Comenity Capital Bank/BJ's Perks World Mastercard review: Unauthorized auto renewal of mastercard; ~$200 in late fees for a removed renewal charge fines 6

I too, was the victim of the BJ's Comenity Bank Fraud of billing a credit card I had from BJs (do not recall requesting one, seems to have come in automatically). I have been working for over 3 months trying to resolve the continuing nightmare experienced, as repeatedly refute the autorenewal and the subsequent late fee charge for not paying the erroneous auto renewal.

I have telephone records documenting nearly two hours of my time spent on the phone with BJs Customer Care Center. They ultimately said that they took of the renewal charge (three months ago). I also requested that the credit card be cancelled. I have moved, and there is no BJs near me, I never recall ever using the credit card. I tore it up when the renewal charge was dropped, and thought this nightmare was over.

NOT. Next month, there again is the dreaded charges for late fees on something I did not purchase. I never used the card!.. I have since spent over 2.5 hours on the phone with Comenity Capital Bank Customer Care Center (supposedly), trying desperately to have them cancel this credit card THAT I NEVER USED! I'm assured that the fees will be removed, call back in three business days. Call back, and as other have experienced, the fees are not removed. I get excuses, like, the system is backed up, then hang on a line for over 1 hr, with no one ever picking up. It is now three months later and the bill is up to $199.00 having never used the credit card once. Plus, theyu continue to ask me for vital information such as my full social security number, and I now wonder if this is an official scam related to identity theft.

Now Comenity Bank "personell" from the collections department share many apologies, and excuses, and that I need to wait 14 business days (up from 48 hours), before I can cancel the credit card that I never ordered. Not ironically, 14 days takes me into the next billing cycle and it is most predictable that the credit card balance (solely accrued from late fees for not paying a renewal fee, that was taken of of the credit card in May, 2022. This id definitely a scam. I was told that my complaint has now "transferred" into a dispute. I'm not sure what that means.

Other odd observations, are that my bill has changed recently. The card is no longer listed as a "My BJ's Perks Mastercard", but is listed as a "BJ's Wholesale Mastercard"