ComenityReviews 64

How you open an account with this bank. And 11 days later they close the account, after you have bought items and received your card. Then they tell you they Dont have to tell you why they closed the acct but then want you to still pay the account. So they have ran your credit and then want to say they can just close the account with no reason.

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 got this credit card a few years back, for Burks through Commenity Bank. I closed the account in March after paying bill in full. In April I received a bill for $9, I called they removed. In May I received a bill for $12, I called they removed. In June I received a bill for $14 which is showing on my Equifax, I called they said they would remove they haven't. All these charges are for late fees and monthly reg fees. But the account is closed, you are not supposed to be charged monthly fees on a credit card that is closed. They are hurting my credit, and I worked hard to get it up. This is a terrible company.

They claim I cancelled my credit card after someone said it was fraudulently opened (but I was making full monthly payments) - fraudsters don't make payments. Then they said nothing they could do when I tried to reopen and they hung up on me. Just TERRIBLE!

Seems to be a poor company to deal with. I am finding out how bad they are as time goes by. Would not recommend this bank at all.

I will never again finance anything through Kay Jewelers as this banking company takes 3 WEEKS to cash a check just so they can charge interest! My due date was on the 17th of every month. I had the bank send a check on the 8th and they still waited to cash it until the 22nd just so interest could be charged! Then when you call them and tell them to look at the dates they just dismiss you and make you pay. Piss poor on their end and now Kay's is dealing with the repercussions. There are more jewelry stores than just them and that's where we are shopping now!

Big disappointment and a sense of injustice!
After system error and 5 phone calls to find someone to help me …I had unfair bad report and huge decrease of my credit line … stay a way from that bank!

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!

After paying my statement balance at the end of every month. Comenity still charges interest. I was told interest is a month in arrears which makes no sense. However, I just wanted to report this is how the banks messed up your credit by being shady…Worse bank for credit cards. Hopefully, VS find another bank to service their cards like BJs did…very annoyed!

Worst company to work with. Send payment to them and they take 20 days to process the payment which makes it late then charges ya a late fee. Gives ya the run around when you try to call then to see what is taken so long. Would not suggest them to anyone

Several months of trying to pay them unsuccessfully. There are numerous payment methods, none of which work. I finally called a rep, who processed my payment, only to be called by Comenity collections telling me my account is past due. It seems my payment is showing but not posting to which I was told, quite smugly, that "calls will continue until the payment is made". Screw you morons. If I didn't need the info for my credit report I'd close my BJs, Famous Footwear, Venus, Boscov's, etc. lines of credit. Called customer service with four issues - ZERO of them resolved! Way to go "BREAD"!

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!

First time calling comenity due to switch in credit card company owner ship and have been on hold for twenty minutes with COMPLETE silence... don't even know if I'm still connected. BAD from the minute I called them!

Comenity Banks are ripping the consumers off with their high interest bull. The lowest is 16% and god only knows what the highest rate is. Please don't use this bank.

Terrible company do not do business with anyone involved with this company. Disreputable companies partner with them and when you are scammed and never receive the product they side with the scammers and you still have to pay them for what you never received. At an absurd interest rate as well. Call support and they give you the run around and side with the scam company despite proof goods were not received. As long as the scam company says so they side with those bringing them money. I would not be surprised wife they got kickbacks from the scammers.