About Comenity Reviews 

Horrible banking experience. Couldn't get my name and email updated after multiple petitions to do so. Trying to pay my payments through an absolute nightmare of an app experience. Ended up in collections twice because they wouldn't change my information. The final kicker was paying up to date to be told I was one day to late and would receive additional late fees. Would not waive it even though I had tried multiple times to correct the situation. Will never work with this bank again.

Absolutely THE worst. They make it hard as possible to pay the bill. Oh, you can pay by phone, for a $9 charge. Had a check sent to the a month in advanced, only to show it not received, until 2 days after the due date, and they tacked on a $30 late fee. Want to talk to a human? Forget that, not available. Can't wait until the balance is paid off so I can shred everything to do with Comenity.

Just absolutely terrible. They cannot get anything right, and seem to take pride in it.

Sadly, this company is quite delinquent. Ann Taylor uses this bank for their credit card. I went to make a purchase and discovered my card had expired on 10/25. They did not send out the new card. What company doesn't stay on top of keeping their customers' credit cards from expiring? I called to request a new card. They said it would take 48 hours. This was on Tuesday—then the weekend came and went; still no card. I called again on Tuesday, a week later. I'm not sure what happened to the 48 hours, but the representative said 7-10 business days. Not understanding their delay. I'm missing sales this holiday season and lost out on items that sold out. It's my birthday month as well; wanting to cash in on the sales, but can't seem to. By the time I get my card, it will be 3 weeks later from my initial request. I told them once I make my purchase, I'm out. I'm canceling the card. I've been a on-time paying customer for years and they can't get their act together to stay on top of processes. I requested them to overnight my card after this botched effort. And yet, they wouldn't. Who wouldn't try to keep their customers? No effort was made!

The familiar "If I could give zero stars" applies here. I wish I would have seen the Google summary for this company: "Comenity Bank, now part of Bread Financial, receives overwhelmingly negative reviews from customers, generally earning low ratings (typically 1 to 2 stars) on consumer review sites like WalletHub, the Better Business Bureau (BBB), and Trustpilot." Yes, they are predatory. The return of a $60 backpack and the due date for my payment crossed, yet they insisted on charging late fees. So I ended up getting a $60 refund for the backpack, but paying $85 in late fees for absolutely nothing. After persisting and insisting to speak with a manager, they gave me a $33 dollar credit. But when I had paid the rest of the balance and I got my next statement, they reversed one of the $15 credits and I was charged an additional $10. I have very good credit and I'm tired of dealing with this situation, so I paid the $25, waited 24 hours and closed my account. Please don't learn the hard way. Learn from me and do not have anything to do with this company. I will also not walk into an "Academy Outdoor and Sports" store again. You are part of the problem by working with Comenity for your credit card. Hopefully both Comenity and Academy will end up in a class action lawsuit.

Condescending Crooks! Made up a fraudulent late charge to ensure there was a balance at the end of the promotional period to ensure there was a balance that triggered over $1000 in interest due. Then with an unknown balance I did not receive a notice until an email showed up saying that they had reported me to collections that will negatively affect my almost 800 credit score. Unprofessional! Condescending! Rude! And almost proud of it!!!!

Comenity Bank is hands down the worst bank I’ve ever had to deal with. They don’t care about their customers, they don’t care about loyalty, and they definitely don’t care about providing real support. Every interaction feels like talking to a robot - scripted, unhelpful, and completely dismissive of your concerns.

It’s clear they value systems and policies over people. I’ve never felt so ignored or frustrated by a financial institution. If you’re considering opening a store credit card that uses Comenity, save yourself the stress and go elsewhere.

Their security and privacy practices are abysmal. When I tried to pay off my account there, I had to do it by phone, not online. Their payments website is not https compliant nor are their communications respondable to.

This has to do with Comenity issuing the IKEA credit card. Just DON'T as someone in governement said not too long ago (just hope you all listen.) There is zero customer service via phone.

Comenity asks applicants to verify their identity when there's been a credit lock by them - fine. Then Comenity asks one to EMAIL THEIR PRIVATE docs to Account Protection Verification at breadfinancial dot com and while that sounds legit, there's no secure upload portal for BREAD FINANCIAL in 2025? Just don't go there with this company.

Only giving 1 star since this site won't let me give 0. In the ~10 months I have put up with their awful service, they have randomly deactivated my account THREE times due to faulty "fraud" alerts. The first two times their account security team was able to immediately lift the deactivation; now they are randomly asking for a bunch of ID scans and are estimating it will take 2 to 4 weeks to reactivate. Truly the most incompetent company I have ever dealt with; stay well away if you value your sanity.

They seem more concerned with trying to obtain late fees than resolving disputes.

They also seem to provide ones PII (Personal Identifiable Information ) to third party collection agencies… .

Stay away! Communication and organization are lacking. I do not suggest or recommend this service. The level of service is low, and the organization is poor. It is just not good. Stay away!

I wish i can give 0 for this bank bad ugly people i never face this with chase or any other bank

If I could give their customer service -star I would. Very unprofessional customer service representatives and supervisors. Would not listen to customers concern and talk over customer. Closed account immediately and will never open an account at another store that uses this bank for credit service.

The bank seems to have a minimum payment of $37.00. No matter if you owe $70.00 or $100.00. Since I don’t know this I paid half of my bill ($35.00). There is not a past due amount on the bill. But they charged me a late fee since I owed them $2.00! They are absolute crooks. I’ve called and spoken to several
People that only read policy to me. They don’t know anything and are unhelpful.

I purchase a few "over-priced jewelry" at Kay Jewelers in Springfield, Ohio but for whatever reason, I agreed to apply for a credit card at community bank when I should have paid cash. Anyway, I decided to pay the full amount and I guess the payment arrived in Texas a day late. They charged me $30 late fee. For one day and paid in full. Now, they are calling me 4 times a day and leaving messages on my voicemail and letters with a $30 bill. I paid them over $4,000 for the jewelry and this is the respect I got. I called them and explained that I paid in full and just because it arrived a day late in Texas should not be an issue. The girl got rude and said, "You owe this money." I don't believe I do. I give money to people, $5,000 here $300 there and I do not expect it back. And to treat me like a person with no value. I'm not paying $30 to a Bank-Jewelry company that probably has a lot more money than me. I give them a 0 star if I could. Them and Kay Jewelers in Springfield. They have lost my business for life.

They just hit me with $1,100 in deferred interest. No warning whatsoever. Turns out I paid my bill a day late a bunch of times and they charged me $40 each time. That's completely understandable but I was never notified i was being charged a large fee every time. If I had known about the laye fees I would've made it apoint to never be late. Their $400 in late fees took me over the due date for deferred interest. Who the heck charges late fees for one day late though? Comenity, that's who.... I have every credit card there is and pay them a day late all the time. I have never been charged a late fee for being a day late.

I financed $2,700 and will end up paying $1,500 in fees. Over half of the value. That's predatory in my opinion. It really put a stain on our engagement rings.

To top it off I'm a long time customer of Kays and have spent a lot of money with them. My fiancé loves their stuff, and has a bunch of stuff from a couple different collections. No more Kays after this though.

Comenity manages the store card for Talbot's - and an absolute nightmare to deal with. I have a $50 credit balance and they will NOT refund it. They continue to reference a .20 check sent over a year ago (that I never received.) They sent it again, I cashed it per their instructions, in order to get my $50. Now they insist I "received a refund check" and they can't send another.

Terrible bank--made a payment of $63.55 3/14/25--they did not get it until 4/9/25 & charged me a $30 late fee--now it is up to $63 on 6/2/25--I called a supervisor
& he said they gave me a one time credit in may for $15 (which never happened)
& he won't waive the $63 (which is only late fees & not for merchandise)-- never
Use this bank.....