Victorias Secret — Fraudulent Billing Charges. Comenity Financial institution is the administrator for Victoria’s Secret Angel Playing cards. My spouse has had an account for over 10 years, and I deal with most of her funds. Lately, she seen massive late charges being charged on her account month-to-month. She requested if I had been paying the invoice, and I replied that I had and in full every month. I started paying extra consideration to the billing and never simply the return receipt she gave me. It seems that Comenity Financial institution will Levy a late charge and minimal curiosity cost each month. 3 months in the past, I obtained my paper invoice within the mail, wrote a examine, and caught it again within the mail to be postmarked the identical day it was obtained. I had a further $35 late charge on the subsequent billing cycle and a $2 minimal curiosity cost on the account. I paid the $35 late charge and $2 minimal curiosity cost and simply obtained my new invoice, and so they charged me a $35 late charge and $2 minimal curiosity cost on the late charge and the $2 minimal curiosity cost they levied the month earlier than. I’m unsure how they will justify charging me a late charge on their late charge when the account has been paid in full month-to-month. The financial institution is both holding their paper payments so that you just can not keep away from a late cost, or they’re holding your examine and processing it after the late charge applies to justify the late charge. Previously 3 years, I can assure you that the invoice has been mailed earlier than its due date each month, and I imagine that the financial institution and Victoria’s Secret have levied late charges and curiosity costs each single month on this account. In that case, it is a felony act and client fraud of mass proportions. State lawyer generals and the division of Justice ought to look into this, or somebody certifies federal class motion towards this financial institution and this firm.