comenity.com Reviews 

Victoria’s Secret Credit Card — Let me first say, they have exceptional customer service. They are very kind and want to help you. However, the interest and the stipulations are unobtainable. I’m an unemployed single mother, I made my payment 1 minute late and I was charged a $20 fee. On top of that, it somehow used my old bank account to make my payment after removing it and updating it, and I’ve now been charged $30 for that. I was charged an additional $50…. For a mistake that wasn’t mine. I recommend people to stay far far away from this credit card. These corporations are money hungry and will take it from single mothers. Ridiculous.

I am extremely disappointed with my experience with Comenity Bank and the way my account was handled.

I had made a one-time purchase through Victoria’s Secret and had a relatively small balance. When Comenity called me regarding payment, I specifically asked the representative for my TOTAL balance because I wanted to pay the account off completely and avoid any interest or additional charges.

The representative told me my balance was approximately $231, so I paid the amount he gave me believing my account was paid in full. I had absolutely no reason to leave a small remaining balance when my entire purpose was to pay the account off.

Afterward, I continued receiving repeated phone calls. At first, I honestly thought the calls might be spam because I believed I had already paid the full balance. Eventually, I received an email and discovered there was still approximately $35 remaining on the account.

This was extremely frustrating because I had specifically asked the original representative for my FULL BALANCE. Had I been told about the additional amount, I would have paid it immediately. Instead, I was left with a remaining balance that could result in interest, late fees, and continued collection calls. Whether this was an error or poor communication, it made me feel as though I had been set up to fail.

I later called customer service to try to resolve the situation and spoke with a representative whose name sounded like “Shenin” or something similar. I explained what had happened and why I was frustrated. Instead of acknowledging my concern and trying to calmly explain the account, she repeatedly told me that I was being rude.

I was upset and frustrated, but there is a difference between an upset customer and someone being disrespectful. Customer service representatives, especially those dealing with billing disputes, should be trained to professionally handle customers who are understandably frustrated.

I asked several times to speak with a supervisor or someone above her who could help resolve the issue. She placed me on hold without properly explaining what she was doing. When she returned, she told me I could pay $35.99, but she did not clearly explain that the additional late fees had apparently been removed.

I repeatedly asked a very simple question: “If I pay the $35.99 today, will my balance be completely paid off? Will I owe Comenity anything else after this?”

Instead of clearly answering my question, she continued saying, “Ma’am, I’m trying to help you. Do you want to pay this or not?”

That is not the type of communication I expect from a financial institution.

At the end of the call, I asked her to spell her name for me, and she hung up on me. That was extremely unprofessional.

I appreciate that the late fees appear to have been removed, but this entire situation could have been avoided if the first representative had simply provided me with the correct TOTAL payoff amount when I specifically asked for it.

Comenity Bank needs to improve its communication and customer service training. When customers ask for their full balance so they can pay off an account, they should be given an accurate payoff amount and clear confirmation that the account will have a zero balance afterward.

Customers should not have to deal with repeated calls, unexpected balances, fees, and disrespectful service because of information that was not clearly provided in the first place.

This experience has seriously damaged my trust in Comenity Bank.

I applied and was told that my interest rate would be high 29.99 %due to credit score, my score is 817. What???
The next letter came the next day said my card is on the way. The card did not come after a month of waiting. I contacted them and they issued a new card and said they would cancel the old card. 3 weeks later I call, no card was received. I get a bill for $1. And with the old account number. So I call they refer me to the website to pay the $1 bill. And told me a new card was never issued. The person who was working with me by phone said they would cancel the account and issue a new card. That was all that could be done. I am seriously afraid to pay that $1 from my checking account. So I will be sending them a bank money order. I want to cancel the account all together.

This is the worst card to own. After paying it off I got another bill for 153.60 for interest. Also when I payed it off I closed the account. So after talking to them payed the 153.60. Also got a confirmation number. Then again this month new bill comes for 67.70. They tell me it's for late fees and interest. After talking to them again. They argued they were right. I wouldn't recommend this card to my worst enemy. Interest insane and not good customer support or service. It's there way only
Rip off

Denied me credit claiming my score is a 482 when it is in fact 700! I also have two other accounts with this bank that I've had for 8-10 years and have stellar payment history! The fact they denied me another account with the years of history I have established and my excellent credit history ... I will be reconsidering any affiliation with them!

Pre-approved for VS credit card multiple times.

Declined each time.

With other cards multiple pre approvals ultimately lead to a yes.

Not to be trusted - skip all of their cards.

The worst credit card company. Something happen in the last few years, one minute they charge for statements the next minute they don't. I never received my statement. Charged me a 41$ fee. I'm done with them.

I opened a Sephora Credit Card in 2022 and have had problems with it ever since.

The card stopped working last year despite my account having a $0 balance and all of my information being correct. I went to Sephora customer service twice, and both times I was told there was “something weird” on my account that had been fixed. It never was.

This spring I tried again, only to find the card still didn’t work. After I lost my wallet, I called Comenity to replace the card. Instead of simply issuing a replacement, I was told they first had to determine whether they could “approve” my request.

I later received a letter saying they couldn’t process it because of a fraud alert on my credit file and that they had been unable to reach me. The problem is they never contacted me—no email, voicemail, or text. They told me to contact Equifax, which I did. Equifax removed the alert, confirmed everything was resolved, and gave me a confirmation number.

I called Comenity back, explained the situation, and provided the confirmation number. They still refused to replace my card.

At that point I closed the account. I’ve never experienced this much difficulty using or replacing a credit card with a zero balance. Sephora deserves a better banking partner than Comenity.

Literally the worst company ever just a bunch of scammers, i went to Kay jewelers for a engagement ring on October of 2024 and they referred me to them for financing and my total was around 3700 after taxes and 18 months of no interest i paid every month on time no issues then in April i get a letter in the in mail talking about i need to pay the full amount 2300 of before the end of May. They ended up surcharging me over 2300 of just interest and now “i owe over 4500 in total” more then the ring itself. I’ve called Kay’s customer care and flipped out on them about it and they were like “well you got a letter in the mail about it go to the store and ask them” well of course they don’t know anything so they gave me the Comenity Bank number and i got to talk to someone and they didn’t care just reading off a script “at the bottom of ever statement says if you don’t pay the full amount by then you’ll be charged the full interest. There’s nothing we can do” so now I’m stuck paying more then what the ring’s worth and yeah people PLEASE DONT GO THROUGH THEM

My husband and I have been customers of legendary pine credit card through community Bank for years or 10 years. Recently we had a fraud alert. We called them up, told them about the fraud alert. They canceled the card. Then we tried to make a payment to pay off the account and they turned around and charged us a bounce fee for $28 and then said that our check never went through. Where on my bank account it says they never even tried to process it. Then when we tried talking to them the lady what does a supervisor argued with me and told me it was all my fault. I will never go through any Bank that is so rude and their employees are so rude. Be warned. We have canceled our credit card and we will never go to this company again.

I've never been treated more rudely in my life. No response to an email I sent days ago. I hate this place, and I'm not doing business with them anymore.

Horrible banking! If i could give less than 1 star i would! For a purchase of $40 i have already paid $140 of late fee!! And it keeps coming back as payment not made! Never even got my credit card to make the payment either but the billing somehow came to the right address! Had to call them 4 times and each time i asked them to close the account and they say they have closed it and am not sure if they are even doing that because i keep getting late payment notice! What a scamw!!

He tenido muy mala experiencia con este prestamista que manejan la tarjeta de Victoria’s Secret, me han hecho cargos los cuales no he autorizado y después me cobran cargos sin dejarme saber, pero si me mandan la publicidad a la dirección correcta. No volvería a usar esta tarjeta nunca más ya que de repente tienes algún saldo de alguna compra que no has realizado o te quedan diciendo que debes uno o dos dólares. Te cobro que no se hizo y te cobran como más de ciento dólares de retardo.

I have a Comenity Worldwide Vacation & Travel Mastercard with a confusing interest rate. I received a promotion for no interest for 6 months. It was explained to me that I only had to pay interest on the balance after the promotion period. However, they charged me interest on the entire amount I borrowed. I was sold a vacation package by a company that worked with Comenity to open an account for me. The loan was for $9,000, and the interest was $1,172.46, which seems excessive for my balance at the end of 6 months, which is only $2,800. I will not give a star for this service; these companies seem to be driven by greed. I will never use this company again.

In January of 2024 I went to Zales jewelers to purchase our wedding jewelry. We purchased an engagement ring, 2 wedding bands, and a necklace for our wedding. The sales associate offered a 24 months no interest purchase on the Zales credit card which I did. I have been paying between $400 to $500 a month ever since without missing a single payment for the past 2 years. I have spent over $15,000 at Zales over the past 6 years and have been a credit card customer since 2016. I had a balance of $2800 left on my card this month. I was charged a $7, 259 interest charge this month because of differed interest which I never heard of before. It was never explained to me that if I didn't pay off the full balance within 2 years I would pay interest on the full purchase price. I called customer service shocked at the bill and the service agent said there is nothing she can do to reverse the charge even if I paid the remaining balance right now. I was going to pay off the balance with my March bonus check now I am stuck with a $10,000 bill. How can I be charged interest on thousands of dollars of payments I already made? I looked at the credit card brochure and it says 24 months of special financing. You have to read through to page 3 of the terms and conditions to see anything that speaks to deferred interest. How can you not inform customers of this massive penalty when they agree to a credit card promotion. I have been a loyal customer for over 10 years and would prefer to stay that way if we can rectify this situation. Upon trying to reach Comenity bank to clarify they do not respond back.

In general Comenity bank practices and associations under different entities are very confusing and hard to access.
Recent bad practice we noticed with Mastercard, Ulta beauty which tricks you to sign to Account Assured. I am sure many other customers have the same experience. Aside from charges, it is disrespect to customer's time and energy to call or go though the process to cancel. This is bad marketing meaning cheating customers. Hope they stop and perhaps Comenity find a better and more user friendly practices. The funny name of Bread Financial associated with Comenity is even more confusing. Do something about it please.

Incredibly deceptive interest rate practices horrible customer service. Arhaus should be ashamed for using them as their financing partner. PREDATORY - BE CAREFUL DO NOT OPEN AN ACCOUNT WITH THEM.

If I could give 0 stars I would. Never ever do business with this credit card company. They are solely an online firm except when it comes to dispute resolution then it is snail mail all the way and the burden is on the customer. If you are unfortunate enough to get a Mastercard from a ComenityI retailer I suggest you never use it regardless of sales or points. You will regret it.

I’m shocked at how poorly this credit card company handled my situation. I have multiple charges from “LUXURY STYLES LLC” that I do not recognize.

When I contacted them, they did not help, did not resolve anything, and simply told me to go deal with the merchant myself. That is not what a credit card company should do when a customer reports suspicious or unauthorized charges.

There was no sense of urgency, no reassurance, and no real customer protection. I am now stuck dealing with fraudulent charges on my own.

This is unacceptable, and I would not recommend this credit card to anyone.

I am writing to express significant concern regarding recent charges applied to my account with Kay Jewelers and Comenity Bank.

Specifically, I was recently subjected to unexpected interest charges. Upon switching to paperless billing, I was not notified that interest would subsequently be applied to the balance throughout the year. As a result, a full year's worth of interest was added to my statement.

I am very dissatisfied with this process and the lack of clear communication regarding the financial implications of opting for paperless billing. I request an immediate review of these charges and clarification on how this interest was calculated and applied without prior notification.