About Comenity Reviews 

They are the WORST! Victoria Secret uses them. I don't use the card often, but my daughter used it recently to make a $25 purchase. I forgot to change my auto payment bank account info after closing my bank account due to fraud. The payment didn't go through so they charged me a $25 late fee, basically doubling the purchase. I requested a waiver due to being a very long term and good customer. They said all they "could afford" was a waiver of $15. I told the rep that Comenity needed to change their wording because "could afford" is an absolute joke for a bank to say. I rejected their $15 because I was told I could not close the card if I took the credit. Needless to say I paid the full $52 (plus $2 in interest) and I have cancelled the card.

Wish I could give zero stars. This is the worst bank ever, hands down. They own the Carter's card that I opened a few years ago (biggest mistake ever). I used it one time about 2 years ago and haven't used it since. About 4 months ago, someone got ahold of my info somehow and used my card to order some kids' clothes and set them for pickup in New York. I'm in Georgia. I started getting billed and I called them to report it as fraud. They said they would take care of it and stop billing me. HA. They have continued to bill me and charge interest, and have now reported it as delinquent to the credit bureaus, making my score take a huge dip right before I'm planning to buy a house. These people are the absolute worst and do not give a sh*t about you. I've called them about five times total and get people who I can barely understand who pass me off then hang up on me. DO NOT open an account with them. You will regret it. I wish I could take it back...literally used the card one time and now I'm severely paying for it. Nobody could get my info if the card didn't exist.

I tried to add my card to google wallet. They had me call a number instead of text message like everyone else in the year 2025. i called and the agent said she sent me a code. i got the code and gave it to her, she said her computer was having technical difficulties can she send it to the other number on the account, i said sure. she sent it and i received it. again she said her computer was having technical difficulties she couldn't enter the code, do we have a third number. i'm not a drug dealer so i said no we don't have extra phones just laying around. so she said that was a security risk and my account is locked and i have to wait for a letter by mail. yes, mail. no, not email. the pony express. complete and utter incompetence.

Is there no legal recourse against an institution such as Comenity Bank... I can add my frustration to all of the other reviews here when dealing with this bank either via their feckless customer service or their complete inability to efficiently handle the Bank's deficient login process. I've stopped counting how many times I've had to change my password - is it possible that a saved password won't work more than once? Yes it absolutely is! Because I've literally had to reset my password every time I try to login to my account. Hard to believe with today's technology and Ai advancements that a bank can be so woefully inept across the board. Other than the usual avenues like The Better Business Bureau, perhaps a class-action complaint or even an overwhelming response to a reputable news agency that could run an investigative story on financial institutions like this one would be welcome. I think this bank holds the record for the highest amount of negative reviews. I've never seen any review collective like it. You'd think the embarrassment alone would be enough to motivate them to do better. The fact that it hasn't, tells you all you need to know about this bank's reputation as it relates to competency, service and care for it's unfortunate customers.

Beware of their billing practices!
I called and was upset about their billing practices, they are taking advantage of people, in their own sneaky way! And I called them out on it...(they did remove the fees, only $20.20 after threats to pay off and CLOSE ACCT) Was told afterwards that..."WE NORMALLY WARN PEOPLE WITH THIS TYPE OF BEHAVIOR"... I was flabbergasted at this comment! I Never spoke badly to him, directly, nor otherwise, I was NOT using vulgar nor threatening words! I was, on the other hand upset, and had every right to be! So, don't THREATEN ME!
I plan on paying off this credit card, and never returning to Kays Jewelry, how appauling! Customer service has eroded! I don't ask for anything, and always pay my bills on time. When I see bad practices on the part of any business, I will call them out on it, I don't like to be taken advantage of, and I try to eliminate this type of behavior so that others are not taken advantage of, then they tell me this, sickens me!
Never again!

I’ve had an incredibly frustrating experience with Comenity Bank (DellPay). I disputed a charge for a laptop that was never delivered, and instead of resolving the issue, their customer support has been unhelpful and unresponsive. They provided me with no clear answers and directed me to different departments that don’t take responsibility. On top of that, their collection team continues to harass me even though the charge is under dispute. This lack of accountability and poor customer service is unacceptable. I would not recommend them to anyone!

Do not bank with them. I had a dental emergency and was offered this program as a payment solution. Given the painful circumstances, I agreed to what was being offered at that time.

Eventually, tried calling customer service to access my accounts because I never received follow up information. I was informed that my name wasn’t spelled correctly and home address was incorrect so they couldn’t authenticate me. For months, I didn’t have any account information and they couldn’t update my information over the phone without proper verification. After a YEAR, I was finally able to update my information and was told that the balance had doubled since I missed the 12-month grace period of the finance offer.

I’ve written emails, letters, and tried to speak to corporate and to no avail. They eventually merged with another bank and I’m still paying on a $2,000 bill that essentially tripled due to the interest rate that was applied on top of the balance being doubled.

This happened in 2022

Bread Financial is perhaps the worst credit card company. Aside from the predatory APR everything else seemed fine until I paid my CC statement online 8 days early on December 20th. I learned their processing system is slow and unreliable. My payment was returned because of a 0, a zero at the beginning of my checking account #. I simply entered my routing and checking acct # the way they prompted me to on-screen, which is the same way it shows on my checkbook. They were basically asking for the zero. In reality the automated system ended up rejecting the payment because of it. I never before encountered this problem with other payment accounts. I wasn’t even notified of the returned payment, but instead after 8 days passed I received a notation at the top of the app screen stating something was wrong with my checking account. Still no indication from them that my payment was rejected. I looked at my bank account and seen there wasn’t a debit made so I assumed the payment was rejected. This was all discovered on the due date. I was able to correct the info on file by removing the 0, and I made the payment again, on time, not late. On December 30th I received a returned payment charge, a penalty of $30. Oh well. Come January 3rd I notice my account is frozen. I must’ve called customer service 5 times about this. One lady assured me the account would be unfrozen on Jan 4th. Obviously that never came to be. I call again and they’re telling me I have to make 3 monthly payments, has to be once per month, and my account will be unfrozen sometime in the end of March. They told me another option would be if I paid my entire balance off they would unfreeze my account. A statement for January is already available, and my new monthly minimum payment amount has more than doubled! This feels like entrapment, a kind of scam. The sad reality is this was my only remaining line of credit and I needed it for survival until I gain new employment. Customer service speaks broken English and they don’t seem to care about the specifics of the situation. They respond like robots from India. I asked for a supervisor and it was all just more of the same. I hear American Express is decent and their customer service is good too, but this company here is renting the AMEX name and not at all providing quality customer care. The severity of my financial situation has me so depressed and worried. I did nothing wrong to deserve having my account frozen for 3 months. I’m just trying to get by, and this company took away my lifeline because of a typographical discrepancy from their automated system. Something that I corrected and was still able to pay the bill on time. Yet this company adds injury to insult. I say it’s a scam because the online image example they provide clearly instructed me to enter the entire account number from my checkbook, including the empty zero at the beginning. It’s blatantly obvious what has happened here and yet customer “care” are cold and dismissive.

Leaving this online banking today after 2 years. Horrible customer service (conflicting information, phone agents giving obscure directions, very slow transfers, etc.) Website is impossible to navigate, and agents are untrained to help over the phone. Never again.
UPDATE 3 weeks later: After pestering me with impossible directions on how to close my account, I finally got the balance back to 0 and will proceed to just forget about this "bank."
Today I got an email from them with directions how to download my IRS documents with the instruction to click on the "view' button on my account. No such button exists. A call to their "help center" admitted that they haven't updated those instructions.
SUGGESTION: Don't even think about dealing with these inept people.

Beware, this is bank and credit institution that you should avoid. The management and customer service don't provide the same information to you, therefore, a conflict will arise down the road. Here is what happened to me.
I am a new customer. I bank on line and arrange my billing via email and make payments from 2 accounts on line. Sometime around November 15, 2024 I set up a payment for $600. I didn't realize the account number had a transposition. After a few days I called the bank since no payment was charged against my account. It was discovered that the account number was incorrect so we corrected this and continued with the payment which went through. Then, I made an another payment of $1,426 to pay off the balance and used my account making numerous transactions through December 19, 2024. Then on the 23rd, of December at a grocery I was embarrassed when my card was denied. When I called they said my account was locked because of a returned check. This is false and there is indisputable proof with the account that this is false. Then I was told I had to make 3 consecutive payments on time for the next 90 days to have my account unlocked. Imagine, a little boy being punished. My credit rating is over 800 and have excellent standing with all institutions. There answer to me was, SORRY, and acknowledged that this wasn't right and I was provided the wrong information when I called customer service to correct the error and was actually told everything is ok not to worry about this. Remember, I used my card over 10 times since this happened but, again, on the 23rd, it was locked. THIS IS THE MOST UNPROFESSIONAL BANK SERVICE I HAVE EVER DEALT WITH. STAY AWAY

Charging unreasonable late fees. I closed the account and was told they would continue to charge late fees

I haven't known a worse bank with horrible, unhelpful customer service and poor everything. The notification system is terrible, and the online UI is awful. My experience with them is indelibly bad!

The worst!! I have 2 promotional balances with different terms. I have to call every month to get a certain amount allocated to my one that is a one year promotion. It takes forever to get through the prompts to even get to customer service, then when I get to customer service, I have to go to a supervisor, who can then allocate my balance. Every month it’s for a different amount of my payment. They are offshore customer service, and very difficult to understand the accent. None of them can explain to me why it is different every month for the balance that is transferred to the 1 year promotion. I am almost fearful they will mess up, and my promotional balance will not be taken care of appropriately. As soon as this is paid off, I am closing the account and will never use anybody affiliated with this bank again.

Horrible credit card company. Would not refund a return even though it was clearly stated it would. I paid the balance on statement and they proceed to continually charge me a late fee... I paid the balance IN FULL!!!! total scammer company. Stay away !!!!!

Very rude customer service. The first 2 representatives didn't speak coherent English. The supervisor Ben I spoke with used an aggressive raised voice and was belittling. I've never been spoken to by a customer service representative with such a nasty tone. What a horrible person to represent this bank. I had to call twice to get my issue resolved because the 1 rst person I spoke with a week before never resolved my issue.

I will not use this AAA card for travel anymore. I have had problems logging into my account and unable to for the whole month of November 2024. Customer service is a bunch of people they hired to take phone calls from home. There higher up staff that are supervisors are just other people at their house taking calls as well. There is no technical person to help or anything! Customer service told me that " we did all we can do". I am still unable to see my transactions.

August 24 2024 : Made final payment of $178.50 through the web portal, with bank account number and routing number for Citi Bank, as I have done for a year.
September 10 2024: I get notified my payment is past due..??.. Comenity agreed to remove the late fee if I paid them with a Debit Card. I agree, I have the money, I give them my card number but my security code is odd, I even questioned the card with Citi Bank when I received it in the mail, 000.
Comenity's system won't recognize that security code & won't accept credit card payment. Their system claims Citi Bank has a freeze/block on my account. I call Citi Bank and ask for verification. Citi can see Comenity is asking for the money but they aren't finalizing the transfer, I have no blocks on my account and I have the funds.
I ask if I can send a check, Comenity agrees and approves my request for no late fees. They inform me of a pending amount of money that hasn't processed yet but couldn't tell me what it was for or give me a direct amount. I tell Comenity I need the card account closed so I never have to deal with this again.
I go on the Citi Bank app and send off the check for $178.50.
September 19 2024: Comenity processed the check. I went on Comenity web portal and my account was "not found", I was not able to sign in and assumed I was done with the company.
November 9 2024: Comenity calls and said I owe $44..??.. OK maybe there was a system error when I tried to check through the portal. I ask what the purchase was, they don't have record. I assume it was the from the last call. I just agree to pay using my Citi Bank account number and routing number. There's no notice of freez/ block on this attempt. I asked to verify my account with them was closed, Comenity said I can "close the account when it's paid in full"..??.. Comenity claimed I now owed $145.
I lost it a little.
Longer story short, Comenity claimed they would "remove the late fees" and that meant I owed $102.60 but since there was the $44 I just paid $58.60 would cover that. I'm furious because they can't tell me a breakdown of the charges, but to get rid of this issue (mind you I have fantastic credit 791, I always pay) I agree to pay.
I call my bank immediately and explain and verify the status of my Citi Bank account, everything is good.
November 11, 13, 15, 2024: I am constantly calling Comenity asking for an update, it's still not processed out of my Citi Bank yet.
November 16 2024: Comenity claims I owe $145 again since the payment was returned.
I am still furious, I have to BEGG Comenity to allow me to send a check again for the agreed amount of $102.60 and it would be 9 days till it reached them. Comenity representative said "you would be charged a late fee and they have helped me with too many late fee charges already. If you would just pay your bills you wouldn't be in this mess. " I fell to the floor in shock, I pleaded with her and she hung up on me.
I called Comenity back and was hung up on 3 more times when I requested a supervisor. Finally on the 4th try, I pleaded and begged crying until I finally got an an "OK, $102.60 plus a $2 fee, $104.60 and we're done."
Immediately went on Citi Bank app and sent the check.

Now I wait... In baffled anger.

commenity bank is harming their loyal clients on purpose.... it is 100 percent wrong and i will try to notify every agency to see how to stop them
i have a credit card with them for 13 years .... i use it and pay it off over and over
but since i did not use the card within 12 months with no warning at all..
no email...no text...no letter no phone call
they just closed the card ....how can this happen
i have a 825 credit score and great 13 years past with all banks
and now i lost 28 points on my credit score the card has a 25,000 credit limit
plus it is listed as closed card by bank as if i was not paying for it
i would love to use the card but they charge 28 percent interest...highest of all my cards
this has harmed me personally and now i have to re apply to replace a card i had for 13 years
i think a class action is necessary in this case..... this is not russia.... no bank should have the power to ruin a persons financial life
when i contacted them they say it is not open to discuss...i have been blocked
i am willing to go to court in person at my own expense to rectify this offense

Fxcking scammers! I have three store cards with these motherfxckers and have them on automatic payments. These morons have been drawing the payments late then charging late fees and interest! Fxcking horrendous! STOP! Check all your cards and if with Comenity Bank, cancel and save! You owe it to yourself to learn from other peoples mistakes.

I have a couple store credit cards with cominity and so far they have not properly taken out the payment as they are supposed to and they make it out to be my fault. I have a payment arrangement with them and they have my card information on file to take my payments but they never take them when they are supposed to take them. They take them when they want to, or not at all. Then when I get a letter saying I missed a payment I have no clue why and when talking to them they can't tell me other then I didn't make the payment. Which should have been taken when I made the agreement. Not to mention I just found that there is a law suit against them. One of my store cards is for a business that is going bankrupt. Once the cards are paid I'll never deal with them again and tell everyone not to