I have had an Overstock account through Comenity Bank for a few years. I have made my payments on time and have a good credit rating. On February 16, 2023, I mailed my payoff balance of $488.00 by certified mail to the mailing address, supplied by Comenity, in Dallas, Texas. According to the United States Post Office tracking, my payment was received by Comenity on February 20th. This is the 27th and my payment has not been applied. Comenity has begun to call me asking for payment, which includes late fees. I have told three of the representatives that my payment was sent and received before my due date and there is no payment due. I have given them all the information as to the certified mail etc. THERE IS NO EXCUSE FOR MY PAYMENT HAVING NOT BEEN CREDITED! Five business days is plenty for Comenity to have applied payment.
Desired outcome: Payment applied, late fee(s) and late payment reported to credit bureaus removed, IMMEDIATELY!
