About Comenity Reviews 

On two separate occasions ,with two different stores that use Comenity with their store credit cards I have been over billed, they once applied a payment I had made to the wrong account and were trying to charge late fees. Lesson learned......never again will I use a store card that uses Comenity. No rewards are worth the difficulty of dealing with them.

Dishonest bank! I took out a 12 month loan for some dental work I had done. I didn’t have to but I figured I’d take advantage of their promotion. I went to pay my 12th and final payment just to find out that they tacked on 30% of back interest I called everybody I could from the company and nobody would help me make this right. Because they sent me my first bill and statement six weeks after my purchase date it was in effect an 11 month loan I wasn’t keeping track of the purchase date I was only keeping track of the 12 payments , it was a sneaky trick and they were able to cover themselves legally and not give me back any of the interest. In retrospect. I should have never taken the loan. I should’ve paid my bill in full and I would hope that anyone who reads this would learn from my experience .

I signed up for a card a few weeks ago. I never got the card. When I got my first bill, I couldn't pay it because I didn't have the card number (I thought). I called and wrestled with the automated system. I have a paralyzed vocal cord so can't use the voice commands reliably. When I finally got a person, he told me the number was at the bottom of the page. What kind of stupid sense does it make to "secure" the card number in the account number box but then print it out in full at the bottom of the same page?? So I go online to pay my bill. It won't save my bank info. I call back and am told I need to use the Chrome browser. We don't use Chrome; we use a secure browser that works fine with all our other accounts, and we are not going back to Chrome now for ANYbody. So I decide to go back to the phone automated assistant. I can't type the cc number in fast enough and it sends me again to a representative. And again, she refuses to help me unless I pay a $9.00 fee and sends me back to the phone system. It took me a solid half hour to pay my bill and close my account. Some of the worst customer service I have ever experienced. No matter my problem, they still refused to do any work on it themselves without an exhorbitant fee. Never again Comenity. I will remember you, and Bread Financial, forever.

I make my payments every month using my bank account of course. I submitted my payment of 37 dollars and they took out 327.00 hmmm they couldn’t be that stupid….they are. When contacting them after a day of runarounds they said it woul d be 90 days for a refund. I got it reversed by my bank, and now they tried pushing it through again…. I reversed it again and am anxiously waiting for them to call! This is a fraudulent company. I don’t know what has happened over the years but they get non English speaking CS Reps and it make me think how much money goes into thei pockets for the scheme??

Common criminal banker thieves. So boscovs makes a mistake and makes two of my payments on an old closed out account. I get a phone call saying I haven't made any payments. We get that straightened out, boscovs refunds my money with paper checks through the mail. I call Comenity on the 23rd of the month and ask what is the full payoff, lady on the phone tells me what the full,amount is and I pay it completely off. I'm done with payments, end of history. But no, the lady fails to tell me the payment was due on the 20th, doesn't charge me the late fee. Two, three months go by and I start getting phone calls from these clowns saying since she didn't charge me the late fee I now owe 160 in late fees. Bad way to do business. You bankers should of been strung up and fed to the wolves after what you did in 2008. I immediately canceled the card after that sheet show.

My experience with Comenity Bank has been a total disaster.

After years with DELL's credit line, the transition to Comenity was an absolute nightmare. Not only did I receive no notifications about the change, but I also never received login credentials to manage my account.
When I attempted to seek help from their customer support, it was a complete joke – endless wait times, clueless representatives, and zero resolution.
As a result, I ended up with a late payment on my credit report, all because of Comenity Bank's incompetence and lack of regard for their customers.
Avoid them at all costs if you value your financial stability and sanity.

Yeah I’m done with them. All payments on time and always much more than the minimum, good credit, and they gave declined increasing my credit limit twice now. I am closing my Caesars Card with them. The “rewards” are non-existent anyways. Worst card ever.

Terrible CARD CREDIT COMPANY - Horrible! but this just my opinion and a warning to my fellow shoppers. Put this card back in your shoebox.

If you have problems with a transaction, THE company doesn’t listen to what you say. They don’t help you resolve it in your favor, even if you tell them you didn’t authorize the transaction, you called the questionable company and the company offer an 75% because they are a SCAM, and you didn’t receive merchandise.

Terrible customer service.

Use another Mastercard, or discover, American Express, bank credit, because these people don’t have your backs.

I have had the worst experience with this company I have ever had with a credit card. I have been communicating with them for over 5 months, and I still get the same answer. Even when proof has been sent, they still tell me the same thing. Their customer service department is not helpful at all. DON'T EVER GET A CARD FROM COMENITY!

Sorry I ever open account with my these people I have three capital one cards and capital one is awesome never had I experienced a credit limit decrease like I did with these jokers I will be dealing with capital one these people thumbs down to them

They have not accredited my account with last payment, which I made 2-3 weeks ago in store at Academy. I owed $171.00
I paid in store $50.00
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Now they're billing me $204.00
There is proof on their website, but for some reason I cannot access my account... never have been even though I keep my username, and password in my phone notes. The 2 phone numbers I found leads only to automated with no option of talking to a living person.
I'm madder than my one legged F-in-law at an ass kicking contest. Sorry, but my top is about to blow.

Trying to get to customer service is a nightmare. I spoke to four people trying to get a correct address. Three was so incompetent, I asked for a supervisor, then they hung up on me. Finally I talked to one that gave me some information, not sure if it is right. I am going to start only using a company that has customer service representatives that understand your needs and not located in a different company. This is not a company I want to do business with. This is a Caesar Casino preferred card, they need to consider who they do business with

Just got a card. Haven’t even received my bill and they are calling me all day none stop. I have plenty of cards and lines of credit. Dropping this immediately. Avoid this company if you can. Truly harassment. If I cared more I’d try and file something.

Awful Credit Card System, If I could give zero, I would. I should not have reapplied. I closed my card in 2015 for the same reason. First, you struggle to log in to your account. When you finally access it, you try to enter your account information to set up autopay, and it won't let you; then you manually pay it, and it doesn't go through. The next thing you know, foreign call center agents are relentlessly contacting you for a late payment; you're considered delinquent now too. I tried to pay it in full to get it over with, and the next month I have a $2 interest charge that I never thought I would have because I paid in full, right? No! Now $2 became $40 including late fees, and you are delinquent again! What a terrible experience with this company! Don't get this card; the discount is not enough to cover the late fees if you can't log in or pay online. You call, you wait on the phone forever, then talk to foreign agents who have no compassion, all giving deep sighs as though they're tired of talking to other unsatisfied customers like me. So frustrating. I'm closing this account as soon as I pay off this ridiculous $2 interest charge again; the charges never stop!

I had the ulta master card for 6+ years. Noticed some odd minimum interest fees recently. My entire balance was paid down this month. But somehow a fee was left over and issued. If I didn't recheck the app, I would have been charged a late fee. I feel they changed their usage rules or something. Money Hungry. Not worth the headache but it is worth taking the hit of closing this credit card.

Do not bank with this bank. Do not open a famous footwear credit card. They routinely mailed statements so there was no chance a payment could be made on time. Charging multiple late fees. Even after I paid the balance and closed my account I continued to receive payment collection notices. When I called they said it takes 7-10 business days to process, in the meantime it seems like they added new charges even though I've not purchased anything new and my account is closed. More fees??!!

Just stay away.

This is the worst bank card I’ve ever dealt with! Even making a payment is a hassle,they’ve messed up my checking account twice by charging an amount different than what I paid. When i made a payment of 65.00 they took a full payment of 2,500 out my account! Glad my bank notified me and sent it back unpaid, after starting to mail payments to them they waited until it was past due then put it through for payment,this last one I sent a 100.00 check and someone changed it to 7,000 which I don’t owe!! At this rate I’m not paying anything take me to court!

Do not do business with this bank. They are definitely thieves.I actually closed every account I had with them.
I had a credit card with Wayfair and then community Bank took over. I have never ever missed a payment or sent it late and at the time of the change to Commenity I owed just over $300. I have not made any purchases when the change was made to community Bank and now I apparently owe over $900. I did contact them to find out what was going on and one of the operators told me that due to covid they did not have this there they needed and their mailroom was way behind and processing payments.
When all the problems happened with the post office that was causing severe delays I believe Commenity bank took full advantage of this to collect late fees. I usually pay all of my bills on the same exact date and the only one that I got charged a late fee was commenity bank and that went on for several months. I have zero control over the issues that were going on with the post office. Everybody in the world knew of the problems with the post office and the extreme delays. It is extremely upsetting that I actually overpaid these thieves and now I have a court date that they want to assume a for almost $900. Luckily I saved every receipt and documented everything. I was harassed by telephone for months on end. I am not sure but I did hear that Commenity bank changed their name which I will look into further because I do not want to be associated with them at all.
Lisa Orr

I had fraudulent charges. They did absolutely nothing to assist- not even putting a freeze on my account UNTIL I COULD FIGURE IT OUT. I spent a lot of time and money on this which should have been handled by them. Don’t waste your time on this bank..

without a doubt the sorriest, inept bunch of clowns at this country store bank. They don't listen are arguementive, arrogant and should not be in business. Avoid them like the plague.