Beware of Overstock.com and Comenity Pay.
My wife passed away in April 2020 and she was the only one who bought from Overstock.
The next month, I paid off Overstock, Comenity Pay handles the billing, and asked both companies to close the account. I also informed Overstock that my wife had passed away and even changed her status in her account to deceased.
Two months later, Overstock charged $29.99 to the account, in my wife’s name, “to continue her membership.”
This was either a deliberate attempt to take advantage of an elderly grieving spouse, or someone was lazy and did not check the status of the account.
I was not tracking this account because I had closed it, so I was surprised when Comenity Pay contacted me a month later to tell me I was delinquent.
I informed him that the charge was fraudulent and he told me that was between me and Overstock, and that I better pay or Comenity was going to tack on delinquency charges and would start wrecking my credit rating.
It took me three months of poking and prodding to get Overstock to cancel the charge.
In the meantime, Comenity Pay has been tacking on delinquency and interest charges and has managed to drag my credit rating down over 100 points, from Excellent to Good.
I continue to refuse to give in to their extortion. They are attempting to get me to pay charges they have added to a known fraudulent, and now canceled charge, made on a closed account.