-888-819-1918). While we're helping protect you from unauthorized charges, here's what you can do to help keep your Account safer:Within 1 week I received 2 letters from Comenity apologizing and telling me that they were going to reverse the damage this had done to my credit score and send me a check, which I did not ask for. There are also class action suits currently going on that you may want to look into.

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