ComenityReviews 64

Wow, these folks are incompetent. We had BankAmerica transfer money to Comenity. Comenity lost it. I had the BankAmerica recept. So Comenity charged me a late fee and interest. On money that they had, but couldn't find. Took over a month for Comenity to admit to their error and cancel the late and interest charges. I talked to their Customer Support, they were useless. Might as well have been talking to a robot.

Gave them the account and routing #'s to pay off 2 identical accounts. They say they tried and it failed but haven't proven anything. The money was there. The promo has since expired before they recorded the check that was sent in after their failed debit. Spent hours on the phone trying to get this resolved. Everyone works from home and nobody knows each other so you have to reexplain the whole history for every person you get. They have finally removed the interest on one of the accounts and we are still dealing with the other. This has been going on since feb. It is now June

Terrible bank--made a payment of $63.55 3/14/25--they did not get it until 4/9/25 & charged me a $30 late fee--now it is up to $63 on 6/2/25--I called a supervisor
& he said they gave me a one time credit in may for $15 (which never happened)
& he won't waive the $63 (which is only late fees & not for merchandise)-- never
Use this bank...

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!

I have Comenity AAA Visa for a few years. I usually pay my balance in full until this year. I decided to set up an Automatic payment just in case I got sidetracked. On Sept 3 I checked my balance and paid everything in full not knowing that there was a $9.98 due for automatic payment, the whole September I checked my account and it showed up as "No Payment Due" Until Sept 27 when I called my bank because there is a payment that I did not recognize from Comenity, we checked it out online and it showed up as fraud charge. My bank went into action and stopped the payment. October came around and I found out Comenity Bank charged me $30 for a return check, I was confused as I paid this card online. I called Comenity Visa to find out what is that charge for. Kalish (Customer Rep) told me it was from an automatic payment that did not go through $9.98. When I told her that I was not aware of this automatic payment since every time I checked my account it would show up as "No Payment Due" ask her if she could do something about this $30 return check charge. She said, "Nothing she can do". My conclusion from this conversation is that Comenity Bank just stole from me as a good creditor I hate banks that steal people's money through no fault. If I had seen a balance due on my account, I would have paid it immediately, that month of September I checked my account multiple times, and all I got was "No Payment Due" Then they surprised me. Do not set up any AUTOMATIC PAYMENT if you don't want to get slapped with a $30 charge. Remember the unknown automatic charge (since your account does not show the balance due) was $9.98. They charge me $30. Comenity Bank stole $30 from me. I will not forget that and I will not recommend this card at all.

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!

Should be able to leave 0 stars first of all!

ABHORRENT business practices, correspondence, charges, and "customer loyalty" practices. I am a teacher, don't have a ton of money, don't want the sympathy card, but tend to spend our money wisely if you know what I mean! I have mostly or always been a good, on-time paying customer for YEARS with one of your stores (I guess I won't blast them but they won't be getting a lost of my business because of this and I will tell them that). In most or always cases, I have paid the FULL balance on store charges. I don't need your card and was sold "good deals", "coupons" and "customer perks" and whatever else lies you sell people just for subscribing to this shady, heartless and perhaps fraudulent credit services. I truly believe you ripped me off financially and set me an "F" you letter after asking for help with fees and charges far extending the initial cost of a few store items. Paid in full. The charges were well over the initial charge and I am an on-time paying customer for YEARS. I missed the due date by one day because I was in the hospital, never getting sick like this, and contacting you right away. The bill was still paid in full. I was a day late. Lots of phone calls and trying to get some help with fees, charges, etc. you've straight up stole from me and charged me and racking up owes excessively, ignored and finally blocked my messages on the website, and did not shut down/close my account. Comenity charged me another charge again after late fee payment, after emailing, (and more than 95% of the initial purchase price in July)! Shame on you, Rebecca U. And other 'advocacy managers' associated with Comenity Bank. Shame on you people for what you are doing to good, on-time paying customers (maybe sometimes in a lifetime of credit account make some sort of mistake!), loyal, and trusting consumer and customers. Shame on you all. P.S. It's generally noted that good customer service does not include blocking a customer's messages after trying to come to a financial refund solution and asking for help several times. They sent me a terrible letter one in which I would never send to one of my small business customers, EVER! I would help them and ultimately write it off just for doing business with me in the first place. Not these guys. Don't do it. Whatever you do, DON'T open an account with these thieves and cold-blooded liars, no matter what deal, outrageous tale or coupon they offer!

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 feel compelled to share my deeply disappointing experience with Comenity Bank, which I now believe operates as a predatory lender, using Aspen Dental as a front to lure unsuspecting customers. Initially, I was attracted to Aspen Dental's services, which seemed reputable and professional. They recommended a Comenity Bank credit card to cover my dental procedures, and trusting their partnership, I applied.

From the start, the interest rates were shockingly high, far beyond what was initially advertised. It felt like a trap, designed to ensnare customers into a cycle of debt. Despite my efforts to manage my finances responsibly, the exorbitant fees and hidden charges made it nearly impossible to keep up. Late fees, over-limit fees, and other penalties were levied without clear explanation, adding to the financial burden.

Customer service, which should be a pillar of support, was equally disheartening. Representatives often provided vague and conflicting information, making it challenging to understand my account status and rectify issues. It felt as though there was a deliberate effort to obfuscate information, leaving me in a state of constant confusion and stress.

Moreover, the lack of transparency in their billing practices was alarming. Statements were often difficult to decipher, with unclear itemizations and unexplained charges. This opacity further compounded my difficulties, as it was nearly impossible to get a clear picture of my financial obligations.

What was most troubling was the aggressive collection tactics employed by Comenity Bank. Despite my best efforts to communicate and negotiate terms, I was met with relentless and harassing calls, sometimes multiple times a day. This relentless pressure only exacerbated my financial and emotional distress.

In conclusion, my experience with Comenity Bank, masked by the reputable facade of Aspen Dental, has been nothing short of a nightmare. Their predatory lending practices, coupled with poor customer service and lack of transparency, have left me feeling trapped and exploited. I strongly urge potential customers to reconsider and seek more reputable and ethical financial institutions. No one deserves to endure the financial and emotional strain that comes with being preyed upon by a lender hiding behind a trusted partner.

I can't believe my eyes! I'm considering suicide at this point because of this bank. I bought furniture from the room place years ago, they said it would be zero percent for 60 month and I was happy as a lamb. They told me once the payments are done you will be at the end of the zero percent, they set up the payments for me and recommended paperless billing so I never received any type of mail. My balance remaining at the end of the period was $400 with never missing a payment of course. I would have gladly paid it off if I knew. All of a sudden I see a $4500 increase on my statement and I only knew because my credit score dropped 10 points and I wondered why. When I called the fraud department they said it's the interest i agreed on if the whole amount wasn't paid. Thats when my life just sunk in my head I started begging them on the phone I begged the supervisor ( Jeff)to just reverse it and I'll pay the remaining balance. He couldn't care less. They didn't even explain how a $400 balance will have $4500 worth of interest. They told to talk to the hardship department and it hung up on me multiple times. They are the devil in disguise and I wish them the worst. If anyone could help please please help I am desperate at this point. My promo ended May 10th and I received the notification May 21. It wasn't late or anything the autopay was just not due.

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.

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...

DO NOT GET A CARD FROM THIS COMPANY! They are absolutely terrible. Charged me a late fee WHEN I PAID MY BALANCE ON TIME! WOULD NOT WAIVE THE LATE FEE AND THE CUSTOMER SERVICE IS TERRIBLE. Where are customer service skills?!

I signed up for a card a few weeks ago. I never got the card. When I got my first bill, I couldn't pay it because I didn't have the card number (I thought). I called and wrestled with the automated system. I have a paralyzed vocal cord so can't use the voice commands reliably. When I finally got a person, he told me the number was at the bottom of the page. What kind of stupid sense does it make to "secure" the card number in the account number box but then print it out in full at the bottom of the same page? So I go online to pay my bill. It won't save my bank info. I call back and am told I need to use the Chrome browser. We don't use Chrome; we use a secure browser that works fine with all our other accounts, and we are not going back to Chrome now for ANYbody. So I decide to go back to the phone automated assistant. I can't type the cc number in fast enough and it sends me again to a representative. And again, she refuses to help me unless I pay a $9.00 fee and sends me back to the phone system. It took me a solid half hour to pay my bill and close my account. Some of the worst customer service I have ever experienced. No matter my problem, they still refused to do any work on it themselves without an exhorbitant fee. Never again Comenity. I will remember you, and Bread Financial, forever.

I was given the following contact info by the person I spoke to Tuesday 3/19:

*******429 extension ******* for "Beth"

Please explain to me why this extension does not connect to anyone and I get hung up on without any other options to speak to someone.

At this point I have been trying since October to get an account closed and receive verification it is closed and I consistently am given conflicting information, hung up on, given contact numbers that do not connect, and am told I will be contacted and then am not contacted... I have never received the verification letter promised though I have been told 6 separate times now one would be provided. You can bet as soon as I am off work I will be making a report to BBB and consumer protection agencies because you continue to be impossible to contact for resolution and provide no help. I may also at this point seek legal advice for a class action lawsuit as it seems plenty of other consumers unfortunate enough to be involved with your "bank" have similar issues.

I want someone to call me. I am available after 6pm this evening. I want someone who can actually provide a verification letter and I expect a WORKING return contact number for if continued issues arise as your staff has proven time and time again they do not know what they are talking about and have zero follow through.

A timeline:
Oct 2023 paid off balance and asked account to be closed

Nov 2023 account still open, called again and was hung up on 2x before reaching someone who stated account could not be closed due to $1.05 insurance and interest charge on a $0 balance account that should have been closed the month prior. I asked to be escalated, I was told I would receive a refund on the fraudulent charge and the account would be closed. I also asked to make a formal complaint and was told someone would call me. Nobody called.

Dec and Jan I continue to recover account statements on an active account with $0 balance. I call again and am told the account is closed. I ask for verification and am told it will be emailed. I never received verification.

Feb I receive a $0 account statement. I call. I am told it is closed and will be sent a verification letter via email. I am not sent one.

March I post the whole issue on social media, Google, anywhere with reviews. I am contracted and FINALLY get a call from someone I think is doing something on 3/19. She says the account could not be closed because of a 5 cent credit on the account. She states the amount will be transferred to my bank. She states she is closing the account. She states a verification letter will be emailed in 24 - 48 hours. She provides a return contact number. I never received the letter. The extension does not work when I call and I am disconnected without another option to speak to someone.

It is 3/25/24 and I am going to be filing a complaint with Better Business Bureau and the state consumer protection agency. I suggest all others experiencing similar do the same. I will be posting this on all social media and reviews I have access to. I will be seeking legal advice for class action lawsuit next if I am not provided proof of closed account in the form of a verification letter by 04/08/24.

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.

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.

Got a credit card for famous footwear. First payment was due January 4th. Ended up missing it because they had my phone number messed up so every time I would try to register it would say my info didn't match. I finally managed to get in touch with customer service (the phone line is garbage. It just randomly hangs up on you while you're on hold waiting for someone) and supposedly he fixed it. Guess what? Not fixed. Three weeks of calls later I finally manage to get in touch with someone else and she did actually fix it and removed my late fee and claims she removed the missed payment as well but I'll believe it when I see it. She then told me to make sure I make my payments on or before the due date because they can only remove a late fee once every 12 months. Um no maam. It's Comenitys garbage system that wouldn't allow me to make my payment soooooo don't put that on me thank you! I had even tried to use the fast pay option but it kept saying I had a scheduled payment for that day no matter what day I tried to select. How could I have a scheduled payment when I couldn't even get into my account?