Comenity

Due to the multiple violation of federal laws & regulations we had to file a complaint with multiple government agencies. They all pointed us to the Consumer Financial Protection Bureau. We detailed 14 violations of federal laws & regulations that Comenity Capital Bank made during multiple disputes as well as detailing how they have not proven the fraudulent charges are valid.

Comenity Capital Bank lied to the United States government in their response. Comenity Capital Bank employee Ashley Sims basically stated they investigated themselves and found that they didn't violate federal laws & regulations 14 times yet she didn't address any of the violations we detailed with dates and names of employees that admitted the violations.

Ashley Sims stated that the Smile Spa of North Jersey, the dentist who submitted $13,200 in fraudulent charges. "advised" Comenity Capital Bank that they had in fact done work exceeding the amount they received. Ashley Sims offered no proof as required by federal law under the FCBA & Regulation Z but because they were "advised" the charges were not fraudulent that was proof enough.

Ashley Sims stated that they were providing Monetary Relief by refunding the illegal late fees and finance charges that they fraudulently put on our account during multiple dispute investigations that they broke federal laws & regulations by adding to our account.

Ashley Sims stated that in the "interest of customer service" they submitted a request for the credit reporting agencies to remove the delinquency from the consumers account that was illegally added. Comenity Capital Bank violated federal laws & regulations by reporting the consumer as "past due" during a dispute investigation so this was not done in the interest of customer service at all. It was done to reverse illegal activity and Comenity Capital Bank needs to be held accountable for there actions.

We have sent Ashey Sims lies to the United States government to our lawyer for review and again stress that no one should even think about applying for a credit card with this company.

This is a scam, not a bank! They send links that looks unrecognisable and similar to spam. Their customer service sucks! I had a small amount that I forgot about to pay on time. I tried to reach their customer service & I got hanged up on twice. I had to figure out my own how to pay & made full payment in a very short time considered as delay. Even though I had paid they got 100 points of my credit score in negative. I tried to reach out again seeking to resolve this issue as I paid already all balance. Their customer service said "there is nothing we can do!" AVOID dealing with them by all means!

Comenity Bank mailed me a pre-approved Bread credit card offer. I filled it out promptly and after two weeks they sent me a letter that they couldn't verify my identity and was thus declined. I already have about 20 other credit cards and an 810 FICO.

Avoid Comenity or Bread credit cards!

Bad communication resulted in over $350 in interest charged when a promotion came to an end. They buried the end date on the bills they sent, and they did not notify me that the promotion was about to expire. This was very deceptive. I paid the entire balance, but that extra $350 will cost them thousands in potential future sales. This "bank" operates questionably, and there are many reviews to support this. They will lose business for using such practices. I hope that $350 was worth losing a customer forever because this will be the last money I spend with them.

I never know when a charge on my comenity MC will be rejected with no explanation. I've always been in good standing with my account. I took extended family out to a birthday dinner, card was declined. Went on vacation and my card was declined at the hotel. Tried to order $50 total of safety flags online today, card was declined. All the representative could tell me was the bank rejected the charge. No specific reason. I'm done with this card.

Comenity Bank for Ulta's MasterCard is the WORST EXPERIENCE I've ever had. This is my girlfriend's CC just from this past Christmas, she had to go out of the country on an emergency, so I was trying to pay her bill. I jumped through hoops on the website, listened to automated advertising messages over and over... Had to call the bank, got tossed around, and then finally was supposed to speak with a human. She told me she could take the payment, but wouldn't tell me how much was needed to pay. So, after some time I was able to get my girlfriend on the phone. She proceeded to tell us today was the due day and then that we were just a little late, so there was a $30 late fee! She wouldn't remove the late for being an hour late, after I had wasted 3-4 hours. And, after we finally called South America, to verify the info, she tells us this. UNREAL. DO NOT get the Ulta CC, even if it saves you on the purchase.

Had fraud on my credit card. Long story short, they did absolutely nothing to help. Not even freeze my account to prevent further damage. Hours and hours of aggravation and several hundred dollars lost. Do yourself a favor, stay away.

I paid my Payboo B&H photo store card off. A late fee was charged to my account after I paid my bill. Not knowing the late fee was due next month It never was paid for 3 months. I call customer service and ask for a 1 time late fee waived curtesy. They refused. I canceled my card account. They are to greedy and ruthless. Do not buy from B&H photo. They do not have low prices and you will pay more in credit card fees.

I have never been on hold for so long, been transferred and disconnected so many times, with NO ONE willing and able to help me. I would rather deal with my cable company or an airline customer service. I haven't even had this card 10 full days and I'm already planning on canceling it. They promise 20% off your first purchase which they will not give me. They said it had to be the day I opened the account which they did not send me any email confirmation. I don't even believe this is a real company. Please do not fall for their scams!

I set my account up to be drafted automatically every month. They take the payment well after the due date and then charge you a 30 dollar late fee. I paid them off and cancelled my account. You've been warned! Stay away from these crooks!

Alerts are a very important thing to have with a credit card. If any of my other cards get hit with an unauthorized charge, I know immediately. Not this one. This one I have to check the web site every day if I want any such security. I have alerts set up for both text and email (obviously the SPAM folder is not an issue). They worked until seven months ago.

The web site "Alert History" lies in that it shows all alerts being sent.

First I wrote customer service to let them know. They responded by confirming that alerts were set up. Then they proceeded to explain to me how to set up alerts.

Then I called the customer service number. They confirmed alerts were set up correctly and could not explain why I was not getting them.

At one point they told me my account was affect by "temporary maintenance". Then when I explained that it has been broken for 7 months they back-peddled off that.

The obvious solution is to just close the account and not deal with these incompetents. But I am kind of stuck in that I got this card through Caesars Rewards and need it to help maintain a certain rewards status.

Caesars needs to switch banks for this promotion.

After claiming I'm a valued customer, they reduced my limit from 1250 to 300. No warning, no explanation other than the credit bureau sent them a letter. Lies. I've paid this card off twice, my balance was like $300, and I may have been late 4 times in the span of 5 years of having this card. This is BS, and they know it. I cancelled the card, very frustrated with this company.

I have requested a pin to be sent to me three times now and was told it would be mailed, each time they tell me one is on the way and it never shows, what good is this card for me when I needed it to go out of town and was going to use it for some extra cash! No one had an answer as to why my card wont work other than we can send you another... What good is that when the first three pins haven't shown up!

Do not bank with this bank. Do not open a famous footwear credit card. They routinely mailed statements so there was no chance a payment could be made on time. Charging multiple late fees. Even after I paid the balance and closed my account I continued to receive payment collection notices. When I called they said it takes 7-10 business days to process, in the meantime it seems like they added new charges even though I've not purchased anything new and my account is closed. More fees?!

Just stay away.

There are usually good reasons when a business fails to earn accreditation:
Comenity is a prime example. Its sleazy practices factor precludes any chance
The naive consumer has for expecting ethical treatment. What compounds the
Problem is its penchant for hiding behind the reputation of well-known companies (e.g. Williams Sonoma) who offer Visa credit cards in their names
That are managed by Comenity Bank and subject to its mafia-like fine print policies. How this company continues to operate needs to be seriously investigated by federal authorities.

A Customer Service Agent Told Me If I paid $100, $50.00 dollars a month for March 2024 & April 2024 My Account would be restored & taken off Credit Karma Which Never Occurred The Customer Service Representative Deceived Me Into Thinking What They were telling me was the Truth When It was The Farthest thing from the Truth.Do Not Do Business with Bed Bath & Beyond Formerly Known as AKA Comenity Bank They Are The Biggest Liars & Are So Deceitful I Will Never Do Business with this Company Again...

I have been screwed over twice now by Comenity Bank. DO NOT TRUST THEM when they say they've closed the account or cancelled the card after you've paid it off. Twice now I've paid my balance in full, and then months later was strapped with some random surprise late payment, because it accrued interest. Interest ON WHAT, a 0 balance!? I paid it off. I closed the account. I cancelled the card. How can there be interest on nothing!?! I had a near to perfect credit score, and 4 months after paying off & closing everything, my credit is hit by some supposed late payment of interest that accrued on a zero balance closed account? Never trust this company, unless you want to get screwed. Apparently they've been sued for this exact issue already. Nice to know nothings changed.

I had a Victoria's Secret credit card through Comenity. I missed one payment and they called my father in law, my sister and my husbands grandmother on hospice in a nursing facility trying to get in touch with me. I do not even know how they got all of these phone numbers because none of these numbers are on my account. They continuously called and left messages. This is harassment and unacceptable. I paid off my card and closed the account. Now I'm getting phone calls from them because my mom missed a payment on her card. This is ridiculous and never ending.

This bank is a nightmare. They acquired the visa card accounts from AAA auto club from Bank of America.
I had those AAA Visa cards for many years and everything went smoothly with Bank of America.Once Comenity Bank took over it's been a nightmare. They changed billing dates, renewed the wrong account and are impossible to reach. I have a credit score of over 800 and have never had a late payment with anyone in my life. I closed any credit card that was associated with Comenity. BJ's wholesale ceased doing business with them as of January 2023 because they were unhappy with Comenity. They are now trying to extort money from me saying I owe them late fees, which I disputed with them. But they continue to harass me by mail and email several times a week. If I owed them anything they would have been paid. You don't achieve a credit score of over 800 by having late fees. I never have had any, but Comenity keeps trying. Lord knows how long this is going to go on. Worst Bank Ever!

I have been a customer with Comenity for years and have never had a late payment. I have several accounts with comenity and they are all in good standing. Comenity started lowering my credit limits (drastically) without giving me any advanced noticed. I had a $1,100 limit on one card and had just under $150 charged. They reduced my limit to $150 which hurt my credit score because my utilization was then at almost 100%. I've recently paid off each of these accounts and will no longer use them nor will I open another account with Comenity ever. They are the absolute worst financial institution I've ever dealt with.