Comenity Capital Bank Virgin American Airlines Credit Card Rip off bank. Charges fees and penalties for cards they do not send to customer, yet charges a $49 annual fee that you know nothing about. Columbus, OH 43218-3045 Nationwide

This company provides credit cards service for Virgin American.  Virgin American signs up a credit card.  The bank doesn't send cards to you, then doesn't send statments.  About 2 months later a collection person says you owe them for a annual fee, penalties, late fees about 2 months worth.  

When you explain you never received a card, or statements, they say it doesn't matter pay the annual fees, penalties etc. worth over $129 dollars (plus or minus) I was to mad to hear the exact amount. Then they will send you the card.  

Of course no option to reverse charges, etc.

Operaters sound like they are in a boiler room, and talk to you like nice mafia.   Pretending they can't do anything for you, but want their fees, penalties, etc.  

When you ask them for your address they can't find your account. 

Very much like a scam outfit.

Yet, I can't believe Virgin Ameiran would do business with this bank.