This is what incompetence looks like

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…but I won’t look very hard

How to “owe’ $4.74 on a purchase that you never received:

An email message from Comenity Capital Bank regarding my Haband Credit Card account said I owed over $15.00 and my payment was late.  

A week ago!

“Why?” you might ask. 


Well….I purchased a Christmas present for someone from Haband and was $1.00 shy of qualifying for free shipping. 

Soooo…I threw in a $1.97 pair of socks, the cheapest sale item in their virtual store.

When I received the package, there were no socks inside.  Worse yet, the present was too small, so I had to send it back.   

Haband issued a credit for the jacket but failed to notice that I had reported the lack of socks in said package.

Oh…but this gets “better” (if you can call it that).

It seems that I had 3 months worth of charges as well as late fees and, for some reason, it appears they couldn’t seem to find out where to send the statements.  If I wasn’t so anal about opening every bill I receive, I might have believed they’d tried to let me know there was a problem.

Haband had no problem sending what I had ordered, so an inability to send a bill to the right place seems to be a mystery.

Imagine my surprise when I found out that $1.97 had morphed into 7 times that amount in 3 months!


I called the bank.  I’m ashamed to admit that in my frustration at the lack of cooperation by a robotic answer system, I kept slamming my finger on 0 trying to get customer service before screaming into the phone at a recording. 

How did I get a live person?  I finally pushed enough numbers and it relented (that’s my story and I’m sticking to it.)

After finally getting a live person on the line, I explained the problem.  Bottom line:  Haband had to issue a credit first.

So, I called Haband (after a major search for the card, and failed attempts to go onto the website).  They looked into it and said they’d be happy to issue the $1.97 refund, but the Comenity bank had to retract the charges.

I just received an email from Comenity bank saying that I had an important message, so I went online and found THIS:


  • 3/17/2019   Haband Return  Credit  -$1.97

  • 3/13/2019  LATE FEE CREDIT  Credit  -$6.42

  • 3/13/2019  FINANCE CHARGE CREDIT  Credit  -$2.00

  • 3/09/2019  MINIMUM INTEREST CHARGE  Charge  $2.00

  • 3/09/2019  Account Assure (whatever that is)  Charge  $0.29

  • 3/04/2019  LATE FEE  Charge  $6.42

  • 2/06/2019  MINIMUM INTEREST CHARGE  Charge  $2.00

  • 2/06/2019  Account Assure Charge  $0.12

  • 2/04/2019  LATE FEE  Charge  $2.15

  • 1/09/2019 Charge $0.04

  • 1/07/2019  Haband return  Credit  -$25.65   (the socks were 2.11 with tax)

  • 12/08/2018  Charge  $27.76

When you subtract the ones with the minus signs, it leaves a $4.74 charge for socks I never received, and a black mark that never should have been on my credit rating.

Perhaps “Account Assure Charge” is some kind of code that means, “The credit card company will be assured it receives something.”  Is it worth the bad publicity for them to  hold my credit rating hostage until I pay them $4.74? 

They need to be billing Haband. 

But that would make sense.