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I have had 8 years to finally come out of the fog that I have been living in. Eight years ago I had to go through trying to save my 26 year old daughter from drugs, we got behind our mortgage, for 33 years we were never behind paying our mortgage, at the time all I could think of was saving my baby! My daughter died in 2010. I then tried to get back on track with our mortgage and try to save our home, especially for my son. When I called to get help the women I spoke with just laughed and said even if I tried to pay I would lose my home anyway. 


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Have been fighting almost a year to receive my money that was taken out of my account by Stg Auto Chrysler and Santa Ana. It seems I jumped out of the frying pan into the fire. These companies have taken everything. Chrysler wiped my account out. Chrysler lies and say they didn’t and the proof is there. Stg Auto refuses to pay back what they took. It had no reason to take credit card payments. I didn’t even own a credit card. No security alert. No call for unusual activity. Nephi Navy dropped the ball. While I’m fighting another 500 comes through. No mention of all of these charges. I’m finding out by different representatives as well as different rules. When does it ever become OK to lose your money and be told it’s too late or it’s been too long. I give a damn if it’s been one day before Jesus returns if I didn’t authorize it if it wasn’t my doing and if it was my money and I didn’t spend it it’s due to me.


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Navy Federal Credit Union you should be ashamed of yourselves. So this is how you treat families of our service men and women. I've been dealing with these people for over 2 months now. All they did was put me off, keep me on the phone for hours, make me fax forms over and over again. They told me my check went out 5/31. Today I find out nothing went out, nothing was in my file. So I said, "You guys basically just lied." She said, "Yes." This is totally UNACCEPTABLE. I will continue posting, filing complaints everywhere I can.


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This credit union is completely incompetent at sending international bank transfers. They cannot seem to comprehend that other countries do not have things like postal codes. They need to hire people with some international experience so they can better understand how to do business globally.


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I applied for membership at NFCU 6 months ago. I opened a savings account and deposited money in the account. I then received a credit card from the company but was never given access to the card because the account was restricted. They asked for verifying documents of my address and identity which I complied with. Never heard a response back from them. I had to chase them down and asked the status. They told me to drive to a branch location (nearest was 2 hours away) to provide the supporting documentation. 


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Navy Federal Credit Union has worse customer service than NetSpend, my wallet was stolen. I filed a police report and fraud claim on charges that were on my card. For three days I called and they did nothing, mind you I had already been into the bank and she did not tell me that they had frozen my account. She just gave me a new card and said it would be ready to use. I tried to go to the gas station and found out I couldn’t do anything with my account via debit card or in the branch.


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What a lousy organization. $1 Charge to withdraw money even from their own atms. 5 day hold on checks deposited. Others at least release 10%. Staff doesn't seem to care. Why do business with this organization? Not me. Average rating 2 stars well deserved if not less!


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Today was launch of new system. I can't get in to view account details and balance. After updating with new password, screen is blank and because it is after hours there is no one to help. New system should have been thoroughly tested before implementation and there should be extended customer service for implementation period (at least a few days)...apparently neither so that the type of customer service to expect. Other negative review about 30+ minute hold times support my opinion.


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The reason is they are a terrible credit union! I will tell you that they do not know what they are doing. They approved my mom's check I deposit on the mobile app. My mom forgot to sign it, I did not catch it so two days later on they just froze everything. I was really upset I called the security of the bank. They said, "We cannot unfreeze your account for five days!" A weird lady started asking me, "Oh you have too much money going out of your account!" She was asking me questions that did not pertain to the check. I was upset. I went to the bank to try to close my account and they said my account is frozen. I was upset I started cussing and I am 100% disabled Veteran. I am manic depressive disorder.


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I regret opening my bank account here because of the problems me and my wife have encountered when we have to service our account. Maybe you will be lucky and not have any issues, but anytime I go into the local branch every worker there has an attitude and gives the general feeling of not wanting to work there. What's worse is when I come to them with my issue they correct me as if I caused the problem. If that's not an example of poor customer service I challenge you to find worse. I tend to be an understanding guy, but screw the idiots at this bank and branch. Even Wells Fargo wasn't this bad.


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I have been a member of NFCU for 43 years and have found the credit union to be top notch. I’ve had bank accounts with other banks over the years. Primarily because the company I worked for would auto deposit my pay only at their bank. But I have always maintained my NFCU account. NFCU has financed every car I’ve bought in the past 20 years and they even finance my house. The staff are always friendly and go out of their way to be helpful and resolve any issue that arises. Everyone in my family is a member and I encourage everyone who qualifies to join.


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I and my business partner took an early Friday morning off to set up a business checking account at NFCU. I had everything prepared application, certificate of formation, consent from directors and an EIN verification. We arrived at 1000 hrs at a branch in Sugar Land, Texas. We were told to wait in the lobby and within 5 minutes a young man shows up and I noticed that his badge was upside down so I let him know (this was an omen). He explains to us that not only do the two of us have to be on the account but our 2 other Board of Directors as well. I tell him no, that does not sound right. So he calls the business HQs and they tell him that the other directors do not need to be on the account but eligible to be members. 


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I've seen a lot of post bad experience, but mine has been by far a really good experience. Any fraudulent activities on my account had been taken care of immediately regardless if it was my credit card or checking. I recently found out about getting my paycheck released a day early and that is always a plus when something happens. When I need to get that done, the rep just verifies some information and my funds are available within minutes. Yes, the return check fee is a bit high, but that's where you should be responsible with spending. I think my only issue would be that the interest on the credit cards are too high. Other than that my family and I all love Navy Fed.


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I wanted to refinance my house, and in talking to NFCU's representative, they said it would be faster to apply for membership with a deposit. I went online several times and tried to get an account. Their temporary pin and verification system was a nightmare. After they gave me the loan information, I decided not to refinance. So, about 20 months later from when I opened my account, I got a letter informing me I owed NFCU money. I discovered NFCU had been charging me $5/month for an "e-checking" account from my ($100) savings account. I don't know if the checking and savings accounts are severable; but if it had been an Everyday Checking a $50 deposit would have covered any fees. 


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My husband is been with Navy Federal 24 years. The last 5 years Navy Federal is a pain in my **. Customer services is the worse. They no want to help or have some excuses, I have two loan with them. One is a consolidation loan. I ask for put the 2 loan in one. They say, "No. We no do consolidation loan." Really? I have one with them, I no ask for more money. I ask put the two loan in one payment one interest. They say no, they want to have two payments. Every time I say this to another person say this is really no right that why I change bank. 


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These idiots must think people are stupid (maybe we are for banking with them)!!! I had an available credit of $10,350.71 on my credit yesterday. I used my card for business purposes and spent $4,125.54, which left me with a remaining credit of $6,374.63. I made a payment of $6,000 after my purchases. This should give me an available credit of $12,374.63 once the payment clears. I went onto the site to see if the payment cleared, and found out that I had an available balance of $2,374.63. Then it showed I had a credited amount of $4,009.78.


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I've been banking with NFCU since 2000. I finally have the chance to find out how their customer service department and "digital service department" treat their client. I have a monthly direct deposit to my account hoping to accumulate funds for my kids future. I forgot my password for online access so I contacted the customer service department and digital service department. I went through almost 6 hours of hassle attempting to have my "code word" removed. 


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I applied for a pre-qual mortgage letter and received one after providing all required information including the fact that I have an approved retirement date. Having received an approved pre-qual I signed a contract on a home, paid for a home inspection and proceeded with the purchase process until I was notified that they would in fact NOT lend me the money to purchase a home as I was retiring in eight months. After I was denied I asked if they would please email me the credit report that they charged me $18.50 for and they refused stating that I would receive a copy from Equifax in 7-10 business days. Even though they had a digital copy of my report, they refused to send a copy to me. I have borrowed from Navy Fed for mortgages twice before without issue or concern but the level of service and lack of thorough screening in the pre-qual process cost me $348.50 that could have been avoided.


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My husband and I have been going through Navy Federal and taking advantage of his VA benefits for our new mortgage. Navy Federal has been the absolute worst when it comes to this process. It started out great, low interest rate, getting information over to them and getting decent feedback. Then all of a sudden our rep through Navy Federal dropped us to a new person. We have since then been bounced between these two reps without any explanation as to why. And that person then started asking for information we had already provided. Claiming it wasn't received. Then we would get the info into them again, ask if they needed anything else, receiving a "no" response.


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We have been with NFCU for 30+ years. We recently applied for a mortgage loan and were promised for a prompt response. We have an outstanding credit 800+. It took our mortgage officer over a week to call us regarding our application and it was very apparent that she had never looked at our application when she called. She did not even know who the vet was and I had included the DD214 in the package. I asked that her supervisor give me a call. It has been six weeks. No call. I have called and it is impossible to reach anyone to speak with them. We went through NFCU before and it was wonderful. Their practices and ethics have taken a nose dive. Do NOT use this company. There are no longer any ethics. They will lie when the truth would do better.


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I didn't care for them the last time I used them. I thought well maybe things are better after 10 years or more. I was wrong. First, if you have any money in your account and you are late on a bill they take all they need. I've talked to other people this has happened to. Second, no matter how many loans you have they will be due on the same date. The date is based on your account number. Apparently, the 11th is my date. I asked a lady to change it... her response was "well... pay your bills a month early." While that would be nice, I hope to get to that point. 


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Navy Federal notified me by phone that someone was fraudulently using my credit card. The representative advised of the charges and situation and said they would handle it, and not to worry. I kept in contact with them regarding the additional charges that were made. They cancelled my card and husband's cards and sent new cards by overnight mail. 3 months later the larger of the fraudulent charges were placed by on my account with my knowledge. I went online to make my payment and noticed my card was way over the limit. I put in a dispute for the charges and the agent basically accused me of lying because there is a chip in my card. Since I'm not a criminal, I know nothing about Chips. I've spoken with 3 representatives and they still have not removed the charges. My credit scores have been affected by this, since my card is over it's limit! Terrible customer service!!!!!


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I've been a member since the first few weeks of boot camp in Jan 2001. In that 17 years they've only me no once when I needed a loan or credit and had nowhere else to turn. I'll admit the interest rates could be better for some of the services, especially for a long-term member; but they are still competitive with the market. Overall, I love being a member!


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My husband and I have been banking with NFCU for over 7 years now. He was active duty in the USMC, but now he is retired. We also bank with Truliant, and the only reason we didn't use NFCU is because they didn't provide the type of account we needed. NFCU has always really helped us out through many different situations of financial hardship, but I'll just share the experience I had today with them.


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I had applied for a small personal loan. I make more than enough money to pay the loan back but we had an emergency and I asked to borrow $7K. I have been with them for years. Twice they screwed my credit up by making hard inquiries and denying a credit increase. Last time they put it in the system like 8 times and it dropped my score. My credit score is in the 600s. It’s not great but could be worse they told me. We use not only credit but other factors, after giving the woman my information I get "oh I'm sorry you have been denied". What? You know that after 5 minutes on the phone with me? 


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I paid a credit card off in full to Navy Federal. Had payments taken out of my Wells Fargo account, told them to stop after I paid them in full, Navy Federal would not stop nor would they despot the money back into my Wells Fargo account. They said I gave them permission to take money out... not for ever. I did not. My account was paid in full and they kept taking money even after I told them not to... STAY AWAY FROM HERE. Going to a lawyer. And they are charging me for my checks I charged back to them, going to small claims court. DO NOT SET UP AUTOMATIC PAYMENTS. THEY WILL NOT STOP TAKING MONEY!


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This bank is horrible, they help themselves to your hard earned money! Don’t dare have a emergency and be behind on a payment, not only will they take it out of your account without your permission, they will freeze your account! Thanks for being understanding Navy Federal, had a family emergency and they took my child care payment out of my account and left the account in the negative, now my loan payment is not 5 days past due anymore but I can’t go to work!! Wouldn’t even let me make the payment up next week!


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I lost my car in electrical short wire 5 mos. ago. So I wanted to get car loan for another car. They "no" in 1 minute now. My credit is low now. But I have been with Credit Union for 25 years. Now can't work any overtime because of no car. Well I'm upset. This credit union get 4 F's in attitude toward Veterans like me not let succeed.


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My husband deposited the gift I gave him into Navy Federal Credit Union. Navy Federal Credit Union kept the deposit, froze his account and lied to both the CFPB and Senator John McCain about the deposit. I found the CFPB response letter where Navy Federal Credit Union states the names provided do not constitute sufficient information to enable us to identify any applicable accounts at Navy Federal Credit Union. I have sent a copy of that letter and Navy Federal Credit Union account statement showing how long the account has been open to both the CFPB and Senator John McCain.


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This is the second time they took my money without my authorization. I had an overdraft account that I told them I would pay off in December. I moved over $300 to my savings. They grabbed it out my account today and said it was sent over to my old account. No one sent me a letter saying they were going to do this or nothing.


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I will say I had an amazing experience being financed with NFCU since 09/2013 for my vehicle. My funding process was very fast, and I was able to maintain all my payments on time; in fact I was paid ahead by 7 months on my payments. Unfortunately, my vehicle was totaled this month, 11/2017, but the process to payoff the car was as smooth as can be. Additionally, I made a payment right before my vehicle was paid off, which had been prescheduled, and within 48 business hours of my payoff posting to the account, I had my refund amount available in my savings account with NFCU! Working in the autofinancing industry myself, I know that many institutions get a bad wrap when things occur, but I will say in every interaction that I had with NFCU, I had a pleasant experience. 


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Navy Federal is a joke. Do NOT buy gift cards from there - they will steal your money in a service fee of $5 per month if you do not use card. They stole $40 from my son. Card had expiration date of 1/21 and he didn’t get to use any of his cards - he was saving up and Navy Federal took all his money.


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Navy Federal scammed me out my money. Sent my loan to collections as charged off, so when I deposited my daughter college refund check they took all her money. I don't care who you have debt with and who you owe. Nobody should be able to watch your account waiting for a deposit just to snatch your money to clear a debt. People fall short all the time, I have learned that Navy Federal got sued last year about how they wrongfully go about collecting money to clear loans that their customers fall short to pay. I hope they get sued again, but I will be taking legal action hiring me a lawyer. They don't care about families. All they care about is meeting their quotas to get a debt paid. They have lost my business and my daughter will not be banking with them anymore either.


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Teller: **, refuse to serve me even though I was a joint owner on the account. She did not give me a receipt and continued to argue with me about having a debit card, that has my spouse name on it. They have too many revolving rules. One day I go up there and use my ID and her account number never questioned about. She decided to take her time using the information I gave her and I sat there for 15 minutes. Navy Federal really needs to educate the staff and make it known what can and cannot be used when making a deposit. These bad experiences happen at least every 6 months or so with them!


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The Navy Federal Credit Union - NFCU allowed a third party entity to garnish over $65,000 in retroactive pay from the Veterans Disability Compensation department. This amount was awarded to me due to physical and mental injuries I've incurred from military service. The NFCU violated the Veterans Disability Protection Act of 2010, violates Title 38, Section 5301(a)(1) and violates 31 CFR 212.6. I've reported the institution to the Consumer Financial Protection Bureau, the Better Business Bureau and I initiated a Congressional Inquiry via the Honorable David Valadao of Hanford, California. To this day, the NFCU has failed to provide a formal response.


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Trying to get some money transferred from a savings account to the charged off debit card so I can that crap off my credit so I can get a mortgage. Mind you I haven't used this bank since I switch to USAA in 2010 for checking. I've had a credit card through them and had to finish paying off my car loan. Both ended in 2014. Had a really bad financial situation and paying the credit card wasn't important as Oh say paying rent, my car, or my utilities so I waited. Now I can but they're making it super hard to get anything done.


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Nothing I have ever, ever done with this credit union is simple or easy. There is ALWAYS some reason my funds are unavailable or they are taking money for credit cards, they've done credit checks on me without my permission, consistently turn me down for any kind of loan despite my having good credit and have never been late for a single payment on any credit card. Depositing verified CASH into any other ATM results in a FIVE DAY hold that is irreversible. It is the year 2017, with all the other institutions capable of doing things so quickly how is that even possible for it to take five days to make available HARD AMERICAN CURRENCY that is verified by the ATM at the time of the deposit? There is quite literally no benefit to using Navy Federal over any other institution as far as a checking account is concerned. 


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Took in some coins to deposit, just like I have done at Pentagon Federal, Bank of America, Wells Fargo, Citibank and others over the years, only to have the teller at the Sterling Virginia branch compare the length of each of the 4 rolls to another one right in front of me this time, another time weighed the rolls of coins right in front of me. Literally the ONLY place that has done this right in front of me in DECADES. Guy at the desk said that was Navy Federal POLICY. REALLY STUPID this day and age, spending lots of money on ads and other items for customer acquisition, doing penny ante stuff like this which torpedoes customer retention. I'm a senior IT professional, upper income bracket, dress and act accordingly, too many other places to invest my money to put up with this crap.


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This mortgage department is unable to do simple math. For example, if you have a mortgage that is 1,000 dollars a month and you send them 500 dollars from one bank and 500 from another bank, on the same day, they will "apply both to principal" because alone they do not add up to your payment amount. Your next statement will have two months worth of payments due plus a late fee.


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Initially I had tried to work with Navy Federal to lower my credit card interest rate from the 19% it's at now but the manager at the branch that I went to told me that they could not help me. After a year I'm still unable to get the rate lowered. Two days ago I went into a different branch to make a payment on my credit card and today I get a notice that I'm delinquent. When I called the number in the e-mail they told me that the branch destroyed my check because they did not accept my identification; I guess my access code and password are not acceptable when making a payment. 


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In their description of overdraft protection transactions less than or equaling $5 would not incur the $20.00 "service" fee... What a lying crock! They had a new accounts promotion at the V.A. hospital in Los Angeles… neglecting to inform the vets that the nearest branch was 400+ miles away! I was charged $20 each for $2, $3 etc totaling less than $5 in a 24 hour period. Usury laws have gone the way of habeas corpus, posse comitatus, and our civil rights in general. Corporate America has declared "open season" on the public.


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I was buying a home and the first red flag should have been when the loan officer told me he didn't want to start the process to lock in my rate until after inspection because processing a loan is "a lot of work"... That's your job. Secondly, once we knew the closing date, turns out I was going to be overseas. I called and the loan officer confirmed that my agent could be my power of attorney to approve closing costs and close for me. He even went to a supervisor who concurred it was ok. I get a Power of Attorney and submit it asap.


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Ok so I have been with NFCU for almost a year. When I first open a account through them I applied for a credit card and was turned down 3 times after I sent 3 reconsideration letters via message online. Ok so weeks roll by. When they call to setup my account I told the woman on the phone what happen and she had me apply again and miraculously a few hours later I receive a message saying I was approved for a $1000 credit line.


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I just recently moved to El Paso Texas. Went to a business and they took my cashier’s check and gave me no service. About an hour ago a security officer called me, because I made many attempts to get my stolen money back. The CSR's are extremely rude and lazy. This has been my credit union for twenty years. This place is sinking downhill and seems to have financial issues. The institution seems to be finding ways to rip people off in any way they know how. It is not ethical, to allow a customer to be ignored. Signed Navy Veteran who fought in a war. Thank You Navy Federal Credit Union for making me feel unappreciated. Now that's customer service...


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I called Navy Federal because online it was showing a late payment on my account. The late payment showed that I owed for 2 payments instead of the one that I originally owed. I called customer service and they stated that they show 2 payments down on your account whenever you are just one day late. I told her that it did not give that explanation online. After stating this, the Representative obviously got annoyed with me and stated, "Can I help you with anything else?" I told her that she can get a supervisor due to her being very short with me. She asked, "May I place you on hold?" I told her, "No. Please get a supervisor." She stated that, "I am finished with this call." And just held the phone. I called her an idiot and she stated that I can not speak to a supervisor and hung up. I just want an explanation that makes sense. She was very rude and should not be speaking to customers at all. I am very upset with Navy Federal.


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I am very satisfied with the service and quick update of all transaction on my accounts. The transfer of fund from one account to my children is amazing.


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I have been with NFCU for over 10 years. I love the customer service, their security and the fact that it doesn't cost me anything to bank with them.


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When my husband died 22 years ago, our account was with NFCU. I have had no problems with the credit union and have gone in for personal assistance on more than one occasion. Have always received outstanding service and information.


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If you can get a membership, it is well worth it. Online banking is the best, and ATM's are all over the country. Great rates on all types of loans... can't be beat.


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Sends text messages whenever there are extraordinary charges or fraud so I can call and either explain my purchases or tell them I am not in Kansas at a hotel. Very vigilant at this!


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The absolute best experience we've had with Navy Federal Credit Union has been refinancing our mortgage. Before that, we had been bounced around to 3 other banks as our mortgage was bought and sold repeatedly. We were fed up with that and refinanced with NFCU. Their promise: They will never sell our mortgage, ever. Nor do we get the constant stream of spam mail dealing with the other banks always brought. They've been dependable, reliable and always courteous both in person and over the phone. Very happy we are with them.


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I have my payment submitted. Paying a credit balance to $0.00 but it takes them up to 72 hours to process payment. When I called to see if they could temporarily raise the limit so I could finish my purchase while still taking advantage of the incentives I get for using their financial institution, they were less than willing. Way to lose a customer on something so simple. I can go find a credit card company that wants to work with their customers who regularly keep a $0.00 balance on their cards because they pay them off within a month. It could have been so simple to retain a customer/member. But instead you wanted to suggest that I wait a "couple more days" and sit on the floor while I wait for you to get your ducks in a row. No thanks. I have the cash.


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My husband and I initially tried to use Navy Federal to buy a house back in 2015. We got such a runaround and such poor service that I'm not sure why we started trying to use them again now for a home refinance, other than that they offer more generous terms than many others. Well, still a mistake. The underwriting process was going fine until the home appraisal. The appraisal came in laughably low, which caused us to look into what was going on. Turned out that the appraiser was a trainee. So we started the appeal process with the underwriting department. It felt a little bit like that conversation from Idiocracy about plants and electrolytes. We would give them an appeal, they would return it and say, "You can't talk about X in your letter." We would say, "We didn't." They would say, "You did." And we would say, "Where in the letter do you see this?" Silence. Brawndo's got what plants crave.


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If I could give it a zero star I would, that's how pissed off I am at this ** bank. Calling to get something resolve is like talking to a ** wall. Everyone I call to speak to someone in customer service it always leads to nothing getting fix. They treat their customer so poorly when stuff happens. There's so much I could say about this bank but I'm not going to waste anymore of my time to.


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Unbelievably incompetent: screwed up wire transfers, failed to send wire transfers and did not inform me, and froze accounts with no notice or explanation while I was overseas. YOU CANNOT SPEAK TO A HUMAN BEING so you have to call multiple times through the computer system, and then re-explain your problem each time to a new person. Finally, had HAD IT and closed my accounts, which the bank re-opened without my permission or telling me, and began accepting deposits into an account for which I no longer had access. NEVER SEEN such horrible practices -- and it's obvious that management and leadership DO NOT CARE. I over the years had over $1M there and couldn't even get anyone to address the problems. Or even return a phone call.


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The Office in San Diego Cal 92117, they gave me false information about getting a new Debit Card. I asked for a manager and the manager continued to give me wrong information about receiving a new debit card. I then called the phone customer service and a women named Jacklyn said I would receive my new debit card the next day by Federal Express. They said it would be a duplicate to the one I had. It never came. I went to the San Diego Office 92117 and asked about the issue. They said, "For the information but you can not receive a duplicate card". The office did not care about resolving the situation. I was upset and told them why are they lying to me. This went on for 4 days.


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Approximately twenty years ago as a retired Navy Chief having successfully raised two, retired with 5 Navy Achievement Medals, 1 Navy Commendation Medal and a Meritorious Mast from the USMC when comms was lost I took over the rescue of the USS Vancouver's AAVs in Operation Sea Angel off Bangladesh; I had a twenty something try to educate me on handling my financial affairs. I moved my money, leaving $100 in my acct, to NICU where I still bank today. I only maintained the use of my NFCU Visa ever since. I have tried to register to access my Visa Acct online several times over the years and have always had something blocking me from doing so. In real life there is a statute of limitations but for this notice which I found out was supposedly an outstanding check (which I never wrote) it's apparently been twenty years and they're still pursuing it. The one thing that NFCU excels in is growth, but don't expect Customer Service.


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I began the process of refinancing my existing mortgage with Navy in April 2017. The trail of tears is as follows: Ran a preliminary analysis and quoted me 3.25 + 0 points. Received preliminary approval 3.25 + 5.0% points. Said rate change because I was in their B class due to FICO score (below 720—barely). I told them did they want to believe the FICO or the fact that I had 3 loans with them always paid as agreed. They said it did not matter. Members and Off the Street—same. After arguing and me escalating the matter up the chain, I was offered 3.5 + 0.5% points. I said OK and gave them permission to order $625 appraisal per preliminary closing statement. Appraisal came in lower than expected (surprise..! All appraiser are writing conservative values). Their new offer 4.25% on a 3-year ARM. I am currently paying 4.25% for 30 year fixed loan.


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Worst experience of my life, almost worse than boot camp. Customer service non-existent and a high degree of loan officer incompetence. Loan date made incorrect to begin with and told by my loan officer Deanna ** that I need to apply for new interest rate on behalf of her error. From then on, everything that could go wrong went wrong, up to the day I closed. I am still waiting on credits to my account. Please, use anyone but Navy Federal for your home loan, you have been warned!


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Long story short: Opened an account online Apr 24, 2017 and funded with $50 via debit card from Chase. Accessed the account online ok. Two hours later the account was locked. Called and was told I was not eligible - fine - they would mail a refund check to the address of record. Waited 30 days, no check. Now I am told there is a security issue, and I need to go to a branch, which is 30 miles away. Thanks for communicating so well. Little do they know they missed out on two substantial trust accounts. They're not crooks, just lazy.


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I have been a victim of chip card cloning twice in the past 4 months. Physical copies of my card were made and purchases of thousands of dollars were allowed to go through in several different states and even in the UK in a matter of minutes without being detected by their fraud department. Federal regulations prevent banks from holding you financially responsible for fraudulent purchases but Navy Federal has found a way to draw out the process as long as humanly possible. When the purchases are made they go into a pending status which affects your available balance. At this point Navy Federal will not do anything until the charges actually clear which can take two to five business days depending on the merchant. You then must submit a fraud claim to them which will take another two to five business days.


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My father decide to change banks cause it was military and no more withdrawal charges. He switched 1stNB to Navy Federal Credit Union. He is on a fixed income as well as myself. I have had Six Back surgery myself. Okay my dad is getting ready to have Heart surgery sometime next month. On April 7, 17 he had to do some final testing so he ask me to hold on to his Debit card. I said yes as long as he put his pin number on it. I have a lost of memory that's why I told him to put it on his card. 


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I applied for membership on 4/11/17 after being told by NAVY membership dept. on phone I am eligible in many ways. I applied provided every document known to man received receipt acknowledging documents received. Waited until 4/20, called to follow up, was told needed a few days to review. On 4/26 I received an email welcoming me but not providing any details or account information. I received my Credit Bureau report for 2 hard pulls and another report stating account created as I am an OPM identity theft victim with excellent credit, heavily monitored. Today on 4/27/17 I received an email stating I'm not eligible and to forward this same documentation to them again by the same department. I responded stating already completed, account open. 


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Long story short, I had a very high credit limit of which I only used up 1/3 of my limit. Was paying my credit card on time, never late and always paid more than the minimum. Then they choose to close my account because they couldn't get a hold of me. Yes that's correct; they couldn't get a hold of me so they chose to close my account entirely. I had taken out loans that I paid before the due dates. I had a savings account with them and now I want nothing to do with them. I will never use them again. Ever.


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I originally applied on 3/27/17 via the website to Navy Federal Credit Union to become a member due to my wife being a part of this credit union. I Sent over all of the required documents that was needed to process my new membership with Navy Federal Credit Union. A week had gone by and I didn't receive a response so I called and sent an email via their website. I didn't get anywhere with that so I've spoken to several representative and still no membership and it's now 4/13/17. It's very frustrating when this credit union is rated #1. I really don't understand how? It's now 4/13/17 and I still am not a member due to my information not being accepted per the security department EVERY rep conversation is when I speak with someone.


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Joining was a hassle since I didn't live near a branch so I joined online at which point they screwed up my paperwork and placed a hard hit on my credit report lowering my score. After this was all straightened out I asked about the CD they advertised on their site claiming a 3% interest rate and was told that I would receive that rate so I took $3,000 and funded it to the maximum allowed amount. Three days later the CD showed up but was only 1% interest which is the old classic switch and bait fraud car dealers used to use. I didn't make a fuss because I was hope to get help in a home mortgage through them and when they prequalified me in the letter they gave me a limit of $259,660 so I applied. 


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Have been harassed from NFCU for the past 7 months. In August 2016 I refinanced my vehicle with NFCU when they had a promotion going on (low interest and $200 into account). I didn't have an account with NFCU previously, so I had to fill out all of the membership paperwork in order to open an account and deposit $25 in order to qualify for this financing promotion. Once that was complete, I was able to successfully refinance my vehicle. The payments for the vehicle were set up on a direct draft from my actual checking account so I didn't have to mess with anything. A short time after, I received a promotion and moved to Alaska.


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I've had NFCU for years and never had a problem until I ran into financial issues. Unfortunately, I had credit cards, auto loan and personal loan with the bank which is the worst mistake ever. PLEASE DO NOT GET MORE THAN ONE ACCT with any bank. Nowadays they have it set up that they will take funds out of any account to pay for past due accounts or balances. They say to call and schedule an appointment to have payments made but that isn't honored because their automated system automatically takes the money out the account and there's nothing their customer service can do about it.


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I noticed that money I had deposited last month for personal reasons, in my daughter's account was completely depleted, then a certain amount returned to the account without Navy Federal notifying me. When I called, the wonderful customer service staff that placed me on hold to figure out the problem from 12pm-8pm between 5 different representatives. Everyone was clueless. By 8 p.m. they finally found out that the other joint owner on the account withdrew all the funds, then replenish a small amount before closing all his accounts with the institution. 


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Put in a auto loan application couple month ago and I was declined, the services representative in Cherry Hill, New Jersey, told me to try again in couple month, that I did Feb 25, 2017, And my application was declined again and my credit score is better than last year. Thing is why I don't understand I had two auto loan in the past with Navy Federal Credit Union and I paid off in 2015 and 2016, I was never late, and I had two personal loan with them also and I paid off the loan. How can Navy Federal Credit rate me no limited credit experience, bankruptcy that it is 10 years old, high revolving credit and slow payment etc... And then this is last year made a $4000 personal loan and I was approved but they won't approve my auto loan.


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Do NOT bank with Navy Federal Credit Union! I had put $310.00 to transfer to my husband's ex-wife for child support. I was late one day on my credit card payment and they automatically transferred the whole amount onto my credit card balance. When I had called to get it reversed, the representative stated, "It's out of their hands because I was late for my credit card payment. Any money that would be deposited in the account would be automatically transferred over." Mind you, I did not give any consent to do this transaction. So, not only have they put my husband at risk for going to jail for not paying child support, but now my stepson will not have any support whatsoever this half of the month! The representative had no answers, wasn't willing to make a payment arrangement, wasn't helpful at all! So do yourself a favor and NEVER, I repeat, NEVER bank with Navy Federal Credit Union!!! Worst Bank EVER!


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I have a credit card, checking account and savings account with Navy Federal. I also opened a savings account for my 3 kids. They automatically take money out of my checkings to pay my credit card without my permission if I'm behind. Even the little bit of child support that I do get when he finally decides to pay something. They told me that they have the right to do that and they can also take money from my children's savings as well. I stopped my direct deposits from going there because of this. Looks as if I'm not the only one with this issue. Sounds like a class action may come of this. I used to be a satisfied member, but not anymore.


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My daughter and son had issues with settlement on their home in Aug 2015 due to Navy Federal dropping the ball on due date for settlement. Was told they would be compensated NEVER happened. Now one and half years later they get a letter stating mortgage payment going up $400 per month!! Who can afford that?? Why wasn't escrow taking enough money out for a shortage? Have owned several homes and NEVER had a payment go up this high!!! Poor very poor customer service and support! !! Only gave 1 star since I had to. NEVER use them. 2nd time Navy Federal has not given good service.


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Recommend you allow reviews to have Zero Star option. Irrelevant perhaps, to this complaint but telling on the Ranks and records of the NFCU Board. I start by saying that I am a Disabled Vet as the result of a Ship's CO ordering me to expose myself to Ionizing Radiation and instigating a cover up. This event crippled me with Malignant Ependymoma Cancer to my spine and Malignant Soft Tissue Sarcoma Cancer. I Apologize, I just feel the board and employees treats their customers as Squids. I was rank of Commander when I could no longer work and was drummed out.


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This bank has failed in every humanly possibly way. They literally can't even notarize something correctly. Seriously, everything has been a nightmare with them. My husband was in Germany for training, along with hundreds of other soldiers. Their debit cards were cancelled while they were over there. Navy Federal sent out chipped debit cards after they left for training, and there was apparently some type of deadline for activating these new cards (which was apparently emailed), and the old cards would be deactivated. Sure enough, all of these soldiers in Germany (who did not have access to email at the time), and I'm sure Iraq, Afghanistan and everywhere else overseas, their cards were deactivated. Imagine that for a moment. A bank that serves the military community, not even taking in to consideration our men and women, serving overseas, who did not have access to email. 


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On April 28 2016 Navy Federal withdrew my car payment without my authorization from my bank account because I was two day late. When I call them to ask why they did it they told me they can do that with no other explanation even though I was still in my grace period to pay the car. I did not have automatic payment and I did not sign any paperwork for them to withdraw any car payment.


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Been a member for 24 years and used NFCU for a mortgage. Biggest mistake ever. They failed to order the appraisal which delayed the closing of our home, and this happened twice even after appraisal was "rushed". Their lack of execution cost almost cost me the sale. This is not the organization it used to be. I will be moving over to USAA. Caveat emptor.


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On Jan. 10th I drove through drive thru to make a deposit. Like normal, I put all my info and deposit in the machine. I had send it and like usual, I pressed the talk to agent or representative. I waited like 7 min., I heard nothing, pressed it again, then I get this rude response; "I'm helping someone else right now, I'll help you when I'm done." I said, "it's fine. I just wanted to make sure someone was there and received my info and deposit. I was here waiting and no had at least let me know that they had received my stuff." The lady was rude. Next time I'll call the 800 number and try to contact their supervisor while I wait. See if they like that!


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I deposited a check for $300 drawn off of a Wells Fargo bank account on Monday 01/02/17 at the automated teller in Eastlake, CA. The bank's security dept placed a hold on the check and have now locked my account for 5 business days. I called and was told that the check was flagged as suspicious, and that the system is very rarely wrong. The person I talked to said she had never seen it be wrong before. Yesterday, Wednesday 01/04/17 I went to Wells Fargo bank with the account holder that wrote the check. We were informed that the funds had been released to Navy Federal and that the check had cleared. When I contacted Navy Federal earlier this morning, Thursday, 01/05/17 I was told by the bank’s rep that Wells Fargo doesn't give information about cleared checks and that my account would be locked until next Tuesday, 01/10/17.


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These scumbag thieves closed my account because of disputes between them and Floor and Decor, I had a delay in my monthly payment for a few hours,, hours not days,, and these scammers charged me $41, when I called these miserable liars to see if I can recover this money, I was answered by a crappy supervisor who told me that I am not eligible to give my late fees back because my account is closed, that is, closed by these scammers without notifying me. My advice is if you ever hear about Bread Financial or ** Bank Comenity, stay away, they are just scammers.


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I have been making payments for years and now they losing my credit for no reason, I was three days late on my card and Bread Financial found out I was ** and that's when they lower my credit and had my savings for years without missing any payments, had accounts for 15 or more years.


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Horrible customer service!!! They have frozen my account several times without reason or notice. It has been so embarrassing being out in public with friends or for a work event, and my card gets denied when it has thousands of dollars left in available balance. No fraudulent activity. No international transaction. Nowhere near my limit. Just paying for a lunch for clients and waiter/waitress returns to tell you that the card is declined.


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They charged me $547.99 as fee for one month and, I always pay every single month my credit card with them. I called them, texted with them without any success. This bank is only care about taking money from us and nothing else, that's why I'm warning you not taking any card with this bank, you will deeply regret it. Don't ever deal with them.


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Thanks Bread Financial, for closing my paid off account after I worked my ** off to pay my 10k credit card balance off through Alphaeon and then closing my account due to inactivity, which penalizes me now. I barely had a paid off card for a month to two when they abruptly closed my account. I was even looking for a dermatologic procedure to keep this card open before they so aggressively closed it—which seems to be a bit coercive or illegal. “You can only keep it open if you use it again on a medical procedure” they told me. I will never ever use this company again. They are predatory lenders.


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Bread Financial Charged me $300.00 interest per month on a $1,200.00 purchase of a Retro Classic Refrigerator. This is horrible!!! Can they be investigated for unlawfully overcharging me too much interest on my purchase?


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This company took over Comenity Bank and decided to close many of my credit cards, including the ones that were paid off. If this is how long term paying customers are treated, good riddance. I hope you go under like every other greedy company.


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I recently had a displeasure of having an 18 month worth of interest charged to my account after I was 5 days late to pay off the balance. I always made payments on time and never missed a payment. I called and spoke with two different customer care agents and supervisor but they showed absolutely no flexibility to work with me! This company, formerly is Comenity Bank, is not going to win my return business!


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Comenity is now doing this again to me; same as the card I had from them for Wayfair. Although ALL my payments are on time, for whatever reason they have decided to end their partnership with Wayfair and now Overstock. They will be closing my account, just like they did with Wayfair. When they did this to me with Mayfair, my credit score dropped over 50 points. How utterly irresponsible and negligent!!!! I imagine this falls on deaf ears, they just don't care. I am rushing to pay the card off now to beat that deadline and close the account myself and then using my own time (thanks a lot Comenity), I will contact each credit bureau. I will NEVER take a card from them again. They just don't care.


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My AAA credit card was transferred to Bread (Comenity) without my knowledge. In the process, my automatic payment information was lost and my bills were not being paid. Eventually, my credit limit was exceeded and I was charged a $119 penalty. I immediately paid what I owed on the account and opened a dispute to recover the $119 penalty in November, 2022. I have called a dozen times since then (it is now June, 2023) and have been told that they are still reviewing the matter. It is difficult to get through the customer service system to talk to a supervisor but I have done this several times. All they can do is make a note on my dispute record that I called again. 


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On May 3, I called Comenity about my Caesars Rewards Visa, I let them now I was going to New York & would be using my card for payment while in NYC on May 9th-11th. In NYC on May 10th, I attempt to make a purchase & my card is declined. I call Comenity & go through their Fraud steps, they confirm its me, they tell me they have unlocked my account. I wait approx 30 min & use my card again & it is again declined. I called them back to see what was going on again & I am told their fraud department needs to send me a code. I wait a few minutes and I have not received anything and they tell me they sent it again. I get the code and give it to them. I am told the code doesn't match and my account has been PERMANENTLY CLOSED due to fraud.. They tell me there is nothing they can do, I have no other options to prove I am me, NOTHING. 


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This company Comenity Bank/Bread Financial is a complete JOKE! They report completely wrong information, claim that you owe money that you don’t owe, and than then turn it over on to your credit report! then sell it to a JUNK DEBT collector! Double dipping! They grasp for straws because they’re so desperate! We are talking $200! That’s a desperate company! I have CLOSED several accounts with them! including this account! NEVER, EVER again will I do business with these fools! NEVER!!!!


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Hello, On 5/28/2022 I opened a Comenity/Sephora Credit Card. I made a charge in October 2022 and paid it off in full in December and closed my account for good measure. This company has constantly hit me with delinquent payments and tanked my credit score by 100 points. 1/19/2023 - $105.00 delinquent payment 2/16/2023 - $148.00 delinquent payment. Despite me calling them multiple times and asking them why I have these charges, they told me specifically that my account was closed. My credit score has been affected by 100 points - I can no longer apply for apartments with peace of mind. It's absolutely ridiculous.


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A few months ago Comenity took over AAA credit Cards, or at least part of them. From the start I had nothing but problems. No new card was sent, so I didn't have an account number to reference. That took 2 months to fix. Then their web page was inactive for new users. Then it wouldn't let me set up automatic payments until I verified my email, phone number, and address, So I did that, but website didn't recognize it was verified. Called customer service. Not helpful at all. The rep would say, "oh. I don't handle that", and give me the main number. Finally got my information verified and set up auto pay. Last month no issue, then this month no auto pay. The website once again had my account as not verified and auto pay off. So I paid off the balance and will never do business with this company again.


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I paid off my account before the due date. I use post office flat rate to track my mail. Never trusted them with what they say in the past. They say they never received my mail. So that why I use flat rate tracking to protect myself. Well I paid in full not talking about few hundred dollar I talking about over thousand of dollars. My mail got there 12/11/2022 at 6:45am. They didn't post the date on the date they received it. They waited 9 days after the monthly fee and charge me over 200 dollar interest fee and 40 dollar late fee. And saying I mailed it late past the due date. Been fighting with them thru email on their website and I even sent a photo scan of the UPS tracking and my tracking number from post office and the address on it. They still deny it. I will never ever trust them and I am going to closed the account. I got this credit card from sportsman's guide. If you ever think about getting it. Stay far away from Comenity bank.


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I have been a customer for several year. NEVER have I had this trouble with any of my credit cards. I was charge in Oct 2021 - this was the correct charge. I was charged AGAIN in April 2022, then given a credit, THEN charged AGAIN. All I am seeking is the overcharge to be made right. This issue has been ongoing for nearly a year. I have provided ALL documents that were asked of me including bank statements, statements from this company and still I get the run around. Save yourself the trouble and don't apply for this card.


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First payment due in 8 days and online services has been unavailable for the past 7 days. No estimate on when it will be available. Called today to verify I had setup automatic payments but they would not tell me since it was in my wife's name and she is visiting family out of the US. Said I could pay it online but if I use a credit card there is a charge. I do not provide my personal bank information to anyone over the phone so won't use that option. Lastly the last time I was able to access their website I found out they will not let you setup automatic payments before the due date, but warn you in the questions and answers that you need to be sure to send the payment in time so it will not incur a late fee. Seems like some third rate financial service but was stuck with it during a dental crisis. What responsible bank takes over a week to get their website running?


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Let me start by saying I have a FICO score close to 800; I don’t need the credit. I got the Sony card because they gave me $150 for free, and my kids use it for PS5 games. I didn't receive a statement, and their web portal didn’t work because of a system error. I received a call from one of the customer service reps telling me my payment was due, so I made the full payment on the due date over the phone with the customer service representative. I even asked the representative if there was going to be a balance left, and I was told that this paid the card completely off and nothing is going to be owed next month. What I didn't know is that the payment would post the next day, which would automatically give me a $40 late fee on my account. That $40 late fee I was unaware that was on my account because I made the full payment over the phone with the rep and clarified with the rep that the account was paid in full. 


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They reduced my credit limit, despite other cards giving me increases, causing a negative hit to my score. Then cited the hit to my score and reduced it more. Never missed a payment or went over limit.


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1. On September 29, 2022 I ordered a pair of shoes from the Nordstrom website. I applied for a store credit card when the option came up. I believed it was a Nordstrom card. However it was a Woman Within card with Comenity Bank. Supposedly I was getting a 40% discount with the card.


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Terrible. Had automatic payments set up. End up getting charged interest on a computer glitch that happened on their end 4 months prior to the promotion ended. In the end I have to pay an extra $1300 dollars because I had automatic payments and assumed they were competent with their business. You won’t get a hold of them & when you do, they will say, “You should have known”.. Yes I should have known your system cannot accurately add up the payments that I should be charged each month. Will never shop with Zales or Comendity Bank again :)


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OMG this Comenity Bank is seriously delusion, they locked me out of my account so that they could charge me a $40 late fee!! I paid my bill in full every month, have an excellent payment history on my credit report and the Comenity Bank came along and literally destroyed my good credit for $40!! I received a bill with only 5 days before payment was due! After I couldn't access my account online or by phone I finally called a representative only to learn that I had 2 accounts and one was closed for inactivity on my account.  


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I have had this Boscov's card for over 2 years along with 4 other Comenity cards. In Oct and Nov my bank accidentally but a stop payment on Boscov's when I would pay the bill. After I received a letter from Boscov's saying they turned my card off I called them and my bank to figure out what was going on. My bank was at fault and wrote 2 letters admitting their error. I then was told to upload on their website. I tried for 7 days. They would not upload due to system error. No one at customer care would help me do anything about it, and they all were telling me different things. I finally got an address to send these documents to. I'm beyond frustrated and they could care less. Worst customer service ive ever received.


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I would give the experience a zero if it was provided on the rating chart. In October my AAA visa was changed from B O America to Comenity Bank. This was the worst thing! AAA could have done. In the almost 20 years that I had my visa with Bank of America, I might've made three or four phone calls. Since Comenity took over in October, I probably called at least 10 times. First they took almost 3 weeks to issue my new credit card, even though I told him I had no other credit card. There were some disputes on the billing because of the crossover without having a card, so that took a long time and some phone calls to resolve. I was due a credit from one vendor, that took a while to finally be rectified, and I was mainly the one doing the leg work. 


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WORST LENDER in the country! Buyer Beware! Bought a $25000 diamond engagement ring from #BlueNile online jeweler and applied THRU THEM for financing. Was approved thru Comenity Blue Nile with no interest for one year. Right at the one year mark (during Covid) my fiancé and I were both sick with Covid and hospitalized. Needless to say I missed the deadline for NO INTREST. I called 2 weeks later when I was well again, and explained that I was infected with Covid and was in the hospital and that I was willing (during that call) to pay the entire balance of the no interest loan right then in full! And they could care less! They did NOTHING for me, and wacked me with over $7000 in interest that I am now on the hook for to pay....This company is REPREHENSIBLE to say the least....


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I am always having to change my password because for whatever reason their website can never recognize my password from a month ago when I last signed in and change it. Each month I go to make my payments my password does not match, it takes several tries entering the credit card number, and information needed to reset password. It’s very frustrating, which sometime lead to late fees.


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I should have read the wealth of warnings across the Internet not to deal with this company before I applied for a PayBoo card on the B&H Photo website. I was looking to make a major purchase where I would have saved nearly $200 on taxes. According to the offer for the card, those who signed up would get instant approval, which I am assuming is based on an excellent credit score. My credit score is 830-850. There is no reason I would not get instant approval. I didn't get instant approval and since I needed the computer I was looking to purchase, I ended up having to pay the taxes. That irritated me as I should have been able to instantly use the card and savings that was being offered.


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I have an Interval International Mastercard credit card thru Comenity. Access to my account online is almost always unavailable. Can't review transaction, balances, rewards, etc. When you try to sign on it states "information is not found", but when you try to change your password, it recognizes your account #/user name but then gives you a "technical error has occurred" message. This goes on for weeks or months. When you call Customer Service, they tell you "management is aware" but never have a timeframe for access being restored. It occurs repeatedly and lasts for long periods of time. It is unbelievably frustrating and mind boggling that a company that services so many company CC's is this pathetic at on-line access and maintenance of accounts. It is truly pathetic!


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Since Comenity took over AAA Bank of America, there are issues with them accepting payment. I pay via PNC bill pay for years to Bank of American, and Comenity has not been accepting ACH payments. No one tells you this, so PNC is issuing checks that take weeks for Comenity to accept. This causes late payments and interest charges. Then you have to call customer service, but ask for supervisor since the customer service doesn't acknowledge the issue or doesn't know the issue of Comenity not accepting payments. Check sent our 12/2/2022 and it is 12/24/2022 and the check is still somewhere in limbo.


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Recently Bank of America sold the AAA travel credit card accounts to Comenity. I was informed of the upcoming change and waited for the new log in information. I was able to get online and set up my account but discovered I was past due. I made a payment on Nov. 26 for three times the minimum payment. I have two major complaints. First, the website is misleading. On the home page it says, "No payment is due." Then on the payment tab it says, "account past due." I called the company and the agent, Omar, explains their policy. My account will display delinquent until the Dec 22 date. I am a responsible consumer, and I don't typically pay my bills late. I voiced my disagreement with the policy. He could not do anything about it. Is this a policy to pay a bill but not entitled to the service for nearly a month. Thank goodness I don't use this card and have other resources to use during this holiday time. This company has given me something to think about. After I pay it off, I may just close the account.


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The Home Page on the website is awful. Home Page says my statement balance is unpaid, it was paid almost a month ago. The Transactions portion of the site is absurd. All it gives is a list of charges, does not give the current balance with each transaction. BofA, the previous AAA credit card bank, had the current balance with each and every transaction. Now I need a calculator if I want to know the balance at a certain point in time within the billing cycle. Have contacted via email - no response. Just spoke with a representative who repeated rote talking points. Will be looking for another Credit Card - was using AAA with BofA for years, never a problem.


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I’ll admit that I haven’t used their credit since February this year, but I didn’t think they would cancel my account. I’ve spent a LOT of money with them. I always paid on time. It was embarrassing when they handed me my card back and said that it was no good. Now I know that they were right. They don’t deserve my business.


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Was fine when the card was with BoA. Since the switch, just horrible... Customer Support is clueless, can't get my reward money deposited to my checking account but they automatically take my payment from my checking account. They have no answers... terrible company.


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Oh, my. Save yourself and stay away from ANY product from this swindler. My AAA credit card with Bank of America got moved to Comenity. I tried to access the account electronically, and was denied. I called their help desk, waited interminably, and was told it was fixed. Nope, still denied access. Called back, waited, was assured it would be fixed soon. Nope--weeks later, still unable to log in. Then they tacked on interest & a late fee, because I refused to pay without first seeing the statement. They eventually sent me a statement and a letter claiming that they would waive the fees. I paid all legit charges, but not the fees.


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DO NOT GET ANY OF THEIR PRODUCTS as they will not follow federal law! I reached out to this company when I noted that an airline defrauded $980. I sought their help, sent evidence, reports, continue to write to them for update WEEKLY and more than once at times. Comenity LIED to me that they were investigating, they MISLED me by sending a generic message disregarding what I have written and presented, they HID EVIDENCE that the funds were returned after federal agencies demanded the airline returned the funds.


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1) On Comenity BJs Wholesale - I have no issues with BJs in past years ONLY UNTIL this summer 2022 when Comenity supposedly had system upgrade and since summer 2022, my BJs rewards have stopped accumulating in BJs app. I've contacted Comenity regarding BJs rewards, sent email via Comenity website, contacted BJs to be re outed back to Comenity Rewards and still nothing!!! Same old response from Customer Service - system issue, etc. Anyways, I am closing my Comenity and BJs account altogether.


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Apperently, Comenity took over AAA Visa accounts from Bank of America in October of 2022. I have had my AAA Visa card since 2000. Since Comenity took over, I have had 2 months of hassles, issues, and now have a frozen account. I received NO heads up or information about the takeover, paid my Sept payment to BofA like usual. Tried to log in to make my October payment, and the account is no longer accessible on BofA. Tried again a couple of time the next couple of weeks, since I had no idea what was happening and figured it was a site glitch and I'd just have to suck up a late charge. My old due date with them was the 3rd of the month. Then, I got a random message from Comenity Bank stating my account was overdue and I owe a min payment of almost $800. (I have another small store card with Comenity with zero balance, so this threw me a bit.)


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They have the worst customer service. The supervisor hung up on me because they have not sent my credit card and I have called literally 10 times and they keep saying that they did and maybe I need to call my postmaster. So I explained to her that I received my bills so why wouldn't I receive the card so I asked for her escalation Department and she hung up on me and so many companies use this company for their credit cards and they are horrible.


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AAA transferred its credit card services from BofA to Comenity in the Fall of this year (2022). On the transfer date all account information was cut off from the accounts by BofA but Comenity was unable to successfully activate cards they sent in the mail. Two months later I am still without one of my cards and their website is down so I have no way to see what I owe or to make payments. When the site was up, I couldn't cash in my rewards credit, the website failed. The only way to get information is to spend hours on the phone waiting for their miserable phone support to respond. They admit to 'problems' with the transfer and their website. What a disastrous move for AAA. Their credit card service via BofA was excellent. I assume they switched to Comenity for cost reasons. Their reputation has suffered as a result.


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Customer service is HORRIBLE. Always a problem with my statement and redeeming rewards. Have to call customer care and after about a 1/2 hour wait to talk to some person who barely understands my concerns, problem still doesn't get solved. I will pay off my balance, let them keep their rewards and NEVER EVER use them again. Their system was down from June till July and their explanation is that they are still working out the kinks!! Even before that, the customer service was still horrible. Too many other cards out there to use this one and have less aggravation.


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For AAA Members who have been switched from Bank of America to Comenity Bank. If you are having problems signing in, accessing your account, or creating an account YOU MUST GO TO AAA.COM/ADVANTAGE. DO NOT TRY SIGNING IN AT COMENITY DIRECTLY. This is not very intuitive.... but look at your statement. It says "Account Questions? Need to make a payment? Want to know how to go paperless? Visit AAA.COM/ADVANTAGE." You can then create an account and pay your bill online...


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AAA just switched all their AAA Visa Rewards holders to Comenity Bank. Very difficult time registering. Cannot pay bill online. Comenity is having technical difficulties with their online payments and account lookups. this has been going on for 2 weeks. You can only pay through the phone to representatives based in India at a charge of $9.95. This is criminal. AAA is also to blame.


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This is the most appalling, atrocious, shady company you will ever deal with. I have waited over two hours on hold to speak to a manager, we had to file a complaint with a supervisor named "Robyn" so who said they're "a huge bank and never have had a customer with the online issues I've experienced" accusing me of being a "condescending liar". This not only was immature comment especially coming from a manager, it was absolutely appalling. She also claimed that they're a "huge bank" but then later said "when you file your complaint about me you only need my first name because I'm the only Robyn in the organization." Hmmmm let's think about that one again. 


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I wish I can give negative ratings or zero stars. I have been using bank/card services with so many banks and Comenity is definitely the WORST I have ever seen. They issued Ikea credit cards rewards through certificates at the end of the monthly statement without notifying and there are short windows for you to use them before they expire. When I figured it out, six certificates already been expired and they refused to re-issue. Fine, I paid for my fault. Then I got three certificates from the July statement, $15 each and $45 in total, which will be expired on 10/31. 


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Opened a new credit card with BOSCOV's, issued through COMENITY Capital Bank. The statement arrived by mail after the billing due date. Contacted the bank by phone, made payment using my NFCU Debit Card and was assured payment was accepted but was not given a confirmation number. The payment, never processed. I called again after receiving another bill with Late fee and finance charges. Called bank again to resolve and was told they had an electronic glitch on that particular day and to wait for a corrected statement. Received an acknowledging letter claiming resolution was being reviewed, wait for a corrected statement...never came. Got a text message to call bank.. They denied claim and charged me an additional late fee. They claim my DEBIT CARD with NFCU was invalid and it was my fault...NOT TRUE.


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We had a AAA Visa Card for 15 years through Bank of America. Without notice and from one day to the next, I was locked out of my B of A online account. B of A had no idea why and thought it was a technical issue, so they wrote up a ticket to have our account reviewed. The next day, they informed me the credit card had been transferred to some no name bank (Comenity Bank). My payment was due in a few days, so I had to speak with someone at Comenity. After an hour hold (and automated nightmare), I spoke with a VERY rude woman that was willing to take my payment, but only if I agreed to a $10 charge - despite my explaining to her that we were never sent new credit cards/new account information, nor any notice of the change. 


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Recently, AAA moved their Visa card from Bank of America to Comenity and it has been nothing but a total failure. The user confirmation tools on their website do not work. I have reported this to the Comenity technical folks and they claim it has been resolved, but the issue still remains. Payments to Comenity from my bank's bill pay service never go through (they've gone through flawlessly for over 10 years to every other creditor). Comenity wants payments made through their site, but I use my bank's bill pay for security and convenience--there is absolutely NOTHING convenient about having to log into the one oddball company that refuse to work with the rest of the world. At this point, $700 in payments (verified by my bank) is lost somewhere in Comenity's little lost world. I don't know why AAA would go from a dependable company to such an undependable one, but we will be canceling this card and moving to a much more reputable provider.


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Had a poor experience with this bank. Their website was down and I was not able to make a payment. Received late payment fee that I was informed was removed but received a bill a month later. I spoke with a manager that was unwilling to remove the fee after cancelling the card. Never had this type of customer service with any other credit card company.


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I registered and was approved for an Ikea credit card. The temporary shopping pass was not provided to me. When trying to call to resolve this issue the customer service kept stonewalling me by transferring me to Ikea which left them confused. Strongly suspect that this is done on purpose as no one registers for credit cards in advance these days.


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Paid 2 payments in June and July 2022 and still haven’t received credit. Finally got my bank involved and they tell me it will be at least 90 days of review. I have a credit score of 870 so I don’t take my bills lightly. They are the absolute worst ever.


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We had a BOA AAA Visa account for more than 30 years. The recent change over to Comenity Bank was a total nightmare. Their automated "customer service" phone lines just get you into an endless do-loop and I was never able to activate the new Visa card they sent. It took me dozens of attempts to finally connect with a living human being who was finally able to activate my card. A day later when I tried to access our Visa account on their website it didn't recognize our account number and other information. In desperation I finally opened a Visa account with USAA, where I was served start to finish by a real human being... Should have made the switch LONG ago. 


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I have held a AAA Credit Card since 2013 through Bank of America. Well, BoA decided my and many other's business wasn't valuable, so they dumped us into the dumpster fire that is Comenity Bank. Wow, what a pile of trash. First day on the site, I had to go through some rigamarole to set my account up. I log in, and the thousands of points I had saved up had been slashed to a measly value of $50.00. I decided to click and see what rewards I could hope to earn. The website went to a 404 Error.


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After holding the AAA Bank America VISA for 20 years, I am horrified with the Comenity replacement. The company is ill-prepared for this transfer. The customer service rep was arrogant and condescending. I asked to please cancel the account, but I see no evidence of this happening yet. I still have multiple unclear purchases called "Bread Crumb Trail" (the rep thought I was an idiot for not knowing what these charges were by memory - 3 people use this account). All I want is to be done with this company and AAA, but I feel stuck now. I refuse to call back. IF you do not yet have the AAA travel card, go elsewhere!


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I've been a AAA Visa Card holder for years. Recently AAA informed us that they are moving my VISA from Bank of America to Comenity Bank. This transition has been a disaster. Issues: 1) Unable to successfully activate new credit cards (I have 4 on one account), 2) Unable to successfully create an account on Comenity site. Called customer service - they were NOT helpful. After waiting on hold, they said issue should be fixed - but it was not, cards do not work. I am done, time to cancel and get a Visa from a company that is competent. Note - I have worked in IT for over 30 years - there is no excuse for this.


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Comenity credit card has the worse customer care service that I have ever experienced. I waited 2.5 hours on hold before I actually got to talk to someone, and then I could barely hear or understand the person. I was afraid the call was going to disconnect. Yes, the representative did finally take care of my issue, but 2.5 hours??!! Comenity is always having computer issues that seem to take months to resolve. BJs needs to change credit card companies. Don't sign up for a BJs card until they do.


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No app… Website down constantly… AAA switch from Bank of America visa to Comenity visa without any notice then all the sudden I was stuck. I couldn’t access my Bank of America app and account nor being able to access Comenity website and I was surprised that they don’t even have an app for their customers. I’m also blaming AAA for this mess.


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I cannot rate this business low enough. I have this company for two store cards, and I really regret it. I have had one card since roughly 2015, made payments on time consistently, and since they've been bought by Bread Financial I have had nothing but problems. They keep moving due dates around for one card, calling multiple times a day claiming we are behind, once claiming we owed three months of payment and we weren't behind at all. My other credit line said they were sending me a new card when I lost my current one. They didn't, and I was without a card for actual years. I requested a new one several times, and the same thing always happened. 


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I have many credit cards with Comenity. NY&Co was having technical issues and my payment didn't go through. It took Comenity 90 days to complete their "investigation" just for them to say they aren't going to give me back the return fee. Comenity is trash and I will no longer be using any of my cards with them. Lost a valuable costumer because of their error.


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Comenity Bank is awful. I have a few cards thru them and let me say they are just horrible. I've had Victoria's Secret for almost 2 yrs, never missed a payment on it or any of my cards for that matter. I always pay early but this card I started out with 150 cl and now I'm down to 50 bucks they have continued to decrease my limit because my credit score has dropped down some. And now the same thing with the Sephora card. I had 250 cl. It's been paid up for 3 months. Victoria's Secret has been paid up for a while as well. I did use them both here and there and paid them up before they decided to do this crap. 


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In June, BJs through Comenity Capital Bank send me a bill for $6.12 which I paid using the account I set up in my bank for BJs years ago. The next month I received a bill for $350.36 which included a late fee and some accrued interest from the month before. I called the bank right away and the representative had the $30.00 late fee removed. However, the representative said that they could not remove the accrued interest. I made a payment through my bank and the account I set up years ago and it was paid on August 16. I tried to get gas on that same day and my card was rejected. 


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I was informed the Farmer's Visa through Comenity was being discontinued but that rewards would still be earned thru 7/31/22 & could be used thru 1/31/23. I made a purchase of $1650 6/23/22 & was supposed to earn 3% because it was a Farmer's ins product. I never received the reward and the reward site has been down for 2 month. Also, they charged me a late fee which I felt I didn't owe, but they didn't reply to my message until I owed a 2nd late fee. I felt I was charged $47.78 unfairly, but when I called they said no credit could be given because the account was closed - which they closed, not me. Funny they can charge late fees on a closed acct but can't give credits. I had paid my entire balance on time before the late fees were given. Very frustrated because I was on auto pay & I'm never late!!


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Just a heads up. Comenity Bank who approves stores such as Victoria Secret, Express clothing credit cards. This is the worst Bank, I got approved for a certain amount. They lower the amounts of my cards because my credit score went down. I paid all my monthly payments on time and not once missed a payment and they cut my approval limit to more than half. I have my Victoria Secret credit card for more than 3 years. Not once I missed a payment. They never increased my limit. In fact they decreased my limit since my credit score went down. Also I don't even use my credit card as much. Not even 50% of the balance. This is the worst bank approval I heard of.


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When my Gardner White furniture store card was converted into Comenity MasterCard with the same credit limit, it looked like a good idea. However, after recent 'upgrade', it has become a complete shambles. Rewards program has not worked for at least 3 months (1.5% cash back is not being honored), my credit limit was reduced by 50% with no prior notice despite excellent payment history (imagine when it happens while traveling overseas!!!). Website did not work for several weeks in June and July making it impossible to check balance, available credit etc. while traveling. No app is available. People in charge of customer service seem to be completely incompetent. I closed the account and advise everybody against considering this product. Terrible way to treat the customers!!!


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Even though this bank "Comenity Bank" which under rights the credit card accounts for Floor Decor, is a subsidiary of Alliance Data which is rebranded under Bread Financial, it is performing financial fraud with customers nationwide. My experiences were related to their faulty website practices of not showing you any information when you payoff your account balance online. I waited 48 hours and no confirmation, then when I attempted to redo the payment online, suddenly I received a verification. 


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Save yourself a lot of grief and do not get the BJ’s card from Comenity. They refuse to take payment through automatic payments. Then they charge you for interest and fees! I kid you not. They are criminals in my opinion.


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I've only had this Comenity card a few months, thought it was a good card but now I know better. Was never able to get my cash back, was told it would take 45 days whereas other cards instantly apply your reward, so in order to not get a late fee I just paid the cash back balance. Customer service was horrible, had these people who don't speak well and they were very rude. I made many calls but to no avail. And they had told me I had to change my password by June 27 but when the time came, their system was down for a month. 


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I called them to verify how much to pay my card off in full and how long that amount was good for. I was given a figure and a date. I paid the amount off in full before the date given and then received a bill for $169.16 which was a membership fee of 110.00 and 59.16 in residual interest LOL which I called and made sure that the balance I was paying in full included everything and was given a pay off and a date to pay by for that payoff, which I paid, anyway I called and spoke to 3 different people today. Two considered supervisors. Another LOL. No one will remove the interest which never should have been charged in the first place. This bank must be really hard up for money so I am closing my accounts with this bank and will never do business with them again in any form. If I get a credit card from them I will not keep it. They are horrible.


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When a few brands we have credit cards with moved to Comenity, big problems began. They included the NFL and BJs. Constant, prolonged system outages blamed on update problems, keep us from being to monitor usage and even delays payments over and over despite a lot of work trying to pay. With all that system problems, which have lasted for months, their customer support staff is overwhelmed and is very difficult to reach.


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This bank has messed up my credit card account every month for the past 4 months. I will list the issues: First this joint account was switched to Comenity when BJs switched to Comenity Bank. Comenity does not have Joint accounts so they made my wife account holder and me an authorized user. Every time I call customer service to get them to fix problems with the account they refuse to speak to me. We have to wait until my wife has a day off at which time she tells them to speak to me. Our account has always been set up to auto pay at Comenity to draft the statement balance from our checking account on the due date. 


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I own a couple wedding rings with Helzberg through Comenity and paying off a 6 month promotional plan has been a nightmare. Don’t bother getting anywhere with the first representatives that pick up the phone, and when the system is working - hopefully the 2nd tier/senior representatives do the job correctly. Think twice about opening a credit line if you see Comenity attached to the brand.


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Comenity is a subsidiary of Alliance Data and they have rebranded to Bread Financial, the company have taken my card's auto-payment off without my authorization and did not gave me any notification of payment due. They then charged me hundreds of dollars in late fee! I tried to work with customer service but none can revert my fees back. This is the most despicable business practice and I am sure they have done this to MILLIONS of users resulted in BILLIONS in these unscrupulous charges. Unlike those rich ** Executives, I made $11/hr. SO these late fees are an incredible stress on my finance. THEY OBVIOUSLY DON'T CARE ABOUT MY SITUATION.


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After looking through my bill I realized that I am being charged finance charges on my credit card bill twice at the end of the month. After finally reaching Comenity Bank and asked why I was being charged dual finance charges at month's end billing. I was told because they took over the PlayStation card from Capital One in November and I had a $200 balance and I was paying a finance charge on the $200 purchases I had with capital one and the new purchases I made with the card since they took over was a separate finance charge. WOW!!! Closing account ASAP!!


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I have been trying to talk to bank for over a week with no luck. Have tried email on the back of card and it told me it didn’t exist. Have tried other social media sites with no luck either. Have other accounts with Comenity but haven’t had any problems that I needed to call bank.


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I had opened a card with Comenity with promotional offer. I paid balance in full, but because it was on the weekend they decided to charge late fee. I called and closed account and told them to discharge the late fee because I paid balance in full on time and it's not my fault that your system is not registering payments on weekend. Now they are reporting me to all credit agencies that I have a balance of 138 and have late payments and my score dropped from 800 to 600. Nobody responds to emails and nobody picks up the phone at 800 number.


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I have had a credit card with Express for the last decade + I have never had an issue until the last month. I have been attempting to get in touch with a human regarding paying my bill. It seems nearly impossible. It takes a minimum of 30 minutes to get anyone to answer the phone. When they do, they are the worst customer service people to ever have been on the other end of a phone. I've gotten hung up on several times. Reverted into queues with astronomical wait times, and just been spoken to beyond rudely. Where in the world are these people located?


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I have had this credit card for about 15 years and haven’t had a problem until recently. Their website has been broken for about a month without a way to pay your bill until recently. I’ve tried calling customer service numerous times and have been disconnected every time. I’ve sent secure messages and haven’t received notice within the 48 hours they claim. I’ve finally managed to pay my bill but it hasn’t been withdrawn from my checking account. Never again will I sign up with this bank now connected to bread. Terminating this credit card — if I can ever get a hold of someone to do so! Run fast from this company!


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When I purchased items from Burks outlet, they asked me if I would like a savings card, I agreed thinking it was similar to a Food Lion card, had no clue it was a credit card. She typed in my information and told me my limit was $250 then it hit me that she meant credit card, insert eye roll. I used the card and paid off within 6 months. Paid a total of $324 in March on the website. Paid the card off and closed the account. This is July. I received 2 phone calls from them in one day last week, both times I answered they hung up immediately. The next day they called again and told me I had a balance of $51. I told them it was paid off in March and to please let me speak with a supervisor. 


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Shopping at Loft, I agreed to open a loft all rewards MasterCard. I put a purchase and change on it. I lost the digital receipt and over four weeks later I still have not received a statement or a card. I have been calling Loft and Comenity’s various numbers, only to be told that the system is down or it transfers me for customer service only to find out its bots selling life alerts and DIRECTVs. Seems like a scam and something is going on. I am so angry that Loft is allowing this Bank to do their business. My bill is due in a week and I can’t even pay it unless I give my bank information to one of these numbers. I’m not comfortable doing that and would rather be able to wait until I can pay by phone on the app. That way I have a picture and record. Loft is no help either.


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I made purchases through a vendor that offer credit incentive through Comenity Bank, now called Bread Financial. I have made several attempts to pay off my loan and somehow they can't process it. They told me they can only accept payments under $10k and if I want to pay anything larger than $10k, they will need to make a few payments. This is fine but after passing me to a supervisor/manager, he was able to help with processing, mind you this is the third time that I try to pay off (the first two was unsuccessful, somehow my authorization went through thin air). After he had enter all information, I waited for a week to make sure it gone through, and of course it did not. I tried to call back a few times and their phone system said they are having issue with accessing all accounts. I just found out that they had reported me to the credit bureau for not paying my loan. This bank is disorganize. Their customer service folks do try to help but they are lack of bank knowledge. I am very disappointed.


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Since the planned update recently that took longer than expected, we could not make payments over the phone or online. Finally we went to several retail stores whom credit was through Comenity and made payments or paid off the accounts. Payments were lost in transactions and now that their phone system is working they are telling me that they can see the payments and are working on it but I need to pay late fees due to their issues and it is being reported to the credit union.  Most of the stores we went to didn't even know that their credit company was having issues. Sounds like a class action lawsuit in the near future.


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This company a few months ago purchased NFL Rewards Card from Barclays whom were an absolutely awesome company for over 13 yrs I had account with them. Ever since this company has taken over, every single month it has been a disaster. At first they locked me out of my account when I actually had a negative balance (They owed me money). I had to prove to them who I was with copies of Id, SS card and even a utility bill to then wait another four weeks for them to unlock my account. They claimed security issues flagged my account..?? 


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I have been dealing with a payment I made back in February, noting they are not receiving my payment now for 4 months. We have issued now 3 separate checks to them, I receive an email they received it and then another letter in the mail noting my account is on hold. Never in my life have I had such a run around by a company that clearly is not running correctly. Can't get to a manager, have sent now 2 times all of the documents they have requested and call every single week to go thru the same circle with them. I would never ever recommend anyone using this bank and the sad part, I will never shop at Carter's ever again because of the bank they are using.


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I along with all of their other cardholders have been inconvenienced tremendously. They claim they had a planned system upgrade. If that was the case, customers should have been notified of this planned upgrade. I like most of those people have been trying to access the online portal to make payments, view transactions and any other account options. As of this post I have been unable to log into my online account center to view transactions for 11 days! They have a copy and paste response on Facebook about the "planned" upgrade saying to keep bearing with them. It is unfortunate that is the way this company is handling themselves. They plan to waive late charges for customers who missed payments on the 27th and 28th, but unfortunately for the other people they are out of luck. Hopefully this issue isn't reported to credit bureaus for those people. I paid my bill in full to avoid this. 


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I applied for a Sephora credit card and was immediately approved. I was able to make a small purchase with a digital temp card but the card was physically sent in the mail. Less than a week later I got an email saying my card arrived in the mail but it never did so I called Comenity Bank's customer service and they said they sent me another one. A week goes by, I receive nothing in the mail so I call again and they say they are going to send it again. At this time, It's been a month since I was approved for the card so I have received my first statement and a payment is due in 20 days. I am unable to make a payment without the physical copy of the card so this will affect my credit score if I never receive the card (for the 3rd time, let's pray it actually comes)..


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On a monthly basis, they will send a denial letter (Even though you never applied for credit with them). Those causing one's credit score to plummet. Contact them about it, they refuse to do anything. So, anyone is looking to look for credit cards (I'm not; however, if I was, I would not deal with Comenity Bank even if my life depended on it). Stay clear of them. Comenity Bank is nothing but a scam and they will do everything they can to ruin your name even if you don't have an account with them!!!! If all possible, stay clear of Comenity Bank and never allow yourself to be scammed by them because they will ruin your credit even if you don't have credit with them.


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Whenever I received their paper billing statement I went to my online banking and sent payment in full. 3x in a row I had late fees added. It wasn't until I realized that they claimed to mail the bill on the 1st I wouldn't get it until the 13. I guess my bank would mail a bill to them and by the time they entered it in it would be late. I've been on the phone trying to contact someone while writing this and 2x I was a hold and drop. I hate these smug cheap money grubbers.


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I opened a Sally’s Credit Card and was approved. I purchased a few times and kept up with my payments. Bought a new blow dryer and curling iron. Quite pricey but great products. Miss my payment date TWICE, Due to Covid, but made my payments and got $40 added for late fees each time. They decided to lower my balance which dropped my credit score. I paid the balance off and did not use the card for 2 months due to still trying to get caught up due to having Covid for almost a month. They didn’t care and decided to close my account due to no activity. Which really hurt my credit. They will ruin you and your credit before they will help your credit. Do not get a Comenity Account anywhere.


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Worst credit card ever. Wouldn’t recommend. They have lots of technical issues on there and involving the online payment system and then you are the one that gets in trouble for it resulting in your card been frozen for weeks on end. If you try to talk to anyone you will receive the worst customer service of your life. The last time I tried to call and have an issue worked out the woman straight up hung up on me. They will not give you any help at all and they blame you for all of the technical issues.


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I have had nothing but trouble getting help on a situation with my account. Comenity bank says it's Ulta's problem. Even trying to get through to a human being is next to impossible and when you do, the person disconnects within seconds of saying their name. Every single time. The only way I could find to communicate with someone is through the online customer service. They say, "We've sent the info to a higher department," and to wait for 24 hours for a response. This is twice now I've been told that and I've heard nothing. This isn't the only time either, I felt completely helpless when my card was being scammed a while back. I'm canceling my Ulta card and going to Sephora. Good riddance.


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I do not recommend this company Mastercard. I did not receive one billing statement and was told after I payed my account in full satisfaction. I could not use my credit card for thirty days due to one missed payment. I never missed a payment and always paid my balance in full payment. I was a loyal customer, I could not believe I was being treated like I stole something. I canceled this credit card and will not do business with this company again.


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Harasses you if your payment is even a few days late (not even 15 or 30) and will lower your available credit if your credit score fluctuates, further lowering your credit score. DO NOT TAKE THIS CARD. IT'S NOT WORTH IT and can do more harm than good to your credit.


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I have had my Victoria secret by Comenity bank credit card since 2015 and never had an increase since I opened it. I have had on time payments, increases salary and even spoke to a representative. I was told sometimes the customers put the card on hold for no increase. About a year or two ago I was told they would take the hold off since I did not request to put it on hold but still no changes. In store workers told me they had increased the same year several times since they open their accounts, yet mine stays the same. It’s not worth keeping if it doesn’t increase from $200.


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I had a MasterCard with this company for numerous years. I went to make a purchase shortly after paying off my balance. As a matter of fact I overpaid. I went to make a purchase and I had to answer some questions by customer support to verify it was me. They called me on my phone that is on file. I was in a store and had to ask them to report several times. Apparently I failed to give a correct answer. So they went and closed my account and red flagged my credit report. Instead of contacting me or letting me verify another way they just closed my account. STAY AWAY FROM THIS BANK, THEY DO NOT CARE ABOUT CUSTOMER BASE.


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I've been collecting SUBs, trading in perks, and otherwise sampling a lot of cards these past few years. I'm doing it from budgeted perspective. Some people are also looking for a bank that pays competitive interest on deposit products which Comenity does relatively speaking. It'd be great if Comenity offered good interest rates and great card but the bank offers a base level MC featuring run of the cashback statement credits and a sucky welcome bonus. A moderately high bar to clear for acceptance. The user reviews I'm reading say nothing better or nothing worse than the other lower budget cards in the credit card universe. This is a weak card with little enticement.


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Do not open the Comenity® Mastercard® Credit Card! They will screw you over and over. Getting help from anyone that understands you is even more frustrating! I had my credit union cut them a check for the total balance and Comenity did not process the check in a timely manner, thus resulting in another finance charge. My credit union had to reach out again for an overnight address, claiming they never received the check (a month later and with the address confirmed by my credit union) and even after paying the balance in full, I receive another finance charge for the zero balance. Comentiy was not willing to reverse the fees and I'm still living this nightmare even with the card closed and paid in full. Save yourself the headache. It's not worth the reward.


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I opened a Comenity Pottery Barn credit card August 2020. The card had a $4135.86 credit on the account when Pottery Barn switched to Capital One. However the credit was not transferred to Capital One nor refunded to me before the account was moved. In addition 6 months of statements with carryover credit are no longer accessible online to view. Capital One said it’s not their problem, Comenity representatives disconnect me and there is no online access to the original account. I will be sending my complaint to the BBB, state attorney general and consumer protection agency for resolution and recovery of monies owed.


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I had trouble logging onto the website and in January received a late fee. I thought my due date was on the 15th but was actually on the 13th so in February I paid it off on the 15th. Then received a late fee three days after I paid it off and have been charged two months of late fees. I called and spoke to someone who was not willing to help me and rude. I will definitely be closing out this credit card!


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I was unable to pay Comenity for 2 months because I couldn't access the website. I even tried their quick pay where you just put in your card number, zip code, and last 4 digits of your social. It told me that the card didn't exist. I finally called today and had a hell of a time getting to speak to someone. Finally a customer service individual helped me get a new password set. I was able to log on, make a payment, and move on with my day. I tried signing in again, it said it failed. I did both the website login and the easy one where you put your card. Guess we are back where we started. Same damn day and it doesn't work again. Do they do this on purpose to rack up late fees?? I am going to cancel my card. This is ridiculous.


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Purchase furniture with zero interest if paid off within the promo months. They don't tell you there is a finance charge every month depending on loan amount. It would have been cheaper paying the interest. Comenity Bank is a rip-off.


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This card is horrible. I paid my bill the day after the due date and they have been charging my card a 40 dollar late fee for the past few months even after I cancelled the card. It's already on my credit report stating that I didn't pay this stupid late fee. Even if you don't use this card they expect you to pay 20 dollars a month.


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Charged me a late fee and would not waive it even though I'm 100% positive I set up a payment! But their system NEVER messes up...okay, yeah, sure! I guess they have a different system than the rest of us, they live in a magical world! They could even see that I logged in, umm....excuse me....Why would a person log into their acct days before due date AND NOT SET UP A PAYMENT. But no, instead they called me a liar and TOLD me I did not set up a payment (because their system is magical and would never glitch) and I'm stuck paying a ridiculously high fee with interest charged on it!


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The customer service is the absolute worst of any bank I have ever used. They charge fees on top of fees and refuse to help you. I will never use them again. My payment for my credit card was lost in the mail. They told me they would waive the late fee and to send a new payment which I did. But then they didn't remove the fee and added a new monthly fee on top of it two more times while I tried to get the original one removed. So they finally removed one of the late fees but demanded payment for the ones they added on top of it because they didn't do what they said originally. Poorest customer service I have ever received from a bank or credit card and will never use them again.


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I paid off my Big Lots credit card in full. The next month I get a notice that I am late and owe them $46.00. I paid the balance without complaint. The next month I get a notice that I owe them $76.00, now I am paying attention. I check my balance and Big Lots was charging me a "mandatory $2.00 interest payment" on a paid off account. I called and told them to close the account. I asked why I was being charge these charges and was transferred to another agent who disconnected me. I attempted to call back and was sent to an automated message that "representatives only work Mon-Sat." It was Sunday morning and I HAD JUST GOT OFF THE PHONE WITH THE REPRESENTATIVE. If this is the way Big Lots handles disgruntled customers I will never utilize their services again.


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This company lied and manipulated my 91 year old mother with dementia. They scammed her into getting a credit card for purchases made to the Woman Within catalog. All of the items were either not shipped or returned. They initially tried to give the money back as a credit for merchandise. When they were told to credit the credit card it was a back and forth between the clothing line and the credit card. This was months of battling back and forth with empty promises of things being resolved. We were told on multiple times that things would be taken care of. And months of calls and promises ended with the credit card stating a return merchandise fee of $28.00 was not paid so they kept adding late fees even after two conversations with managers stating there was a zero balance. 


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If you have store credit cards with Comenity, they will charge you finance charges after you have paid off the bill by the due date, and they try to justify it by saying it's calculated daily and you have to pay it. I told them that that makes no effing sense and get rid of the charge, which they did, so this is a warning that if you pay off your bill each month or so, you will still incur finance charges after your account balance is 0, and apparently they think they can get away with it.


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I obtained a Tile Shop credit card, which is issued by Comenity Bank, to purchase tile. Comenity sent an email notice to pay the bill online, but it required the account number, which I didn't have yet. The paper bill came about 10 days later and I mailed in payment for the entire balance the next day. The card itself came several more days later and doesn't even have the account number on it. The next bill came and had a late charge and interest, because they got my payment late, even though I mailed it as fast as possible. There was no way to pay it online because I didn't (and still don't) have the account number.


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I have to start from the beginning. I make a payment from my Citibank checking account early in December 2021. First it does show processing, but later a week it was denied. Reason my bank account routing and check account do not match. I double check too many times. I am 200%, that I enter routing and checking account are correct. I have been make payment to Best Buy, Walmart, Target, Amazon, Capital One. They never have problem return like Overstock bank did.


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Never, never use Comenity Capital Bank!!! You will be stricken hard by an outrageous finance charge at the last minute. I bought my wife a one-carat diamond ring to commemorate our 30th wedding anniversary in November 2020, using Blue Nile Credit Card issued by Comenity Capital Bank. It took me 30 years to buy her a diamond ring, and it needed another 12 months to pay it off. However, due to personal circumstances, I could not pay the balance in full in November 2021, the last month of the twelve-month promotion. The balance in November 2021 was $409.


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If I could give Comenity bank 1 star I would. They are charging me $140 in late fees (sending the payment on time). I have spoken to several representatives and supervisors and get a different story each time. 1- "We are understaffed and don't have enough personnel to process the payments." 2- "We recently switched banks and your bank account has changed." 3- "The facility you are sending the payments to was destroyed by a storm and we have a new processing center." 4- This one was the best-(supervisor Erica) "I don't know who you have spoken to and there are notes on your account of what you have told me but none of that is true. We have not changed banks and you need to pay the late payment fees, I am truly sorry for your inconvenience." Lol. 


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I’ve had two cards with this company. One for 8-9 years and another for one year and they decided to close my one year old card without any details. They claimed that they processed a hard inquiry again and found that I was a risky borrower. Not sure how that’s possible when my credit score is 680 and I have no collections from this company or any other. They said a letter would be sent in the mail and I did not receive anything from them. Considering that they pulled my credit report, approved me for a card and then I lost the card and this is how I found out about this. To then now close that account without any explanation. Meanwhile, I have a hard inquiry I can’t get rid of until it falls off after two years. Don’t bank with them.


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Will never use Comenity Bank again. I have (had) a Mastercard with them and with few exceptions, I pay my balance every month. My purchases started being declined and I called to about it. They closed my card. I have not had a late payment in YEARS and am not buying their excuse that a credit reporting company reported something negative on my account.


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They appear to use every tactic possible to slow the repayment of Certificates of Deposit. They continually lie about when the money will be refunded. Even with good rates they should be avoided. Support is friendly but frankly not helpful.


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Awful customer experience. I was told that I owed some amount and I authorized the customer rep to go ahead and make a payment. She said I was all set and a month later they charge $1 on my account and since I did not make any purchases, I did not log in to see my account balance. After 3 months, they send me a paper bill saying I owe $39. So, I call them and I explain them what happened and they ASSURED me that they would take the $39 charge off my account and I don’t owe them anything. I opened my account today to make sure and I see $7 charge on my account. 


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I have had a Carter's card for three years. Never late, didn’t use it excessively, paid my balance in full. This company randomly pulls credit reports and cancels your card based on information in your report. Whether that information is accurate or not. So now they tanked my credit even more by canceling a positive account. It is sad that they don’t do business based on good client relationships and how responsible you’ve been with your account, but rather what random, inaccurate information is on your credit report. Be careful with any store cards dealing with this bank. If they use Comenity, don’t do it!


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I had the Children's Place Card issued by Comenity Bank for about 5 years now. NEVER missed a payment. Now that my kids are getting bigger I use the card less, I have had this card paid off for 2 months and stopped using it at a ZERO BALANCE. At a zero balance you expect not to check the website every month because you know you do not owe anything. What a slap to my face. I got an alert thru Capital One saying I have a new report on my credit history a negative rating. I logged in and saw the Children's Place reported my late 1 month. Why? 


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Worst bank I have ever had credit with. I made full payments all the way through the pandemic. I missed two payment due to the pandemic. I wrote them a goodwill letter and requested they remove it from my credit. All the manager said was they were unwilling to work with me. They also lowered my credit limit to only $100 even though I paid off full balance once I finally had funds to do so. Not to mention their late fee is $40 which is the same as monthly payment due. Thank you for understanding your loyal customer NOT! Regardless I closed my account. See you never!


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I opened a credit card with Academy in July 2020, had a credit limit of $850 and made a purchase of about $150. Made my minimum payment every month, was late once and paid the fee. Made another purchase after a few months, continued to make minimum payment on time every month. August 2021, they tell me they're lowering my credit limit to $100 due to "previous negative experience with Comenity." I don't have any other Comenity accounts, and my credit report shows I made all my payments on time. I had recently opened up a new credit card to pay for some emergency vet bills, but my credit score was still pretty good and all of my accounts were in good standing. 


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My name is Lora **. I was preapproved online on 9/16/21 for an IKEA Projekt Card for a complete kitchen remodel. Unfortunately, the door style we chose has a finite date for availability due to being discontinued on 10/1/21, so I called Comenity Capital Bank the next day to see if there was anything that I could find out on how long the final approval would take but was told that it could take 3-4 weeks from application date. I asked if they needed anything else but was told that they had everything they needed.


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After paying off my bill in full with a loan I never pulled up account again. Only to receive a past due notice email stating my account was two months overdue. I screamed WHAT, WHY only to be told it was finance charges. I was NEVER late over years with an account with them and now they have ruined my great credit, 100 percent paid on time, for the next seven years. I’m 74 and have never had late payments. I suggest no one get an account with them. I mean never!


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I’ve always paid my credit card on the due date and was wondering what was taking so long for my account to be paid in full. The last payment I paid it all, not just a payment just to find out the bank was taking my payments as late fees because they said I did not pay before Their 5pm cut off time on my due date!!! But my payments were made on the due date just not on their time!


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I tried to take advantage of the Comenity $100.00 cashback July 2021 open a Master Card offer. A credit check was completed several weeks later with "Excellent" reported. After weeks passed and several lengthy, frustrating (and documented) follow up calls I was assured "offer will be honored". No card was ever issued and no rejection letter was ever received. No $100.00 cashback on the Horizon. I tried to follow up again today (9/17/21) and can only get a busy tone @ Comenity. Other than efforts to follow up on this offer I would stay clear of doing business with this type of bank. Ref customer service calls 7/26/21 ID ** & 8/2/21 @1:32 EST Norma.


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Made a mistake and applied for this Visa card at Sportsman's Warehouse with the promise of a few bucks off my first purchase. Received statement and paid in full. Got a new statement this month showing full payment, but billing me for $2.17 interest. Upon scrutiny of statement, I discovered that I have accrued $29.00 in "fees" and $5.42 interest to date in 2021. How can this be when I have paid my first (and only) statement in full and promptly? There is something crooked about this (Comenity) bank Visa. Called customer service, and after a lengthy conversation, most of which I was on hold, got no satisfactory explanation. I am cutting up my card and returning with a payment of $2.17 and cancelling my account. Do NOT make the mistake of dealing with this company.


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Paid a couple hours late. Was reported on my credit report. Dropped my score 50 points. Called to ask nicely to have it updated was transferred and hung up on. Called back was transferred again. Only machine help, no humans. Worst customer service experience I have ever had from a credit card company.


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Anyone else trying to log into Comenity and cannot? For days I have been trying to log into Comenity to pay my Overstock bill. It is impossible...Try it. They want you to sign up for something called "Easy Pay" which is my choice and I do not want to. They even say, "Try It!" I do not want to try it. One of the requirements is that you have to relist your Social Security number. I don't want to do that. I just want to log in and pay my bill. There is no help. no chat, no nothing. There are however, a load of complaints against them at the BBB. So, you are forced to do something you do not want to do and they will not let you log in. Meanwhile, they are laughing their behinds off somewhere in the Cayman Islands. Avoid at all costs.


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My wife got an Academy Sports Credit Card managed by Comenity Bank of Columbus Ohio. She made an $80 purchase at Academy in November. We failed to make payment when it was due in January, for some reason which I don't remember. In February, I realized our mistake and paid the statement in full on 2.9.21. I have a canceled check proving it was paid on that date. On 2.18.21 they added more late fees and interest, which made us have a continuing balance. Ever since then I have been trying to get the late fees and interest removed. I appealed through their dispute process and was denied. I called them and have appealed again, waiting to see what their answer is. Do Not Sign Up for their card!


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I opened a CD account on Direct.Comenity.com for $1500.00 on 08/22/2021, made a mistake about my funds, and tried to temporarily reverse the amount back to my bank on 09/01/2021 (10 days later). The first woman I talked to said there would be a $5.23 penalty, but I got cut off. The second woman said the first woman was wrong, and the penalty would be $900.00. I said it was outrageous, and all I got was condescension and a sales pitch.


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I returned an order to an Ann Taylor LOFT store and was charged a $8.95 shipping fee on my LOFT card managed by Comenity Bank. I didn’t discover this charge was there until 3 months later. Not once did I receive a bill or an email letting me know. By then I was slapped with late payment fees and interest charges all because of $8.95. You don’t go into a store to make a return and expect to be charged again. After months of thinking it was resolved, my credit report revealed Comenity won’t change the 30 days late payment on my credit report. This is after LOFT realized I shouldn’t have been charged and even refunded me for the late payments and the shipping charge. Mind you before this my credit was almost perfect and took a nose dive because of this. I pride myself in making all payments on time and I’m ashamed to have an account with this deceitful bank.


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Paid off my bill and now being slapped with 200 dollars in late fees because they decided to charge 50 in interest. They seriously need to take the late fees off as I paid them nearly 3 grand and now they are killing my credit. Been in contact with them several times and they refuse to lift the late fees which is insanity. They decided to send notice 3 months after the fact because I thought I was done with them.


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This business "practice" (loan sharking?) can't be legal, can it? Has anyone else found a solution to dealing with Comenity? Comenity has severely damaged my credit (and I basically used the furniture store's credit because they said it would help improve my credit after a divorce, etc.) I charged furniture close to three years ago, and I owe more now than I originally charged! I've tried to work out options with them, and did the Covid relief break they offered last year but it's worse than ever now. I am in a position where I cannot pay it off and can't even make the minimum payment they want now - due to having unexpected moving expenses (COVID-related as well) I've paid more (probably twice as much) than the cost of the furniture already...


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The Comenity website is awful and cannot process my username and password repeatedly even after reset. Of course, got charged numerous late charges because I don't have the time to call in every payment and I missed a few by a day or two. THEY WILL NOT REVERSE THESE $40 CHARGES. During a pandemic, even after several phone calls for help getting into the website, AND asking for my due date to be changed (a 20 min conversation) and the due date remained the same.


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More cheating garbage, BJ's asked me to have this card, which I never got and never activated, a year later they charged me with BJ's membership and a late fee of $128 for a card that was never activated and never arrived. When I called they told me that if I did not pay they would pass the bill to bill collectors and report my bad credit, at this moment I have it at 775, I paid to avoid having to have a problem, cheating mafia, and BJ's lost 8 clients.


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My wife got a Sephora credit card that was charged a late fee, because she scheduled a payment on the due date, but because it was after 6pm ET. Then she was charged a "finance fee" for getting a late fee. And then she also got a "minimum interest" charge. When she tried paying the balance, she scheduled a payment with the "schedule tomorrow" option, this time to be on time, but their system is in a different time zone, and the "tomorrow" was actually a day after, which again let us to a late fee.


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I opened my Children's Place Credit Card in May 2021, paid off my balance online in June 3 days before the due date. The bank was unable to verify my bank account so they returned my payment and of course charged me a late fee. Once disputed and phone payment was made, all charges were removed but then my account privileges were restricted and would be considered for review in September. You have got to be kidding me, as if I am some kind of child in trouble for poor behaviour!! SMH. How ridiculous and petty is this?? At that very moment is when I remembered why I closed this credit card many years ago! I have excellent credit and I refuse to give this bank my time of day ever again. Taking my business elsewhere! Huge Loss for Comenity Bank!


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This is a rip off crooked bank. Restricted my account without any explanation blocking access to my funds. They use their depositors as short term financing. They are thieves. Avoid like the plague and disease.


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Initially, I applied for a Wayfair store credit card before Comenity replaced the product. Wayfair closed out their store credit cards temporarily due to the pandemic. I thought my "replacement card" was useful at the time because I needed to invest in new furniture, moving expenses, etc. Every 2nd of the month, I pay my credit card bill on time, but according to my most recent statement, I've been charged high interest fees. I have not used the card since November and I still have an available balance of $2,332. I have a Sephora Visa with them as well, but my biggest issue with Comenity is the level of distrust between cardholders and account specialists. They are not as transparent with the cardholders and they always refer me to the secure message center. Once my balance is transferred onto my newest credit card, I am closing my account.


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BEWARE: Comenity Bank handles many business accounts for department stores. I opened a Bealls Outlet account in which Comenity Bank serves as their credit services. They will charge interest and late fees for nothing. Even if you close the account the interest accrues, but they will not credit the interest. Example: I have excellent credit and always make my payments on time. They charged me $2.00 for a late fee which was supposedly after I paid the balance. They assessed an additional $4.00 since they did not receive the $2 check I mailed. While this is only $6, ripping off thousands of customers means they are collecting thousands of dollars.


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The bank offered a great rate, but I was not aware when I deposited my money that there was a limit of $10000 a day on withdrawals and six per month. I made the mistake of putting my money for a down payment in the account and getting it out was a big hassle. I contacted the bank and they didn't even seem to have a clear record of how many withdrawals I had made. Will not use them again.


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This bank has terrible services and keeps charging me everyday. One day late charge fee is 38$. Normal we have 36 months pay for, we only pay the 13 months but we finished. Next time don’t trust this bank. It will keep charging you everyday.


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My bank automatically sent their payment 2 weeks in advance of the due date. Comenity did not process it so I got a penalty. I then changed my payment send day with my bank to 3 weeks before the payment was due. I watched my account everyday until the day before it was due. I then paid the bill directly through their website and then cancelled the electronic payment that I made 3 weeks earlier since it had still not been processed. Comenity Bank charged me a $25 cancellation fee. If you don't pay directly through their site, their processing of external payments is ridiculously awful!


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I opened a Sephora Credit Card which is from Comenity. I pay my balance on time every month, always in full. However, last April 2021, I noticed that my statement has an interest charge on previous purchases so I spoke with customer service and none of them can explain it. I keep asking them what is the interest for and why do I have this interest when I pay my entire balance in full every month. After more than 30 minutes on the phone, no one can explain to me what purchases are those so the supervisor ended up removing those charges on my account. However, come May 2021 statement, there are interest charges again to which I again called them and ask what is it for since I keep paying my entire balance every due date. No one can explain to me.


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I think is is important to start with I never wanted Comenity Mastercard. It used to be a Wayfair Card that morphed into something else that has been nothing but awful. I mailed a check to Comenity Mastercard on April 29th, 2021 to pay off a balance. On May 19th, 2021, I noticed that the check had not cleared. Fearing it had gotten lost in the mail, due to the large amount, I placed a stop payment on the check and paid the card balance in full online. At this point the card is at a zero balance & I think I am done with Comenity Mastercard.


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Received a $31.00 late fee because the store forgot to refund me for the .04 bag I gave them when returning a product. They took off the fee but had to give me a required lecture speech about how I need to pay my balances on time. There was no wiggle room for the fact that the charge was the store's fault and not my own AND the fact that I was closing out the account. The first CS I spoke with was horrible. She gave me a fake name and fake id# so she would not get in trouble for being the worst and she did not take off the fee either so I had to call back. Even their voice prompt doesn't allow for easy CS access. Overall a terrible experience.


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How do they Have 3 1/2 Stars when I see so many 1 star. And you should make it where we can put no Stars. Cause that is what they are worth. I won't do business with anyone that does BUSINESS with them.


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I came to Vacation Club (Comenity Capital Bank) from Wyndham Resort Purchase. The pitch was 6 months interest free if paid by 2 April 2021. On 12 March I obtained an official check from my credit union for the $6514 charge and put it in the mail. I waited a week and started follow up calls and nothing was found. On 29 March my Credit Union called as they had received a letter form Comenity that they couldn't find the account (which was on the check) and so any issue was clarified and sent back to Comenity. 


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I have several retailer cards through them and I'm getting the feeling that management of different accounts might have something to do with the retail company overseeing their work. I have had no issues with my Ulta card, however, my with Forever 21 card, there is always conveniently "technical issues" when trying to log in every month the day before my due date to pay my balance. I don't set up auto payments because I don't carry a balance. Since I have a newborn, it's difficult to remember to try again later, so then you end up with a late fee. This has happened 3 months in a row since I've been using the card this year....


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Like others, I’ve had 3 credit cards with CB over the last 3 years. Paid my bill on time and utilized my cards here and there but never to a point where I just went months not using my cards. It appears this company is only interested in you having their credit cards/promotional plans if they believe they can make money off you through late fees and interest.


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I’ve had 3 cards with this bank. They are known to lower your limit if you pay card off in one large lump sum. Not only do they lower your limit, but they closed my account for inactivity!! I have for years bought clothes for birthdays, Christmas and school year, and not once did they close my account due to inactivity when I had a balance, but once I paid off my total, now they want to say they closed my account due to inactivity. Never one late payment, never once went over limit!! I thought it was just a fluke the first time, but here I am 3 cards later, from different retailers, all closed. Mind you, I paid off my cards in February, my cards were used in December, we are now in April... closed. So not only did I have a hit to my credit (which I baby very much) when they lowered my limit, but then a huge hit when they closed. Please. If you care about your credit, this is not the bank for you. They only want you when they can collect interest and late fees from you.


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So I was shopping in what use to be one of my favorite stores in the mall NY$Co. I was asked if I wanted to apply for a store credit card and if approve I can get an additional percentage off my purchases. I was approved for a credit line of $500. Wow! This is great. A few weeks later I made a few other purchases nothing large so my total is about $200 all together (including first purchases). I receive the first bill and made payment. Second bill and made payment on time. About a month later after making payment I went shopping and now my bill is close to $300 and now we run into problems. I was late making the fifth month payment and I am alright with that and I eat the astronomical late fee penalty.


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I have an 18 month loan - I have made electronic payments on the 6th of every month - my payment due date is the 10th - was going fine - now, I have 3 payments remaining and will be paid in full 4 months early. Suddenly, they held my payment and didn't process it for 3 days - past the due date, so late fee attached - again, the next month I moved the payment to the 5th of the month - again, this time held for processing for 8 days so again, a late fee. They say their policy indicates their processing is not specified so don't count on the payment being done in time.


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I have had several promotional plans with them. My 21 year old son died and I missed paying a furniture company promotional plan off by 5 days. I asked them a consideration due to the circumstances and they told me, "NO it's a valid charge" and "Too bad". Also, the furniture was back ordered for 6 months and I was charged before I received the merchandise. I called the furniture store and they said I needed to call Comenity. When I called them they said that's how it worked sorry. So I made payments for 6 months on a product that I didn't have and wasn't even sure if I was ever going to receive. Then I'm grieving the loss of my son and they charge me a huge finance charge for 18 months of the original balance. Way to stick it to you when you're down. Horrible company.


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I have never been a fan of Comenity Bank. They are not a good lender and they are predators. I had a store card for many years with Comenity. Always paid on time, not one late payment. In August 2020 I paid off the $1800 balance and had a $0 balance. The store charged $19 to my credit card without me knowing – for some sort of “club” in November 2020. I did not receive an email from Comenity that my statement was ready (which I have in the past when it had a balance) and had no reason to even look at that card since I literally just paid it in full. In March 2021 I get call from an unidentified phone number on my work line (late at night). No message. I google the number to see it is Comenity. I then log into all my store credit card accounts to see why they might be calling me. Well by then they had reported me as 60 days late to all 3 credit bureaus and the $19 charge became $77. I disputed this with them and was ignored. 


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Disgraceful! These people are the absolute worst for shady incorrect interest charges. They're the worst for CS. I was farmed to this crap bank through both Amazon and Sephora without my knowledge. On both occasions I've noticed inaccurate billing via payment and purchase history. Completely unacceptable business culture. They couldn't care less. They also farmed my account for Mattress Firm which dumped their ** soon after as well as Wayfair. Get a grip and find a reliable reputable bank to farm my business to, but not before I agree, for God's sake, now I'm repulsed by all these businesses' bad decisions. You've been warned!


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Horrible customer service, broken promises, deceiving practices. They incorrectly placed a promo balance a year ago during the pandemic, not only they didn't fix the mistake, they refused to allocate payments to try to bring the balance down. I'm loyal to IKEA but will never use COMENITY ever again. Their practices have no consideration for consumer rights, they just want to charge 21.99% on an incorrect sale. Beware!


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Although I had accumulated rewards and never missed a payment, my account was cancelled with no advance notice, and no notice at all in fact, because of «inactivity». They notified credit agencies, but not me!! Wow. Worst experience with a credit card company.


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I would not recommend opening up a credit card that uses this company. A few months ago, I paid a bill, in full, the day before it was due. I received a confirmation for the payment. 3 months later, I just received another bill with a return payment fee and interest. Apparently my initial payment did not go through because I had entered my debit card number (which I've used before) and not my account number. They said the system no longer accepts that. Why then, was my payment accepted and I received a confirmation email?


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I’ve had a Kay Jewelers card for three years with no problems. Once they partnered with Comenity Bank it was downhill from there. I’ve purchased a $800 watch and never missed a payment. Since COVID happened last year I placed my account on automatic payments. Comenity would take your money or cancel your automatic payments then charge you a $40 or sometimes $35 late fee. Since March 2020 they did that and I’m noticing over $200 in late fee charges. I absolutely hate this company. They are making my life stressful and it shouldn’t be. I’ve not passed the $800 (the cost of the watch) with their late fees and interest charges of $14. Not to mention I had a credit limit of $1500, then out of the blue is $631? Nothing makes sense. I just want to close this account 'cause it doesn’t seem worth it.


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Very disappointed with their customer service representative. Her name was Tina and she was extremely rude and unhelpful for me. Wasn’t able to provide any information for me when I called to ask basic questions about my Ikea Projekt card. Again she was very rude and unprofessional. Was raising her voice on me as well which is ridiculous. After this experience I’m no longer interested to be a customer with this company anymore. Thanks to Tina!


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Was billed before I ever got the card or a bill in the mail. Was charged ~$30 late fee. Took two attempts and two weeks to get someone to actually reverse the charges like they said they would. Did not remove it from the billing cycle so it flagged my account as late the following month. I did not use the card that month so it was a zero balance. They "paused" the card because we were a day late paying zero on our zero balance. That left us at the grocery counter not being able to use our back up card. Their solution was to cut me off on the phone and tell me to be quiet while they read the transcripts of all our correspondence,, and them to smugly ask what the problem was and if I wanted to set up a payment for the following month to unfreeze the card... really???


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I should've never accepted this card. When I opened the BJ's Comenity account I had a high credit limit, I've been using it and paying regularly, my credit score is even higher and they sent me a letter saying that they reduced my credit limit to the total amount of what I owed, according to the letter the reason was for bad credit (763), how come none of the other credit cards didn't do the same including another Comenity Credit Card that I owned? I called customer service and they said they can't do anything about that. Now I'm stuck with a useless credit card.


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I have made several purchases from Wayfair in the past. I had a credit card open with them and have always paid on time. During the pandemic I lost my job. One of my payments was declined because I was in the process of receiving a new card after my bank noticed suspicious activity on my original bank card. I was charged a fee of $29. After I explained that I was unable to pay that and it was out of my control they said there was nothing they could do. While I was waiting for a response from them I ended up sending my payment later on in the evening on the day the payment was due. I was then charged a $31 late fee because it was paid a few hours late.


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My encounter with the Comenity bank confirms other people's posts. I was charged interest because I missed the payment. My January statement has arrived after the due date. After my February statement, which included the missed payment fee and interest. I called the bank and asked to waive the interest as the statement arrived three weeks late. The bank never considered my request. As a result, I paid off the entire balance and closed down my account.


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Do NOT sign up for any credit cards that are through Comenity (Victoria's Secret, Kay Jewelers, etc). They will purposely not send statements and then charge you three times what you owe in interest. They are liars, manipulators and cheats. When you have people with perfect credit, who own houses and rental properties who only have an issue with one place (Comenity) you know where the problem lies.


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First, let me say, the actual retailer I order my items from is great but the company they use for Opening a credit line (Credit Card), Comenity, I absolutely despise. I opened my account in Dec. I received my Bill Dec. 28, 2020. The due date was 11 Jan. 2021. I mail the full amount to them on Jan 5, 2021. Today (Jan 25, 2025), I received a new statement, stating I owed them $ 32.13 ($ 29.00 late fee and then another $ 3.13 in interest). I immediately called them and they informed me that the check didn't post to my account until the 12th of Jan, and since it was due on the 11th, it was late (they got their money the day they posted it to my account per my bank statements). 


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I've had a Comenity retail credit card for many years. I've used it and paid it off throughout the years, w/o any issue. In that past 12 months, with the pandemic, I've not had a need to purchase items from the related clothing retail store. I received a message from them stating, if I don't use the card, they're going to close the account. I reached out to ask why they would threaten an account in good standing if they don't purchase something (that at this time is not needed) and their response was, "We haven't closed your account, but if you don't purchase something, we will." Closing people accounts, regardless of use, has an impact on that person's credit score. I want to make sure others are aware of this bank's behavior. I would NOT recommend a card with this bank, unless you're ok with being bullied to purchase unnecessary items.


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Complete scam! I just opened this card and they are claiming my first payment was returned by my bank, completely untrue which my bank confirmed! Charged me nearly $200 in fees and reported me to 4 credit bureaus within 8 days of the payment I made without even notifying of this completely untrue problem or trying to resolve it. They have refused to try to resolve the issue. I have now reported them to the 6 agencies that regulate Comenity Capital Bank but in the meantime they have ruined my credit for absolutely no reason, lied to me repeatedly, and still have yet to even mail me a statement or resolve the issue.


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Comenity is useless by every imaginable way as a credit card company. I was a Pier One store card user as it was beneficial for the purchases in store. When Pier One closed My store card closed not too much later. I ran across the opportunity to join with Comenity which serviced the Pier One account that was recently closed. My problems started when they put my account on hold for 90 day because I incorrectly left off one digit when entering my checking account to pay my bill.  I did catch my own mistake prior to the due date and my payment was made and the account information was now all set for the future. Again, my account was never late.  


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From the beginning, this bank made it difficult to access my account information. No card was sent home, so registering for online access was a pain. Then they stopped offering the Wayfair card, so the account could no longer be accessed from the wayfair site. Trying to talk to a customer service representative was an exercise in frustration, with huge wait times. Then to top it off, they charged me a late fee for a bill paid ON TIME, but after 6pm on the due date. I've dealt with many credit cards over my lifetime and have never had a bank that cared when it was paid. I emailed them and they said they would not remove the late fee, despite the fact it was paid only 45 minutes after the time it said on the website. Mind you, there were NO mention of times on the bill they sent to my house. I paid off my account and will never again accept a card issued by this shady bank that takes advantage of people.


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I have had a Comenity card for years. I used to have a due date of the 3rd of every month but I thought my payment was due on the 5th, which is the same day another card is due. I called them and got the payment rescheduled for the 5th once I figured out what was going on. I have always paid on time and above what the minimum balance is and I've always been able to pay off my balances quickly.


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They charge interest from the beginning. No matter the promotion of 10 months without interest. I called and they said it was my fault. Do not apply for this if you don't want to end up paying triple for the items you're buying.


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This “bank” should be investigated. Just look at all the bad reviews. They opened a card fraudulently with my information, never checked for employment history or even address history. The cardholder then racked up over $11 K in purchases in my name. That was in 2018. I didn’t find out until late 2020 when I tried to get a legitimate credit card and was denied! Now I cannot get credit and I am the one who must prove that fraud was committed. This has been a nightmare at a time when I really need credit to survive.


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I tried for 9 months to straighten out my account. They are horrible! I kept setting up auto pay with someone from Comenity walking me through it twice. They took my off auto pay and started charging me $39 a month late fee and a finance change of $17+ every month! They refused to let me hear the recordings of the previous phone calls which would verify my enrollment. I will NEVER work with Toyota or Comenity again and you should not either!


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I used their BJs credit card for quite some time. Recently I got a new card and when I tried to activate it through their automatic phone system, it would not activate as my SSN did not match with its records. At any point in time, I did not request any change in SSN number. When I spoke with the Customer care, the Rep confirmed that my SSN number was different in the record. I asked her how could my SSN number get changed by itself. She said she will try to fix it on the phone but could not override it. She reached out to her superiors and then got back to me and said I need to send documents and photo copies to them through mail to confirm my SSN and identity.


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I have a retail card through this company and was notified of an alert via the credit bureaus that my score significantly decreased as a resulted of this company reporting that my credit card usage increased by 97% which only occurred because this company lowered my credit amount significantly without prior notice. I would avoid this company at all costs.


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Made the mistake of taking a Forever 21 card for the 20% discount. My initial purchase was $90, I have paid that off and since paid $80 in late fees. Not worth the 20% discount. If your payment is missed by one day of the billing cycle they tack on $40 late fee, even if your balance is like $5.


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I had a Boot Barn credit card, initially the limit was 2000. I was never late and always paid more than minimum. 1st they dropped my limit to 1500, I had balance of 1700 so I was over limit. Then I paid lump sum dropping my balance to 800. They dropped my limit again. The reason they gave was I had too much balance on my other cards. Because of them my credit scores all dropped.


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I applied for this credit card back in April on the Wayfair website. Made payments on time, each month. Then in September they announced that they closed my account, because Wayfair doesn’t work with them anymore. Good for Wayfair! Then in September I had financial difficulties because of this stupid pandemic time, and instead of making payment on 10th and made payment on 15th but I paid off my balance completely, it was $ 0. When they sent me a bill for $33 late fee, I called them. I asked to remove that fee, because I made my previous payments on time, and I paid off my balance. I asked them why you charge fees on the account that currently has 0 and it’s closed??! And I simply wasn’t able to pay it on time I had financial difficulties. 


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I paid this account off months ago. In the summer they reduced my amount due to my credit even though I always paid on time and paid extra. They did this due to my credit but I had no idea they constantly pull your credit. Now they closed it due to inactivity and lack of real estate on my credit report. This really is none of their business. You don’t need to own a home to maintain a $200 credit card with a clothing store! This will not help you build your credit in any way and the clothes are not worth the money. Get a standard credit card to build credit.


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I wish I had never applied for this card. Rude folks, very unkind and I feel like they stole from me. I know that I should have read the fine print, but was offered the card at register to save 15%. Well I've been charged more than that for nothing, so I wouldn't bother with them.


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AVOID THIS CREDITOR AT ALL COSTS... It will cost you big in the end! During these unprecedented times (COVID) my husband has been unemployed since March. I have maintained a consistent and on time payment history, zero late payments and always exceeded the minimum amount due. I mistakenly marked the promotional period as expiring on November 22 on my calendar, however, it was October 22, completely my error. I called Comenity to see if I could get a portion of the $1471.89 finance charge waived and I would pay the account in full. I was told, and I quote "your mistake doesn't warrant our loss of fees in which we are entitled to and you agreed to 18 months ago." 


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I would give a zero rating if it was available, bad customer services, terrible company, my highly recommendation don't open credit card with this company, this worst company that I never see in my whole life. I was hit with the TOTAL interest ($1187.87) for the year. I closed this credit card and will never and ever open again.


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I got this card with a promise of savings and points from BJs Club where I shop frequently. I created an account on the website and entered my bank information and account number. I seriously doubt I entered the wrong acct. number because it has to be typed in twice. Typically, I'm able to cut and paste my account number on similar sites, but no, this one required it to be typed. They claimed that the payment transaction did not go through and charged me $29. The payment was not late, it didn't go through, yet it took weeks to reflect that. They also shut down the card.


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I was skeptical to use this bank for my purchase, but went ahead with it because of a promise of zero interest for one year. Since on-time payments were required to get the zero interest plan, I paid eight months of payments in the first two months. On the third month a payment was received by Comenity the day after the monthly due date. I wasn't concerned about this fact since I was already nearly a year ahead on payments. Then I find they charged me for a late payment. They charge $39 for a late payment, that's more than the payment itself. 


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I will NEVER do business with Comenity Bank (Lane Bryant). I had an account with them and the bank (closed it) and I don’t know why up until this day. I started off with $300 and I had a few late payments. I ended up paying it off. I did use it again and at this point, my cc was in great standings. One day I got a statement where it showed my credit limit was changed to $100?? I never received a notice or anything of that sort telling ju me the changes and then shortly after that they closed my account completely. I just want it off my credit history and they will not budge!!! Worst bank ever!


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If you are thinking it’s a good idea to buy now and pay later with Wayfair. Don’t do it! This Comenity bank is a major scam artist. They don’t have any way to manage account by scheduling payments. There is no way to pay more than 30 days in advance. They do this on purpose so they will accrue late fees against you. Now they won’t close my account, accept a lesser amount and keep tacking on late fees and racking up my bill. Ludicrous!


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Let me start by saying my credit score is around 775. But---despite already giving my SSN in an application for credit and now having a hard inquiry on my credit report---Comenity refuses to complete my application if I do not make a photo copy of my Social Security *card* and mail it to them at a P.O. Box in Ohio. I called Comenity to see if there were any reasonable alternatives to complete my application. They were firm---there are 0 alternatives. So, mail a copy of my Social Security card, or expect to be denied credit, even with a 775 credit score.


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I thought I had done my fair share of reading before submitting an application but turns out I did not. This bank is HORRIBLE. I tried to open a HYSA and they scammed me into opening 2 accounts. After realizing what had happened, they told me that I had opened 2 accounts (even though I simply followed the link in the email they sent me) and that my funds could be held by them for up to 10 days. They told me that I would have to wait to close my account and I got different information from the person I spoke to on the phone and the women I was messaging from customer service. An absolute mess and honestly feels like such a scheme.


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I have been working hard on my credit for the past 2 years after a bankruptcy due to job loss and serious illness. Recently my score went up significantly. I didn’t know when Comenity took over Wayfair they would close the Wayfair card without giving me opportunity to pay in full. They just transferred my balance to their MasterCard. I’m still waiting on a large refund to show up from over a month ago also. So now my credit score has dropped 18 pts, they have my balance $75 higher than it should be, and I have a card I don’t want. It is my understanding that closing it will hurt my score, yet if I don’t use it and they close it that will hurt my score also. Where can I report them for not allowing me the opportunity to pay off my Wayfair balance and close that account myself? Thank you.


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If there was a way to give them less than stars I would. I called and I made the payment on the phone. I asked for the total balance on the account. I paid the total balance. I was a day late and paying it so at the end of the billing cycle they added a late fee. Why when I called and asked for my total balance did they not add that late fee and and tell me or just add the late fee in? Why do they bill out for a separate late fee after I paid off my balance? I asked for my total balance to bring my account to $0. So they ended up charging me a late fee then finance charge for the late fee and then another late fee. Of course I wasn't looking at my mail. I'm working all the time and in my head I called and I paid off my account in total so why would I think that I owe this company any money. 


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Comenity Bank has been harassing me with phone calls and emails about a balance on my already closed Wayfair Card account. Wayfair Store more than a month ago refunded me the amount of an order that was never delivered. They did that promptly. HOWEVER, Comenity Bank refuses to reflect that refund in the credit card issued by them. I have provided 2 documents proving that I don't owe that money and that on the contrary, Comenity Bank owes ME a refund. I do not owe any late fees already. There has to be some intentional practice to just simply pick up the phone and connect with Wayfair to clarify the issue, the very same way they charge you without delay, they should refund you as soon as the Store or business involved issues the credit or refund. I do not recommend any credit issued by Comenity Bank. I have others and I can wait to pay them off to close them.


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Comenity has an easy to navigate website. Their multiple ways to make payment via phone or website allows for ease of payments. Comenity's high interest rate inspires for quick payoff of any remaining balances.


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I had the misfortune of having my credit card account acquired by Comenity. Certainly, nobody in their right mind should never voluntarily open an account with them. Problems with them range from the irritating to what I would consider fraudulent business practices on their part. One only need look at other reviews to see the host of complaints. On the irritating side, they don't even have an app, so you have to log on to a webpage every time you want to do anything. What a waste of time and inconvenience!  


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I do not recommend credit cards with Comenity bank. If you have too many inquires on your credit report they closed your accounts. Even if you don’t owe a penny they closed your accounts with no further notice.


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The worst credit card And customer service I have ever experienced. Don’t purchase your diamond thru this credit card. You will end up paying double! Customer service will not help you either with something you aren’t told when you sign up to this credit card that the interest accumulate if you don’t pay the whole balance by due date.


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This is one of THE worst banks you could ever deal with. They are underhanded and unprofessional. My card was issued with a modest limit. In the first month, I paid SIX payments before the FIRST payment was ever done. You would think they would reward you, instead, they pulled my card and canceled it. You'd be much better applying for a Capital One card. They obviously know the worth of a valued cardholder. Comenity has no clue!! STAY AWAY!!


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I will keep this in perspective. While you’re rebuilding credit, it’s a wonderful thing to get approved for these cards, however, you need diversity because the moment you stop using these cards and being enslaved to debt, they will close your accounts without notice. Your credit score can tank, if you’re not watching your utilization and what you have strived to rebuild will now be a setback. They closed 5 accounts on me and stated it was for lack of activity. Thankfully my utilization was below 10% so when they closed the accounts, my utilization jumped to 16% which was still good, but it wasn’t what I was striving for. Their response to all of it was basically ‘you can reapply’. If I could give them zero stars, I would!


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Comenity made an error when coding one of my payments which resulted in it looking like a missed payment, which was then quickly sent to collections that then dropped my credit score 70 points.... Now I have to figure out how to navigate getting this off my credit score, even though they updated it on their end.... Super unhelpful! Their new freaking error and they won’t even help resolve. Don’t bank with them.... If you need to buy something, try Affirm.... Way better, way less risk in comparison to this greedy, idiotic bank.


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I have two credit cards that use Comenity processing services. With both cards, I have received late payment fee notices for payments that have been mailed 10-15 days in advance of the due dates. Other payments mailed at the same time in the same mailbox have been received and posted by those companies in plenty of time. Either Comenity has a very slow payment processing system or they are deliberately delaying posting payments to earn fees. They are doing a disservice to the client retailers (Cabela's and Talbot's in my case).


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Comenity bank is the worst credit grantor in America!!!! I had a GRANDIN ROAD Comenity Bank card ON which I NEVER HAD A LATE PAYMENT... EVER!!! They canceled my card. I never had a late payment ON ANY CARD, EVER!!!! They unfairly canceled my card and lowered my FICO Score too by lowering my available credit by $4000. I have decided to cancel all Comenity Cards and will not be shopping at any retailers that feature Comenity including WAYFAIR, SEPHORA, BALLARDS AND FRONTGATE.


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I Called to pay from my bank debit card and the customer service guy stole $25.00 from my card to pay his Skype bill. My bank repaid me back and they are investigating the matter. Bunch of thieves at Comenity bank.


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I have actively used one of their retailer rewards credit cards for over a year. I've never been late on a payment. I have a very good credit rating and low revolving debt ratio. Due to the fact I applied for credit on another one of Comenity's retail cards, they ran new credit check on me. Since I have 2 or more credit checks in the past year, they AUTOMATICALLY closed my existing account that is in good standing, with no consideration of my account history. When I called and spoke to someone, I was told something to the effect 'these are the rules...we encourage you to reapply'. Now, I have "Issuer Closed..." on my credit history and my debt ratio will bring my credit score down. As a result, this retailer (my favorite retailer) is losing my business and my credit repair efforts using this account are no longer to my advantage.


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In March I purchased item from Pier 1. Was going to return item but covid happened, so keeping it.. Attempted to pay online, but had so many issues that I called payment in. I was charged $45 late fee by this time. I freaked because I have excellent credit score. They did dropped $15. Gave me an estimate of total and I paid it all but $15 and some change. I called in payment next month and paid card off. 


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Terrible company when come to customer relationship and customer services. I made a purchase through Wayfair using their credit card which was powered by Comenity Bank. I had a promotion rate for a year from Wayfair and Comenity Bank stated it was 6 months. I called several times to have the 6 months changed to 1 year. They refused even after filing a complaint with BBB. I was still charged over $100 for $724. They ever used them. They are terrible, unreasonable and inconsiderate.


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This company and its affiliates are nothing short of disgusting, if ever there was a company that should be investigated for blatantly taking advantage of the vulnerable, this is it! I paid my account on time every time and because the due date and "promotional date' were different (no doubt by design) I was hit with the total interest ($749) for the year. They also do not let you schedule more than one payment at a time, literally every tier of their system is set up to make the consumer fail, as soon as that happens they destroy your credit and happily put you further & further into debt. Not once did they call, msg or email to say my promo date was expiring, yet as soon as I didn't pay the silly $15 minimum balance they have inundated me with up to 27 calls a day!


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I found my experience with Comenity Trek Credit Card to be pretty bad. I am currently trying to dispute a finance charge from a promotional deal that expired but it was not clear to me at all. Trying to get on the phone with someone is a hassle. At one point they did not return my message in over 10 days. They have mastered the art internally of avoiding people in hopes that you do not call back by making you start from scratch with automation each time you want to call. I will never use this card again.


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Considering of purchasing an Ulta Comenity Bank Mastercard – Please read the following and all the other reviews rating them 1 out of 5. 5 being the best rating. I obtained an ULTA Mastercard because I received a one-time discount on my purchase at Ulta Cosmetics. Every month E-mails from Comenity Bank Mastercard kept pushing me to "go paperless." I did not want to give them the tracking # on my checking account, so sent in a check for a the total of that month's charges (a very small amount) as soon as I received the statement in the mail. They charged a late fee because they did not get my check by the "due date." However, the statement from them was late getting to me. I sensed this company was not "legitimate," by my observation. 


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I woke up to my account being closed and no one informing me the reason why. I called and the rep said, "WE CAN CLOSE FOR ANY REASON LIKE YOU CAN." I said okay was there something I could have done? Is this some kind of assessment? The rep said Yes Comenity does risk assessments on accounts and if they dont like something on your credit report or if something was just added to your credit report they can cancel you at any time. I informed her why would they care what’s on my credit report AFTER they approved me? She says company policy. My score dropped 30 pts. I even had insurance on my card so when I couldn’t pay due to COVID 19 I was covered for 6 months. I was making small payments when I didn’t have to because insurance covered me for 6 months and they cancelled me while being insured with their CC!!!! WTH!!! Why offer pandemic assistance then cancel someone’s account which is covered by the Assurant insurance. 


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Been trying to resolve a charge on cc for over 5 months ... Over 20 hours on phone and over 20 communications secure email, email, phone calls, and actual letter providing all information. They are now trying to add interest and have posted a negative credit report... I need to get a lawyer involved to deal with all this heartache... Do not do business with this bank. They are horrid at customer relations .... Over and over I need to repeat what is going on. Over and over they say they will fix it then nothing... Be aware I would give a zero rating if it was available.


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Mariah, a supervisor, was condescending and unwilling to help with a late fee that was assessed because it was processed after 6pm. We will never shop at Kay again because of the level of terrible customer service. I tried 3 other individuals who were just as unhelpful.


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I'm am not going to go into why this company has been so bad, as I have wasted enough time dealing with them and still have to call again but needless to say, unless you want a lot of trouble and headaches you want to avoid them at all costs! Academy Sports is where I got the wonderful opportunity to deal with this ridiculous company!


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I recent received in the mail a letter saying my request for information on my account was granted. With the letter came all my statements for the last year (I did not request this information). I later got notified by various credit monitoring sites that my account was closed. After several attempts at contact I finally got someone on the phone. They told me my credit score was the reason for closing my account. Granted I just finished fighting breast cancer over the past year so my credit wasn’t stellar but my account was in good standing. Just paid off the balance in May and my limit was $800. Come to find out after the fact that NY&C is closing all of their brick and mortar stores. This is infuriating that they are trying to put the blame on me and my credit score when my other Comenity account with Victoria’s Secret is still open. I even used it the same day I called to be sure. They claimed they sent me a letter stating why it was closed which I still haven’t received (I did move recently so it could have gotten lost).


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I paid my entire balance by the statement cut off and they still charged me $2.20, hoping that I would think the account was paid in full and thinking I would miss the payment and they now charge $45.00 late fee on their accounts. I purchased my wedding rings at ZALES and Comedy (misspelled on purpose) Bank kept reducing my credit limit from $1200 to $150. They got me a few times by changing the due date then telling me I was the one to change it. That's how they make their money. Blindsiding customers. I wrote their board of directors to no avail.


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I just received an email from a credit monitoring company that my account for NY & Company was closed. I called Comenity and was told that because I hadn't used my card they closed it for inactivity. My payments were made on time always and my account in good standing and yet they felt the need to close it and not give me any prior notice that they were going to do it. I am seriously considering canceling any account I have with them because of this. Bad, bad practice on their part.


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I home shopping, so I monitor my credit closely. Much to my dismay, I received an alert my Wayfair account has been closed. It had 0 balance/always good. It has now negatively impacted my credit. Never again with that company. Disappointed, they lost a good customer and I will not recommend them.


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I have 4 Comenity credit cards. Talbots, Ann Taylor, Ulta and Victoria's Secret. For 4 years. PERFECT payment history. In the last few months I paid down chunks of debt on all 4 to raise my credit score. They LOWERED my credit limit on all 4 accounts by $500 EACH, thereby RAISING my debt to available credit and TRASHED my credit score. They CLAIM my credit score fell in June. It did NOT. It has done nothing but go up. I checked with Equifax which is who they use. I mailed in PROOF that their claims are false and got an auto letter back telling me to call customer service, who did nothing but give me the runaround and tell me NOTHING. I will NEVER charge another DIME on their cards. LIARS.


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Paid Comenity/AnnTaylor Mastercard bill by check for the amount of $52.77 and they took $5277.00 out of my checking account, I was notified by my bank that they had covered the check but now my account is overdrawn and the bank charges a $35 fee and an additional $5 for everyday that your overdrawn, I explained to my bank that the amount they took was wrong and it should have been fifty two dollars not five thousand two hundred and they told me I had to contact Comenity Bank, I called went through the automated system to find out that I have a $5224 credit on my card, then I speak with a customer service representative which in fact tells me that they had made a huge mistake and it was caught and they had credited my charge card, I explained to them I didn't need a credit. 


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I have an account that I've been unable to make payments on the last two months because my husband has been out of work due to Covid since March. I spent HOURS on the phone..waiting, being transferred repeatedly, disconnected, hung up on and having to state my situation over and over again countless times during a call lasting hours. I had a payment that was not authorized, taken from my $1 balance bank account after being told the payment would not be taken. I called to find out why and how they could do this to people right now and was informed there was no record of my several recorded calls. There must be federal guidelines to make this type of action illegal during this unprecedented period of difficulty for consumers. Taking money that was not authorized from an account with no balance. They shouldn't be able to sleep at night taking food off the table of so many struggling right now. Sad and inhumane treatment from this bank.


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I refuse to finance anything with a business that uses Comenity in the future. I have closed my Williams Sonoma, Victoria Secret, Pier One and JC Penney accounts and paid them in full. The latest is Pier One -- I missed their 8 p.m EST deadline by 5 minutes. They refuse to waive the finance or late charge as I did not have an "open account." The customer service representative -- after you had to go through a litany of options -- kept repeating her "script."


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In closing accounts for a family member, I had the displeasure of working with Comenity Capital Bank. I followed all of the proper protocols to close accounts immediately upon receiving death certificates, etc. Upon closing the Comenity account following their exact procedure, I received a letter addressed to the decedent at my home address (which I had put on file with them- showing that they had made the changes and had the death of this person on file and had even gone so far to put my address in place) that there had been fraud on the account and that if as the decedent didn't contact Comenity within 30 days, the account would be closed. Hmmm.... I called the number stated on the letter, and no one could look up the account.


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I opened this credit account to purchase a new bicycle during Covid-19. I was approved for 6000$ credit limit, paid more than the minimum, had the card for not even 2 months, and today I get a letter saying they are closing my account because of credit inquiries on my credit file? Why do you care what is going on with my credit file or my inquiries AFTER you opened my account??? How can you just close someone's account like this with no explanation, when the account is in good standing and being paid on time??? Shame on you for doing this during COVID, cancelling people's accounts like that. If you are thinking of getting this card, think again, not worth the trouble.


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I called Comenity Bank customer service regarding my Zales account. I ordered a customized Air Force ring for my retired husband last year for his birthday. In October my husband passed away. I continued to pay on the account and had a balance of $46.91 that I was going to pay off and close the account July 15th, not knowing that I had to pay it off on July 9th to avoid the 12 months accrued interest rate of $235.00. I noticed this today July 13,2020. When called a spoke to the account supervisor Ryan I did not receive any sympathy, I was told he would not waive this additional fee. My son stepped in and paid this ridiculous interest fee but I just have let everyone know how cruel and heartless they treat a veteran's widow.


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I started this savings account and made it a "joint" account with my wife. When I continue to call up they won't talk to me and say my wife is the only person they will speak to for any changes to the account because she is the "on-line" person. BS. This is a JOINT account savings and each of us should have the ability to do whatever. I WOULDN'T BANK HERE AGAIN IF MY LIFE DEPENDED ON IT.


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I am BEYOND frustrated with the customer service of this company. I recently paid over 2000$ to be able to close my account. The day it hit zero, I went online to make sure it was a 0.00$ balance. Called immediately to cancel, spoke to a gentleman and within a few minutes he said my account would be closed. Thought my problem was solved. WRONG. A few days later I get an email saying I have a 10$ balance. HOW? I again immediately call and speak to a woman this time who says it's "interest". Interest on what???? She can't help me close my account until that is paid. Well, I'm not paying that so I ask to speak to a supervisor. She puts me through to said supervisor who sees that I made a 2000$ payment so that I would get to a zero dollar balance. 


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My experience with Comenity is through an Iddeal Jewelry CC. I was given a balance that met the price of my wedding ring, with 0% int for 3 yrs. One month I scheduled the payment a day after the due date and received a late fee (which they nicely reversed). 2 months later scheduled a payment 9 days in advance to be pulled on the due date. At that same I just decided to cancel the scheduled payment and create an automatic payment, again 9 days in advance. Well the due date came and went, and about a week later I started seeing emails about my missed payment.


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I wrote to complain that they charged me a finance charge after I paid in full before the deadline. They wrote to say to call them. You can not get a live person on their phones. I wrote again to say that and then they told me I authorized them to close my account on 6/24 which I did not and they can not do anything about the finance charge. Funny thing is I placed a charge on 6/24 so that would be a lie.


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I had an Ulta card for 3 years. Never late ever! Always paid more than minimum. COVID 19 strikes. Suddenly they cut my credit line. That so impacts my credit rating! Then they do it on another card backed by them, Williams Sonoma. Same thing. MY credit score went from 697 to 588. They are awful!!


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Absolute horrible customer service. Add non negotiable fees to excellent paying customers with great credit scores. I switched banks after over 25 years. I thought I had updated all my accounts that I have set up to pay balances. Due to the fact that I do not use or carry a balance on my Express charge. I made a minimal charge. I authorized Comenity bank to pay balance. The charge bounced bank due to close account. I contacted them ASAP to give them my new account information. It was a oversight. They would not waive the return fee and added another late fee. They were rude and had absolutely no problems with losing a good customer. They would not negotiate whatsoever. My balance charge balance was paid but I was forced to pay their $64 fees. I closed my account and will Never deal with them again!


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A credit card is meant to provide funding for a limited time, but very few people think a the bank will STEAL from them. That's exactly what Comenity has done. The scam works like this: they take your payment check, and cash it, but they don't apply the credit to your balance. Instead, they claim you missed the payment, then they charge you a LATE FEE. When I spoke to customer service, along with a copy of the check they cashed, they told me that I should make another payment so that I do not get another late fee, while they investigate??? OK, so I paid off the total balance. It has been 4 months, and not only have they not investigated anything, they also have not contacted me, and supposedly there is no means of communication with the "department" that "investigates" this kind of thing. Apparently, they are swamped with investigations for stealing customers' money.


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I have been using Overstock Credit card for years. Comenity Bank services these credit cards. Their policies are very strict and unlike other popular banks they will make sure they collect the interest on your promotional balance if you missed the payment or made the last payment on a due date after the promotion date. So always make sure you do your due diligence. This Credit card is really like any other but if you do not understand how promotional interest works and credit card 101, then use cash. Here is a tip, if you have a 12 month promotion. Take the balance due and divide it by 11, then let's say you get a number such as 53, round it off to 60. So instead of making the minimum payment which is usually like $35, you will be making $60 payment and getting rid of the promotional balance way before it expires. It's your money, be diligent.


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I haven't ever had a single missed or late payment, and Comenity charged me a ridiculous (and sizeable) finance charge on a debt that has already been paid in full. I am definitely canceling my account. I urge you to never bank with them. They are thieves who don't care about the customer at all. I called and explained (patiently) that the reason my final (autodraft) payment occurred after the deadline was due to a glitch based on their own billing cycle. Even though they acknowledged my perfect payment history, Comenity didn't care. They only cared about charging that interest. They clearly just want to squeeze an extra $500 out of me before I close my account (which I assured them I definitely will). 


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Worst customer service I've ever experienced. Rude and only care about finding ways to slam customers. Have multiple cards thru Zales Bealls Victoria Secret but hopefully those companies switch as I will be canceling all these cards. Please be aware go elsewhere. I am not a non payer they hide fees and late charges on those paid in full to gain interest and hidden late fees. And agents beyond rude avoid at all costs


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I continue to experience problems accessing my account with Comenity bank, over a dozen times after trying to use my password, It always come up, wrong password! I have a total of 3 credit cards with comenity, this happens with every card. After several calls to their customer service regarding login issue, the problem has not been resolved. Ugh.


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I have had a Christopher & Banks credit card for several years and have always made payments on time, including now. I paid and Comenity Bank received a substantial payment from me as shown on their website. I currently owe what amounts to 1/3 of my credit limit. When I have tried to make a purchase online, it is declined and I am instructed to call them. I do not hear that well on the phone and prefer things in writing.


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Cashier at Century 21 push to open a credit card so I can save 10% equal to $10 and when I tried to pay on the phone they charge $9. Also I returned a sweater for $25 and they didn’t discount for my statement and charged me with late payment, interest fees, etc.


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Seriously, run away from these people, they take your money without asking, with fees even if you pay in a full. Terrible experience, late fees, interest fees also if you pay in full thousands, as I do and if you called them they would give you a 15 dollars reimbursement for the $30 late fee and $0.16 for the $59 financial fees. Yes 0.16¢ no $16, the problem is when I sign up for my BJ's credit card, the bank was Barclays, and then they change for these thieves.


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After keeping my account current, making payments on the balance over the minimum payment, I requested a credit increase. Instead, they decided to lower my limit TWICE over something that was settled over 6 months ago. I called the customer service number provided, only to be told that I needed to dispute the issue with the credit bureau, that they could and would not help me. Unfortunately, the bureau that they claim to report from doesn't even show the account on my report, so I can't even dispute anything. I'll take great measure to make sure I never have another account with them again. They have caused my score to drop twice from these decreases, and it bumped me out of getting the mortgage that I have been working hard to get for the last 5 years. It's sad how they treat the people that make their paycheck.


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Nightmare! Scam #1, We received notice our deferred payment loan was due in less than 90 days ONLY after we went online to make a payment, it was actually due in only 10 days! Thank God we paid the monthly payment a week before it was due or we would have been hit with 26.99% interest (surprise!) for 18 months if we had waited until the due date. BEWARE, trick #2, payment does not clear for 72 hours or more.


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So, I had an account with them since 2013 that was in really good standing and it was abruptly closed without my knowledge. And when I tried to reopen that account.. apparently I only had 1 week from when it was closed to try and reopen it. Yeah, that would’ve been nice to know cause I literally found out that it was closed from looking on Credit Karma just a couple days after the 1 week period. So, don’t do business with them. Go through a different bank and save yourself the trouble.


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Got a MySmileCare account issued by Comenity bank as a promotion for "no interest" financing by my dentist if paid in 12 months. Paid the remaining balance AS LISTED ON THE STATEMENT, but then get get a new bill with additional charges and fees! Statements are designed to be vague so you will miss proper payoff balances! BEWARE - don't fall for this deception. Better to pay with a legitimate credit card, not this fly-by-night two bit bank!!


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Per research, Comenity Bank was advertising savings interest rate of 1.6% APR. Transferred $100 to bank effective May 13, 2020 to open account in connection with the maturity of large CD at other bank. Sent a chat message online on 05/12/20 for information on setting up beneficiaries. Received response the same day from Danelle with instructions for download of pdf to add beneficiaries. Sent additional chat messages regarding pdf issues on May 13, 14, 17 and 19 with no response. Each time the chat window opens, three agents are listed that can respond to the Chat. Bank customer care automated phone service would hang up after indicating not able to take calls. Finally spoke with a customer care agent at 833-755-4354 on May 19 at 5:53am and was informed account could be closed after 10 business days. Closed account 05/27/2020. Savings interest rate dropped to 1.45% APR on 05/26/2020.


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Exorbitant charges over a period of 10 Months. I have charged a total of $34.31 from Aug, 2020 to now May 2020. I have paid a total of 333.22 in late payment charges, and interest during that time. In March of 2020 I paid what I was told was the balance of 165.69 and I asked to cancel the account. This payment was made on 3/12 for a due date of 3/10. They did not tell me about the $40.00 late fee. So the next month I was charged 40.00 + 3.59 interest. The next month 35.00 + 2.00 was added. This month 40.00 late fee + 2.00 interest. Since I had paid what I thought was the balance (165.69) on 3/12 and had asked at the time to cancel my account, I was unaware that they were still charging late fees thereafter. 


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Horrible customer service! We received a late fee for a payment that was paid in full one day late in the middle of the global coronavirus pandemic, at a time when many companies were going above and beyond to be flexible with payments. However, we received an email that said "Thank you for your timely payment," which I assumed meant they had the good grace to accept our payment one day late. Instead, they sent ANOTHER late fee the next month, and said we owed $64 in late fees for a statement that was paid in full. I spoke to multiple "customer service" agents and "supervisors," and no one was able to refund the late fee. Even when I said I'd cancel the credit card and never do business with them again, they refused to budge. Absolutely ridiculous.


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I have had many credit cards with this bank for many years. I pay online through each store card’s app. In the past year they have lowered and closed most of my accounts as I make payments and they make it extremely hard to make a payment as every time I try to access my account they say my password and user name is wrong. I must have reset each one about 15 times. Now they want me to include my account number which they never give me because I don’t receive a card and it’s not on my paper bill or my credit report. Hence they are wrecking my credit by not letting me make my payments, adding late fees, lowering my credit limits and closing my accounts. Don’t ever use this bank. As soon as I pay the few I have left off I will never apply with them again.


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Received a letter dated 5/11/20 that Comenity closed my account. If I have a problem with that here is a number for the credit reporting company. Tried to call Comenity with the number provided and all I got was a pre-recorded message telling me that I can apply again to get another card. I have contacted them thru the website listed on my statement and told the same thing. I didn't use my card in the past month/month and half. I have a 0 balance on my card (paid before the COVID-19 shutdown). Soooo, because we didn't run out of makeup or hair stuff while in isolation and didn't go online to order more stuff they closed my account? I did go online to Ulta looking to order some products but they were out of stock. Yet they have messages on their website that if you are having issues with payment they will help you out. Wow, just wow.


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After a year of on time and advanced payments I was hit with over $900 of added interest charges. Even after I paid that off fully they added another $38. Glad to get RID of them. I would avoid doing any business with them.


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I was approved for the ideal image promotional credit card. 0% interest if paid in full before the promotion ended. I made my last payment and the payment due date fell on the weekend. Because the payment was released on the weekday from my bank I was charged all the interest on my original purchase. They refused to do anything about it even though it was not in my control. I decided to pay it off in 4 separate payments (1 payment every week). I got a bill from them stating I owed them $16.12 in interest charges because the last payment was made after the due date. My payments were not late and I paid more than the minimum payment. I paid the $16.12, but requested my account be closed. I have 3 different credit cards that use Comenity. I am closing those 3 cards as well. I will stick with my Discover card, that gives me money back and doesn't charge interest on interest charges.


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You guys need to have a negative star rating option, because they don't deserve 1 star. Paid off my account IN FULL in February 2020. May 2020 I get a statement in the mail that I have been charged late fees for two months. I did not receive any statements in the mail after February. Even after I called customer service, told them I had the bank records and online payment snapshot of the account being paid IN FULL in February, they refused to reverse the charges. Rude and condescending. I paid the lousy $27.48 they said I owed and closed the account pronto, and requested an account closed letter, $0 balance letter and confirmation that the account was closed at my request. Last penny they will ever get from me.


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We paid off card balance in June 2019 and closed the account. 5 months later I received notice they had reported us to the credit bureau for later payments. The bank stated we owed "trailing" fees. I paid the fees of $90.76 and was told there would be no further charges and the account remains closed. Note I never received any addl bills in between. Today we receive a call from Comenity stating we owe $70.36. Again for "trailing" fees which started at $2.00 and continuing with late fees for non payment. I then spoke directly to the bank and they refuse to remove these charges. Why are we charged $2.00 fee on a closed account. They said there is nothing they can do. We again need to pay $70.36 and $2.00 fee on July 2 which they say will close the account. What? Again this is a closed account. How do you fight banks like this.


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I had an existing balance on my account with an associated 0% interest. Then I made a purchase on the card. A few days later I credited the account the full purchase amount, and later that month, I made my normal payment to prevent any charges. 2 months later I see that I'd been fined 2 interest fees. After being on the phone for 45 mins. They tell me that it's all "correct" and I should have waited to pay off the purchase amount. They were not interested in trying to correct the error, and only refunded me 1 of the interest payments. Very disappointing, when it is absolutely clear what the intention was.


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I have had an active account with Comenity for years. For the last year and a half, I have had a $0 balance. Last week, I received notification from my credit monitoring service that this account just closed. Why? I checked my email inbox, I even logged into my account. No information on why the account was closed. Technically the account isn't 'closed' it just has a $0 available credit. Thank you for your superior service (sarcasm) and goodbye.


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Had a $92 balance on my card that I paid via my bank in June 2019. The payment was never applied, so I called in July 2019 and the representative said he sees the payment was not posted and that he would take care of it. In August I get another bill with interest and late fees. I called Comenity again, says the original payment was never posted, but I could pay over the phone and he would remove the late fees and interest charges. Comenity reported to the credit bureaus and my credit went from #856 to #760. Called today and they have no record of my phone calls. So lesson learned, NEVER get a credit card from a store ever again!! Sticking to my Discover card for all purchases.


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Like so many others here in the past weeks, Comenity closed several accounts with no warning. Fully paid just not being used. Hit my credit rating. Problems are at their end not mine. Totally unprofessional.


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LOSS LEADER savings interest rates. SUCKER is what they've made me feel like twice. This time they lowered the savings interest rate from 1.70% to 1.55% less than 5 days after I opened an account! In addition, it's hard to get anyone on the phone there. I've learned my lesson this time and leaving them ASAP.


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13 years good standing, $0 balance. No warning, account closed 5/7... Today is 5/14... Nothing!!! Just walked out of running a code, short staffed, performing 2 jobs since I have 2 licenses, to an alert from Credit Karma... Comenity Bank closed my account and dropped my credit score. That good ole proverbial pat on the back. Daily battling fears and depressive situations, trying not to break under the stress... This sends you to the corner, on the floor, rocking in silence because you don't have the strength left to be angry or any emotion inside to cry. Thank you to Comenity Bank and your supervisors for informing me you have the power to close my account without reason and economic distress is not considered.


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DO NOT GET A COMENITY CREDIT CARD OF ANY KIND!!! I got a David's Bridal card 2 years ago and within weeks of paying my card off they closed my account. I got double hit. One for opening a card and one for the closing my account. I have HAD a Victoria Secrets credit card for the last 4 years. I have never been late and have actually had a $0 balance for the last 2 years. I just got a notification they closed my account without any reason. I have excellent credit and have been in good standing with all of my accounts and now my credit score has gone down 11 points because of them!!! Shame on them!!!


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Both my VS and Ann Taylor cards were closed without ANY notification whatsoever within a week of each other. Why? They had $0 balance and I certainly plan to use them again. Why would a bank close these without even a single email notification? Both of these closure negatively impacted my credit score. I am so mad! Even calling their customer service number was no use! They have an automated recording that simply says, "if you are calling because your account was closed, please apply again." ARE YOU KIDDING ME? I will NEVER apply again. This is ridiculous!


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During this Covid19 crisis. They are closing accounts with perfect standing just due to zero balance. They closed both my wife and my accounts with no notice. So this affects our credit score. Then the contact number basically says the account is closed. Feel free to apply again. This would affect our credit score again. Terrible at any time, but now in particular due to this financial crisis.


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Don't apply for any cards affiliated with Comenity Bank. I've been with them for months and paid off my accounts with good standing. Then I get an email that they closed my Sephora account for no activity use. Well if I don't need it, because I've had money to purchase cash don't mean they should close account for no use. That affects people credits. Well I called today and cancelled my credit cards with them effective today. It will probably affect my credit a little, but I know it'll be fixed again in 6 months. So I'm not worried about it and plus I'm glad I don't need those store credit cards anymore and don't ever need them again.


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I just realized I was charged again for late fees in my account where in fact I already paid in full last March 2020. Today, I received a text from them, "we keep missing you, call Comenity Capital Bank RE: C21 Status Credit Card ..." I did not even receive any notification not even an e-mail that I was being charged again! This is horrendous! The last same text I received from them was March 29, 2020. What is the month now? It's already May 10th! When I called today, the agent I spoke with is not even a great help! I complained about not receiving a notification and he said it must have gone to your SPAM! WOW FOR REAL! SPAM! Who checks their spam? We are talking about money here. This is their way of stealing your money!


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I have fallen under hard time with hours being cut during COVID-19 and made my monthly payment 6 days late, not even 10 days which is grace period. Comenity charged me $29.00 late fee. Comenity advertises when you sign onto your online account "If you need assistance during these turbulent time to contact us and we will help you." 


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I have had a Hot Topic store card issued by Comenity Bank for several years. No late fees ever, haven't had a balance in over a year. Received a notification from my credit monitoring service that this account was closed by Comenity. I immediately called them and was told it was closed due to inactivity. I asked if it could be reopened. I was told no because it had been over 15 days and they can only reopen accounts within this time period. I asked when it was closed because I didn't know until this morning. She stated April 24. Today is May 8. I said, "Ma'am that's 14 days". She said, "Sorry it's over 15 days". WHAT? I asked for a supervisor. Once connected she tells me that I would have had to have made a purchase by April 22, THEN called Comenity by the 24th of April to request the account stay open for the account to remain open. WHAT? 


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I got this card in December 2019. Made about 3-4 purchases since then. Never received the physical card, which was weird but Ulta said I just have to call and ask for it. Then I get noticed my card was canceled. Why?? I never missed a payment...never was late. Why cancel my card? I have great credit so not sure what happened. Seems like they are doing something to everyone during this pandemic. Now I’m pissed cause it dinged my credit for an account closing!!!


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Worst bank ever!!! Stay away from these credit cards given out by small businesses. This bank hides stuff in small print and will not work with you at all. I will never buy from Jared Galleria of Jewelry as long as they are using Comenity Bank. The bank divides your payment and tricks you with small print when the payoff is due. Read your statements carefully because this bank will not work with you at all. Even during a Pandemic and I'm not working!!! 2,549 complaints with the Better Business Bureau can't be wrong.


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I had a Sephora Card through Comenity. Like many others they closes my account after raising my credit limit and perfect payment history of paying my balance in full every month. They already have a low rating because this is happening to everyone. However, since so many stores use them, I contacted Sephora and let them know that while I love their store, I will no longer be shopping there. If they change who they partner with, I would happily come back. Until companies stop using them, Comenity will continue to screw over the unsuspecting customer. I hate them. I will never get another card with them again.


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Steer clear of this bank and their store-branded credit cards. I had a very high limit on one card I had with them. Without notice or warning, the card account was closed. I was not even notified by Comenity. It was Credit Karma who notified me of the closure. When I contacted them, they claimed that since I had only made a single purchase within the past 60 days and no purchases for about a year prior to that (I don't like carrying a balance if I don't have to), they closed my account. I have a perfect payment history and absolutely no blemishes on my credit. I would think that I would be the kind of customer they want to keep. I was told that if I still want an account I can apply for another one and, if approved, get a shiny new card and all the wonderful benefits. I think not. Never again Comenity. Thanks for the ding on my perfect credit report that now shows a single account "closed by the credit grantor". Again, this is not a bank you should be doing business with.


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I was shopping Overstock and had added things to my cart to order later. As I was closing out of the online window, a message popped up saying I was pre-approved for an Overstock credit card and to click through to provide quick, basic info to charge my (small) items on their card. I did so and 60 seconds later received a decline message. When I called the company to complain, they said their system is not functioning correctly. Well ok, I just wasted a credit pull and score drop for nothing and no one can tell me why I was approved and then immediately declined. Needless to say, I cleared my cart and ordered elsewhere.


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I made 2 purchases on 3/2019 and 10/2019 under a Promotional Rate of 0% interest if paid in full by specific dates. I paid BOTH bills monthly, on-time, with an "Immaculate payment history" per the Supervisor at Comenity Bank/Wayfair. I paid BOTH purchases off BEFORE the the expiration date of the Promotional Rates to avoid interest fees. Yet I received a new statement that I owe for the interest fees because I did not call Comenity bank/wayfair to specifically tell them how to allocate the funds paid. I have filed a complaint with the Attorney General's office as well. This is criminal!


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3 weeks ago I received a letter  from Comenity Bank asking me to send a copy of my ss#, passport, driver's license, birth certificate .... because of possible fraud on my account. (On March of 2019, thanks to my federal job and our lawyer I received a new ss# because it was used by another person for 20 years so you can understand why I can't trust a letter.) I guess Comenity Bank is handling "big lots" store credit which I opened to build my new identity last year. I paid everything on time, did everything right. When I called and asked about the fraud which  obviously scared me, the man spoke to me down like I did something wrong. 


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Comenity Bank does Williams-Sonoma credit cards and even if you have an account in good standing and never late - IF they decide you aren't using it frequently enough they will close your account without even warning you or telling you or asking you to use it - etc - they will just close - DIDN'T even tell me they closed it - I found out through Credit Karma informing me and had to write them...it dinged my very good credit b/c I didn't spend enough on their over priced crap....


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Today I was notified that my Victoria Secret Credit Card was closed. I have been in good standing with my credit card so there is no reason why my account should be closed. I will be seeking further action regarding this and spreading the word to others not to apply for any credit under Comenity Bank...when you screw your customers you forget that we hold the power to stop business from coming your way...please duly note that...


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Was never late in payments ever! They just decided to close my account for no reason! The worst of the worst banks my eyes has ever seen! They said they can't reopen the account but I was welcome to reapply! Crooks and when you apply that is another inquiry to go to your credit just because they decided to close your account with zero balance on it! Stay away from this bank, horrible all around!


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Have a credit card with $1500 credit, I have a balance of $170 leaving a lot of credit sitting there. Tried to use the card and it was declined. Called customer service and was told my purchase I made blocked my card. I asked why that happened and was told they don't know. Got nowhere and I asked if it's going to happen. Again was told, "I don't know". Asked if they are going to compensate me. Was told no.


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Per telcon 4/28/20 After several calls to Comenity bank they continue to insist they can’t issue refund check even though recent statement show credit owed. They said that online order was placed in April when I told them that I didn’t place order and they recently sent a new card. I said that it was impossible since I live along and the card is secured and never used. I want to end all business with this bank. I have paid off other accounts that comenity is affiliated with. My advice is that the employees at the brand Woman Within and comenity bank need to know how to process payments. I’m told that the fraud dept at woman within will close the account and reconcile this account to finally paid in full!! Thank god!!!! dept at


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I had a credit card with them for about a year. Made a fair amount of purchases. Paid them all off. Most of them I paid off within a month but a couple I paid off after a couple months. Never missed a payment. Never late. Always more than the minimum. I have a zero balance for almost two months. I attempted to make a purchase and found my card with 600 limit rejected. I called them and after a few more phone calls I found out they cancelled my card. They stated due to something on my credit report that told them I was a risk. They stated they mailed me a letter to notify me. I still have not received it. I find this to be absolutely ridiculous. To show me their appreciation for being such a loyal customer they cancel my card? Then the woman asked me if I'd like to put my merchandise on a different card. Absolutely not. And I definitely would not recommend this company to anyone I know to purchase anything either.


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On a $224 balance the bank charged $154 in interest in just 10 days. Whoever is doing the math for this company is a pathetic Genius and whoever approves such practices falls in the same Pathetic bucket. Shame on you and your practices. I will avoid this Bank like the Plague and all the stores that do business with you. Wishing you to get rich on my $154. Buy yourself something nice!


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Comenity bank practices are not good business. They closed all of my good standing accounts with no late payments always making payments above the minimum. They claim to have a concern of fraud in which they never contact me about. They send a letter for me to provide my credentials and I complied. They closed the account permanently due to " security concern". They are unprofessional and very irresponsible in my opinion.


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In just two days, my balance went from $1075 up to $1575. No explanation. Why? I called. After 18 months, their "promotional offer" expires. So if I don't pay the full balance off In 18 months, it's an additional $500. From the start, I smelled a rat. While sitting in the dentist seat, I'm getting pressured into these outrageous price options, so that I can get a tooth pulled. 


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I’ve had Victoria Secret since 2013. Never late, no return payments and never over my limit. I had a $500 limit in 2013 and it got raised to 3850. April 1 they lowered it to 510 without no notice. I didn’t know that until I tried to make a big order to cheer up family members doing quarantine and was told it was declined, called and I was told it’s over my limit. I said, "Well no my order wasn’t $3850, it was $519.89." Customer service had me contact Comenity Bank. 


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I received a "privacy update notice" from this bank, about an account of mine they acquired. The account was paid off and closed through the original bank, so I should not HAVE an account with Comenity to begin with, but the paperwork included seems to say otherwise. While trying to confirm my account is closed, I was on hold for 61 minutes & change, before finally caving and hanging up the phone. I've reached out by email, I anticipate the typical "we need you to call in for that" response that comes when you're looking for information such as this.


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Recently, I received a letter from Comenity Bank stating effective May 30 my interest rate was going up by 9%. Why? No idea. My account was sold to them by Capital One for some reason. With either bank, I never went over the limit and always paid on time. Right now, my card is almost paid off, having a very small balance. I called them and spoke to their customer service department, asking why the increase. Their agent didn't know why and I asked who I could speak with that would know. He put me on hold and went to speak with his supervisor. 


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I like many others have gone through a financial crisis, but always kept this account paid. On March 18th I paid the balance of $300 off and went to check the balance only to find out that the account was closed without notifying me!! This bank must be owned by a group of dictators who should consider selling all of their bank cards to Capital One, because they are constantly reducing your credit available on cards that they own, closing accounts without notification to the customer!! Stay far away from ANY card that they own, as they operate like a company under communism... Please consider selling all of your line of bank cards because you are the worst bank ever.


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Dealing with Comenity bank is not worth the hassle. I had an Overstock Card, and a Victoria's Secret Card. I lost my job, and was in the process of getting a divorce at the same time. Needless to say, I missed some payments. I did manage to completely pay off both cards to keep my accounts open. I also was in communication with Comenity while I was experiencing these issues. They might tell you they will work with you, but no one offered. I used them and made timely payments to improve my credit. This is since March of 2019. 


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This bank is a fraud.... I have Wayfair credit card through this ** bank, Comenity. They promised promotional zero interest for 12 months but started billing interest on my account right from month 1... When asked the customer is like we are not responsible for it and were absolutely USELESS!... Supervisor of customer care team SHERRY ** promised to find with their superiors on my issue and call me back with resolution but I NEVER received that call back.... WORST BANK I’ve ever worked with, in my life!.. Stay back from these losers!!!


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Had the credit card for years through Capital One, which I guess sold it to Comenity Bank. Have made no late payments since Comenity took over the account. Had to use the card during an emergency and card declined. Checked the account records, $1,800 available out of a $2,000 credit line but $0 available for use. Was going to call today to see what happened however I received a revised terms letter in the mail notifying that they'd be changing the interest rate of the card from the current 13.9% which I've had for the life of the account all the way up to 21.49%.


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Run from any business using Comenity for their Credit Cards. They send out a statement with the amount and due date. You schedule your payment. A "reminder" of your payment is sent -but they CHANGE THE AMOUNT because you purchased items after the last statement was sent. Then of course - since you don't change the scheduled amount from the first statement - they penalize you for "not paying the full amount" that was on the 2nd statement. Sick.... sick and wrong.


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Purchased a ring through Kay Jewelers, payments were supposed to be $120, YET they increased my interest rate to 27%. They sent my bill to the wrong address so that accumulated late fees and higher interest. Was not happy to pay at all if you seen what was due. Anyways calling customer service was terrible. They played the he said, she said games with Kay Jewelers. So just today I called back, and fortunately and I mean FORTUNATELY I was able to speak to Lynelle. She understood I was livid about what had happened, she offered to enroll me in a program in which they close my account (not like I use them for a credit card anyways) charge me 0% interest, minimum payment of $50 for 60 months. She was helpful through the phone and I honestly cannot thank her enough for saving my sanity over this bill. Lol. But shout out to Lynelle again. Overall, I would never do business again with Kay Jewelers - Comenity again.


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They will continue to drain, and finance charges your account without notifying you. They said they've sent me emails to tell me about my charges. I've checked my email and even phone calls every day and have not seen anything regarding late/finance charges. I've made a payment scheduled for that month, and they said since it's new, they put a hundred dollars finance charge on my card. I called them to ask them to take it off since I've already made the payment, and they withdrew my money again a few days later. They will not try to dispute anything against the finance charge, except defer the amount, but I'll continue to get the finance charge for how many days/months my payment is deferred in addition to my remaining balance. 


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I urge anyone reading this to steer clear of any retail establishment that does business with Comenity. They closed my account with absolutely NO logical reason. I have impeccable credit, have had several accounts over the course of 25 years with different stores that work with Comenity and all of a sudden “my account has been closed due to previous negative experience with Comenity or Comenity capital bank”. How does that make any sense. My credit reports show no late payments and no collections.... Like I said.... Impeccable credit. I will never use Comenity bank again. Good riddance.


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Comenity Bank, which holds accounts for many stores, is closing accounts for NO reason. I was sent a letter that stated they were closing one of my accounts due to "previous negative experiences with Comenity of Comenity Capital Bank." I have not had anything negative with your bank or any of my cards - always pay my account on time or before, and for more than the minimum due. Like I told the rep I spoke with on the phone - this is ONLY because of the pandemic - they are freaking out and closing accounts on people who don't use them very often. THIS is going to bite you guys in the end. I'll be closing every single one of my accounts...


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I put my account information with automatic payment but this bank is been doing charges about late fee, finance charge every month. I'm so upset. I feel ripped off. I'm going to cancel Sephora and Wayfair card. Please think twice before getting any credit card that deals whit Comenity Bank.


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This bank is horrible. Mayfair uses them and they try to charge you for everything - they put their communication on the statements but of course if you don't charge anything, you don't look at the statements. You just pay the bill online. THEY are horrible, I got charged 130.00 accrued interest on 64.00 because I did not look at my statements (other credit cards reach out by email). AWFUL AWFUL and terrible to do to people as they suffer from the CORONAVIRUS. AWFUL.


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I went to Ulta in Dec 2019 and they asked if I wanted to open a rewards card. I said yes to have as a back up and didn’t know if I would ever really activate it. It’s March 2020 and I still haven’t and don’t plan to. I got a call from them (Comenity Bank) today saying I owed over $100 for that rewards card. One I never even activated or even knew where it was. Apparently the $37 I paid in store on my debit was charged to the rewards card (that was never activated or used) once I was approved for it. And about $100 in fees. No mention of any of this from the sales girl. No details whatsoever. It’s very reassuring to see so many similar reviews and reviews that are so recent/relevant.


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I haven't made a charge since Sept 2019. As of this date, the balance still hangs at the credit limit even after I've made all payments. I've been late by mere minutes twice and have never missed a payment. Every time I make a payment they tell me something went wrong. Last time I used the same bank account stored in my account and Comenity gave me a late fee saying the bank couldn't locate the account. The. Same. Account. I. Used. The. Month. Before. 


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I continuously received calls to my home and cell for people I DO NOT know. For years. I filed a complaint with BBB, they responded they will take me off phone list. Also, They only called once. LIARS! It is too late for me to add to that complaint, so I am doing here. They only give you a couple of days. Their people are rude and don't care that they have the wrong number. The response said they reviewed all calls and don't hear that they were rude. Really? Where are those calls? I will never do business with these people.


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I am a senior citizen working from home due to the Corona virus. I received a call from Comenity Bank. They are looking for my sister who had an account with them. My sister does not live with me. She has dementia. I explained this to the woman on the phone. I have gotten these calls before and I was very upset to get the call especially in light of the national crisis. In trying to impress upon the caller I misspoke and said I'd report them to the Governors office The caller laughed at me and implied that I was lying by saying "you're good". I called Comenity to report the caller but was met with the same disrespect. I have also reported this to the BBB. These people are heartless. Does collecting a debt or bothering people make you lose your humanity? No one should deal with this company.


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Please think twice before getting any credit card that deals with Comenity Bank. I have a Carter's credit card through them and it has been a hassle. I have excellent payment history with all my credit cards. Mid January we suffered the unexpected loss of my sister-in-law and during the 2 weeks following her death until her memorial service things were completely chaotic. I completely forgot to pay my Carter's bill on Feb 2 with all my other distractions during that time. When I realized what had happened I immediately did an online payment and contacted them explaining my situation.


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You've seen the reviews, this is a terrible company. Of course, all credit companies want to make money, because these guys are out for blood. Truly, do not open a credit card with this bank. They will find a way to take money from you.


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Please do not use this bank. It’s a horrible bank that only care about ways to steal your hard earned money and they will do literally anything to do it even if I’m sure it’s borderline illegal. My experience was horrible with them. I had paid my credit card completely on August of 2019 and closet my account. I called to make sure they had done exactly that not once or twice but three times and this month they started sending me letters, calling me non stop about me owing them money. They completely ruined my credit score!!!! I called and now the “fixed it” but they are “very sorry” because they know they ruined my credit but there is nothing they can do to help me. DISGUSTING BANK!


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This is the worst company I have ever had to deal with. I have 3 credit cards, open for several years with this company. Within a 1 week period, they lowered my credit limit on 1 card by $100 (I have never been late or missed a payment on this card), they closed another account for "inactivity" even though I used the card within the last 3 months, they increased my credit limit to $780 on another card. When I called to speak to customer service to ask why this happened, she could not give me an answer, I then asked her if these actions made sense to her, she said no, but there was nothing she could do.


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I made a mistake requesting a bank transfer. I mistakenly made $1,000,000 transfer. I called Comenity Bank the same day I made the mistake and asked them to stop the transfer. Comenity told me they would. 4 days later, my outside bank email me there was a insufficient funds transfer of $1,000,000 on my account and I was charged $25 insufficient funds fee. I called Comenity and asked why didn't they stop the transfer only to be told the bank cannot stop a transfer once it is started. I was mad.


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Please sell all of your cards to a reputable bank!!! Second time I have paid off a store card and another card's credit limit has been lowered. Always have paid on time. Never happens with Cap One or Synchrony. Wonder why my credit score is dropping? You keep playing with my accounts!!! Never late. Paid off multiples of cards many times. Last time this happened I paid off Bealls and then they closed it. Now I paid off Children's Place ($150) and my Victoria Secret is lowered by $150?! Really your company won't be happy until all my Comenity cards are gone. I thought CC like making money?


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My experience was the same as others but to the least concerns these people are Rip off Artist. 'Cause hard working individuals should not pay for late fees over and over after US postal money orders of payments on the products I ordered and I wrote a small note stating that I want to end the credit card 'cause I paid the full total off of $99.00 but then couple days after the payment I receive in the mail another pink envelope with a higher amount stating they did not receive the pay and another late fee of $39.00 added. Wow .. I was lost for words that even if I was late on one occasion as I was with my Victoria's Secret Card this bank should have a grace period after the due date allowing time for it to get there but instead you get penalized with late fees of $39.00 over and over. They willfully will report you late to the credit agencies. Unfair and inconsiderate.


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I only have this credit card because of Ulta. Always pay my bill on day I receive payment or next day. Last month I did not receive bill till 7 days after due date. I called and ask them to look at last few years and they could care less. Man was rude and hateful. Ummm maybe I need to use a different card since they do not care.


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I had an 18-month promotion with Wayfair which used Comenity Bank. I paid the promo in full 20 days early. I used their statement guidelines which is in red for promos and paid exactly what they said to pay to avoid interest charges. The next month I got an accrued interest charge of $546.72 on a bill that I owed $41.00 on. If they had applied the money correctly to the oldest promo it would have been paid. Instead they took out the $41.00 I mentioned and applied it toward a new promo that was not up for another year just so they could tag me on a bill that was paid in full.


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If I could give this company a negative amount of stars -0, I would. This is the worst company I have ever dealt with. I submitted a payment to them on the 12th of the month. They did not try to process the payment until approximately the 26th of the month and by that time, I thought they had already taken their money and have been paid. By the time I found out that they didn't receive the funds, I was marked late on my credit report and I so I made another payment that they also didn't process in a timely manner and this time my credit report reflected that I was 60 days late ruining my credit report and my credit score. This has happened so many times that I am paying this account off next week and I will NEVER do business with Comenity Bank ever again!!


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This bank is a joke! I used this bank for interest free financing for a furniture purchase three months back. Out of the three payments they claim two were late so they assessed late fees. These payments were mailed out twelve days before the due date but they claim they did not receive them until the day after the due date. Liars, plain and simple. I am never late with any payment. It's obvious to me they hold the payments until they are late simply to tack on fees. Well I'm not paying them another dime until they get this straightened out. Scam.


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I had a credit card with the Stage stores. I used the card to make a purchase and pay it off trying to build credit. Then I had a work related injury and could not work for a while. I was like 2 - 3 days late of my payment date when I called to ask for help with the late fee and pay off the account. I was told there was NOT anything they could do to help me, so an eighty dollar balance has turned into a $170.00 balance and is still growing because they refuse to help. Even though the Stage statement states, "If you are having financial trouble call 800-992-3803 and they will be happy to help!" They do NOT care. $36.99 late fee is absolutely a huge ripoff and their interest rate is 28.49%. They are in business to ruin people's lives. Even if I get this situation resolved, I will never use Comenity Bank again! They are legal thieves!


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I promise The "customer service professionals" are rude and aren't setup to assist you. You can call them and hear three different answers to your questions about your statement, account, or card. They closed my Forever 21 card after I paid it in full. I call and ask why, no has a clear answer. One rep tells me it's permanently closed, another tells me it temporarily closed, and another says keep your payment history up (2 late payments months apart) and another says reapply for the card. Which one is it? Don't fool with the scammers over here. Then on my VS which I rarely use, just a card to build/maintain credit, they close to inactivity (small purchases/pay bill) and because of unknown reason on credit report. Calls credit report company, (Transunion) they have no answer for me either. Save money, hassle, and headache. Get a credit card with Capital One, Discover, Gobank, anywhere but here. All that glitters ain't gold and this ain't it.


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Long story short, they charged me for a computer generated error, and refused to refund it, yet only a 25.00 fee, one charged due to a phone processing error. Offered to pay over phone, and Maria part of their mgmt team says they will charge me 9.00 fee to process. I said no thank you, and I will be closing all Comenity credit cards, I will also be reaching out to stores, I hold those cc, and inform them they have lost my business, due to their crooked credit card practices.


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The short version, I didn't get a statement or any notification of an amount due and was assessed a $29 late fee plus interest. I called and the late fee was reversed, but they refused to reverse the interest, which would mean I carry a balance and impact my next month's amount due. I worked in the credit card industry for 30 years and know these companies make obscene amounts of money on what should be considered largely illegal practices (certainly unethical). I have a zero tolerance policy for any of their nonsense and always pay the due amount in full. So, for $6.30 of interest, they have lost a customer and they don't care because I don't carry a balance. I have also written a letter to BJ's, informing them to cancel my membership as I will not knowingly do business with associated companies.


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Only thing I would caution people to do is to be VERY careful when opening any store credit card that uses Comenity Bank. They are a Fraud with high rates and unfair if not illegal practices. The customer service is unwilling to do anything to help besides saying that they wish they could help.


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I always pay my bills on time, however, I accidentally missed a payment by 2 days and was charged a late fee. So I closed my account and paid the late fee. I was charged another late fee and they refused to take it off! Will not ever use or recommend Comenity Bank for anything...They are RIPOFF!


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Awful! I applied for an Ulta card and a Sephora card within 2 days of each other. Apparently the cards were intercepted by a thief while in transit because Comenity called to tell me they suspected fraudulent transactions on the cards. I said yes because I have not received either card. Comenity canceled the cards and reissued two replacement cards that day. 


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They closed my Ulta MasterCard after 2 late payments without even telling me. When I finally got a new job after 7 months and called to try to catch up on payments, the rep was very nice and said she’d waive late fees on that and a couple other Comenity store cards. She gave me an amount to bring the Ulta card up to current, which I paid. I only found out after checking my credit report that the account had been closed for 2 months! 


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I have a few Comenity credit cards. If I could rate them a zero I would. DO NOT OPEN any credit cards with them. They will decrease your limit or close your account once you pay it off or have a large available credit they snatch it right from you! I will NEVER open another single card through them again!!!


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I received catalogs that use Comenity bank. So, I decided to open about 3 accounts, what did I do that for. Along with the outlandish fees for the small credit limits were crazy. They're thieves. They're out for money and that's it. They won't help or negotiate properly. Stay Away, it's a weird company. I've had these accounts for some reason transferred 2x to 2 more fake scam companies who have my information which is fraud. Portfolio/Rausch Sturm


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Comenity Bank charged me twice finance charged before my 12 months was up. I called them and emailed to explained to them I'm on a 12 month promotion. They did not seem to care or give me an explanation. It was only 2 dollars for 2 months but it is principle. Comenity bank are liars and they lost a good paying customer. I even paid a month ahead and close to the end of my promotion being up. They charged me a late and would not remove that either. I will blast Comenity bank to friends and family. NO ONE SHOULD DO BUSINESS WITH COMENITY BANK. I WILL NEVER DEAL WITH COMENITY BANK AGAIN.


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Like many others, Comenity promised a lot, so I applied was approved, but 3 months later, they closed the account, stating I had too many inquiries. LOL, they were the only inquiry. I had used the card once during travel for a hotel stay, paid if off the following week. I called support, that was a bad experience, unprofessional and rude staff, sounded like they were having a party in the background. I wish I would have read the reviews here first. From my experience, don't do business with Comenity!


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My payment was due the 12th of January. I pay all my bills online using billpay service and never had a problem with a late fee. I sent the payment on Jan 6th, plenty of time to arrive on time. Post office mail takes 2 days to get to TX. Get my next statement from them and it has $28 late fee and $5 interest and shows my payment was received on the 15th. We statement was mailed to me on the 17th. I call in to talk to them. They will not talk to me because the account is in my wife's name. 


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I purchased a wedding ring on 11/23/18 from Kay Jewelers. I was told that if I opened an account with Comenity Bank and paid off the balance within 12 months I would not be charged any interest. The balance was divided into 12 payments with the first payment due on 1/16/19. This was done automatically through their direct draft system. Unbeknownst to me, because I made the purchase in November of 2018, the balance had to be paid by November 2019. Their system automatically divided my balance into 12 easy payments and pushed the first payment one month out causing me to be one month late on my final payment. I was charged 12 months interest for the entire amount from the date of purchase. I realize that if I had paid closer attention and had not been so trusting I would have caught their little scam. I didn't and now I know and I'll never do business with them again.


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Recently, I had a payment returned in error by my bank, first time since my account was opened in 2018. They not only charged the returned payment fee but also blocked my checking account, I submitted to them a letter from my bank stating it was bank error and my checking account was active and had no problems, they gave me a temporary reversal of the fee, but almost a month later my checking account is still blocked and they have the letter from my bank taking full responsibility. I have not received a valid explanation as to why, only form email responses from the many emails I have sent. I have never seen a company with this level of customer service, it is the very worst! They should not be in business.


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I have three cards of which Comenity is the bank. Ulta, Alphaeon and Care Credit. I’ve been giving them business for years and they continue to provide AWFUL customer service anytime you need anything. Heaven forbid you need a late charge waived, they act like it’s coming out of their own check!!! They won’t waive anything regardless of your situation (my mother passed away and they couldn’t care a less)!! Well I am officially DONE with them and their money stealing schemes! I’ve paid them all off and I would NEVER use them again! I’ll give my business to Capital One or Discover.


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Do yourself a favor. DO NOT buy from a retail credit card managed by COMENITY BANK. They are a rip-off. No auto payment, no email alerting you of future charges, then they say you select paperless that they offered over and over. I ended up paying double of the item amount I bought from Wayfair. Thanks God Walmart is with CapOne. Their customer service is horrible, more like a collectors. They are rude and useless. Never buy from any store related to this bank.


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Please do yourself a favor and don't ever get a credit card or anything financed through Comenity bank. They will ruin your credit and will charge exuberant amount of money for any late fees. Please DON'T use these people, they are the true definition of evil.


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I made a qualifying purchase for deferred interest, however after making the purchase, Comenity reneged on the agreement we had, and charged me interest on everything. They refused to honor the agreement THEY made with me. I was also paid a month in advance, however I was still hit for a late fee for not making my payment on time (even though I've overpaid every 2 weeks and was over a month ahead of schedule for payments on purpose). After trying to get them to assist me, all I got was a rude attitude back. I'll never use Comenity ever again. This company and its customer service is complete garbage. If I could give a 0 star rating, I would absolutely do it. Judging by the other reviews on here, it's a shock they're even still in business.


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Do not do business with Comentiy Bank/Smile Generation. Their customer service is horrible. I called them today and spoke with a representative regarding my wife's account. She was very rude, unprofessional and unpleasant to speak with. I am not sure how can this business survive to hire people with no customer service experience whatsoever. Her communication skills were zero. I will try to payoff the loan that my wife has with them for her dental work and do not deal with them ever again. I DO NOT RECOMMEND THIS BANK FOR YOUR FUTURE FINANCIAL HELP. They are running a shady business.


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I tried to take advantage of a promotional zero interest financing for a portion of my cost for new hearing aids thru Healthiplan/Comenity Bank - it was a big mistake! Their deceitful and unethical practices led to an exorbitant finance charge and related late payment fees. Contact with them in hopes of resolving this issue went nowhere. Do yourself a favor and DO NOT use Healthiplan/Comenity Bank if it is offered as part of your dealings with APEX Audiology.


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I was rebuilding my credit and obtained several credit cards that were issued from Comenity Bank. I paid them all on time with more than minimum due. Then it started to happen. They started running my credit every month, with these inquiries my score would drop, and then they would drop my limit on my card. They even closed 2 of my cards for no reason. They have dropped my limit almost every month to a point where some are now over limit so I have to pay more just to keep the below limit. Never get one with Comenity Bank.


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If I could give less than a star I would. They don't care, they won't let you speak to a manager, they don't listen. They just listen to answer and rebuttal everything you say. Do yourself a favor and never get involved with them.


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Awful company. Paid off my balance and needed a simple letter stating I did so and my balance was $0. (Purchasing a home and this is something that was required). Since I opened my account in 2012, I was told, I could only get a letter drafted 10 days after my Debit Card payment to my OLD address on file. They were not able to fax or email or anything else besides a letter. The letter could not be prepared till 10 DAYS AFTER my debit card payment. And then it’d take an additional 7-10 days for the letter. So 17-20 days to receive a sentence saying I paid off my balance. After 7 calls to their customer service and no one saying the same thing twice....I will never have another Comenity card again. Horrible service. They sure can yank your money in seconds but not provide any service once they’ve done so.


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My daughter and I purchased some jewelry at Little Switzerland in St. Thomas in May with the six month interest free offer. I religiously paid the amount due each month to avoid the interest charge and always paid by the due date on my statement. Now that I have made the last payment, based on the due date that was on my statement, they are saying that I didn't pay the promotional balance off by 11/21 so they charged me the entire interest of $152.96 for the purchase because my payment didn't reach them until 11/25. The due date on my statement was 11/28 which is very confusing... The promotional due date should be the due date on your statement.


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Comenity bank has a predatory behavior with customers. I paid $200 without my bill in front of me 9/4/19. I owed $206.95. Locked myself out of my online acct and had $6.95 bill left Oct 2019 (I was unaware). I Called in mid November when I found out about the $6.95 I owed. I requested paper billing (the oversight would not have happened with a paper bill) although I don't know why the account was set on electronic bill. I paid the bill at the time. W.sonoma waived the fee, did not credit my account for $6.95 and $2.00 interest when I paid the first time. The amount was not applied until November 26 2019. The rep said I was all set, no balance and my card was in good standing on my first call. My card was declined in store in December. I returned home and checked my account. 


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OMG-they are the lender for Alpheon credit. They run promotions on their lending which is an earlier due date than the due date on their autopay. They should give you that option. They prey on people that are good payers and rip them off!! I borrowed $10,000 in July and was told it was interest free if I paid within 6 months. I paid it off every month-I was late, one month, but paid and was charged $27. You would think paying it off regardless of one mistake, they would be lenient on the late fee. Only reimbursed me $15. So, I finish paying within 6 months by THEIR due date-$10,000-and they charged me almost $1000 interest. 


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My wife has a card thru Lane Bryant. I have all other cards on auto pay but Comenity does not offer this option. Bank is phishing for late fees, no notice or phone calls or any notice of missed payments until three payments at $40 dollars each. Late fees are more than the charged amount. Customer service does not care. Does the store get a kickback from the bank. I cancelled the card.


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Considering @Arhaus for furniture purchase using 1 year no interest promotion- BEWARE! Comenity Bank provides their financing and is NOTORIOUS for processing payments late to drive up late fees AND falsely charge the promotional interest 29.9%!!! We purchased furniture via Arhaus under a 1 year promotional plan on 2 separate purchases with 0% financing. We paid the account in full with check on 11/21 and they did not post until after 12/9 and back dated payment to 12/4 posting date- STILL charging the $900 interest. Called 2x with NO solution.


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Comenity Bank issued me a credit card for The Children's Place in November 2019. I entered my banking data two weeks early and submitted a payment on 12/12/2019. However, the Comenity Bank Credit Card Profile website did NOT ever process my payment. Because I keep a daily watch on my checking account, I noticed my payment to Comenity Bank was never processed.


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We are approaching week 3 of review to see if I qualify. I get a letter on week 2 saying they need more information including my astrological sign. Yes, that's right they need to know my sign before they will issue me a card. Ridiculous! I have a 764 credit score. This is crazy. You have to know my sign first? I have never had this kind of experience or drawn-out foolery while applying for a card. Do yourself a favor and apply for worthier card.


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I, like many others who left reviews, had my credit limit decreased on my credit card. I have had the account for over 2 years and have made EVERY payment on time. I have had TWO limit decreases in less than 6 months. Every time I get my balance paid down, they are decreasing my limit. They decrease it just enough that I am not able to make any purchases. The explanation that I received is that my credit score changed. My credit score has changed several times during the years that I have had the card but I never got credit limit decreases until recently. I have never had credit limits decreased on my cards from any other bank. I am very displeased with Comenity Bank!


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These guys definitely steal money from you. I have been gone online paying my payment pushing the minimum amount due and it turns out what they have written is a dollar short so they charge me $38 to $40 every month in a late fee because I paid a dollar less which doesn't make sense because why would I pay a dollar less just to be charged every month. I talked to them about it and they said they can't do anything about it but Credit One charge back every 18 months.


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I received a fraud alert voicemail, asking me to call them back. It has now been 24 hours and I have no way to get in touch with them. I have tried the fraud line multiple times during business hours (on hold for 10-15 minutes then they end the call telling me to try again later). I have tried 2 customer service numbers. Both auto route me to Spanish even after I choose English, and put me on hold for 15 minutes before hanging up on me. Online the cards show as unlocked, no fraud alerts, yet my wife's card is now declining. Accounts are fully paid off. It appears others have wonderful experiences. Perhaps this is a Sony Card problem as they recently switched from Capital One. If you have a Sony card, I recommend switching until Sony picks a better bank. Been a Sony Cardholder since 1999. Looks like I am cancelling which is a shame.


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I purchased a piece of jewelry from Jared. I paid the item off on time, every payment. I thought since I paid the balance off in full, any interest would stop accruing since I ASSUMED it was part of the balance. I never missed a payment!!! 3 mos later I got a late payment notice! They have a rolling interest where even after you pay an item off during a month, they can continue to charge you interest for the remainder of that month or pay period!! My credit rating dropped!! They fixed the payment, supposedly going to send out a letter to the credit bureau to fix it. DO not purchase any card affiliated with Comenity Bank.


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I have 4 retail cards that use Comenity. I have been actively using my credit cards for years. I was unemployed still used my cards and I paid off 1 of the cards and was paying down the others in high volume getting ready for the Christmas season and gifts. I get a notice for each card just 1 month before Christmas of them significantly lowering my credit limits (all were not even maxed out or near the original credit limits). One card they lowered 95% to nearly nothing and have ruined my Christmas for my family. I am so angry with this company.


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I was the victim of credit card fraud. My social security number was somehow stolen and a Victoria's Secret card was opened with that number and used by a criminal. I have never seen the card or know how it was used. The criminal did not use my correct name or address but was still able to open the card and I was contacted by a collections agency to pay the bill. When I spoke to Comenity bank's fraud department they reassured me the case was obviously fraudulent and would be resolved quickly. It's been months and I have since filed a police report and contacted the credit bureaus, but haven't succeeded at getting these charges removed and am now receiving bills for this fake account. I just spoke with the comenity bank again today and they assured me that they would open another case and get this resolved because it was clearly fraud. I am now researching how to take legal action against the bank.


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I made a purchase on Overstock about 18 months ago and applied for the store card upon check out to get the discount. I have been making my payments but since I have not bought anything new, they continue to lower my credit amount thereby negatively impacting my credit rating as it appears that I am using more credit than I truly am. They are a sleazy and dishonest credit issuer. Protect yourself and Just Say NO to Comenity Bank cards.


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Comenity Closed 2 of my credit card accounts that were paid and in good standing without notification. I called to get a credit card replacement, and I was told I would have a replacement mailed within 2 weeks. I then get a secured message that they denied the replacement. I called again to speak with another person that I could barely understand who then said she was send a new replacement, so I had to repeat myself on why I was calling again because the guy I spoke with before her said the same thing. Then she tells me that they closed my account and I would not be able to get another card unless I fill out a new application for the same limits and benefits.


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I lost my Kay card and called Comenity Bank to report it. Well they decided to close the account and refuse to reopen it. I DID NOT TELL THEM TO CLOSE IT AND THEY REFUSE TO CORRECT THEIR ERROR. They are terrible. Refuse to ever do business with them in any manner shape or form and will place this on every social media outlet to let everyone know.


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Comenity found 4 potential instances of fraud on my husband's credit card, two of which were in fact fraud. They advised us to destroy his card, that a new one would be mailed and that I could continue to use mine (I am the primary cardholder). 8 weeks later, he has received 3 new cards, NONE of which have worked. Then, Comenity canceled my card, I received two new cards, the last one finally worked. We have called them 15 times, basically been lied to about new cards being sent, and now they sent a letter saying our cards were cancelled because of info they received from another source. 


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In April of 2019 I fulfilled sign-up bonuses for a credit card I received from Comenity Bank. After waiting three months for my reward I contacted customer service. They spotted an error in how they had coded my purchases and informed me that the issue would be resolved 'shortly' which meant within 60 days. We are now 7 months removed from the purchases and despite additional phone calls and numerous emails they have refused to address the issue. I suspect that since the amount is rather small they know I will not pursue legal action and are simply going to ignore me.


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Have been trying to obtain either my username or account number in order to access my account. I have lost both and you must have one in order to get the other! The absurdity of their customer service was when a supervisor was trying to get me to guess my username and the call was disconnected. The customer service are all very pleasant and polite but totally useless as they no authority and their knowledge of how to resolve problems is woefully inadequate (e guessing username). I need a copy of my statement for a mortgage application and would also like to payoff my account and close it. I highly recommend not using any company affiliated with Comenity Bank.


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At the end of last year, I opened a LOFT credit card account which obviously is issued by Comenity Bank. I forgot to pay for my purchase immediately after one transaction. Since they don't have an option to set up auto payment, I ended up paying it late. I paid the amount of purchase + late fee + interest charges as soon as I realized it past due (only a couple of days later). HOWEVER, after I paid all my previous balance full, I keep receiving late fee charges and late fee charges for those late fee charges with an accumulated amount of nearly $200 Year-to-the end! I called customer service to close my account, the agent said that she can waive one of the many late fee charges ($35) if I keep my account. I just don't bother to do any business with COMENITY BANK and decide to close my account immediately. The worst customer experience I have ever had in my life! Stay away from the COMENITY BANK which does business in such a sneaky and underhand way!!!


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Was happy with the high yield (though the rate went down twice from 2.45 to 2.15 in the last two months). Then, they decided to implement a daily transaction limit of 10K for all customers, with no warning. That makes it easier for them to hold your money and harder for you to get it out.


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I have been attempting since March, 2019 to obtain 2 closure letters from Comenity where Comenity held the ownership of these credit cards. It is now November, 2019, do you view this timeframe as ridiculous, I certainly do. My request is nothing out of the ordinary. I have talked to 95 pages (I make notes) of ridiculous call center personnel, get the eternal yank, everyone saying they want to help, when they do not, but try to obtain much of our personal information. Now 8 months later still trying to obtain these closure letters. These call center employees try to take on things they are not trained or experienced to handle, frauds, liars, thieves, taking too much of our time, do not enter into computers accurate information, cannot spell or even write a complete sentence, uneducated. Would never recommend this bank to anyone.


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They have the most incompetent claims dispute department and process I have ever seen before in my life. They put me through the ringer to get ALL the documents I needed to file my dispute and still could not understand it. I had to do another letter and resubmit again and they denied the claim simply because the Merchant does not grant refunds. This person did not deliver the services she promised as per her contract but because she does not give refunds, they took her side. I have already retained a lawyer. Please STAY AWAY from using this card.


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I am writing today to express my complete dissatisfaction with Comenity Bank and the way they operate their interest free payment plans. I purchased a dining room table from Overstock.com on 9/24/2018 and used their 12-month interest free payment plan. I received my first bill, which was due on 11/4/2018. I divided that bill by 12 and made 12 payments. My last payment had a due date of 10/04/2019 so I set the payment up for that date. Two weeks later I received a bill in the amount of $102.35 for interest charges. I called their customer service department and they told me that I am being charged interest because the promotion plan expired on 9/25/2019, 9 days before the bill was due. This is extremely poor business and seems almost a dishonest practice.


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I recently made a large purchase at Ulta. I was lured into applying for a card that would save me $100.00. The first thing that irritated me was a letter I received saying AI didn’t get the best rate due to my credit report. My score is in the mid 700’s. Today I received a call that my payment was late. I never received the bill! She says they sent another on the 16th and today, nothing. They have the correct address. I could tell the agent thought I was lying. I always pay my bills on time. They slapped me with a late fee. I paid her on the phone and it is still pending my bank account.


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I am reporting an issue with the Comenity Bank during Wayfair Credit Card application process. I received a letter from Comenity Bank that they need to verify the information provided for my Wayfair credit card. I called to let them know I no longer wanted the card. (I was not interested in getting the card since the Wayfair discount offered online when ordering furniture was not available after I paid for the item.) The person I spoke with (at 866-668-5450) told me that she would note that I refused to answer the questions related to my information and that a letter would be issued noting this refusal. 


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I had 4 accounts with Comenity bank, all of them being in a good standing with paying of the loan amount, but there is one account (Overstock.com) that I could not close because comenity want to change on the late fee that I paid last month. Want to charge me another late fee the amount not even correct. To begin with it's a ripoff company, they do not have the option for you to set up auto pay so they can bank on the late fee which I was a victim of, customer services are very rude and unprofessional. I highly recommend not to do business with this company, they do not even deserve to have a 1 star.


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Had my card breached in September 2019. While Comenity did issue credit for the fraudulent charge, I was never able to use the new card issued to me. After verifying my card was UNLOCKED, and my address and phone number were correct, I had made several attempts to use my card, only to be mortified at the register. At which time, I gave Discover Card my purchases. I called twice to research the issue and while the reps tried to be helpful, they showed absolutely NO ISSUE on their end. I closed my account and cut up my card. And just for the record, MY ACCOUNT WAS AND ALWAYS HAS BEEN IN EXCELLENT STANDING!!!!


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In March of 2018, I purchased a furniture for $2940.85 from Overstock. The customer service person told me that If apply and buy through the Comenity credit card I will have 36 months interest free. As per this I applied the comenity credit card. I have been making monthly payment without fail. Never missed a single payment. On 08/30/2019 I had a balance of $175.86. in my account. When I looked at my account again 4 days later on 09/04/2019, the account has been charged for financial charge of $700.71 for a %175.86 balance. 


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They constantly increase my minimum payment for no reason, using the excuse of "We sent a notification" to make it OK. I have never dealt with any company that has done this before. The minimum payment should only go up if you have spent more on the card. Then it makes sense. But if I haven't used the card in over a year, they should not be constantly increasing my minimum payment! Then if you call to speak to someone, you deal with incompetent people who have no idea how to answer your question and have no intention of finding out. "Oh I'm sorry, but that's just the way it is. They sent you a notification." Then you have to insist that they find you someone who knows, because someone SHOULD know, don't you think?


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Lets start out by stating that they when I used a line of credit through them they did not tell me the interest was deferred. They did not tell me the interest is 29.999% APR. So when I paid the balance of $3500 down to $2600 all of a sudden the deferred interest of 30% hit and I got a lovely $4700 bill. My $65 payment went to $190 each month. Did I mention that each payment I make results in a $121 interest charge so essentially going to stay in debt. This is disgusting. Never have I ever had my minimum monthly payment more than double.


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On February 14th, 2019 I purchased a wedding ring set from my local Kay's Jewelers. When checking out I was offered a promotional plan for 36 months and took it knowing we would pay the account off in about 30 days. Worst mistake I've ever made! March 16th 2019, I went into Kay's to pay off the account, gave a check and was assured there would be no problem. April I received a statement for $8 and change and paid it. Then May received another statement, now for $19 and change and again paid it. Didn't receive another bill until July with a balance for DOUBLE the amount originally charged. I immediately checked with my bank and there was NEVER an attempt to take the payment for the account. I have called MULTIPLE times to get this taken care of and continue to get the run around. They have now messed up my married name and I am required to fix it when they made the mistake.


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I share the same experiences with Comenity Bank, paying on time and it takes sometimes a week to debit my account, charge a late fee, and the customer service is awful. I close my JJill account and will do the same with Talbots and Loft. I can see reading the reviews, I came to the conclusion that nothing stops them and hopefully the consumers affair can put a stop of the way they do business. I have a business for the last 43 years and I can not believe that they get away. 


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The second they email you about your card statement being available online, they also call you from multiple different numbers every hour on the hour. Bill isn't even due until next month. No past due balance; nothing. Just straight harassment. Absolutely a nightmare to deal with; never again.


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I opened this card in July of 2019. I have made on time payments every time. I recently added a new account to my profile so that I could use it to make payments. I received an email stating that the payment was received and would be deducted, pending final authorization from the bank. My daughter tried to make a purchase last week but couldn't. I went to check and it said that the payment was returned. I didn't understand why since the account had plenty of money in it, but I paid with a different account since the payment was now considered late.


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I paid off my account on August 8, 2019, called in specifically to make sure the amount was correct. Two weeks later I get a bill with added interest after a 24 -month promotional offer of no interest. It is not my fault that interest is applied a month later, very misleading. DO NOT use COMENITY BANK.


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I applied for the credit card on Ulta's website due to a promotion. If I applied for a credit card I would get 20% off the purchase. That was the only reason why I applied for the card. After I completed the application I was told that my application was under review and they would let me know the status within 10 days. I have a credit score of over 800 and there was no reason why I should have not been approved for the card at the time I applied. I pay all of my credit cards in full, monthly. I received a letter from Comenity stating they could not continue processing my application until I contacted them directly to verify information. As I write this, I have been on hold waiting for an agent, 1 hr and 55 minutes. I don't know what information they need verified, but at this point I would never do business with this bank.


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I would not give them any stars if that was an option. I have not seen this issue in any of the reviews. I just recently joined BJ's and decided to go ahead with applying for the credit card since they had nice cashback incentives. About a week later I received a letter from them stating my application cannot be processed and to call them to provide more information. I have excellent credit and have never had this problem before. I called them and some of their questions were invasive and personal and I immediately had a feeling this was not a legitimate company. They then told me that I would receive another letter requiring more information which was really surprising. I just received that letter and they are requiring copies of my driver's license, social security card and a copy of a utility bill or bank statement. This is ridiculous and unheard of. I feel this is very fraudulent and of course will not comply.


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My statement for the month was 2661.32 cents. I paid 2661 due to rounding error and was charged 13$ as finance fees. To add insult to injury on calling customer service the agent schooled me on where I can find details of the Finance charge buried in their terms and conditions. Most ethical banks would waive off the fee. I have cancelled my card as I do not want to encourage their unethical practices.


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I bought $62 of cosmetics at ULTA Beauty and opened a credit card in order to use the "save money coupon". The credit card through Comenity Bank was due May 12. I didn't get the bill on time. The Post Office sent me a letter dated May 10 2019 that my mail was being held until my new address was confirmed as they believed my online postal account was compromised. (It wasn't.)


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I financed a small portion of a $14,000 Kays jewelry ring. Bought on 8/9/2018, the ring was custom, and awfully mounted upon pick up. I proceeded to have the worst experience with the product with it breaking several times, including on day 1! It was not in my possession for the first time until 9/1/18. In the first year, my wife had the ring for a combined 5 months at max with it in and out of the shop. I, however, CONTINUED TO PAY MY BILL ON TIME. I received the deceptive “0% finance promo plan” of paid off on a year. 


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One of the most difficult experiences I have ever had with a financial institution. I was told by Wayfair to institute a dispute so that the Comenity-Wayfair dispute process could begin. I had to speak to four different people at Comenity before I reached someone that helped me. The first three folks I spoke to were had no interest in helping me resolve my dispute. Initiating the dispute does guarantee that I get what I want. Just a horrible experience.


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My wife got a credit card tied to Bealls of Florida. Some time after using it, she got a letter saying they could not contact her by email. They did have the correct email address. I made phone calls to get the bill paid and I tried to arrange for future automatic payment from my bank account. Automatic payment is either very difficult or impossible. I'm not sure which. Last month, I spent half an hour on the phone with a customer service rep to pay my bill. When I was done, I was assured that everything was ok. Maybe for Comenity it was ok.


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I have been trying to make payments on my card via their website. I managed to pay a few small amounts over the past weekend, it would not allow more than one payment in a day, though that was how my outstanding balances would come up. I have a low limit which is fine, but after my purchases have been made and shipped, it’s not reflected when I log into the account, so I can’t pay it off and make more purchases.


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This company is a joke. I applied for financing on a $15,000-$20,000 engagement ring. With an 800+ credit score and more than ample income, they offered me a $1,000 credit limit. When I called 15 minutes afterwards, they said they would need to pull a second credit report to increase my credit limit. Pathetic. I am reporting this company to the BBC. Pulling multiple credit reports in a matter of minutes to meet original expectations is bad business, plain and simple. The customer service representative did not help at all. Also disappointing my jeweler referred me this company.


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I have had two highly negative experiences with Comenity Bank. Both involved bills indicating that I had not paid on time with an addition of exorbitant late fees. In both instances I had sent in checks much before the deadlines. When I made an attempt with a phone call to address the problem, I was told that I must have sent the checks to the wrong department. I had mailed my checks in the envelope they had provided and I had checked to see that the address was clearly shown in the envelope window. I was also told that I had an outstanding bill on a credit card from a shop that I frequent, but I don’t have and never have had a credit card from that shop. This is inefficiency at its height or it’s a scam. I am highly suspicious of this company and will report them to every watchdog agency I can find.


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I sent your shop and then you can company so I realize I was being ripped off by Comenity Bank. I noticed that I started to receive high interest on items that I no longer even owned. I would shop in the stores without trying on clothing and when I got home if something doesn’t fit or if a gift I bought for someone didn’t pan out right I will return it. However many times I reviewed my statement and it seems that I was being charged interest on items that I no longer had or returned. I opened up an investigation with the Better Business Bureau and guess what they ended up telling me that all charges and fees were related to the charges on the account. No one in their response team will break down the actual fees related to a particular purchase. I decided I had enough and I asked for my account to be closed. At the time of closing my account I had a 1300 credit limit and I had used 800 of it.


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I received a pre-approval from Caesars Rewards Visa.. A Comenity Bank issued card. I decided to accept, and received a $7,000 limit. They sent the card and I have about 2,000 charged on it. First payment made today (9/3/19) They have closed the account! They said I have too many inquiries on my credit (5 in the last two years). Terrible company, would not ever recommend!!! The same inquiries were on my credit when they issued the card!! I now see this is their game, they apparently do this to a LOT of people. Wish I had done better research before accepting. DO NOT DO BUSINESS WITH THIS BANK!!!! I have 100% on time payments on my credit, have no collections, etc. Should be illegal for them to harm peoples credit!


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This company offers 0%, but then arranges the promotional rate to end short of the due date of the last billing cycle and does so extremely deceptively. They have other lawsuits listed. Do not get a card through this company.


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I have a Comenity Visa with both Eddie Bauer and Williams Sonoma. I have had issues with password recognition and Comenity's log-on experience for both vendors. Recently I signed up for autopay as I travel and wanted to ensure no payment was missed. Comenity then applied a payment on my account though no statement had been generated. On inquiry, Comenity stated that when I signed up for Autopay they advised me of the date they would withdraw first Autopay. Silly me, I had thought the first Autopay would follow the statement and be in accord with the end of the billing cycle. This is BAD business practice and is Comenity's way of gathering in payments before they are even due. I will be cancelling both the Eddie Bauer Visa and Williams Sonoma Visa.


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What this bank is doing should be illegal! I have 5 Department Store Cards from these crooks - Children's Place, GameStop, Williams Sonoma, NY & Co... One month they said my payment didn't go through for 2 accounts because I "didn't have a valid Bank Account". I do and I use it daily. After spending a week hearing ridiculous excuses from their uneducated employees I just paid the late fees and moved on. Then they wouldn't let me use my bank account as a punishment for 3 months. After 3 months, it never fixed and I'm still using the alternate bank account.


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I’ve had a Victoria's Secret card for a few years now. I’ve always tried to pay on time except for one time when I forgot to make my payment. My payment is due on the 16th. My last payment I made on the 16th at 5:47 pm Pacific time. Is it not still the 16th somewhere in America? I not only made my payment, I paid off the balance. Today I checked my email and there was a message saying I owed $30.00. I was shocked and confused, I thought this could not be. I paid off my entire balance on the due date. 


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I attempted to reduce my monthly payments because of my reduced income. Every other company was willing to work with me to reduce my monthly payments as I am unemployed and caring for my husband, who is disabled, and my son, who is a disabled veteran. I attempted to use the Account Assure and they denied me those benefits despite the fact that I paid into them. Comenity employees harass you, they barrage you with collection calls, and they do not leave you alone. Further, they pass along excessive late fees and interest, even when you make a payment. If you call Pier 1 they say they have nothing to do with the financing company. That is absurd; they use Comenity to do their dirty work. In addition, the customer service leaves you on hold for hours and they will not work with you.


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We have owned this MC card through BJ's Club for many years. All our purchases at BJ's and some automated monthly payments to a few other companies are always paid off in full every month. This card has occasionally been used to make a single non-recurring payment to other entities too. Never had any problem with the number of charges or payments until now. Suddenly we received an email announcing that the automated payment to OOMA, a phone company, had been cancelled. No reason given. We followed up with our own email requesting an explanation. We received the following "There have been multiple payments/credits and/or purchases posting to your account in a certain period of time. Because of this, we may not authorize your transactions today. This is a fraud prevention measure in order to protect your account."


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I was charged late fees when I submitted my payment on time. I didn't have auto-pay enabled, however I submitted my payment before the deadline. However, I guess they charge late fees depending upon the final processing date. So you might have a payment due date of the 1st every month. If you submit the payment at 10am on the 1st and they decide to process it on the 2nd. They charge you a late fee I guess. It is truly ridiculous.


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Initially, I have had a good experience with Comenity up until now. I had been trying to establish and improve my credit and Comenity had approved me and gave me a line of credit. Then they kept approving me card after card Wayfair, FullBeauty, Old Navy, Overstock, Williams Sonoma. I paid all my cards on time and paid off my balances. I took a break on shopping for a while cause I did not want to get in over my head. One day I received a letter from Comenity saying they were lowering my credit line on of my cards. They didn't provide a specific reason. I don't see why they did that. Most of my cards were paid off and the two that I still am paying off are in good standing. 


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Contacted by this bank regarding fraud on my account. Called the number they left to contact (given wrong number). Called 4 times. On hold over 25 min. Each time had to wait until I got home from work and find another card so I could be switched to their fraud department then on hold 28:23 min. Rude rude rude staff. No answers to why I couldn't get thru or why their automated system wasn't working. Sorry sorry sorry. Don't know don't know don't know. Must be what they teach their staff to say!!!! I Immediately closed my Card. Worst customer service I've ever experienced!!!!


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Absolutely horrid experience. If you don't want to hand over your banking information and you mail in your payments they will always be marked late (Add in a "finance charge fee and a "late fee") and if you pay in store, the part time high school staffer doesn't know what to do with your check you wrote so feel comfortable handing that over to also be processed "late". There goes another late fee and finance charge. When you call to dispute, you end up on the phone with some rep who obviously hates people and argues at length with you even when you are being reasonable and patient. I cannot believe they are in business. I returned my products, am still disputing their charges because they have ALONE made my credit drop over 100points in a month with this sneaky trick. Unbelievable scam. RUN FAR AWAY. Buy online from outlets not through this crap. So not worth it.


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Like everyone else here, I would assign ZERO stars if that was possible. I signed up for a few services as Ideal Image which at that time was going thru Comenity for financing. My total service fees were about 4K. I set up autopay and as of last year at this time, my balance was under 1K. Upon seeing a payment to them today, I happened to open it, thinking "shouldn't we be close to being paid off?" Lo and Behold, without ever stepping foot in Ideal Image in 3 years or incurring any services whatsoever, according to them I now owe them 2,300.00!


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All of my Comenity credit cards were closed, or credit SIGNIFICANTLY reduced! ALL accounts ARE in EXCELLENT STANDING!!! This is happening to EVERYONE! Comenity has acquired NEW cards, Carters/Oshkosh and Sephora&Sephora Mastercard. Looks like they're freeing up their debt in order to secure other vendors, at the consumer's expense. What a LOUSY way to treat your customers!!! And NO notifications!! Comenity you SUCK!!!! BIG TIME!!!


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I received a Meijer credit card through Comenity on July 23, 2019. I had not used the card at all yet when on August 3rd, I received a text asking me if I had made a purchase for $114, I responded no, I had not....long story short, they send phishing-like texts and send you a number to call that is nowhere on the site. I called the number on the card and all they could tell me is that it was used in Waterford, MI (I live in Southern Ohio) and that I could file a fraud claim. Then I found out that 2 transactions went through, I was told they would flag them and would send me fraud paperwork to fill out. It is now 8 days later, I have no paperwork and the charges are still on my account and I still haven't used the card.


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On 11/28/2018, I received a letter from a company, Comenity Capital Bank, stating that a Big Lots credit card account revealed potential security concerns and/or irregular credit card transactions. (see attached) I immediately called the company Comenity Capital Bank and informed them that I do not have a Big Lots credit card and never have and that my name is not the same as on the account listed on the letter and they stated that they would investigate for fraud. In a few weeks following this, I then started receiving harassing phone calls from the same company, Comenity Capital Bank, at least once a week stating that I needed to pay this balance. I each time told the company that this was NOT MY ACCOUNT and I did not have a Big Lots credit card and even spoke with someone in their fraud department to verify that the name and the ss # on the account was NOT mine...so they said they would stop calling me.


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I was a little nervous due to some of the ratings, but decided to give it a go. Very easy to open and fund the HYSA. When I wanted to withdraw from my account I was not able to figure out the confirmation required, so I called Customer Service. In conflict with some of the reviews, I was very pleased with the experience. The agent was able to walk me through the procedure and the funds were successfully posted to my bank account the next business day. Very pleased with the terms and rates with Comenity Direct and I am very comfortable recommending it.


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I do not know where to begin. Comenity Bank is the closest thing to a fraudulent bank that tricks their consumers with their 12 month or 6 month promotional offers and then without any compromise charges people full interest on those 12 months. I bought an engagement ring on July 12, 2018. It is the day of the purchase apparently when the finance promotional offer starts. However, the customer representative at Blue Nile and Customer Service Associate at Comenity failed to clarify the information. I did not receive my credit card on time (which you are supposed to use to activate your credit card and account to start payment). I did not receive my card the first two months since they mailed it to the wrong address. 


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We have 6 accounts that Comenity services. They are terrible at reconciling issues. We have been going back and forth since May with them and it is now August and no results. Once our acct is paid off we will NEVER use them again. Our checking acct had a hold on it due to a large deposit which unfortunately returned a payment to Comenity. We have sent them letters from our bank and are still not able to utilize our acct for payments. We have to call in every month and they have to override the error in their system for our payment. They had the nerve to tell us we could just go and open up a new checking account. I told them no that they can just fix their issue. Surely we are not the first customer to have a payment returned. It's totally ridiculous to cease all payments from an account just because of one returned payment that wasn't even due to insufficient funds but because of a hold. Terrible terrible company.


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I purchased an engagement ring through Kay Jewelers, opting to get credit card through this bank not knowing they just had changed creditors, found that out after the fact.... The first 3 months they screwed up my payments with 1 year no interest. Until they could correct the issue, I had to pay the going interest rate at 29%....RIDICULOUS! I had to pay damn near $650 a month. Luckily I was blessed with the funds to pay this card off immediately. Now if I see anything associated with this bank, I run the other way! Don’t do it!!!!


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I purchased a wedding ring through Comenity and Jared. They offered the 12-month interest free program, but automatically billed me on a different day than my ring's purchase date. Therefore, my last payment was a few days after that 12 months "matured", and I was charged all of the interest that was foregone with the deal. DO NOT WORK WITH THIS BANK.


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I had 5 credit cards with Comenity, 3 of which I paid off in full (Overstock $1000, Pier 1 $800 and Carsons $900.00). I had excellent monthly payments on all of them and the available balance was the credit limit, yet Comenity closed all of them. The other credit cards I had with Comenity, as I paid down, they decreased my limit to what was owed (Venus $500 now 200 and HSN $1000 now $200). I have been trying to build my credit score for a major purchase but cannot build each month they make my debt to income ratio higher due to decreasing the credit limit to what is owed (ie, credit limit of $500 owe 240 decreased limit to 300 now debt to income ratio at 80%) and this has been going on for months. What can I do to stop the madness, this should be illegal. I want legal help against this company!!! How do I shut Comenity down? They are destroying credit for good payors like myself.


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Like others have said, their online banking system is horrible. It is not user-friendly at all and is unintuitive. But more importantly, it did not credit me for interest earned for the month of July. I already contacted the BBB. I’m not certain what is going on with this bank but my recommendation would be to avoid them at all costs.


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I have a Victoria's Secret and Ulta card through Comenity; I can't say that I have had any issues with my cards as of yet. I applied for Wayfair Credit and I received a letter to call with more information, there has been a hang-up with the credit bureaus since I recently changed my telephone number. I HAVE BEEN ON HOLD FOR ALMOST 2 HOURS TODAY TRYING TO SPEAK TO SOMEONE! The experience has left a bad taste in my mouth, if you want people's business the absolute least you can do is answer the damn phone.


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Please be aware of their online payment site. It is not user-friendly and it is hard to enter bank information. I feel that it is set up like this purposely so they can charge more fees. It's best to pay it on the phone or go onto the store. I apparently typed my bank account number incorrectly and the check was returned, so they put a 90 day hold on my account plus charged me a $28.00 fee that they say they cannot give you a courtesy reversal. Very poor inconsiderate customer service. I think this bank has a scam going on with this online payment option and making money off of people that don't have the account number entered correctly. The customer service representative even told me they see this error all the time and there is nothing they can do about it; it is still a returned check.


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The online banking site is poorly organized. No way to add or change beneficiaries online. You have to call customer service for everything. The online messaging is a joke. They advertise they will respond in the next business day, but they never do. Takes over a week to get an answer and often they just don't answer. Calling on the phone is another adventure. It takes forever to get anybody on the phone. The wait time is so long that you have to give up. The advertised rate on saving is good, but with such a bad service it is not worth the efforts. I recently opened A Comenity Direct bank savings account, but given the experience I'll be closing it up soon.


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Which credit card company does not have the ability to allow consumers to setup automatic payments, and then offer paperless billing, and then hesitate to waive late fees because THEY didn't have the ability to allow automatic payments?? Comenity. They are SO designed to cheat people out of their hard earned money.


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I established a line of credit with 12 months of free interest. The bank will send you a 1st statement with the payment divided by 12 month so you think that you are actually paying everything accordingly but they fail to tell you that the time of payoff begins right when you open the account. They should divide the balance by 11 not by 12 because in the end you will be late and get hit with the full interests for the past 12 month. They are deceiving and is definitely set up to make money for the bank.


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I got a line of credit with 0% financing. It states all payments must be on time. I have excellent credit and a perfect payment history. First off when I got my bill there was no account # on the bill. Was told it was on a letter I was sent, found it finally. Said it was not there for my security. All my bills have account #s on them. Second I was told they don't do automatic withdrawals so now there would be no way in telling if a payment got there in time and as I quickly found out my fears were warranted. 


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First time buy in Ikea store was a good experience. I was offered a 6 months no interest credit card. I decided to applied. I made $500.00 purchased. My intention was to paid off the account before 6 months due date. My purchase date was June 14 2019, on July 1 2019, made $100 dollars payment. Never got a notification that their system was down and couldn’t get my payment to my bank. 


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I was issued a refund on 07/11/19 by Wayfair. Comenity bank is stating they don't see the refund?? This is the exact thing they did to me with my Forever 21 account that was actually fraudulently used. This is their way of holding your money and now an engineering team from Wayfair has to work on getting my refund issued. Comenity Bank should be out of business for the devious and corrupt ways they treat the consumers. I am on a limited income and they are messing with my credit. Stay away from this scamming bank.


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First off, I've read all of the negative reviews and it's the card holder's fault and not Comenity. If you are on top of your bills, and pay them on time every month whether it's minimum, partial, or PIF they will treat you very well, give CLI's, and you won't have late fees. It is sent with the card in print stating the fees and due dates. If you are two days late, you will get a late fee. That's not Comenity's fault. If you don't like the fees and/or interest rates, DO NOT use the card and they will close the account like it was never even opened. 


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I have a credit balance. I called and was told it would be 5 working days to have credited to my checking account. After this I called, and said it could be 2 weeks. I will keep the acct open to get my bonus in February. Then it will be closed, and never ever use them again. Ready to report to the dept of Banking.


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I applied for a Ulta Rewards MasterCard and I was approved for $1000. It took more than the 7 to 10 business days to receive the card. When I finally receive it I take my daughter to Ulta so that she can buy something as well as myself. Then bought a couple more things someone else making my spending purchases of $385.15. I was not going to use the credit card until I paid the full balance. I receive an alert from Experian stating this account was closed by the bank after a few weeks. I called and no one communicated why, but that I would receive a letter.


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Just like others, I accepted their credit offer. With FICO score of excellent I received limit over $10,000.00. I liked the way they display pending transactions, and decided to use this card for my business. As soon as the charges totaled substantial amount, they closed my account without reason hence adversely affecting my credit utilization. I paid the balance immediately, and they couldn't do much damage to my credit. Nevertheless I take exception to the fact that time, and time again, despite my multiple requests, they will not provide me with the source of information that prompted closing my account.


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I was approved for an Ultamate Rewards MasterCard with a CL of $1,500. I thought that was fine and waited patiently for the card, which took a while to get to me but showed up as a new account on my credit reports. I went to go activate the card, which went through fine, and to my surprise it said I had no available credit. I thought it was a glitch, so I went ahead and tried to use it on the small purchase I already intended for it. Wasn't working, so I gave up. A couple days later it showed up on my credit report as a closed account and that they closed it.


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As far as collections go, they're definitely not the worst company I've ever dealt with. However they do have a tendency to talk over you. They'll ask you questions or give out ideas and how to help get it paid and if you try to respond they will completely interrupt you repeatedly over and over. The tone of customer service overall isn't terrible. But they're not super understanding. I battled cancer and having to move for medical reasons and the loss of my job over it sent me way behind, and they kept offering me a hardship program but with that I had to make a payment that to them was low but I just didn't have it. So I never qualified for this hardship program because I literally cannot afford to make the initial $20 payment when they needed me to make it. What I need is for them to set me up on something that can push my payments out a couple months so I could have it planned. They just made it really hard. 


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BUYER BEWARE! This is a scam. The bank puts the pay off date much earlier than your payment date and unless you read the fine print to find this, you are going to end up making your last payment later than the pay off date. Then they charge you the full interest on 18 months because you did not pay by the due date. This is what happened to us. We are encouraging our Dental Clinic to stop using this plan as it is definitely set up to make money for the bank.


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I called to make a payment on my Dental First credit card. Followed the prompts on the automated system. Entered my social security number 3x and I was connected to a representative “Mark”. Said, "the system doesn’t recognize your social because of a zero balance"! I Owe $2100.00 at the time. I said, "how is this possible?" “Mark” said, "you have a 0 balance." I said, "when will the account show a 0 balance." he said, "July’s statement!" I said, "Ok!" So it’s July the 2nd I received my July statement and now I owe $27 and for a late fee and the past due of $75 and & July’s payment of $75 on the 19th! I called and there is no recording of my call on the 19th. I spoke with a supervisor and she said she can’t do anything for me because the call wasn’t recorded!??? Before I hung up on the ** I said, "Comenity Bank can kiss my **!"


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In August 2018, I received a letter from Comenity Bank advising that I could sign up for e-mail and text alerts for charges made to my B.J.’s World Mastercard credit card account. Up until this time, this credit card was the only one I had that did not offer this service. I attempted to sign up for these alerts but every time I tried, I got an error message that said, “We’re sorry. A technical glitch occurred and your request could not be completed. Please try again.” I tried setting different dollar amounts for the alerts; tried requesting only e-mail alerts and then only text alerts; a combination of the two; tried different web browsers; cleared the cache in between requests; and, even tried different computers in the house, including a Macbook, but still got the same error message.


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Do not use Comenity Bank's credit card. We made a purchase from Arhaus (love the furniture there - this is not a ding against Arhaus) and used the 0% financing option through Comenity. They did not explain the terms of the payment plan well and we paid it off, in accordance with our obligation, within 6 months. Nevertheless, because we paid it off 2 days after 6 months from the actual purchase date, but within the 6 month period and billing date, which we had understood to be the relevant date, we were charged 100% of the interest from the original purchase. Our final payment outstanding payment as of that date was less than the interest that they ended up charging us on the entire thing. The bank was completely unwilling to work with us and their emails and website made no indication that this was the requirement. NEVER EVER finance or borrow or work with Comenity.


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I am very careful with my only credit card. Last June 2018, a Victoria's Secret Associate "tricked" me into their Angel Card, stating that if I sign up for this card I would get a discount. They did Not mention it was a credit card and the remainder amount of my purchase would go in that card. I never used the card or even activated it. 4 months later I see 100s of dollars amount pending. I paid it off right away asking my account to be closed. The incompetent staff at both these organizations made no efforts to help me with the dispute and kept asking for payments only. The result is my CREDIT HISTORY IS DESTROYED!!! I am unable to get credit cards or rent an apartment because of this. And even now they keep reverting you to write letters for this matter at their PO Box which will never get responded back to. Am sure I am not the only one they have scammed this way.


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I opened a CD account over two months ago. I noticed the funds had not been taken from my bank account, so I sent them multiple messages over the last month to try to get an answer as to what was going on with this, and I have received ZERO reply from them. Their message system specifically says 'we'll get back to you shortly' when you send them a message, but this is a flat out lie. I am left not knowing if the money is suddenly going to be removed from my bank account months after it should have been, or if I can use the funds for something else. I was expecting to be earning interest this whole time, but I am just left completely hanging by this company.


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I have had many issues with this credit card. I originally opened it up to use at Express stores. They change your due date without telling you and send a letter 60 days later. DON'T USE THIS BANK!!!! THEN CHARGE YOU A $30 LATE FEE!!!! DON'T USE THIS BANK!!!!


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Comenity regularly, deliberately (it's happened far, far too often to be mere incompetence...), misapplies my payments. By that I mean they apply my payments in ways other than as described in their card-member agreement and/or as I've requested during phone calls with their reps. Over the past almost 6 years I've had to get on the phone with them more than 6 times a year. Here's their trick - they offer very attractive 0% balance transfers with 3% one-time charge for more than 12 months, but rather than applying payments [IMPORTANT! AFTER any excess of the minimum payment. Learned THAT lesson the hard way...] to the balance with the highest APR they'll apply it to the LOWEST APR, which of course benefits them (and is fraud!).


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I read about this bank on Bankrate.com with good interest rates for savings and CDs. The process to open a savings was pretty easy but website is clunky by comparison to other online banks. A few weeks later I attempted to open a one year CD using my same checking acct. and it went downhill from there. Before the CD was funded they said they need to do micro deposits from my checking acct (same acct I funded my saving with). What is wrong with these people? After a week no micro deposits...no transfer, no email, no phone no letter nothing. The CD acct disappeared from the website no explanation. I called and no clue why it happened. I asked to close my acct as I can't transfer money from savings. Two days so far and still waiting. Terrible Banking experience. Steer Clear of this so called Bank.


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COMENITY does not deserve any star..... Don’t trust that 18 months no interest program, it’s a hook… We're so happy when Overstock offers 18 months no interest when made my purchase of Massage Chair. Received my bill from COMENITY - Overstock.com. Had set up a payment schedule to pay $101.00 every month of my $1,837.95 since the purchase made on Nov 2017. As of May 30, 2019 paid the remaining balance of $120.95 before the statement due date of June 4, 2019. Received the final statement, expecting $0 balance, but $434.83 instead for interest. 


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They do not post payments or transactions and charge a service fee that is unfair. They sent me the same response over and over about the charge like it's from a computer. I never know what my true balance is. I will never use them again.


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Through the computer system I made a payment in full for the payoff balance. Three months later I receive a phone call that I am past due on my bill. They added interest and fees. As a customer, the pay off balance should equal the pay off balance. These scammers just lost me over $17 in interest and $50 in fees. Rip off.


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They don't even deserve the 1 star, I would like to give them a negative number. I pay my bills timely online and did not received any notification that 12 month promotion is expiring, and now I am being charged with their high interest rate for the entire amount. I have tried to communicate with their customer service team several times, and they always have the same generic copy and paste answer. They will never get my business again due to lack of transparency and robotic customer service.


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I AM PISSED!!!! Sorry, but I am fight texting right now and my explanation may jump everywhere but I hope everyone who reads this will get my point. I have been a loyal customer with NY & CO for 3 years and never missed a payment. I have received 2 credit limits since 2016. As of April 17 2019, I sent a payment (oops used the wrong account) so I immediately paid it without any late fees but later I checked my credit and it says account closed, WHAT! I called customer service. They informed me my account still active and I need to file dispute with credit bureau. Ok! So I did.


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I opened an account in March and didn't receive a paper bill until May 10 and already they had started charging a late fee. Since I was out of the country until the end of May (at which time they slapped on another late fee!) I now had a bill for three times the amount of my $20 purchase. I called and immediately paid the amount in full and cancelled the card. Then today, I get a letter recognizing the fact that I closed my account and had a current balance of $68.12!!?? Of course when I call, my balance is $0. Comenity Bank is totally irresponsible when it comes to billing and statements. I always pay my bills on time and this is very frustrating to me. Victoria's Secret, don't ever count on me to get one of your credit cards and I'm not sure I can even bring myself to shopping there again. Please get yourself a different system.


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This is what I went through with my Ann Taylor Loft store card, which I hardly used as is. My account was stolen and maxed out. It turns out that in order to use one of these cards in a store, is walk in there with your name and phone number, and pretend they forgot the card. They do not ask for an ID or anything - or at least so I was told when I reported the fraud. That is how seriously Comenity and Ann Taylor take security.


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After researching high yield savings accounts and seeing Comenity Direct's High Yield Savings Account 2.48% APY product advertised on a number of financial websites (e.g., Bankrate.com, Financialmentor.com, Magnifymoney.com, etc.) with terms that sound right for me, I apply using their online website application. I input my personal information - name, address, social security number. I come to a page from which I can choose the bank I want to transfer money from to fund my Comenity savings account as you need $100 minimum to open the account, and I select one of my other banks inputting my user ID and password for my other bank account (a nationally known bank) and then after ALL that, I get a screen that says they are unable to approve me for a Comenity Direct high-yield savings account. WHAT?!? 


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While my overall experience with Comenity has been neutral, the bank has a strange business practice that potential customers should be aware of. When, for whatever reason, the bank suspends the account (questionable transactions, security concerns, etc) the policy of the bank is to NOT alert the account owner or customer (i.e., no text message, no email, no call). The customer only finds out there's a problem when the card is denied by the merchant. This can be embarrassing and certainly not a good customer experience. Repeated attempts to get resolution to this complaint have not been successful. I filed a complaint with BBB where I discovered the bank has the lowest rating "F". Clearly something's wrong with Comenity's management.


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Comenity charged me 1900 dollars in deferred interest. I never received a statement, courtesy letter... Absolutely nothing. I called a few months prior to the charge to have my address updated. Of course the manager claims there are no records of me calling requesting paper statement and address updates. I paid my remaining $652 remaining the day I found out which was exactly one month after the charge. I would like to see these criminals see justice. I have excellent credit and always pay my bills. I use Comenity for my Victoria’s Secret card as well. I will be closing that account. They have lost my business and trust.


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I successfully opened a savings account but when I tried to add a CD account, I kept getting denied, which is really strange since I have a credit score of 830. Even then, this is a CD and not a credit card so why would you deny a CD account? I called their 800 number but that number is only for the credit card department. They tried to route me to the savings department, but I was routed back to the exact same 800 number. It's like the savings department does not exist! So I tried to email them and contact them online, only to have really slow response, and someone promising me they will call me when they didn't. Something fishy is going on and I might have to pull out all my savings from the account I just opened, and run.


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Comenity Bank has a decidedly anti-disabled attitude. They claim they treat all their customers "fairly and equally", which is ableist rhetoric; it's like telling someone that since some people don't need a wheelchair or a hearing aid, nobody should use one at all so it can be "fair and equal". They would rather disabled people drag themselves around on the ground so that things are "fair and equal". These kind of ableist company policies are disgusting.


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Will someone please tell me how to get in touch with corporate. I have experienced every single concern. Something has to be done. I'm in fear that if I pay them and close them I could hurt my credit score only to find out yesterday that one my paid accounts had been closed due to inactivity. This Comenity bank can't get away with this, my FICO score has dropped 15 points dealing with this mess. Someone please help and post about so that we can help everyone else.


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Tried to open a saving account and was denied. Contacted the bank for an explanation (required by law by the way) and was told they did not have to explain anything at all. No idea how someone can be denied opening a saving account. Opened with Citi the very next day.


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I am in the process rebuilding my credit after a bankruptcy a few years ago. I opened accounts with a small limit with some different businesses that use Comenity (mostly fashion/retail). I have paid all payments on time and all of a sudden, they lowered my limits due to a temporary decline in my credit score due to an error that was taken care of. My score recovered after the error was taken care of but they used that one moment in time as an excuse to lower the ;limits on all the accounts that they service, which in turn caused my credit score to go down more. I am in the process of paying off and closing all Comenity serviced accounts. The Businesses (as well as Comenity) will be the ones to lose as they will not get my business anymore.


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This bank sets you up to fail. They provide you the minimum payment, which goes down every month. So you pay it on time, every month, thinking you are on target. Nope, this predatory bank is depending on you having a balance at the end, so they can charge you INSANE interest. 4000 bed set, added 2400 in interest?! They do not send an email or letter saying “Friendly reminder your promotional time is nearing an end!”s. Just a little line item in small print on the last page of your statement.


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I have a few different Comenity Bank card from various stores. While most have auto pay, New York & Company does not. Every month I go in and set the payment to pay off the balance. SOMEHOW last month it didn't take. I called to get the $27 late fee reversed, and they said they only do that once every 18 months. I told them in 2019, there is NO REASON any company shouldn't have auto pay. They told me that New York & Company OPTED OUT of auto pay. So yes I will be doing a review for them next.


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Purchased a watch in the Bahamas at Little Switzerland with 24 months FREE FINANCING and made every payment on time. Made my last payment on the day I made all my other payments & had a zero balance. Comenity charged me $3921.94 interest!!! I called and they told me the last payment was due early and there is no way to reverse the charge. What a SCAM. BEWARE!


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Hello. Comenity Bank needs to be investigated on the many complaints I see here. I myself need to post this issue I see. For some reason I seem to be Comenity's bank target. They own Pier 1 and Express stores' credit accounts for charge cards. Even though my account has maintain a good standing of repayment history and usage. I have begun shopping for a home loan and all of a sudden this (Comenity Bank) decides to issue a report of decrease credit that put me in a immediate disadvantage with a drop in my credit score. 


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I have recently opened C21 dept store credit card without knowing that is it issued by Comenity Capital Bank. I regret my decision now. They charged me returned payment fee for the payment that I have made through my bank saying that it was my bank's fault. I explained them that my bank never stopped the payment and it must have been an error. Comenity Capital Bank manager, who is very rude and disrespectful informed me that they will not return any fees, because it's company's policy. They think they can get away with anything. Scam artists work on this bank. Stay away from them!!!


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I'm a victim of identity theft. It's stated in my EQ and TU credit report but EX failed to report it. I have a police report and all. I have a 100% pay history! They dropped my CL $3000 to $900! No call or warning!That tanked my scores! I called Comenity but it was of no concern to them. They refused to pull my other bureau reports or take my perfect history into consideration. They were rude and treated me like I deserved it and I had done something wrong. The only reason I got the $900 was because my balance was $850. I closed my account and told them what to do with that $900.


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I applied for a Goody's credit card and used it same day. I had forgotten about it until 90 days later when I received a statement. I paid it in full, hefty finance charges and all. I then received another late fee. I called them and explained that I had paid it and they waived the fee....or so they told me. Two months later I get another statement showing 3 months worth of late fees and finance charges.


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COMENITY CAPITAL BANK is the ONLY credit card company that doesn't provide automatic recurring payments. Any payment after 8 PM eastern time on the due date is flagged as late & a $38 late fee payment gets posted to your account. You can't get the late fee reversed, even if you were 1 minute past 8 PM eastern or 5 PM western. This is a deceptive business model they have. Imagine just 1% of a million customers make this mistake every month. That's 380K in late fees they collect every month! Now, I'm assuming they have more than 1 million customers, so you could imagine how much money they STEAL from customers on an annual basis. Word of advice for COMENITY! Offer an automatic/recurring payment system LIKE EVERY OTHER CREDIT CARD COMPANY & STOP TREATING YOUR CUSTOMERS like the piggy banks.


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I have no idea where this account came from, and have no affiliation with them at all. Showed up on my credit report and they repeatedly call me saying I owe them money, but won't explain why or where it came from. Worst customer service ever.


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If I would of known when I opened my credit card with David's Bridal I would have this terrible of an experience, I never would of opened my account. I paid for an $800 wedding dress with this credit card. Then when I made my final payment of $120, they "sent my payment back" and charged me a $30 late fee, and a $50 payment processing fee. Which was impossible to be late because I had made my payments 5-7 days earlier than when they were due.


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I have a Gardner-White credit card through this bank. I was making monthly payments for my purchase, actually much earlier than the due date because it worked out better for me that way. Last month, I a made an early payment, and I didn't realize that the last statement period had not closed yet (it was the last day before closing). When my due date came around, I still owed the minimum balance, even though I thought my early payment would apply on this statement due date. I was charged a hefty late fee and interest charge. 


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Comenity Bank sets up what they call an 'automatic payment' process which is, in fact, a manual process. Comenity is falsely claiming an automatic set-up, when in fact the consumer must manage the payment to ensure it is not late. They are not customer oriented, and probably make a lot of money on late fees (and ruin a lot of Credit Ratings) as a result. Be careful!


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Opened a Bed, Bath and Beyond CC through this bank 2 months ago. They did not process my on-time payment until after the due date so they could charge me a late fee. When I called customer service, they tried to blame my bank. They waived most of the late fee, but not all. I then made another payment for the entire balance. I tried to use my card online and it was declined. I called Comenity back and was told that I was being punished for my late payment and was not allowed to use my card for a month. What?!? Am I in kindergarten? Horrible customer service to say the least. DO NOT OPEN ANY ACCOUNTS WITH COMENITY BANK!! They are crooks. Closed my account. This review made me give a star to process my story. I give them zero stars.


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I have 4 store cards with Comenity and at first I was very grateful for them taking a chance on me and helping me to build my credit, despite the ridiculous interest rates. (I have seen worse.) I've had my cards for up to a year. (I didn't get them all at once.) Everything was great until I made a purchase with one card and realized I was over my limit. The purchase was about 25% of the available limit I'd had. I contacted them to find out why they'd decreased my limit and they said "something on your credit report". Nothing had changed on my credit report other than credit card usage (their cards). I told them I'd been using my cards for months and ALWAYS made my payments on time if not early. They apologized for the inconvenience and that was the end of it. Ok. Whatever, right? 


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Please DO NOT OPEN or get any credit cards from ANY stores that use this bank!!! Poor customer service, didn't send my credit card or bill on time and THEY just keep adding late fees even though I called several times explaining that I did not receive a bill or my card card. POOR customer service, still having a hard time trying to cancel this credit card I got via Ann Taylor. Never USING or shopping at Ann Taylor, they were not helpful when I called them either.


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Unfortunately when I signed up for this CC I didn't know it was through Comenity otherwise I wouldn't have. They screwed me over when I tried to make a payment over the phone with them so I learned to never do that again. Fast forward, stuck with them again. I'm trying to get my card registered online, I've been waiting for my card to come in the mail, never came. Asked for them to send it again. Never came. Asked them to give me my account # over the phone. They said I had to go to a store. I'm nowhere near a store so I called them and they said they wouldn't be able to give me my account in the store anyways. Not trustworthy. I will only make my payments on-line because there is proof of transaction. DO NOT TRUST THEM!!!


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They take my payment. It shows pending through my bank, but before it’s processed they withdraw. Then charge me a late fee and say it’s on my end with my bank. So I just paid full amount next month to cancel out account. But again they withdrew before payment is processed. Guess what another late fee. I’m now figuring out that since it’s 6 months no interest. They want to stretch this out as long as possible. So they can start charging me late fees AND interest!!!


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I have Comenity bank credit card and I set up on automatic payments that are sent out 5 days BEFORE they are due. They routinely charge $38 for late fees because they are saying they can't control the mail. When I asked to speak to the processing department they said that department doesn't receive phone calls. How convenient!!! Every month my payment is process 3 to 10 late so they can charge the fee. Big time scam artists!


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All of my credit cards at this company are all in good standing and even got a credit increase. I didn’t use the card for a little while, when I was about to make a purchase and checked my available credit, my credit was decreased. I called them the next day to find an explanation why. The Customer Rep couldn’t give me an answer, she kept saying that corporate decided it and I will get a letter to let me know. I asked if I had a late payment and she said no. I know for fact I did not because I checked my credit to make sure before calling them. 


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No one ever told me when I signed up for this card that I would have to drive over 100 miles every month to make payments. It was never in any of the paperwork that I had to have a bank account to make payments. (Which I do not and will not.) The closest Lane Bryant to me is over an hour away, and it has been a nightmare for me trying make these payments every month. The fact that you don't accept debit cards for online payments and then charge a $10 fee to do a phone payment is ridiculous and stupid.


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I applied for an AKC Visa card, was accepted, received a bunch of letters from them, finally activated the card, and then got another letter saying they'd closed it because there had been too many inquiries on my credit report in the past whatever period of time. I just moved, bought a house, and shuffled around my finances, but I still have a credit score of over 750. I make over $150,000 a year and am single with no children. These people are morons and do not honor their commitments to customers or even do what's in their own best financial interest.


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I've never dealt with an organization with worse customer service. As a former Director of Customer Service, I can authoritatively state that either they have total disregard for the customer or are just idiots. I applied for a pre-approved card. It was rejected because the address on the preapproval didn't match the application, however it did match the credit report they pulled. OK, so I applied again, not preapproved. Rejected because it was the second time I applied in 30 days. Doesn't anyone read and understand that their first error resulted in the second one. But wait. It gets better. I wrote a complaint via their web site...which was rejected because....I don't have an account!!! With an 840 FICO score, this should have been a no-brainer. And apparently those are the people Comenity hires. Avoid them.


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I agree with the review that stated they hold payments and process a day later. But I am being charged a 38.00 late fee on 3/20/19 when my 200.00 payment was posted on 3/11/19. Bank is crooked and I am canceling card and will not shop from Wayfair.


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I have many accounts with this bank. It's the biggest mistake I ever made in my life. After reading all the reviews, sadly I have experienced the same problems. They ruined my perfect credit. Always reducing your credit limits for paying on time and so on. We should get together and file a class action lawsuit. To top it off my debit card was hacked by one of there employees.


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I had a one thousand dollar limit on my credit card. They send emails when my statement is ready....sometimes. Received no email and I thought it was odd so logged into my account. Found out I was charged whatever I bought at Bealls, which makes sense PLUS a $15 late fee. Ok, I paid it even though I never received the email. Went to Bealls the next day, waited on line 20 minutes as it was senior day. I was rejected to use my card because it “didn’t clear yet” from the previous payment. So I closed my account with Bealls because I don’t need to be treated like a criminal due to the stupidity of Comenity Bank’s ridiculous laws. Really liked Bealls, but my interaction with their credit company leaves me no choice but to get as far away from them as possible.


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I sent my payment a week in advance. They charged me a $25 late fee and processed my payment the next day. Then, they charged INTEREST on a LATE FEE. It seems to me that they held off on processing my payment so they charged a fee. No help from customer service, only a comment that they don't have a "grace period". I just cancelled my account, including the VIP card I JUST received. Very deceptive practices.


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I had gotten two catalog credit cards back in 2016. My credit score at the time was around 470. I have been using my credit and paying it off as soon as I could and with all my hard work my credit score jumped to 579. Well last week I received two letters from Comenity Bank stating that because of my credit score they were cutting my lines credit down by half. How does an increase in my credit score mean that my line of credit needs to be cut?


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I choose to use Comenity because I like the perks of Loft. But, it's about to come to an end. I utilized a balance transfer check for 4k. My line of credit was 6k. I had no balance, and prepaid $1100.00 on my future balance. My intentions was to pay off in 4 months to avoid interest. I had several small bills that monthly draft: Internet, cell, car insurance and alarm. All were rejected due to COMENITY actions per managers >>>> "If a transfer check is used, we reduce your line of credit to 0.00 until the transaction is processed." WTF.. 1. You have not given me the $4000.00 yet, 2. I just paid 1100.00. 3. You would not allow my normal monthly drafts to be paid. 4. You just wipe out my line of credit without notice.. Who does that.


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I never receive notice of a payment due and always have to remember myself. I have called about this problem before and always get a snarky remark with no help. This month I forgot to make a payment and they are unwilling to help with late fee but will send my request to a supervisor. I'm paying off my balance now and will close the account once payment post.


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My credit limit was originally $600. I made a purchase of $60 and called to find out my due date. While on hold I learned that my NEW credit limit is now $100. I was SHOCKED, I asked the representative and she told me that it was in fact true. She told me that a letter was sent out a day before to inform me of the changes but the change had already been made. This is unacceptable, why would you guys change the amount before notifying your customers. This can have a major impact on people's credit score.


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I purchased a mountain bike in August of 2018 with the Trek credit card through Comenity Bank. My payment due date is the 10th of every month. I set up my payment through my bank's online bill pay. I set up my most recent payment to be sent on Feb 28th and received by March 7th. When I got my statement yesterday they charged me a late fee and it shows that my payment wasn't received until March 13th. This has been happening every month since my first payment in October 2018. They did waive one late fee but that was it. 


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I signed up for the Ulta card at the register. Made only 1 purchase that day. I paid the full amount via bank - even allowed an extra week before due date. Guess what? It took them 2 weeks to process. I called them and said - "You charged me a late fee but you took 2 weeks to process an electronic payment!" Lawan said to kick rocks, he didn't care. I cancelled the card promptly. Comenity needs to be investigated for their flagrant fees that they purposely cause.


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I opened an account and bought some merchandise online. I never got an account number. I set up electronic access (which still did not give me an account number) and was immediately locked out so I could not access it, either. I never received a paper bill. I got a phone call AFTER the account was past due for the payment date and a late fee was assessed to the account of $10 (mind you, I could still charge to the account through the online shopping site) and told them of my predicament. I paid more than the minimum payment and set up another payment well in excess of the minimum payment (4x, actually) and thought it good when I confirmed my email address, phone number, AND home address, and was assured that I would receive paper statements as well as confirmation when my payment went through. They did waive the late fee. Then, I waited. And waited. I never got a paper statement, nor did my payment go through. 


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In a phone call totaling over a half hour, Credit Card Service & Customer Representative Veronica (Agent # **) was not helpful whatsoever. I called around Noon MT to dispute ANOTHER charge on my account (I was incorrectly and inconveniently charged twice for the same purchase several weeks prior and already went through that nightmare once).


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I opened a Zales credit card with Comenity just about a year ago and I opened a Victoria's Secret card, just over two years ago with them as well. I have NEVER been late, and I have NEVER paid less than the minimum, AND I have never had a payment return. A couple of months they decreased my already small limit on my Zales card from $550 to $200 right after I paid the balance down to $196. Well, this makes my card look maxed out even though I've never maxed the card out with them. I paid the balance off a month later and closed the account. 


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Horrible experience! I had the worst experience with the supervisors at Loft/Comenity. I will start by saying that my credit score is 800, so I am very good at paying all my bills. I was late with my January 28th payment because my mom passed away on January 21st and I had to leave the country. Upon return I called the bank and asked them to waive the late fee in view of this unfortunate circumstance. I was told no because they already waived a late fee in November and can do that only once every 18 months. I asked to talk to a supervisor, his name was Marc, told me same thing. Asked to talk to somebody above him. He said nobody was available!!! I said I will wait on the phone until somebody will be.


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NEVER open a credit card with this company. They are unethical and use underhanded tactics so that they can charge you a late fee and finance charge which they refuse to remove even when you pay your entire balance. The people who work there are rude and unprofessional. Too bad both Victoria Secret/Pink and Ann Taylor/Loft both use this company. I have now closed both my store cards with them and no longer shop there.


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Purchased a credit card from Comenity Bank that was offered through “The Children’s Place” store in the Duluth Miller Mall in Minnesota for 30% off or so on first purchase. Never was billed until I received a bill five months later for four months of service charges. This cannot be legal. A $22.00 dollar charge turned into a $110.00 bill. I have the highest credit rating and owe not a red cent to anyone or any bank. How do you fight this? Buyer beware and ask first who offers the card and make sure you record all calls and email notifications which I never received. Stay away from Comenity Bank. We need to sue as a class action suit for fraudulent billing.


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My card was set up to for an automatic payment. They never took the payment. They will not refund $52.00 in late fees. I got a NY & Co credit card and buy a few hundred dollars worth of clothes and pay the card off. They did not take the payment in December. I paid the balance with the exception of the late fees in hopes that I would get my money back; they refuse to give me my money back. The customer services reps are very condescending. Jeff #** & Michelle #**, I believe are made up numbers because "Michelle" hesitated when giving me her ID. Ran me around in CIRCLES just basically making me look like a FOOL! I would never get a card from them and just because NY & Company uses them, I will not go back there!


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I have several cards through this bank, I was recently late on two cards hindsight and they refused to take the late fee off. I have never been late, always paid more than the minimum payment. They decided to reduced my credit limit, without a written letter. I was only notified once a purchased was declined. When I called to speak to a representative very rude and unprofessional. Another reason why I paid off all my cards through this bank and will continue to use my major credit card.


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I applied for a credit card and was denied stating the applicant is deceased, which I am oblivious not. When I researched with the Credit Bureau, they did not have a deceased indicator. My credit score is 830, so this company is questionable at best.


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This is a bad credit card company. They have exorbitant late fees and won’t waive them even if it is their fault. Customer service is very rude. Their online payment system is not very well maintained. I had a Comenity account closed and the online account is still open after 6 years. Not a secure company!


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Was on hold for more than 45 minutes to speak with a customer service agent. Even government services of shorter hold times. I applied for an account and didn't receive a confirmation because the website timed out. I wanted to know if my account was active or not.


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My husband and I stupidly financed my engagement ring through Zales/Comenity for a balance of $300. We have been prompt with our payment every single month, only being late once because we didn’t have an auto payment set up. Since then I have paid at least the minimum balance, but have noticed on my bank statement a mysterious $27 charge under their name that appears a couple of days after my payment is confirmed to have processed. It looks like a late fee, but doesn’t reflect on my Zales account statement, and it appears as though my bank rejects it every time thankfully.


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Where do I begin with this company? I financed my wife's wedding ring from Jared jeweler and Comenity Bank handles their financing. I sent them three individual money orders that were dated. They were for a period from September-December of 2018. Somehow they still charged me a late fee saying that I have to pay a bill every month. Really? I sent you the money BEFORE it was even due. They claim that since the payments came all in one month that it still left me on the hook for a minimum payment the following month. YOU HAVE GOT TO BE KIDDING!! Needless to say they never explained this "policy" beforehand. Comenity Bank is now the reason that I will think twice about doing business with Jared. Nothing is more unethical than forcing people to have to pay late fees.


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My Eddie Bauer bill was due on February 12. I sent my check for $160 on February 5. Now I have another bill that shows they haven’t processed my check and they’ve added a late fee and a finance charge. They also say that they can accept another check but they can’t credit back my finance charge and late fee. The fact that Eddie Bauer has chosen Comenity to manage their billing is now a disappointment and I will only use my Visa to make purchases there. My husband warned me not to open this card but it was a $50 savings. I am done opening credit cards for “savings.”


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Customer service agents have been calling my work number every hour and leaving harassing and threatening messages. I am well aware my account is one payment behind, which I am bringing current this week. I have never given permission to be reached at my work number. I have made several requests for them to not call my work number again but these have fallen on deaf ears.


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I purchased a couch through West Elm and financed it through Comenity credit card. They do not give you a automatic payment option, they do not let you schedule more than 2 payment in advance. Basically it is a system that forces you to end up being late and paying the FINANCE CHARGES. I just forgot to pay in time because normally I do everything in auto pay. Now I have 360$ of FINANCE CHARGES that I have already paid on top of the cost of the couch. Basically free money I am giving to Comenity. THIS IS FRAUD. THEY SHOULD PROVIDE CUSTOMERS WITH ALL TOOLS TO PAY IN TIME.


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My husband passed away suddenly in October 2018, and I did not know which of our mutual credit cards I could still use--that is, I did not know on which cards I was listed as only an "authorized user." As a result, I panicked. This was certainly not the happiest time in my life, and I was (and still am)grieving. I applied for numerous credit cards in my name alone, with the "Bed Bath and Beyond" card one of them. I paid all three small bills in full and on time--none were over $50. I found out that they permanently cancelled my card because of all the "inquiries" made by other credit card issuers, that resulted from my attempts to open credit cards in my name alone.


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I have been a customer for many years- No late payments, never over my credit limit. Recently I received alerts for my Experian credit report saying that ** account credit limit decreased (for about 6 accounts). Then I received a few letters in the mail that my Boscovs, Catherine's, Jessica London accounts have all been closed due to inactivity. This bank is ruining my credit. They have lowered my credit limits by thousands of dollars on the accounts that I use- making it look like my utilization has gone up, when it hasn't. The letters (that take forever to come) say that my credit score has changed. I monitor my credit closely and there have been no major changes (Experian, Transunion, or with Equifax) and when I sent their customer service proof that my credit score had no drastic changes, they invited me to reapply for the cards. I won't ever do business with them again.


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A company called Alliance Data has been calling me about a so-called "urgent matter" related to my Comenity Bank account since November 2018. I haven't used this card in at least 5 years. In fact, the card is still under my maiden name, because that's how long it's been since I've used it. I never updated it because I completely forgot I had this card. Fast forward to now. I get at least 3 calls a week from Alliance Data, claiming that I owe a debt for this card. I've asked them repeatedly to verify this debt in writing, but they haven't sent me anything. I know I don't owe this debt. Which is why they can't provide written verification for it.


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I never received some of my statements with them in the mail or online. They constantly call harassing messages and the customer service is horrible. If you are one day late they are calling threatening you and won't give you a explanation to why you never received a statement. I wish I would of stayed clear from this company.


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After receiving my first statement I decided to set up an online account to pay my bills to avoid late charges and interest. My son helped me and decided to pay the bill in full two weeks before due date. He paid using his bank routing number and account number which has sufficient funds during the month we paid. The next thing I got was letter suspending my credit card for returned payment. After we made a payment at store in full, I called the customer service and spoke to the manager who explained that the extra fees are not reversible and the account will stay in suspension for three months. 


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I have had this card for 5 years. If I have a balance it’s small. I’ve never missed a payment or paid one late. I paid the card off two months ago and today I get a notice from a Credit Karma that my account had been closed. They didnt notify me at all. No phone call, no email or letter. They won’t give me any information over the phone or even try to reverse it. I was affected by Hurricane Florence and yes my credit rating has gone down due to lack of payment from the insurance company but according to Comenity they were here for people affected by the hurricanes. This is total **. All they did was hurt my credit even more by closing my account for no reason.


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I got a Comenity Bank Credit Card because I am a member of BJ's. It is one of the worst banks for Credit Cards. They charged me 85 dollars just because the payment (I make payments in full) came into the system one day late. I called them and literally fought with the customer service to waive the charges. But they wouldn't. This is the craziest bank that you can ever deal with. Now I am stuck with this credit card as it is the only credit card that the BJ's accepts.


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I have had an Ulta Beauty Ultamate Rewards card for over a year and always pay off my balance so I’ve never paid late fees or interest. So I decided to get a Love Loft card around Xmas and got approved with a 16,0000 credit limit. I spent around 100 and paid off the balance. Today I opened my no balance statement and my credit limit has been reduced to 8,000 for no reason?


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Comenity definitely is the worst bank I have ever dealt with. I financed dental work with My Smile Care/Comentiy bank and the calls from them started the day after treatment telling me my payment was late two weeks before the first payment due date. They offer very little help when trying to set up online payments through the website but constantly hound you about making payments. Example, Today is 2/7/2019, my due date is 2/27/2019 but I am already receiving multiple (4 within 5 minutes) robocalls for collections on my current account. Stay away from this bank at all cost!!


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I've had Comenity. I only planned to use it once, it was for an item I needed, really needed and couldn't afford to buy it all at once. I had numerous problems with them setting up the account that caused me to be late for some payments, the lack of a start date also meant the settlement date was iffy too. They overcharge me quite a lot even though I made sure to pay on time and even overpay a little.


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I just want to say, that I have better cards with better benefits and flexibility with payment hours, etc., but the cherry on the top was a rep- Arturo, very rude, didn't listed what I wanted to do. I have 2 accounts and I wanted to pay off and close 1 account and make a payment on the other one, but he was shouting: "You must make a payment! Ma'am you must make a payment!" Seriously... Rude imbecile.


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Opened a West Elm credit card and waited a few months to use it for the first time. Went to use the card only to have the purchase declined. Called to see what the problem was, and they said they closed my account because my credit score had declined since the card was opened. I have other credit cards that are with Comenity and I’ve always paid more than the minimum due and on time. Don’t appreciate the fact that they close customer accounts without notifying the customer. I’ll be paying off my cards and using other credit cards for future purchases. Comenity treats their customers like garbage.


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If I could give this company a -0, I would. Horrible business practices making it difficult to set up automatic payments. I have paid off this account and closed it three times and still get bills saying there are issues with the billing cycle and the fees generate additional charges. This is a complete nightmare. I work really hard to maintain a good credit rating, and this company is unscrupulous. They take advantage of consumers. Run away and don't get a credit card from this company. I am going to the Better Business Bureau and State Attorney General's office.


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This credit card company tells me that my payment is late and then charges me a late payment fee EVEN WHEN THE PAYMENT IS ON TIME OR EARLIER. I have never made a late payment to any company, yet this one company tells me I am always late. I check my bank. The payment cleared ONE WEEK before the due date, and my Comenity statement says the payment was one week late. DON’T USE THIS CARD.


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I opened up a Children's Place credit card with this bank. I always paid on time. I even scheduled my payments before they were due or even told me my minimum payment due. I missed a month by $5 (I went by what I paid the month before as it should of been the same). Next thing I know I'm hit with late fees over $5. You would think since I paid before the due date they would send some sort of notification that I have a payment due. I called to see if they could possibly help with the late fee since I had my payment set up before I even knew what my minimum payment was supposed to be and explained what happened and they had no care in the world. STAY AWAY FROM ANY CREDIT CARD THAT HAS TO DO WITH THIS BANK!


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Approximately two weeks ago, I applied for and was approved for a Bed Bath Beyond Mastercard for $1,000 limit. Received the cards a few days ago and, this past Saturday, attempted to use for a purchase. The card was declined - my husband tried his...same thing! I called and was told something appeared on my credit report and so they closed it, and it can’t be reopened. Most of my other cards are with Comenity and there have been no issues - no late payments - NOTHING! I am pissed!!! They obviously ran my credit report to approve me!


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The bill was due on 1/13/2019. I initiated online bill payment through Chase Bank which was sent on 1/7/2019 (proof of payment given by Chase Bank). Comenity Bank said they did not receive payment until 1/16/2019 thus they charged me late fee $27 plus finance charges $1.57 for a balance that was only $36.75. They refused to remove these fees even after I showed proof of payment from Chase Bank that my money in my bank account was taken out by 1/7/2019. 


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I had my card for a year before using it (put $150 on the card). I had lost the actual card and called in during December 2018 to get a new one. I was told a new one would be sent out but I didn't receive it. I missed the December payment (the first and ONLY miss). I made a $37 payment January 4 to bring my payment current. Good to go right? Wrong.


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This company is in fact a scam. Customer service is horrible. It’s all about the money with them. Come on now. It’s 2019 and they don’t have a autopay in place for the Victoria Secret or Wayfair card holders by now. Seems they are not making it easy to pay (want you to be late) and get most of their profit form late fees. It’s always a issue but my most recent last straw was them charging $37 for late fees that was inappropriately charged. Had experienced problems with the site not accepting my payments for 8 months. No one was able to explain why all of a sudden my stored checking info was not working for payments. I would have to walk in my payments or call or mail in. For me it’s a huge inconvenience because I’m busy. It would be similar to set up auto pay or log on to pay but neither was available & if I call in I would have to spend hours on phone explaining each month. Bottom line - this company needs to fold!!! I’m done with them.


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I was tricked into getting their credit card saying there was no interest. "It really wasn't a credit card. More like a membership card. It won't go on my credit." Also that I would get discounts (not just points for discounts with everything I buy with the card). I got a discount for my first transaction. That was it. I paid it off there and then. I made another $70 transaction a few months later. That was in 2016. I have paid them hundreds of dollars. I set up the auto pay (they charge 10.00 to pay over the phone) and they take out the money a week after and charge me 32.00 late fees and 3.00 interest after it shows on their site it was paid the day I asked them to take it out. Then they reverse the charge and charge me a 25.00 fee for that. 


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Charged me late fees inappropriately. Failed to send me a welcome letter to my address. Had no way to pay balance. Got a robocall which I then got access to my account number for the first time to pay my balance. They never corrected the late fees or interest on the late fees. Kept charging interest. The account reached $676 from $40. They also sent to collections. When trying to resolve the collections they claimed they don't have my account details. They claimed late multiple times on my credit report even though I had NO balance with them. STAY AWAY. THEY ARE SCAM ARTISTS AND OPERATE TO THEIR BENEFIT ONLY. I had over 30 calls with them throughout the life of the account with calls lasting over 30 mins to 2 hours at times. They always said a supervisor would get back to me or they would correct the account. Never happened. They claim they don't have the ability to that. A computer does it for them... Shaking my head.


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I've been with this bank 3 years. Paid payments every time on time. Before I went on Deployment I schedule payments to be submitted. Before I left told me they don’t do autopay? Sounds like they are trying to screw you right? I finally get signal 3 months later and check my account and I have 3 late payments. I call them. Told them we talked and they said they would fix. I paid the remainder off afraid that they would do the same. Guess what 2 months later I arrive back in the states check my credit. Bam 2 more missed payment. I asked what did I owe. I paid it off. Everything was a mistake to begin with. They told me that after I paid the 759 off that two days later a late fee posted for that and now I owed 120. Lol on a zero balanced account. Please turn away. Do not I repeat do not trust the bank. ZERO STARS!!!


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I made 2 purchases at Overstock in November. Both were purchased with deferred interest if paid off in 12 months. Got my first statement from Comenity, and nowhere does it show that I have that plan. Called them. No record of a deferred plan! I told them I absolutely made the purchases with that plan. They told me my account will be in dispute, and I’ll get a letter in 2 weeks. Overstock cannot confirm it either. So, I guess it’s my word against theirs. After reading some of these reviews, I’m not hopeful. I guess they want their interest. I would never have made these purchases otherwise. I don’t have 800.00 to pay it off. I am so upset!


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I wish I can give a -5-star rating! Why can some company ruin our hard earned credit score just with a blink of an eye? I have a J.Crew store credit card which I rarely use and when I opened it I asked for a low credit limit around $800. My credit score is in the 800. Before Christmas 2018 (Dec. 21), I shopped at a J.Crew store to buy plaid shirts I need to wear for family holiday party, and I used the store credit card (by Comenity Bank). While paying at the register, I asked store employee to tell me my balance so I can pay right there at the store. Worker told me I can pay but can’t tell me my balance. On Jan. 3, while doing online banking, I saw that my credit score dropped by 50 points... yes 5-0 POINTS!!! And I look at alerts and it showed it is because of a late payment with Comenity Bank. 


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I am Disappointed with COMENITY TOTAL REWARDS Visa fraud department... I have a $26,000 credit limit. I spend over $30,000 a year on this card for Business and personal use. My wife call COMENITY to check on Supermarket PURCHASE she made and Comenity fraud/customer service department block all my cards without notice or any form of COMMUNICATION... (My wife is a AUTHORIZE USER). I am the primary cardholder, I FEEL like they should've call me to let know they're blocking or to verify information. Instead I went to USE the card at the restaurant AND THE CARD was denied, That was very EMBARRASSING FOR ME, WHAT IF WHAT WAS THE ONLY CARD I HAD ON ME. 


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Like many reviewer here, I too am incredibly disappointed that Comenity would close my accounts due to inactivity. One card was Pottery Barn. I had just furnished my house a little over a year ago and had planned to buy a new sofa for Christmas. This is how I learned my account was closed. Then I checked my credit report and score which had tumbled due to the closing of 3 accounts. I called to try to reason with them but no luck; so I wrote an email through Pottery Barn even stating I was prepared to make a purchase. I received a response from Comenity saying they did send notice...to the credit bureau after it was closed. SMH. Sending it to me would have been useful. At least I would not have been embarrassed trying to use the card. I learned later that banks can do this without notice so lesson learned. They weren't great cards anyway but I liked the stores and the rewards. I think Comenity could and should treat their customers better.


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I had always paid my account off as soon as I got something out of this store called Goody’s. I had a small $200 limit. I got like $50 worth of stuff and tried paying my account right off but my phone number was changed by somebody in a call center doing a skip trace so my account had the wrong info so they could not look my account up. I travelled and moved and had other people trying to pay my bill but my info was wrong still and they could not pay it. After 7 mos of this foolishness I came back to settle this bill and a really slow stuttering dude took him over an hr. for him to find my account because some employee put bad information in their notes and my file. This nice stuttering fellow informed me that my bill was now $328 to settle my acct due to no payments and they have policy where they can charge up to 100% interest on the bill.


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Very disappointed with gimmick by West Elm and Comenity Bank. I was told when I signed for West Elm credit card I would receive $25 for every $250 I spent. I had over $2500 in purchases and waited for my rewards. It has now been over 8 weeks and I have yet to receive anything from West Elm or Comenity Bank. When I made inquiry to Comenity, this is the response I received. "I apologize for the inconvenience and concern this has caused. Lost/stolen rewards and rewards 'not received' cannot be replaced." Use other credit cards that provide genuine rewards, not these renegade ones that are nothing but gimmicks.


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The worst customer service ever. Never received bank statement on time. Payment on due date or later, because of that, and late fee $38. It's ridiculous. What about bank grace period? Stay away from this piece of garbage.


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I have been working on a dispute with the financial company that manages various retail credit cards. The statement 8/25/16 reflected the purchase made on (7/16/16) and returned credit (8/1/16). When receiving 9/25/16 statement the 7/16/16 purchase reappeared with the same differed reference number and purchase date. I submitted the supporting documentation to Comenity dispute center which denied my claim. They didn't give a reason. Only it was not a valid claim. I resubmitted the dispute. When receiving 2nd denial I contacted the customer care/credit department. 


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The complaints in here bewilder me. Of course you will incur late fees if you pay your bill late; of course you will incur interest charges if you carry a balance. After a bad relationship failed and took my credit with it, I stayed off the grid for 8 years. When I was ready to get back into the game, Comenity was one of the only banks willing to take a chance on me -- a middle-aged woman with no credit history. I've paid my bills on time well before the due date and I've paid more than the minimum due. I've never gotten a phone call from them and their websites are remarkably easy to use. The people complaining here are either bad at paying their bills on time or bad at understanding how online billing works -- I've had no problems whatsoever and I've received generous credit line increases already. Comenity is a great bank for rebuilding credit provided you actually plan to pay them back on time.


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First, they kept increasing my credit line - when I never authorized or request any such increase. Then they would constantly email me with "offers" to use my cards. I had several of the credit cards under them and had zero balances on all of them. Next thing I know, I start getting letters saying they closed my accounts for "inactivity" and because of my credit score. Now mind you, each time they increased my credit limit, it dinged my score because of "available credit" to equity ratios. I'm not going to hold it against the stores themselves, but I will never... EVER... sign up for another Comenity card. These people are the worst! Whatever other cards you carry - dump these!


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I need to start by saying, I do not EVER make late payments. I'm two months ahead on all my bills. So imagine my surprise when I received a call saying I was severely delinquent on my account. I told them this was impossible and they said I had paid a day late so they charged a $24 fee. Then three months after I paid on time I received THIS FIRST ATTEMPT AT CONTACT, I was told that the late fees on the late fees were upwards of $270. WHAT?! I not only had paid on time but I even asked the girl if I was all caught up to date and she said, "Yes, you paid on time so there won't be any late fees." 


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I did cool sculpting in 2016, and my overall bill came to $10,000. Since the time the bill was generated, I have been paying thrice the minimum payment amount every month, and I paid almost every payment without missing any monthly deadline. Late 2018, I was busy with my work and didn't realize that the promotional due expires on 12/5/18. There was no intimation regarding the expiration. I read my email, & noticed that my remaining balance was $2700. I was really shocked. 


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I opened a credit card through this bank at Wayfair.com and BJ's. I just received letter stating that Comenity closed both credit cards. In the letter it shows that my credit score is 829. Reasons for closing accounts. #1 - NO real estate accounts with valid credit amount. WELL THERE WOULDN'T BE AS I PAID CASH FOR MY HOUSE. #2 - Too many open bankcard accounts - HOW MANY HAVE OUTSTANDING BALANCES I ASK - NONE. #3 - Available credit on open revolving accounts is too low. READ #4. #4 - Sum of balance on bankcard accounts is too high. Huh - these accounts are paid in full each month - so how can they be too high - and for #4 have they looked at the amounts???


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I called to make payment on call center and was informed that I would be charged a fee amount of $9.00 which is a bit high for a service charge. What happen to the customer comes first, and to be grateful for my business.


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Been fighting with them almost one year. Made an online payment of $3000 and they can't find it. I have supplied bank documents sent numerous letters and all I get are letters stating to contact my financial institution. Horrible service. Don't use them.


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Don't bother. They play with limits constantly decreasing even if you pay on time. I didn't use one of their cards for only 4 months and they closed it without even informing me. Not worth the inquiry on your report.


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This has been the worst credit card I have ever had. I got behind on payments due to a job loss and tried to make arrangements. I paid what I could and their debt collection department would call me 6-8 times a day. Sometimes more. I have since then closed my account with these people as the fees and balances kept getting higher. These people have the worst customer service for a credit card company and I will never ever get another store credit card through Comenity bank in my whole entire life.


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DO NOT USE COMENITY BANK FOR ANYTHING!! WRITE A CHECK, PAY CASH, BUT AVOID THEIR CREDIT CARD. The billing cycle is as difficult to understand as their customer service staff located "Offshore". They are reading off a script as English is their second language, they use fake American names and one even tried to get me to pay my bill a second time. I paid the bill in full to have to not deal with them. I suggest everyone do the same and keep every statement for verification of facts. One rep had the audacity to ask what my second cell phone was for?? I dont have a landline, it was none of their business. I am writing because I was in customer service for 30 years and would never talk to people in this manner. It is too bad the merchants I like use this bank. I plan on letting the merchants know what a bad experience I have had and it will affect my shopping habits.


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I signed a finance agreement with Ideal Image for $3500. My payments were supposed to be interest free. Ideal Image set up a payment schedule of $150 per month but Comenity Bank bank billed me $75 per month. I sent in monthly payments to Comenity Bank ranging from $100-150 every month, thinking I was getting ahead because I was unaware of the deferred interest penalty if not paid in full within 24 months. I never missed a single payment, nor was I ever late. On the 25th month I was slapped with a deferred interest charge of almost $1200! When I called the customer service helpline no one could help me. I was told to send Comenity Bank a written request by mail. After sending a written correspondence Comenity Bank would only waive $390 of the deferred interest, even though I paid the remaining balance in full merely 8 days after the 24th month. I will never do business with this bank ever again. Lesson learned.


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Comenity Bank is the worst bank ever. Beware!! I had a Pottery Barn card. Been making payments. I got behind one payment. Decided to go on a payment plan then pay a large sum in a few months then get rid of the card. They called an associate of mine's sister whom I don't know and have never met and told her, I have her listed as a reference. Which was a lie. Which could have resulted in me being bought up on fraud charges. I am now taking legal actions against them.


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DON'T EVER OPEN A CARD WITH COMENITY EVER!!! I opened a card while in BJS last month and was planning on making this my major card to use for all purchases. I thought my payment due date was the sixth of the month, and paid my bill on that date. I was wrong and it was due on the fourth. My full statement charge was $71.01 which is what I had paid. They charged me $27 late fee and $90.63 for a finance fee. I called Customer Service in Kansas City and spoke to Adrianna (Account Supervisor) and Brady (Sr. Account Manager) and requested them to waive the finance fee and late charges, but they refused!!! I told them that I am never late with my bills and that this was the first month of the card. They still refused. These fees were $117.63 which is almost $50 more than what was due. 


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I sent in a payment to pay my Kay Jewelers balance. The payment was applied to my husband's account in error. As soon as I received both statements showing the balance remaining on my account plus late charges, and my husband statement showing a credit balance in the amount of the payment submitted for my account I called Kay’s. I was advised they would file a payment dispute to Comenity Bank for corrections and all fees would be waived. I received a letter from Comenity requesting proof of error. I sent a detailed explanation along with copies of both statements. The following month I received a collection phone call for past due amount on my account. I called Comenity Bank and spoke to 3 different individuals customer service representatives, Supervisor and Sr Supervisors. I had to pay my balance again and credit would be refunded from my husband's account, not ideal but acceptable. 


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I had a Lane Bryant Credit Card, in good standing, with a 600.00 credit level; used the card once or twice and decided that I didn't shop at Lane Bryant enough to warrant a credit card. Then, a second card appeared, through Lane Bryant, that I don't know anything about and have not used this second card to purchase a thing from Lane Bryant. The second card has incurred late fees for a purchase that I did not make and upon asking for proof of the purchase and my signature - none has been provided. Now my credit score has taken a hit - numerous phone calls to my cell phone - monthly statements with the mounting late fees - calls to an ex-husband claiming that Comenity didn't have a way to reach me, when they are calling me on my mobile phone. Calls to my in-laws in another state trying to locate me - and then numerous emails telling me that my home address, which is not a PO Box, is not accurate, but yet I get a statement every month. 


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The worst card ever!! 3 years with them and have been nothing but loyal. Lowered my CL by 700.00 during the holidays, now it lowered my credit score. Never received notice or ever missed a payment. HORRIBLE! Used to be my favorite card but I’m done with them. Please don’t let them do it to you, not worth it.


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I made the mistake of signing up for a J.Crew Store card when they were running a promotion, thinking I would get some added savings and benefits. Such a huge mistake. Wish I could go back in time and undo. This company is predatory and abusive, taking any and every opportunity to damage your credit. The first month I had the card I had a hard time figuring out how to make a payment... Setting up and accessing my new account online was a headache and my first payment was late as a result. Not even 30 days. Guess what. They dinged my credit score. A score I had been working very hard to improve. I then realized that there was NO WAY to set up autopay on the account, which made it difficult to pay bills. I'd need to log in online and manually pay every month... a hassle I haven't had to deal with for nearly a decade. 


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I have paid this bank on time every time since I have had an account with them for about 3 years now. This month they have greatly destroyed my credit by lowering my credit line to the amount of my balance. I owe on one account $2,370 and they lowered my balance to $2,400 which makes me look like I have almost maxed out my card. To top it off they have done the same with the other cards too. On one I owe $96 and they lowered the credit line to $100.


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I am currently fighting with this bank (unsuccessfully) to have them remove excessive late fees. I made ONE purchase, paid in cash at the store a few weeks later which was one day past the due date and I am now accessed 60$ in late fees on a paid off $38.00 charge. I am adding this review so that whoever has a problem with this bank will know to SUBMIT a complaint to Consumer Financial Protection Bureau. Hopefully if enough people do this, more customers won't get screwed.


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I have a few store cards through Comenity Bank, and just astonished how they can cripple a person's credit score, just because! I have NO LATE PAYMENTS, pay much more than what's actually due every month, and just found out that my credit limits have been lowered, which in turn, has ruined my credit. How can they get away with this? I had no clue the card's limits were lowered until I just checked balances to begin shopping for Christmas. I thought I had a few hundred on one card, several hundred on another (all in good standing with NO LATE PAYMENTS) and was shocked to see that they had lowered my available credit. I don't understand how they can just crucify someone's credit rating/scores without just cause?


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Comenity Bank does not process the payments they receive in a timely manner. I scheduled a payment on the 12th and they didn't attempt to take the money until the 24th. By the time they tried to take it, it was already spent because I thought they took it already. Then after that they ruined my credit report by stating that I didn't pay on time and then began calling my phone ten times per day using different phone numbers. I WILL NEVER GET A CREDIT CARD WHEREAS THEY ARE THE FINANCING BANK EVER AGAIN AND NEITHER SHOULD YOU.


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I have a Venus credit card. I had a payment due in the beginning of October. I made a late payment mailed out on Oct 28. I made the payment for more than what was owing. I kept getting phone calls from Comenity coming up as fraud or spam. The problem is, the call with auto answer on my phone. In other words, they not only called, but also had the ability to answer my phone without my consent. It was freaky! I checked my bank account and nonpayment was processed. However, I kept getting the automatic calls that also answered my phone, with the ability to listen in on my in home conversations... Their calls were also able to hang up my calls if I was on the line. So I'm talking to my cousin in the phone, I get that phone number calling me, I don't answer it and continue to talk to my cousin and it hangs up my conversation automatically. Super freaky and WRONG!!! DO NOT TRUST COMENITY BANK. THEY ARE FRAUDULENT AND SCARY!!!


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I had a Hot Topic card through Comenity Bank. I used it a couple times throughout the year and normally paid it off in a few months just to keep the account open. I had used it, then went through a divorce, and because of that I was out of work and not able to make a payment. That's fine. I'll take the late fee for that. I got a job, but my card was due on the 4th and I don't get paid till after the 9th. I called them and waited on the phone for what felt like forever, then spent even more time with THREE, very rude, different people who all said 'we can't do anything until you make a payment.' I'm sorry - I have $10 in my account and I don't get paid until the 9th. Long story short - They didn't even try to help. I am dissatisfied with their "changes" and will be canceling any and all cards I have through them.


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I bought furniture from El Dorado. They sent me inferior damaged goods. The next thing I know I am being threatened by a Comenity bank. Comenity refused to consider my dispute and correspondence. I sent all documentation that I had. They charged my El Dorado Blucard 51.77 (after I had the money returned to my account by my bank due to a dispute), without authorization or signature, or permission. Senior account executive refuses to contact the store itself. Comenity is adding finance charges on top of the illegal charge. I do not owe Comenity any money. In fact, El Dorado owes me 114.22. This has been verified by El Dorado. El Dorado and Comenity say they are not the other company, so whatever dispute I have, I have to contact the other guy. El Dorado has closed my account, and cannot access the information. This cannot be accurate.


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BEWARE! My experience with Comenity bank has been a disaster. Although I provided proof of payment they reported me as delinquent dropping my credit score 75 points!!! Then the send me a letter stating they've dropped my credit account to only $100!!! My credit score is the same as the day they approved me for a credit card. This is NO way to treat anybody.


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I have been a Pier 1 customer with perfect pay for 20+ years. Comenity bank sent me a letter that they were closing my account because I use PO BOX for mailing and they couldn't verify my physical address. They advised me that they use an auto dialer to call and check and of course I would never take those calls. I was advised I could have my account re-opened by sending all my personal information by mail and when I called after sending they advised me couldn't open my account and the only thing I could do is reopen a new account which would affect my credit score. Stay away from this company!


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Stay away from any cards by Comenity! I have about 7 cards with them, never late on a payment. I recently paid off a few and made some large payments on others. Today I got an e-mail from a credit monitoring website that my score had dropped due to a creditor closing an account. I checked, they closed my Pier 1 account with no notice! I've never been late on any of my payments, and in fact pay them early. I had 500.00 available credit, with 0 balance, and they closed it for no reason! 


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I had gotten a $4000 limit at Zales for a purchase. Was told to pay it off in a year no interest and they told me how much to pay for my final payment. I paid it and 2 weeks later they added $467 to my bill saying I owed $30 off my final payment and no one can adjust it or help. I have to pay it off. Stay away from this bank. They are out here to rob people.


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No clear answer and claims that they are in the 'Right' to do this. They might be but it is NOT ethical at all. 12/19 Promo Finance Charge 657.72, 1/12 Finance Charge 657.72, 1/12 Promo to Revolving 1,873.31, 2/9 Finance Charge 58.97. My original purchase was for 2,194.31. Current balance with consistent monthly payments 2,039.61. I owe only 100.00 less than the original charge 2 yrs later. Will NEVER use them again. Will be paying them off this year.


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I had a Victoria's Secret credit card since 2002. I had never made a late payment, and still have a balance of a few hundred dollars on the account. I get a letter that my account had been reviewed and was closed. I immediately call Comenity customer service for the VS credit card and was told that the bank has the right to review accounts and close them at any time. The reason was vaguely given that my billing goes to a PO BOX, which it had for the entire time I had the card, so this made no sense to me. I live in a rural community and post office boxes are very common so that we don't have to maintain a personal mailbox. I was told since the account was closed, they could not re-open it, and I would have to re-apply for a brand new account. I declined and simply said I would pay the balance I owe. I am so dissatisfied with them just closing the account with no advanced warning, especially after being a loyal customer.


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I have been a J.Crew card member for over 10 years and have never experienced such terrible customer service in my life since J.Crew switched to Comenity a few years ago. There was apparently an attempted fraud on my account so Comenity sent me a letter which said they were suspending my account due to security concerns and that I needed to send in a few identification items (Driver's license, etc.) within THIRTY days or else they would close my account. I sent in the items but they didn't receive them which is hard to believe. But ok, even if that were true, they terminated my account WITHOUT sending me a letter, email, giving me a call, nothing, to let me know that my account was terminated. That is outrageous to me. Had I known they terminated it, I would have RESENT the information they needed.


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We purchased a trip to China in July of 2017 and purchased it on our Comenity Toyota Visa Card. We were notified in August of 2018 that the Company went out of business for out October 2018 Trip. Our friends put their trip cost on a Mastercard and received a credit in three weeks. We have been told that there is nothing they can do, to yes file a claim with Visa Insurance Carrier for a refund of travel cost up to $2000. Also were told that we would receive a refund of the foreign transaction fees only to receive an email 2 hours later to say that would not happen. Still waiting for refund and they keep asking for more documents that they already have or refer you to the insurance company. DO NOT DO BUSINESS with them.


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My husband brought several thousand dollars worth of jewelry from Kay Jewelers with insurance the banking and payments were transferred to Comenity Bank. We spent money on insurance through Kay Jewelers and it was canceled before the Comenity Bank was transferred. Which makes no sense since they are the same insurance company 3rd party that Comenity Bank uses. So after we find out this bank took over we tried to find out about our coverage given the run around then asked about new insurance no help. Finally account holder has heart attack and ended up with quadruple bypass surgery. Comenity Bank would not help defer payments nor help me with insurance options. I would rather return the jewelry. The sad thing is the insurance would have covered the balance but they don't have an answer of why we were not able to see this online until today and why it was not offered.


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Disgusted by their total nonchalant attitude about customer service and trying to accommodate a customer in any fashion. I am so angry right now I am seeing red. I have been a long time Victoria’s Secret customer and have a large available credit on my credit card. I have never been late on my payment. Never missed a payment on over the last 20 years of having their card. I’m sure I’ve paid quite a bit of money and interest. For some reason I couldn’t get into my online account so I decided to call them directly and for some reason they had the wrong bank account listed. No problem, I called and talked to customer service Erik ID number **, explain the whole situation to him and ask if you would kindly update my bank information and I would make my payment right away on the phone. 


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This review is for my Pottery Barn card, which is issued by Comenity Bank. Do your homework before applying for this card. This card has a high interest rate with high late fees, and horrible customer service as stated by many other reviewers. After approving you for the card and subsequently using the card with 100% on-time payments, they may suddenly ask you for copies of your driver's license and social security card before they'll let you continue using the card, for no other reason than they feel the need. Huh? I have never had a credit card ask me for that information. Also note that their system is set up to surreptitiously charge their customers exorbitant late fees and finance charges. How do they do this? By stating that the due date is on a specific date, let's say the 16th of the month, as an example, but then imposing an early cutoff time on that day in order for the cardholder to avoid the late fee and finance charges. 


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Cardholder for years. High credit limit over $10,000 - NEVER missed a payment - paid in full then they lowered my available credit to $750 and said I had a credit score of 400!!! I work in the financial industry, have access to all 3 bureaus, just refinanced my house, and my score is in mid 700s. I called, wrote and never got an explanation. They refused to tell me what credit bureau they used. Isn't fraudulent credit reporting illegal? I closed the card. Horrible business practices.


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Shame on Comenity Bank! I received a surprising letter from them that my HSN credit card account was now closed. I have 18+ years of excellent payment history with that card. I called 5 times and got passed around Comenity and transferred to HSN with no good answer from anyone. I would really like to have my account back with HSN. But HSN said it is in the hands of Comenity Bank. Comenity said they closed my account because they did not have a physical address! Weeks before the "closed account" letter, they left a voicemail message that I promptly returned and was on hold for over 15 minutes (no exaggeration) so I hung up and forgot about it. 


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I purchase patio chairs and Canopy from Big Lots in March of 2017 in which I opened an account under 12 month promotional special. My balance came to 750. So I began to make payments on my account. The first month I miss because I didn't know I was due. My fault. After this for the next 6 months my payments were made on time with the exception of one. I was 2 days late. Paid 50 late fee. Was 35 for 2 days! I got down to $260 New Balance. Because I had not paid off 260 balance within 12 months I was hit with a $406 fee added on and then another $206 for which I don't even know what for!? More interest! 


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I received a letter from Comenity Bank a couple of days ago stating that they closed my account due to missing information. I have been with the Children's Place Card for years now and had not had any problems when this card still belonged to Citibank. This morning I called their customer service line and spoke with a CSR and supervisor and neither of the two had any sincerity or concern on the matter. The supervisor Gabriel was the worst between the two as he was extremely passive and uncaring, just had a sort of "sorry for you but oh well" type of attitude. 


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I am following up on my earlier Overstock account post where the card is issued by Comenity Bank. I spoke with a supervisor in customer service on Monday and gave them until the 24th to have my credit card payments correctly applied. This means to credit my revolving balance and show it with a zero balance and no finance charges. I should now have a zero balance on revolving and promotional balances totaling 1000.00. Instead I now have a revolving credit balance of $529.78 and a promotional balance of 1420.00. These two figures do not even make the 1000.00 I owe. 


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My Comenity Lexus Pursuits card has been PAID IN FULL for many months now... There is ZERO BALANCE, and the card is essentially useless because you can ONLY use it at a Lexus dealer. I found out today from a Credit Bureau that Comenity CLOSED MY ZERO BALANCE credit card because they felt like it... To add insult to injury, they REPORTED IT to the Credit Bureaus!!! I have been a PERFECT CUSTOMER... PERFECT. They are CRAZY and weirdly UNETHICAL... They are reckless and sadistic. And Ive spoken to a class action attorney. Apparently many customer have been abused in similar damaging fashion. HOW DARE THEY.


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My Comenity bank credit card was recently closed! I received a message from the credit bureau that there was a problem. My credit score is over 800. The following day I received a letter from Comenity bank saying my account was closed. I called them and asked why and that I had an account with Ann Taylor/Loft for over 25 years. The lady said they couldn't reach me to update my information. I told her my information has never changed. That's when she told me that I had a PO Box and they needed a physical address. I live on a private road and the USPS doesn't come down my road. She said some people got letters and some people got phone calls. I told her I did not receive a letter or a phone call. 


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I have shopped and had a Talbots credit card since 1984. I have never been late on any payment and have always paid in full each month. Several years ago, the company went with Comenity. I was one of those whose information was hacked from Equifax. They recommended freezing my account there which I did. Evidently, Comenity tried to check something from them and was refused. My credit score is 850. I received a letter from Comenity saying that they had closed my account. The baffling part was the letter explained that my account at Pier 1 was closed. I have never had an account there. 


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First got a Belk card over 10 yrs ago. Didn't use it often enough so I cancelled it and paid off the balance. Fast forward to today, and I have a Torrid and NY&Co card. I cancelled the NY&Co card and paid off the balance (again just didn't shop there enough) and kept the Torrid card. In the last year I started receiving calls about a delinquent Belk card from them. I checked my credit report - and it's not there. Apparently even after I paid the balance and cancelled the account, they continued to charge me late fees! They now claim I owe them over $700 for a card I closed over 10 years ago. Thankfully it's an old enough account that it doesn't impact my score or credit!


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This is the most horrible customer service fail I have ever experienced from any of my credit cards in my entire life. After almost 20 years of carrying the Victoria's Secret Angel card, I received a letter in the mail a couple days ago, stating that my account had been closed, due to missing personal information on my account. I called to speak with customer service today, and spent a couple hours on the phone, being "escalated" up through the ranks, until I finally reached a senior supervisor. The first story they gave me, from the lowest ranks, was that they sent out letters earlier in the year, letting cardholders know that they needed to update their account information with a physical street address, and anyone who didn't would have their account closed. I never received such a letter, and I have always made sure my account information was current. 


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I had 3 cards with Comenity bank, Torrid, Ultra, Boscov's. Never late, balanced paid off quickly, spent a lot of money at Boscov's and would pay them off within the month maybe two. One day I get home to find 3 letters. Boscov's allowed this dumb company to lower my limit from 1500 to $200!!! They also closed my other 2 accounts for both inactivity and bad credit reports. I sent them a letter explaining my credit report they pulled 2 months ago was corrected after mistakes were found and my score was back up. I reminded them I was an active and responsible card holder and asked them to reconsider... I was promptly told no... This company is a nightmare... The stores involved with this company should drop them... Because they lost my business because of them.


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This company is single handedly responsible for killing my credit score. They reduced the credit limit on some of my cards down at least 75%, most recently West Elm, from 4K to $1400 and Wayfair in half. Today I get a letter stating that my Overstock card had been closed due to account inactivity (just purchased a few things two weeks ago) and credit report info. My score isn’t awful (but was better prior to this company and their reductions and closings) and I’ve never missed a payment on anything! There’s another $2500 off my available credit. If memory serves I think they had the Virgin America cards that were all closed at the first of the year, it started with that and has been downhill ever since. Never again will I have any account with them!


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So, where do I begin!!! I have 3 credit cards through Comenity Bank. The Room Place, Victoria Secret and Gamestop. All 3 cards no missed payments and all were in good standing. My problem was with The Room Place credit card. I had 9,800$ in credit. I purchased a living room set and a mattress and box spring. I am very happy with my furniture and it's a shame that I have to write a review like this because of Comenity bank's carelessness and unwillingness to deal with their customers properly. Especially, their great customers!!! 


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I missed my first payment by 1 day and called to have the $27 late fee removed/waived and to my surprise I was advised that they are unable to remove the fee due to the agreement/contract between Ashley Stewart and Comenity Bank. I can't wait until ALL my cards through this bank is paid off. Their billing practices suck!! I will never get another card with this bank.


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I recently applied for a Wayfair credit card through Comenity. A few days after I submit my application I get a notification from Equifax about a hard inquiry into my credit report by Comenty-Wayfair. Nothing wrong here since I knew that applying for a credit card would mean having a hard inquiry done. I have a really good credit score (over 800), no derogatory marks ever on my credit report, and have never missed or had a late payment on any of my loans so I knew I would be approved. 


