frankd48
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 p.3 #9 · (Apparently minor) Changes in B&H Payboo Card on January 17th | |
Mr. Posner: I would appreciate it if you would please forward this to Mr. Gerstel. I have cut and pasted my original reply in this thread, following, preceded by my introduction to the email that I posted on this thread yesterday:
"The new bank is Comenity Capital Bank of Columbus, OH. The following is an email I tried to send to B & H just yesterday to an email address THEY gave me to communicate with their executive offices but which was kicked back by the gmail system as the address couldn't be found or was unable to receive mail:
'Would you please ask someone in your executive department to call me regarding the treatment I have received from the new bank that is handling the Payboo cards, Comenity Capital Bank? I am VERY upset with the way they are handling the credit card applications. I have a near perfect credit score, 839 the last I checked through Chase Bank, and was denied a Payboo card b/c I put a freeze on access to my credit history information with the three credit reporting agencies, Equifax, Experian, and TransUnion.
I did this for a very good reason. I was the victim (along with scores of others) of a massive data breach at Equifax several years ago, even though I had purchased a product with Equifax that was supposed to give me extra protection for my personal financial information. I was advised by Equifax that my information had been compromised, and I was advised by numerous sources to place freezes on my credit history information with all three credit reporting agencies which would force them to contact me if anyone attempted to open an account in my name. I did just that.
When B & H began its Payboo card program with Synchrony Bank of Tampa, FL, I had no problem. I believe they called me and said they needed to access my credit history, so I unlocked the freeze for 48 hours or so, they checked my credit history, and approved me for the Payboo card. I have used it extensively to make purchases from B & H over these past years that has saved me a lot in sales taxes to the State of Louisiana that I otherwise would have had to pay.
Comenity Capital Bank has been anything but easy to deal with. When I filled out the application online from the link on the B & H website and clicked submit, there was no confirmation that it had been received by them, and I got no email to that effect either. I expected they might call me to say, hey, we need to access your credit history information, can you unlock the freeze for a short window so we can check. But no, instead I got a form letter in the mail saying that I was DENIED a Payboo card because they could not access my information, and that I needed to unlock the freeze with ALL THREE credit reporting agencies for an unspecified time so they could gain access to it, and that I was INELIGIBLE to re-apply for the Payboo card until a month had passed since the date of their letter. I called several times and everyone just said that were their rules and there was nothing else that could be done. I finally spoke with a supervisor with Comenity Capital Bank named Brooke, and she was as cold as ice. They really don't care about your customers, I can assure you of that. She said they had sent me another letter in response to my first call to them, but I have not received it, and I spoke with Brooke roughly two weeks ago.
I have worked hard my whole life, have never refused to pay a bill that I rightfully owed, have never written an NSF check, paid my house off fully in 1991, raised two kids and helped them through college, and now just have my monthly living expenses. I am a retired lawyer having practiced litigation in federal and State courts for nearly 45 years, and have taken up photography as a hobby again. I have enjoyed B & H's website, its product offerings, and the general courtesy of its customer service representatives. However, I will stop making purchases if I cannot get a Payboo card without being made to feel that I am less than worthy because your new bank will not do the courtesy of simply calling me and asking me to unlock my credit freeze for a brief window so that it can verify that I am credit worthy. I am simply NOT going to do as they asked and unlock my credit freeze indefinitely for their convenience so they can take their merry time in checking me out no doubt without notifying me that I can put a freeze back into effect. MY DATA WAS BREACHED ON THE EQUIFAX SITE, and I have no idea who may have my personal financial information. I have to protect myself, and if I have to go without a Payboo card and cease doing business with B & H, I guess that's what I'll do. You can help though by contacting Comenity Capital Bank and telling them to be fair and reasonable with your regular customers or you are going to start losing business. You can ask them to contact applicants for the Payboo card by phone who have placed freezes on their credit history so the applicants can unlock the freezes for a brief, reasonable period of time so Comenity can check their creditworthiness without jeopardizing the applicant's credit information that may have been previously breached in order to prevent unauthorized accounts being opened in that applicant's name. I can't be the only one of your customers who has experienced this issue with Comenity Bank. I had no such issue with Synchrony Bank when I applied for the Payboo card with it.
Please forward this on to Mr. Jeffrey Gerstel or someone with authority in your executive offices to respond to me. Thank you.
Respectfully,'
So, I contacted B & H by phone yesterday on February 16, 2022, and spoke at length with a representative in their executive offices, and she gave me the email address xxxxx, and guess what, the email did not go through. So, I'm done with doing business with B & H for now. So, be careful of dealing with Comenity Capital Bank. I suspect that their relationship with B & H will be short."
Respectfully, Frank Dawkins, Lafayette, LA, xxxxx
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