Complaint Review: comenity bank

I placed an order with Haband for some items I saw in a mailing and the woman who took my order told me I had an account with Haband would I like to use it. I agreed and actually thought I would get a bill from Haband. I got a bill from Comenity which I had never heard of before. By the time I figured out and wrote a check.I may have been late by a few days,

I waited to see if there would be a bill the next month with a zero balance, but there was a $35,00 late fee and a small interest charge. The following month there was another late fee and some additional interest.

I started to get phone calls and at first I told them I did not have an account with a bank called comenity. The collector was calling it Hayband and I knew it as huhband. Anyway I told her I would not pay them and I wanted to call the store. I have not been able to reach anyone at the store and they said I had to call comenity.

I get calls almost every hour and when I pick up the phone there is no one on the line. after 5 to 10 seconds I just hang up or if I am driving or in meetings I just don't answer . I never signed an agreement with that bank. I would not have as I have other credit cards. I noticed a 20 point drop in my Discover card credit info and I have no other possible explanation excopt comenity.

I will never again order from Haband unless somebody straghtens out this issue.

Can you help me?

.