About Comenity Reviews 

Never trust this credit card. I opened it at Victoria's Secret store by mistake. I did not want to open this credit card, but the cashier offered it with a discount even though my purchase was only $44.95, not reaching the $50 to qualify for the bonus. I never received this credit card and made a payment by phone well before the due date. I even received a confirmation saying, "Your payment has been processed." However, after one month, I received a call from a private number, which seemed very suspicious, asking me to pay around $60 (I forget the exact amount). He said he had my information and could reduce the payment to around $30 if I agreed. Concerned, I called customer service and was told my first payment had been declined by my bank, so I had to pay all the late fees and interest that had accrued. I explained the situation and asked to just pay the $14.95, but they refused. So, I reported it to the CFPB, and they partially waived the fee to $15.44, but I still received a statement for $53.36. Indeed, this time I received it by mail. I called customer service again to confirm the payment and stated I would pay by check this time to keep a record of it. The representative told me I would incur another late fee if I paid by check, so I had to confirm my routing and checking numbers with her again. She told me she could not guarantee anything about the payment. She also mentioned there might be minor interest charges that I would need to watch for, even though I had already asked them to close the account. I requested them to send the statement by mail to two addresses, but they refused. Trust me, never open it; it is a disaster that you can't easily escape. I even suspect they purposely create late payments and then have someone call you every day from a private or spam number. They won't offer email contacts and limit phone calls to only payment-related functions. I hope someone with a legal background can expose them and put an end to this nefarious business.

Avoid these predators. Had an Academy Card issued by these people. I errantly missed one payment by a day. Always paid at my local Academy Store. Well later on they failed to process another on-time payment and I failed to keep my receipt from Academy. My bank showed nothing processed so they dinged me again. I paid the account in full in January and asked them to close the account. They verified via email my account was closed with a $0.00 balance. They have continued for 6 months to bill me on this closed account. I made a report to the BBB and they replied through the BBB that they don't handle complaints through them, I would be contacted directly by them. Within 2 days they retaliated by adding 2 more negative reports to my credit report. One 60 days late and one for 90 days late. No correspondence at all. I have written them with their confirmation email on the closed account attached. We'll see. If they don't straighten this out I will gladly drive to Ohio for a civil suit.

If there's less to a 1* rating that would be the choice. In response, says "first private fraud." Shame, there was no charge for a retailer.

Promotional sales will get you in the end every time. Unless you're one of those people who look at every statement, be aware of the promotional sales. It will be your downfall going with this company.

They hate people!
$2.99/ mo for a paper bill was the last straw!

After filing a Better Business Bureau complaint against Comenity bank they refunded the 875.00 intrest fee they hit me with after their online banking system lured me past my zero financing deadline. I filed the complaint after their rude customer service department
refused to help me. Comenity's online payment system improperly lures Room Place customer's with zero financing into paying minimum payments that lead them passed their contract end date then socks them with a 30% interest fees. In my case I was hit with a 875.00 fee the day after the online system advised me that no minimum payment was due. Comenity bank's online system should honestly and correctly provide the true minimum payment due at the end of these zero financing loans. Don't say the minimum payment due is zero when it actually 100.00 or whatever the true balance is. I appreciate the bank refunding my money, but they must serve good paying customers better if they want to continue doing business with us.

I took out an Ulta credit card one day at the counter because they told me I would get a discount on my purchase blah blah blah. So I paid my balance in full. I know how credit cards are so I actually called Ulta and asked them what my total balance was, including all interest and they gave me a I know how credit cards are so I actually called Ulta and asked them what my total balance was including all interest and they gave me an amount. I paid that amount in full while I had the person on the phone. Come to find out the following month. I had this two dollar “interest charge “. I asked the guy on the phone when I paid the bill in full What was the total amount of the balance and if there would be any other interest and he told me specifically NO. I thought it was good. A few weeks later, I get a bill for two dollars “interest “. I called them up and I explained that I had already paid the bill in full with their representative from Comenity Bank on the phone and they told me they waived that two dollar interest fee and I had a zero balance. OK, Two months later I get another bill in the mail saying that I owe $2.93 in interest and if I don’t pay it by , a date that passed by three days, I owe them $41 late fee. I called them up and told them to go to hell. I didn’t make any purchases on that card for two months after I paid it off and I had a zero balance so why in the hell were they charging me interest when I had a zero balance? This is complete BS!!!. I went through two managers who waived the initial two dollar , fake interest charge the first time. Then I had to call back two months later because I got another bill saying I owe $2.93. This is complete BS!!! . I made no purchases and I had no interest. I had a zero balance. For two months I had a zero balance. Comenity Bank is a bunch of scam artists. They Intentionally do this to try to get fees out of people for “interest fees” that they don’t owe. I’m not putting up with it. I canceled my credit card account and told them to stick their card up their ass and I made them send me something in writing telling me that I closed my account and I have a zero balance. I’m keeping that piece of paper and I’m nailing it to the wall. If they try to stick me with another $2.93 “interest fee “I’m going to stick that bill right up somebody’s ass sideways . And I’m not joking!!! B

The customer representative from Comenity Bank was very rude, her name is Hope Jordan and due to her behavior I closed my card today. The bank should take strict actions against her. I apologized that I never received my statement for this month so it slipped from my mind to pay the bill and now I have been charged late fee on it. Is it possible to waive the fees one time as a courtesy sake, on top of it the representative said it is the customer's duty to pay the bill on time even if we aren't sending the statement (and her tone was very rude...)

Worst company I return a computer back to dell and they refused to dispute the charge and told me I need to make a payment to cover the $20 but I refuse and I haven’t received a full refund of $359 from this company yet

Liars and crooks! I paid my balance off on 12/31/2023. Over the next 5 months I was charged late fees and interest on those late fees. I called each month to resolve the issue and was told it was taken care of but it wasn't. I ended up having to pay 3 late fees and interest charges just to close the account and be done with these criminals. Never again!

!!!!!WARNING !!!!! STAY AWAY WORST COMPANY TO DO BUSINESS WITH all they want is your money and they will get it anyway they can with all the random late fees and interest charges do yourself the biggest favor and stay away don't get sucked into this horrible horrible place there is no customer service just people who will day we can't do anything your screwed and have a nice day . The absolute worst place I have ever done business

I have a couple of store credit cards through community. It’s like they’re trying to get you to miss a payment. They send zero emails or communications that you’re bill is coming due and you don’t have a payment scheduled, they wait until they can charge you the late fee and then they call. I get that I should remember to check if I have a balance but I never carry balances so sometimes I miss one. Thanks to their lack of sending any communication, my near perfect credit score dropped over 60 points because of 1 missed 32 dollar credit card payment with zero emails or phone calls until it was too late

I spent $1500 at big on tires on four truck tires and four RV tires. Two of the RV tires blew out on a busy highway one month after purchase. I spent another $600 to replace the two tires. I explained I couldn't afford the payment that month and would be late. I was bombarded with calls daily. Even after I spoke with several people. Then I received a $40 late fee twice. Harassment calls were at least ten times a day, again, even after I answered several of them which is illegal.

RUDE!!!! The agent I talked with was very aggressive! I could hear the anger in his voice when I told him I couldn’t pay my balance at the time. He then continued to argue with me. I hung up in his face. Two different agents told me different things. He was very rude and ugly. I wish I would have gotten his name.

Comenity Bank is the worst. Closing all my accounts with them. They say they can't process my payments with my checking account number yet I have no other issues with online banking with any other company. They continually say they can't fix it on their end nor do they try to remedy it. They have the worst customer service and should be put out of business for consumer fraud.

IF YOU WANT BAD CREDIT AND TERRIBLE CUSTOMER SERVICE THIS IS THE CARD FOR YOU!EVER SINCE THEY CHANGED THERE BILLING PROCESS WITHOUT INFORMING THE CUSTOMERS THING HAVE WENT DOWN HILL Drastically . EVER COUPLE OF MONTHS ILL MAKE A PAYMENT AND IT WILL JUST DISAPPEAR OUT OF KNOW WHERE IT TAKES 5 TO 8 DAYS FOR IT TO COME OUT OF MY ACCOUNT ANÐ IT WILL LITERALLY BE PENDING ONE DAY AND COMPLETELY GONE THE NEXT. THE CONFORMATION NUMBER THEY GIVE YOU WILL JUST NOT BE CONNECTED TO ANYTHING AND THEN U WILL HAVE A MARK AGAINST YOU ON UR CREDIT AND A LATE FEE . THEN THEIR CUSTOMER SERVICE PEOPLE WILL SAY WELL WE SEEN YOU AND WAS IN BILLING WE WILL GIVE U A ONE TIME WAVE OF THE FEE AND NOT PUT A MARK ON YOUR CREDIT IF U CAN PAY DOUBLE NOW WHICH I DID AND GUESD WHAT STILL CHARGED A LATE FEE AND STILL GOT THE MARK AND THIS HAS HAPPENED 3 TIME SINCE THEY CHANGE THERE PROCESS IF U DONT CALL EVERYDAY AND MAKE THEM DOCUMENT THERE IS A PENDING PAYMENT EVERY DAY TILL IT DISAPPEARED UR SCREW WELL ACTUALLY I DID THAT AND STILL GOT A MARK ON MY CREDIT I CALLES EVERY DAY THEY KEPT SAYING IT WAS PENDING THEN THE 6TH DAY IT WAS JUST GONE SO THEY DID WAVE THE FEE THAT TIME BUT I STILL GOT A MARK ON MY CREDIT EVEN THOU I PROVED IT WAS PAID AND THERE WAS NO DECLIENED CHARGES ON MY CARD FROM THEM IT JUST DISAPPEARED LIKE CAPSER THE GHOST

I purchased a ring for my wife and me from Kay Jewelers. The first engraving on the ring was terrible. We were shown a beautiful engraving on the picture, but when we received the ring, the engraving was hard to see. We asked Karen, the associate we purchased the ring from, to fix the engraving. However, after a week, our ring was returned with the same engraving, and according to the Kay Jewelers associate, it had been fixed. My wife was upset about it, but since we did not have time to return the ring and wait another week.
Upon purchase, we were offered a Comenity Bank credit card to cover the cost of the ring. Unfortunately, we were not told that after some months, I would be charged almost $1700 in interest. I called Kay Jewelers to inquire, and they redirected me to Comenity Bank to resolve the issue. Comenity Bank staff noted all the information I provided and asked me to call back the next morning. I called the next morning and spoke to a supervisor who said, "I can see you were charged interest on your purchase, which you will have to pay." I asked to speak to the manager, and I was told the same thing. After bouncing back and forth between Kay Jewelers and Comenity Bank, I decided to contact the CEO of Comenity Bank, Robert Bowman. I wrote multiple emails to him, but I never received a response.
In total, I have been charged more than $3000 in interest and still going on, which was never explained to me. Whenever I contacted Kay Jewelers Manager Karen, she never acknowledged my complaint and always redirected me to Comenity Bank. This was frustrating because Comenity Bank supervisors, Valerie, Dawn, Nikki, Ashly, and account specialists Latoria and Jeanine had the same answer for me: that they could not help me, and I needed to contact Kay Jewelers to resolve my issue. This issue caused significant problems in my relationship. In conclusion, making the purchase has cost me double than the original purchase.

If 0 stars could be provided I would. Had processed two payments online in order to ensure that the account was paid off prior to the promotional period ending. Made sure that the matter was handled and to my surprise the second payment made disappeared. I called and spoke with representative Alfonso ID #A828264 and after speak with Alfonso and Supervisor Michelle who refused to provide any identification and even refused to come on the line to speak with me was advised that there was nothing that could be done and the interest they tagged onto the account would stay. They are horrible and I would never recommend them to anyone. They have no integrity .

This is the worst credit card company I’ve ever used. I’ve had my card for many years and just the past year suddenly when I try to pay my bill on the website it tells me it cannot find my account, locks me out and makes me reset a password every single time I log in. Then for days it tells me it cannot find me under my credit card number and last 4 of SSN until my bill is past due then suddenly I’m able to make a new password and my account can be found. This company is a freaking joke. Once I pay off my line of credit I’m closing the account and never using them again.

HANDS DOWN THE ABSOLUTE WORST BANK I HAVE EVERRR DONE BUSINESS WITH!

I got a Lays card when I purchased my wife’s engagement ring, and ever since they have been sending my statements and everything to an email address that I have never even heard of before.

Not only this, but when you call and speak to any agents they give THE WRONG INFORMATION! You can not track anything through an app. They are living in the 90’s still apparently.

they are LIARS and very disrespectful to their customers on the phone as well. I don’t plan on hurting my credit, so I will keep the card. But I will NEVER USE IT AGAIN, and I will never refer this bank TO ANYONE.

HORRIBLE/DISCUSTING/TRASH/WORST BANK EVER!!!!!!!! Tell EVERY ONE TO STAY AWAY!!!