My Experience with Calling Comenity Bank Regarding a Victoria's Secret Debt

I recently found myself in a frustrating situation when I called Comenity Bank, the issuer of my Victoria's Secret credit card, to inquire about a debt that had been sold to a collection agency five years ago. The experience left me feeling confused and concerned about the accuracy of my credit report.

To set the stage, let me explain what led up to my call. About six years ago, I had a Victoria's Secret credit card account that went into default. It was subsequently sold to a collection agency, which has been reporting on my credit report ever since. However, when I recently called Comenity Bank to discuss the debt, the representative told me that they had purchased the account back from the collection agency and were now trying to collect from me directly.

I found this strange, as it didn't make sense why I would be expected to pay a debt twice - once to the original creditor and again to the collection agency. Additionally, if Comenity Bank had indeed purchased the account from the collection agency, wouldn't it still show up on my credit report with the collection agency's name?

During our conversation, the representative at Comenity Bank was initially rude and demanding that I pay off the debt immediately. However, when I asked her to provide me with a summary of what they owned regarding the account, she became evasive and told me that she didn't have to send it.

Feeling frustrated and concerned about my credit report, I decided to log into my credit monitoring apps to verify the information. Sure enough, the collection agency was still reporting on my credit report, which only added to my confusion.

In hindsight, I realize now that I made a mistake by giving out my personal information and allowing Comenity Bank to verify my identity without getting any clear answers about the debt. As someone who has had success using the 'shopping cart trick' to get approved for other Comenity cards in the past, I thought I was taking advantage of an opportunity to increase my available credit.

However, this experience has left me feeling wary and uncertain about the accuracy of my credit report. If you have a similar situation where a debt has been sold to a collection agency, it's essential to approach the situation with caution and ask plenty of questions before providing any personal information or making any payments.

Ultimately, I would advise others to be cautious when dealing with credit card companies and their representatives, especially when it comes to debts that have been sold to third-party collectors. By staying informed and asking the right questions, you can protect your financial well-being and avoid falling into similar traps.

Call comenity bank victoria's secret