comenity.com Reviews 

RUN!! I would give it a zero if it was an option. NO customer service by phone or online chat. The website is NOT user friendly. As a matter of fact, it is the most cumbersome, non-intuitive website that I have ever encountered.

I never received my order from September.

If I could, they deserve 0 stars!!! I had a Sally's Beauty card backed by #ComenityBank and charged a whopping $53 on the account, which all bills are AUTO PAY. I lost and replaced a debit card and after 2 MONTHS had NO NOTICE from them of late fees and charges that totaled OVER $200!! This is IN ADDITION to my small purchase. I contacted them and explained, and they refused to credit back even ONE DOLLAR, so I have made payments of over $125 now and STILL OWE $146!! If I had taken the time to read the #reviews for this #SallysCard from #ComenityBank, I would have NEVER USED THIS CARD! And for what REWARDS, psshtt!! PLEASE!!! DO NOT USE THIS BANK EVER. I have been charged well over 38% interest and the fees added on make it exceed 265% - I have filed complaints with the CFPB and am working now on an arbitration suit with #FairShake. Their practices are SAD in our economy, DONT DO BIZ WITH THEM< EVER!! Their reviews prove what their bank cares about and they won't be in business much longer with this type of loan sharking deceit being their mission statement!

Hardrock casino is peddling this credit card as a promotion to their patrons. I signed up, got approved, was handed my credit limit and APR and a disclosure brochurefrom a Players Club employee. I was then told to proceed to the cashier to retrieve my new credit card. I was told it was activated and can use it immediately (wrong!). I called customer care 3 x that same day to try to get information on this new card: my questions were, do i need to activate the card? do you have an app? Where do I get a pin? Do you offer cash advances? I got 3 different answers from 3 different males with very a heavy dialect that I had a hard time understanding. No one could help me. I was told a pin should have been in an envelope at the time the casino produced my plastic card, I was told I needed to wait 24 hours to have my registration on their website to take affect, I was told there was no cash advance feature, but another rep said there was...20% of the credit line.
That was day one, the following day on Saturday I called back because the card was declined at the ATM and was locked. The cashier supervisor was surprised the card transaction was declined at the cage since a pin number was not needed. I proceeded to call 2x to customer service at the credit card bank and was told the card was too new, the card was locked, and my registration info on the comenitydotnet/Hardrock was invalid. So, my credit file has an inquiry to some unknown bank that produces credit cards to businesses but with no support, no answers and very very uninformed players club employees that are pushing these cards with a bank with HORRENDOUS ratings!! I am reporting this to the Consumer Financial Protection Bureau

Saks changed CC Processors to Comenity/Bread.
RUN/CANCEL - DO NOT WALK AWAY!!!!!
Never had any probs w/ Cap1 - the OLD processor.
DECEPTIVE - Wanted $2.99 for mailed statements on the ACTIVATION site for SAKS - w/o saying SAKS customers will NOT be charged for mailed statements. The card they sent was faulty...would not work 3X after activation. 45 Minute phonecall to get them to send a new card for the defective one.... I later read Comenity/Bread reviews and decided to CANCEL the card... I called to cancel, requesting a "CANCELLED" letter. My acct is STILL OPEN...I have ALSO sent "SECURE MSSG"s under the "CLOSING ACCT" category..

I would have given this rating a minus if possible that are bunch of thief trying to sabotage people I paid off my card at the store and told them am not using the card all for me to be receiving embarrassing call from them asking me to pay interest on a card I paid off and didn’t use pls pls pls don’t use this card or any card from forever 21 and the unprofessional customer service was so rude on the phone

I am very distressed that Saks has hired Comenity/Bread Financial to handle the Saks World Elite Mastercard accounts. Online bill payments were much easier and user friendly when Elan managed the payments. I could pay my bill in a minute. It took me 20 minutes to pay my current bill. Round and round I went, with demands from Comenity that I update my perfectly good email address. The problem was apparently special characters that did not show up on my screen! The new interface is complicated and AWFUL. I fear what is to come from this new alliance.

They are horrible; I still have to deal with them even after I closed my account because they keep applying a substantial late fee on a zero balance. Their website is not user-friendly, and neither is their customer service; they just repetitively recite policy. Do not engage with the Comenity dance; the 20% is not worth the headaches.

I as of today have suddenly been charged a $487.77 interest fee on $600 balance without notification. I have not been able to access the card that floor and decor stopped using while I had a balance on it so I have not been able to pay it off as per usual. It will only take the minimum due auto draft. I can't access anything, it won't another to card exists and tried to only get me to sign up for a new one. They were of zero help to me and said they would not reverse the charge and that they sent emails I never received. This is fraud to not allow me to access the portal to pay off before the year end. It's entrapment and shady. This is the first time I was able to get ahold of a human being and they took zero accountability for trapping me so they could take advantage. Do not ever use Comenity Bank for anything. They lie and cheat and take all your power to make double payments or pay off the balance in full as I always have. This is horrible business and they will take advantage of you!!!!!!

AAA betrayed us by selling their credit cards to Comenity "Bank." I put a small charge on the card to keep it active and should have just let it lapse. The website didn't work properly and wouldn't add my payment info, so I was a day late paying it and there was a $25 fee. I am NEVER late on anything, so called them to tell them I would cancel the card, but the customer "service" rep said they would take off the fee next statement. Surprise, surprise, it's not gone. I have tried to call their customer "service" number and get transferred to dead air. Somehow I don't think anyone is there. I just want to cancel the card but I object to paying a $25 fee because their website didn't work properly. However it might be worth it just to get rid of them forever. I somehow doubt I will ever hear from them. My phone has been on dead air for over 17 minutes now.

The most sleeziest bank ever.

I bought my house in October 2020 and tried to change my address with Comenity bank for my credit card several times. I called and wrote the new address on my payment stub. Still they would not change the address.

I paid off my credit card account in full with Comenity Bank at the Lane Bryant store because I was not getting my statement. Comenity Bank charged me a $9.52 late fee. It was not my fault the payment didn't arrive at the bank on time. Maybe there is a flaw in their system!

When I contacted Comenity Bank, they would not waive the fee, and they continued to charge me late fees on the $9.52. They would not work with me because they said the $254.03 had been turned over to collections. I do not even owe this debt, and it is continuing to affect my credit score to the point where my home insurance doubled and is now $450 more a year.

I'm sorry, but this is a fraudulent charge to me, and Comenity Bank has unethical business practices.

This bank harassed me to pay it, they made collection calls and have been rude and distrustful even though I paid my account in full and closed the account.

Comenity is the worst credit card company in our country. When you call for information, you can only speak to a person who speaks very broken English.

I never even received a credit card from them, but I kept receiving bills with added service fees. They kept sending bills on two different credit card numbers.

By phone, I canceled whatever card they assigned me, but their computer system keeps adding more service fees and interest on a card I NEVER RECEIVED!
I have written three letters explaining this problem to this company but never receive a response!

I will not pay this bill; it is for a bogus account listing a bogus card, from a very disreputable company.

DO NOT DO BUSINESS WITH THIS COMPANY!

Trying to do the right thing doesn’t work with Comenity, I had a balance due that I paid in full to take my account to a zero balance on the due date! I started receiving calls from Comenity saying that because I paid the balance after 5 on the due date that a late charge was added to my acct, and now a late charge has been charged to the late charge and on and on!!! I do not understand how if I paid to a zero balance on the due date how can you charge a late fee because it was paid after 5, last I checked a date stays the same until 11:59 pm!!,

High interest rates. Been paying off this balance for wayyy too long regardless of paying more than minimum payment due. Very difficult to even get into website. States my password is wrong EVERY time. And need to do a verification and change password EVERY time. Poor service overall not worth it.

Worst customer service I have ever spoken to. They are condescending, disrespectful, and careless. When I asked to speak to someone else, they said that there is no one else. Asked for senior management - there is no one else. Asked for the executive department - there is no one else. Asked for the legal department number - "There is no one else and what we say goes." Maybe their customer service representatives are attorneys; I mean, they must be if they are citing laws. Jared and Comenity Bank will never have my business again. It must be an anomaly that they have no record of me making my final payment and are sticking me with $4k in expired promotional interest. When offered to pay in full immediately, like I thought I had, nope pay all interest.

One star because zero star is not allowed
I pay 4 time’s payment by accident then I call aaaa visa they agreed to reimburse my 400 dollars then they freeze my account when I called they said you have to pay 550 a months I will never do business with this scammers I wondered all one stars I am calling BBB

I was offered a Ulta card . I learned from a previous Cc never get a store card again .
I looked up the reviews with Comenity bank and they were atrocious . Beware always look at reviews of the bank .

I have not had or used a Pier one Card for over ten years. In November of last year received a bill from TEN years ago that was payed in full. TEN years ago! after many phone calls and letters no resolve. How do I receive a bill on a ten year old charge?? FRAUD! I received a letter back stating there will be no extra charges or interest charges until it was resolves and that was January of this year.. two supervisors agreed that there has not been a charge since 2010.FRAUD

CONSUMER FRAUD: FILE WITH YOUR STATE’S ATTORNEY GENERAL’S OFFICE & RECORD YOUR CALLS WITH COMENITY CUSTOMER SERVICE AGENTS.
They acquired AAA Visa credit card from Bank of America. Since the acquisition, six months now, their website rejects access to register for access to my CC account. I have spoke with customer service numerous times wherein they state they are “upgrading their system and just keep checking back”. I was told paper statements can’t be sent to me until I register on their website. People are led by example, it is glaringly apparent Comenity is led by MORONS.
My consumer fraud complaint has been filed today with the STATE OF OKLAHOMA, ATTORNEY GENERAL, GENTNER DRUMMOND, CONSUMER FRAUD UNIT.