Bread Financial Reviews

I was lured in by an offer of $200 off spending $1000 in the mail- I only applied because it was connected to other Amex. Oh boy I regret it now. Huge scammers, I had automatic payments on and they found a way to charge me interest and REFUSE to refund me the $12 interest even though it’s their fault. I have a 822 credit score. They have made the wrong person angry. Everyone please for your peace of mind get any other card but this one, I am completely convinced this is a scam company. They will lower your score and steal your money. I can’t believe they are still in business. Can someone shut them down please?! I’m calling my platinum amex card to complain too- a stain on Amex’s name dear god.

This is card is a Scam. They have sent me a pre approval and when I applied it got approved and they sent me a Card which is blocked. The funny part is it gets activated but card is blocked and I want to close this scam immediately, but they are not closing it. I am trying to find out a way to report this SCAM to an Ombudsman.

Dissatisfied with Comenity/Academy Sports. Have had this account since 2019 with no lates. I barely use the card and when I do, I immediately pay off. I originally set up automatic draft to account so it would never be late. When I recently paid off a balance of $97 dollars, they charged me a late fee. I contacted their CSM by name of Ariel and she assured me the fee would be removed because of the error on their part. She promised me it would be credited and bring my account to a 0 balance. It’s a crying shame when people who are working for a company, are getting paid to do nothing.

They told me I'd be receiving my Platinum card in 10 days, I got it 5 months later. They put Freeze on my card without justification and reopened it a month later! I believe the entire SOP system is bad. That's why they have so many lawsuits against them.

I had a Dell Financial account for over 20 years. They switched to this company and I have serious issues. Set up automatic payments in June 2024. It is now September 2024 and they still have not taken payments properly from my account and have stated that it can *take up to 2-3 months* for automatic payments to process properly. I call and the reps state that I can be 'rest assured' my payment will go through, but it's three business days after it should have been processed. The whole point of setting automatic payments is to ensure timely payments in the first place. I should not have to call to chase a bank to do its job or MAKE PAYMENTS OVER THE PHONE when I have automatic payments set up. Absolutely absurd.

Credit card is a scam. The first bill I received said that I was late paying so there was a late payment plus interest. Then when I said I wanted to pay it off in full and to close the account they added another months interest. So they got 6$ in interest and a 35$ late charge on a 22$ charge. Never shopping there again. Their stuff is garbage anyway. They are thieves.

Used my Bread Rewards credit card for a purchase. This purchase was never received nor refunded. Contacted Bread Rewards customer service, which was a complete circus being transferred back-and-forth between fraud and disputes. After about six months of no help and being told it was not a fraud case, finally had to get a lawyer involved. It has been over a year since the transaction which I still have to pay on my credit card. Worst credit card ever. Would not recommend it. Customer service is terrible.

They like to charge late fees even though an autopay is set up that pays the balance in full! Then they ask to confirm information that you already entered and is clearly visible on your account, as if you never entered that information prior. Stay away!

Purchased hearing aids on 5/28/24; refinanced with another bank because of the high interest rate that Comenity was charging. Called for pay off several times and the new bank even called for payoff. Payment was sent on 6/25/24. Interest charges of $87.73 were charged on 7/2/24 after account was paid in full. After not receiving disputing the charges and no help from customer service, we reluctantly paid the $87.73 so they would not ruin our credit. That payment was on 7/25/24 - the due date! On 8/2/24, they billed us another $3.00 for minimum interest charges. How many times do we have to pay off this scam of a "HealthiPlan"?????

I keep seeing all the bad reviews for the (Bread Company/Comenity). Why doesn't people go to their Attorney General and the Better Business Bureau to start an investigation into the practices of this company. We have consumer protections set up here in the United States and everyone needs to use these protections. This is going to ruin the businesses that are associated with this company if they continue to use them, sometimes they don't care sometimes they want to have good customer service. Everyone NEEDS to get their attention. I called them and did not have a good result and am no longer using the card. Just paying it off.

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 specifically (like other banks do) 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 opened a Catherine's credit card in March, I used it and paid the bill with no problems. I used it in May, paid the bill in June third, payment didn't go through, made another payment with the automated. Payment was accepted. Said routing number was incorrect. I looked at my transactions and found a $30 return check charge. Talk to them about it and they would not remove $30.00 check charge. Even though the payment issue was on their end and told them I would no longer use their credit card. Talked with my bank and found they never even attempted the first payment, close the account and will no longer shop with their department. This unhealthy, as they are now going to lose my business and I'm a very loyal shopper. Just poor service from them.

These people on this credit card are the most thieving people that can exist, I had a balance in which I paid everything I owed on time, then when I went to see my bill, it had a late charge of 30 dollars and I am 100% sure I paid it on time, then when I call to complain they tell me that I didn't pay the full bill last month, that they could only give me 15 dollars as a courtesy, thieves people, don't get this credit card, the only thing that they know is scam people.

Liars and crooks! I paid my balance off on 12/31/2023. Over the next 5 months I was charged late fees and interest on those late fees. I called each month to resolve the issue and was told it was taken care of but it wasn't. I ended up having to pay 3 late fees and interest charges just to close the account and be done with these criminals. Never again!

I would like to share my experience with this company. Comenity Bank if I am not mistaken offers The Children's Place Reward Card. This is a horrible company with no empathy for customers. On several occasions I was charged a late fee of 30.00 due to certain circumstances. The most recent issues was I forgot to pay on the 1st of May due to death of a friend and I was charged $30.00 late fee. You would think they would have a grace period for paying but they don't. Once I pay this card off I will throw it away and warn others not to get any cards offered by Comenity Bank!!!!

The WORST customer service experience since they changed from Comenity. They are extremely unknowledgeable and not sure how or what to say for a response to where you have to say hello making sure they're still there. One rep hanged up the phone. No longer able to download your statement if you have 0 balance therefore must call to receive statement information on letterhead. Hope my mortgage lender accepts it. Looking forward to close account so that my credit score will go down from 792 so DONE with this bread company.

This is the worst experience with having a store credit card. Not even one star ⭐️. Zero stars. The company has no compassion or care for customers. I was a perfect paying client and at my first and only oversight they had no mercy at all. They could not care for a second for circumstances or reasons. The penalty was implemented period. I have closed the card and will never ever recommend this store to anyone!

Have an Ulta Bread Card and I realized my payment was due that day at 8:00PM, so I went to go pay it. Turns out, it's considered late at 5:00PM. I did not realize this. I have never paid late. I have great credit and I asked for them to waive the late fee. (I paid literally 3 hours late). They waived $15. While I understand they don't have to waive anything, I didn't understand why they'd waive $15, but not $30 as a one time courtesy. They told me that my account was only eligible for $15 waive, and now I'm no longer eligible for any waived fees.

Stay away from this company! I have been trying to get a letter from Bread Rewards stating that my wife has been removed from my account as an authorized user. This nightmare started on 4/2/24, I called customer service and explained my situation to them and was told that the letter would be emailed to my account and all I needed to do was sign in and the letter would be there. The letter was not there and a couple of days later I called back and was told the same thing. I sign in to my account and nothing was there. So I sent an email to them stating what I needed and why, they responded back informing me that the letter would be mailed and it would take 2 weeks. Still no letter. I called again and this time I spoke with a manager and explained to him what I needed and why, and this time I asked him to fax it; he reassured me that I would receive it and if I didn’t to call him back, he gave me his name and contact information.

I couldn't figure out why I ALWAYS had a balance on my Victoria's Secret card & why I was always getting hit with late fees. Well, ladies, I just got off the phone with a very nice agent and she explained that even though I was paying my account off to a ZERO balance, the following week they add a MINIMUM INTEREST fee of $2.00. Since I believed my balance was paid in full, I wouldn't always check the following month. Once my due date passed (on a balance that was paid in full - except for the $2.00 rip off fee) they charged me $37.00 in late fees. So, every month they were getting $40.00 out of me.

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.

Awful Credit Card System, If I could give zero, I would. I should not have reapplied. I closed my card in 2015 for the same reason. First, you struggle to log in to your account. When you finally access it, you try to enter your account information to set up autopay, and it won't let you; then you manually pay it, and it doesn't go through. The next thing you know, foreign call center agents are relentlessly contacting you for a late payment; you're considered delinquent now too.

Don't get a loan from these guys. They have a loan management portal that uses language to INTENTIONALLY cover up how their payment system works and the current status of your loan. When you make a payment, you have an option to select "towards installment" or towards "principal amount." If you you attempt to pay part of your installment a few weeks early, it automatically attributes it as a pre-payment towards your principal, even if you select "towards installment." Their website does not make this clear. Once your second paycheck comes in and you are ready to pay off the other half of your installment for that month, it still says you owe the initial total amount for that month.

I received this Bread Rewards card in the mail despite the fact that I don't remember applying for it. I figured that one of my other Comenity cards was converted from Visa to Amex. It seemed attractive because of the high rebates for gasoline and groceries, but what I really liked was that there would be no foreign currency transaction fees. We are planning a trip to Europe, so this would be great (I thought). After I activated the card, I tried it at a gas station, which was immediately denied. When I called the service number, I was told that it was denied because it was too soon after the card was activated (same day), or because I had not built up a spending pattern with the card. (It evidently uses AI to determine if it thinks a particular transaction is fraudulent).

I just had my credit card score go down and I'm in the high 800 segment! When J Crew switched to their new card, they automatically enrolled me in paperless and I missed bills, as they went to a 10 year old email address. I only found that I owed them $188 dollars when I ran a credit report! I had to call customer service to even get into the site, as my personal information was so old. The website is hard to get into and it was very hard to an actual person for assistance. I received one late charge and was able to get out of the most recent. I also can't set up the card for auto pay with my bank! Seems to me like they are guaranteeing late fees and interest to many, many people. And it's difficult to reconcile. I will be cancelling this card.

Updated on 10/04/2023: After closing and paying off their two wretched credit cards in mid-October, 2023, I received a crumpled-edged letter on 11/02/23, but dated 10/11/23. The belated letter acknowledged closure of my second account. It cited the amount due, which had been paid off a few weeks ago. I checked my online accounts and both reflect zero balances. Don’t fall for their fantastic promo offers like I did. My past experiences with what was previously called Comenity were positive. Unfortunately, I trusted their previous reputation. Stay far, far away from those bait and switch charlatans.

These scumbag thieves closed my account because of disputes between them and Floor and Decor, I had a delay in my monthly payment for a few hours,, hours not days,, and these scammers charged me $41, when I called these miserable liars to see if I can recover this money, I was answered by a crappy supervisor who told me that I am not eligible to give my late fees back because my account is closed, that is, closed by these scammers without notifying me. My advice is if you ever hear about Bread Financial or ** Bank Comenity, stay away, they are just scammers.

I have been making payments for years and now they losing my credit for no reason, I was three days late on my card and Bread Financial found out I was ** and that's when they lower my credit and had my savings for years without missing any payments, had accounts for 15 or more years.

Horrible customer service!!! They have frozen my account several times without reason or notice. It has been so embarrassing being out in public with friends or for a work event, and my card gets denied when it has thousands of dollars left in available balance. No fraudulent activity. No international transaction. Nowhere near my limit. Just paying for a lunch for clients and waiter/waitress returns to tell you that the card is declined.

They charged me $547.99 as fee for one month and, I always pay every single month my credit card with them. I called them, texted with them without any success. This bank is only care about taking money from us and nothing else, that's why I'm warning you not taking any card with this bank, you will deeply regret it. Don't ever deal with them.

Thanks Bread Financial, for closing my paid off account after I worked my ** off to pay my 10k credit card balance off through Alphaeon and then closing my account due to inactivity, which penalizes me now. I barely had a paid off card for a month to two when they abruptly closed my account. I was even looking for a dermatologic procedure to keep this card open before they so aggressively closed it—which seems to be a bit coercive or illegal. “You can only keep it open if you use it again on a medical procedure” they told me. I will never ever use this company again. They are predatory lenders.

Bread Financial Charged me $300.00 interest per month on a $1,200.00 purchase of a Retro Classic Refrigerator. This is horrible!!! Can they be investigated for unlawfully overcharging me too much interest on my purchase?

This company took over Comenity Bank and decided to close many of my credit cards, including the ones that were paid off. If this is how long term paying customers are treated, good riddance. I hope you go under like every other greedy company.

I recently had a displeasure of having an 18 month worth of interest charged to my account after I was 5 days late to pay off the balance. I always made payments on time and never missed a payment. I called and spoke with two different customer care agents and supervisor but they showed absolutely no flexibility to work with me! This company, formerly is Comenity Bank, is not going to win my return business!

Comenity is now doing this again to me; same as the card I had from them for Wayfair. Although ALL my payments are on time, for whatever reason they have decided to end their partnership with Wayfair and now Overstock. They will be closing my account, just like they did with Wayfair. When they did this to me with Mayfair, my credit score dropped over 50 points. How utterly irresponsible and negligent!!!! I imagine this falls on deaf ears, they just don't care. I am rushing to pay the card off now to beat that deadline and close the account myself and then using my own time (thanks a lot Comenity), I will contact each credit bureau. I will NEVER take a card from them again. They just don't care.

My AAA credit card was transferred to Bread (Comenity) without my knowledge. In the process, my automatic payment information was lost and my bills were not being paid. Eventually, my credit limit was exceeded and I was charged a $119 penalty. I immediately paid what I owed on the account and opened a dispute to recover the $119 penalty in November, 2022. I have called a dozen times since then (it is now June, 2023) and have been told that they are still reviewing the matter. It is difficult to get through the customer service system to talk to a supervisor but I have done this several times. All they can do is make a note on my dispute record that I called again.

On May 3, I called Comenity about my Caesars Rewards Visa, I let them now I was going to New York & would be using my card for payment while in NYC on May 9th-11th. In NYC on May 10th, I attempt to make a purchase & my card is declined. I call Comenity & go through their Fraud steps, they confirm its me, they tell me they have unlocked my account. I wait approx 30 min & use my card again & it is again declined. I called them back to see what was going on again & I am told their fraud department needs to send me a code. I wait a few minutes and I have not received anything and they tell me they sent it again. I get the code and give it to them. I am told the code doesn't match and my account has been PERMANENTLY CLOSED due to fraud.. They tell me there is nothing they can do, I have no other options to prove I am me, NOTHING.

This company Comenity Bank/Bread Financial is a complete JOKE! They report completely wrong information, claim that you owe money that you don’t owe, and than then turn it over on to your credit report! then sell it to a JUNK DEBT collector! Double dipping! They grasp for straws because they’re so desperate! We are talking $200! That’s a desperate company! I have CLOSED several accounts with them! including this account! NEVER, EVER again will I do business with these fools! NEVER!!!!

Hello, On 5/28/2022 I opened a Comenity/Sephora Credit Card. I made a charge in October 2022 and paid it off in full in December and closed my account for good measure. This company has constantly hit me with delinquent payments and tanked my credit score by 100 points. 1/19/2023 - $105.00 delinquent payment 2/16/2023 - $148.00 delinquent payment. Despite me calling them multiple times and asking them why I have these charges, they told me specifically that my account was closed. My credit score has been affected by 100 points - I can no longer apply for apartments with peace of mind. It's absolutely ridiculous.

A few months ago Comenity took over AAA credit Cards, or at least part of them. From the start I had nothing but problems. No new card was sent, so I didn't have an account number to reference. That took 2 months to fix. Then their web page was inactive for new users. Then it wouldn't let me set up automatic payments until I verified my email, phone number, and address, So I did that, but website didn't recognize it was verified. Called customer service. Not helpful at all. The rep would say, "oh. I don't handle that", and give me the main number. Finally got my information verified and set up auto pay. Last month no issue, then this month no auto pay. The website once again had my account as not verified and auto pay off. So I paid off the balance and will never do business with this company again.

I paid off my account before the due date. I use post office flat rate to track my mail. Never trusted them with what they say in the past. They say they never received my mail. So that why I use flat rate tracking to protect myself. Well I paid in full not talking about few hundred dollar I talking about over thousand of dollars. My mail got there 12/11/2022 at 6:45am. They didn't post the date on the date they received it. They waited 9 days after the monthly fee and charge me over 200 dollar interest fee and 40 dollar late fee. And saying I mailed it late past the due date. Been fighting with them thru email on their website and I even sent a photo scan of the UPS tracking and my tracking number from post office and the address on it. They still deny it. I will never ever trust them and I am going to closed the account. I got this credit card from sportsman's guide. If you ever think about getting it. Stay far away from Comenity bank.

I have been a customer for several year. NEVER have I had this trouble with any of my credit cards. I was charge in Oct 2021 - this was the correct charge. I was charged AGAIN in April 2022, then given a credit, THEN charged AGAIN. All I am seeking is the overcharge to be made right. This issue has been ongoing for nearly a year. I have provided ALL documents that were asked of me including bank statements, statements from this company and still I get the run around. Save yourself the trouble and don't apply for this card.

First payment due in 8 days and online services has been unavailable for the past 7 days. No estimate on when it will be available. Called today to verify I had setup automatic payments but they would not tell me since it was in my wife's name and she is visiting family out of the US. Said I could pay it online but if I use a credit card there is a charge. I do not provide my personal bank information to anyone over the phone so won't use that option. Lastly the last time I was able to access their website I found out they will not let you setup automatic payments before the due date, but warn you in the questions and answers that you need to be sure to send the payment in time so it will not incur a late fee. Seems like some third rate financial service but was stuck with it during a dental crisis. What responsible bank takes over a week to get their website running?

Let me start by saying I have a FICO score close to 800; I don’t need the credit. I got the Sony card because they gave me $150 for free, and my kids use it for PS5 games. I didn't receive a statement, and their web portal didn’t work because of a system error. I received a call from one of the customer service reps telling me my payment was due, so I made the full payment on the due date over the phone with the customer service representative. I even asked the representative if there was going to be a balance left, and I was told that this paid the card completely off and nothing is going to be owed next month. What I didn't know is that the payment would post the next day, which would automatically give me a $40 late fee on my account. That $40 late fee I was unaware that was on my account because I made the full payment over the phone with the rep and clarified with the rep that the account was paid in full.

They reduced my credit limit, despite other cards giving me increases, causing a negative hit to my score. Then cited the hit to my score and reduced it more. Never missed a payment or went over limit.

1. On September 29, 2022 I ordered a pair of shoes from the Nordstrom website. I applied for a store credit card when the option came up. I believed it was a Nordstrom card. However it was a Woman Within card with Comenity Bank. Supposedly I was getting a 40% discount with the card.

Terrible. Had automatic payments set up. End up getting charged interest on a computer glitch that happened on their end 4 months prior to the promotion ended. In the end I have to pay an extra $1300 dollars because I had automatic payments and assumed they were competent with their business. You won’t get a hold of them & when you do, they will say, “You should have known”.. Yes I should have known your system cannot accurately add up the payments that I should be charged each month. Will never shop with Zales or Comendity Bank again :)

OMG this Comenity Bank is seriously delusion, they locked me out of my account so that they could charge me a $40 late fee!! I paid my bill in full every month, have an excellent payment history on my credit report and the Comenity Bank came along and literally destroyed my good credit for $40!! I received a bill with only 5 days before payment was due! After I couldn't access my account online or by phone I finally called a representative only to learn that I had 2 accounts and one was closed for inactivity on my account.

I have had this Boscov's card for over 2 years along with 4 other Comenity cards. In Oct and Nov my bank accidentally but a stop payment on Boscov's when I would pay the bill. After I received a letter from Boscov's saying they turned my card off I called them and my bank to figure out what was going on. My bank was at fault and wrote 2 letters admitting their error. I then was told to upload on their website. I tried for 7 days. They would not upload due to system error. No one at customer care would help me do anything about it, and they all were telling me different things. I finally got an address to send these documents to. I'm beyond frustrated and they could care less. Worst customer service ive ever received.

I would give the experience a zero if it was provided on the rating chart. In October my AAA visa was changed from B O America to Comenity Bank. This was the worst thing! AAA could have done. In the almost 20 years that I had my visa with Bank of America, I might've made three or four phone calls. Since Comenity took over in October, I probably called at least 10 times. First they took almost 3 weeks to issue my new credit card, even though I told him I had no other credit card. There were some disputes on the billing because of the crossover without having a card, so that took a long time and some phone calls to resolve. I was due a credit from one vendor, that took a while to finally be rectified, and I was mainly the one doing the leg work.

WORST LENDER in the country! Buyer Beware! Bought a $25000 diamond engagement ring from #BlueNile online jeweler and applied THRU THEM for financing. Was approved thru Comenity Blue Nile with no interest for one year. Right at the one year mark (during Covid) my fiancé and I were both sick with Covid and hospitalized. Needless to say I missed the deadline for NO INTREST. I called 2 weeks later when I was well again, and explained that I was infected with Covid and was in the hospital and that I was willing (during that call) to pay the entire balance of the no interest loan right then in full! And they could care less! They did NOTHING for me, and wacked me with over $7000 in interest that I am now on the hook for to pay....This company is REPREHENSIBLE to say the least....

I am always having to change my password because for whatever reason their website can never recognize my password from a month ago when I last signed in and change it. Each month I go to make my payments my password does not match, it takes several tries entering the credit card number, and information needed to reset password. It’s very frustrating, which sometime lead to late fees.

I should have read the wealth of warnings across the Internet not to deal with this company before I applied for a PayBoo card on the B&H Photo website. I was looking to make a major purchase where I would have saved nearly $200 on taxes. According to the offer for the card, those who signed up would get instant approval, which I am assuming is based on an excellent credit score. My credit score is 830-850. There is no reason I would not get instant approval. I didn't get instant approval and since I needed the computer I was looking to purchase, I ended up having to pay the taxes. That irritated me as I should have been able to instantly use the card and savings that was being offered.

I have an Interval International Mastercard credit card thru Comenity. Access to my account online is almost always unavailable. Can't review transaction, balances, rewards, etc. When you try to sign on it states "information is not found", but when you try to change your password, it recognizes your account #/user name but then gives you a "technical error has occurred" message. This goes on for weeks or months. When you call Customer Service, they tell you "management is aware" but never have a timeframe for access being restored. It occurs repeatedly and lasts for long periods of time. It is unbelievably frustrating and mind boggling that a company that services so many company CC's is this pathetic at on-line access and maintenance of accounts. It is truly pathetic!

Since Comenity took over AAA Bank of America, there are issues with them accepting payment. I pay via PNC bill pay for years to Bank of American, and Comenity has not been accepting ACH payments. No one tells you this, so PNC is issuing checks that take weeks for Comenity to accept. This causes late payments and interest charges. Then you have to call customer service, but ask for supervisor since the customer service doesn't acknowledge the issue or doesn't know the issue of Comenity not accepting payments. Check sent our 12/2/2022 and it is 12/24/2022 and the check is still somewhere in limbo.

Recently Bank of America sold the AAA travel credit card accounts to Comenity. I was informed of the upcoming change and waited for the new log in information. I was able to get online and set up my account but discovered I was past due. I made a payment on Nov. 26 for three times the minimum payment. I have two major complaints. First, the website is misleading. On the home page it says, "No payment is due." Then on the payment tab it says, "account past due." I called the company and the agent, Omar, explains their policy. My account will display delinquent until the Dec 22 date. I am a responsible consumer, and I don't typically pay my bills late. I voiced my disagreement with the policy. He could not do anything about it. Is this a policy to pay a bill but not entitled to the service for nearly a month. Thank goodness I don't use this card and have other resources to use during this holiday time. This company has given me something to think about. After I pay it off, I may just close the account.

The Home Page on the website is awful. Home Page says my statement balance is unpaid, it was paid almost a month ago. The Transactions portion of the site is absurd. All it gives is a list of charges, does not give the current balance with each transaction. BofA, the previous AAA credit card bank, had the current balance with each and every transaction. Now I need a calculator if I want to know the balance at a certain point in time within the billing cycle. Have contacted via email - no response. Just spoke with a representative who repeated rote talking points. Will be looking for another Credit Card - was using AAA with BofA for years, never a problem.

I’ll admit that I haven’t used their credit since February this year, but I didn’t think they would cancel my account. I’ve spent a LOT of money with them. I always paid on time. It was embarrassing when they handed me my card back and said that it was no good. Now I know that they were right. They don’t deserve my business.

Was fine when the card was with BoA. Since the switch, just horrible... Customer Support is clueless, can't get my reward money deposited to my checking account but they automatically take my payment from my checking account. They have no answers... terrible company.

Oh, my. Save yourself and stay away from ANY product from this swindler. My AAA credit card with Bank of America got moved to Comenity. I tried to access the account electronically, and was denied. I called their help desk, waited interminably, and was told it was fixed. Nope, still denied access. Called back, waited, was assured it would be fixed soon. Nope--weeks later, still unable to log in. Then they tacked on interest & a late fee, because I refused to pay without first seeing the statement. They eventually sent me a statement and a letter claiming that they would waive the fees. I paid all legit charges, but not the fees.

DO NOT GET ANY OF THEIR PRODUCTS as they will not follow federal law! I reached out to this company when I noted that an airline defrauded $980. I sought their help, sent evidence, reports, continue to write to them for update WEEKLY and more than once at times. Comenity LIED to me that they were investigating, they MISLED me by sending a generic message disregarding what I have written and presented, they HID EVIDENCE that the funds were returned after federal agencies demanded the airline returned the funds.

1) On Comenity BJs Wholesale - I have no issues with BJs in past years ONLY UNTIL this summer 2022 when Comenity supposedly had system upgrade and since summer 2022, my BJs rewards have stopped accumulating in BJs app. I've contacted Comenity regarding BJs rewards, sent email via Comenity website, contacted BJs to be re outed back to Comenity Rewards and still nothing!!! Same old response from Customer Service - system issue, etc. Anyways, I am closing my Comenity and BJs account altogether.

Apperently, Comenity took over AAA Visa accounts from Bank of America in October of 2022. I have had my AAA Visa card since 2000. Since Comenity took over, I have had 2 months of hassles, issues, and now have a frozen account. I received NO heads up or information about the takeover, paid my Sept payment to BofA like usual. Tried to log in to make my October payment, and the account is no longer accessible on BofA. Tried again a couple of time the next couple of weeks, since I had no idea what was happening and figured it was a site glitch and I'd just have to suck up a late charge. My old due date with them was the 3rd of the month. Then, I got a random message from Comenity Bank stating my account was overdue and I owe a min payment of almost $800. (I have another small store card with Comenity with zero balance, so this threw me a bit.)

They have the worst customer service. The supervisor hung up on me because they have not sent my credit card and I have called literally 10 times and they keep saying that they did and maybe I need to call my postmaster. So I explained to her that I received my bills so why wouldn't I receive the card so I asked for her escalation Department and she hung up on me and so many companies use this company for their credit cards and they are horrible.

AAA transferred its credit card services from BofA to Comenity in the Fall of this year (2022). On the transfer date all account information was cut off from the accounts by BofA but Comenity was unable to successfully activate cards they sent in the mail. Two months later I am still without one of my cards and their website is down so I have no way to see what I owe or to make payments. When the site was up, I couldn't cash in my rewards credit, the website failed. The only way to get information is to spend hours on the phone waiting for their miserable phone support to respond. They admit to 'problems' with the transfer and their website. What a disastrous move for AAA. Their credit card service via BofA was excellent. I assume they switched to Comenity for cost reasons. Their reputation has suffered as a result.

Customer service is HORRIBLE. Always a problem with my statement and redeeming rewards. Have to call customer care and after about a 1/2 hour wait to talk to some person who barely understands my concerns, problem still doesn't get solved. I will pay off my balance, let them keep their rewards and NEVER EVER use them again. Their system was down from June till July and their explanation is that they are still working out the kinks!! Even before that, the customer service was still horrible. Too many other cards out there to use this one and have less aggravation.

For AAA Members who have been switched from Bank of America to Comenity Bank. If you are having problems signing in, accessing your account, or creating an account YOU MUST GO TO AAA.COM/ADVANTAGE. DO NOT TRY SIGNING IN AT COMENITY DIRECTLY. This is not very intuitive.... but look at your statement. It says "Account Questions? Need to make a payment? Want to know how to go paperless? Visit AAA.COM/ADVANTAGE." You can then create an account and pay your bill online...

AAA just switched all their AAA Visa Rewards holders to Comenity Bank. Very difficult time registering. Cannot pay bill online. Comenity is having technical difficulties with their online payments and account lookups. this has been going on for 2 weeks. You can only pay through the phone to representatives based in India at a charge of $9.95. This is criminal. AAA is also to blame.

This is the most appalling, atrocious, shady company you will ever deal with. I have waited over two hours on hold to speak to a manager, we had to file a complaint with a supervisor named "Robyn" so who said they're "a huge bank and never have had a customer with the online issues I've experienced" accusing me of being a "condescending liar". This not only was immature comment especially coming from a manager, it was absolutely appalling. She also claimed that they're a "huge bank" but then later said "when you file your complaint about me you only need my first name because I'm the only Robyn in the organization." Hmmmm let's think about that one again.

I wish I can give negative ratings or zero stars. I have been using bank/card services with so many banks and Comenity is definitely the WORST I have ever seen. They issued Ikea credit cards rewards through certificates at the end of the monthly statement without notifying and there are short windows for you to use them before they expire. When I figured it out, six certificates already been expired and they refused to re-issue. Fine, I paid for my fault. Then I got three certificates from the July statement, $15 each and $45 in total, which will be expired on 10/31.

Opened a new credit card with BOSCOV's, issued through COMENITY Capital Bank. The statement arrived by mail after the billing due date. Contacted the bank by phone, made payment using my NFCU Debit Card and was assured payment was accepted but was not given a confirmation number. The payment, never processed. I called again after receiving another bill with Late fee and finance charges. Called bank again to resolve and was told they had an electronic glitch on that particular day and to wait for a corrected statement. Received an acknowledging letter claiming resolution was being reviewed, wait for a corrected statement...never came. Got a text message to call bank.. They denied claim and charged me an additional late fee. They claim my DEBIT CARD with NFCU was invalid and it was my fault...NOT TRUE.

We had a AAA Visa Card for 15 years through Bank of America. Without notice and from one day to the next, I was locked out of my B of A online account. B of A had no idea why and thought it was a technical issue, so they wrote up a ticket to have our account reviewed. The next day, they informed me the credit card had been transferred to some no name bank (Comenity Bank). My payment was due in a few days, so I had to speak with someone at Comenity. After an hour hold (and automated nightmare), I spoke with a VERY rude woman that was willing to take my payment, but only if I agreed to a $10 charge - despite my explaining to her that we were never sent new credit cards/new account information, nor any notice of the change.

Recently, AAA moved their Visa card from Bank of America to Comenity and it has been nothing but a total failure. The user confirmation tools on their website do not work. I have reported this to the Comenity technical folks and they claim it has been resolved, but the issue still remains. Payments to Comenity from my bank's bill pay service never go through (they've gone through flawlessly for over 10 years to every other creditor). Comenity wants payments made through their site, but I use my bank's bill pay for security and convenience--there is absolutely NOTHING convenient about having to log into the one oddball company that refuse to work with the rest of the world. At this point, $700 in payments (verified by my bank) is lost somewhere in Comenity's little lost world. I don't know why AAA would go from a dependable company to such an undependable one, but we will be canceling this card and moving to a much more reputable provider.

Had a poor experience with this bank. Their website was down and I was not able to make a payment. Received late payment fee that I was informed was removed but received a bill a month later. I spoke with a manager that was unwilling to remove the fee after cancelling the card. Never had this type of customer service with any other credit card company.

I registered and was approved for an Ikea credit card. The temporary shopping pass was not provided to me. When trying to call to resolve this issue the customer service kept stonewalling me by transferring me to Ikea which left them confused. Strongly suspect that this is done on purpose as no one registers for credit cards in advance these days.

Paid 2 payments in June and July 2022 and still haven’t received credit. Finally got my bank involved and they tell me it will be at least 90 days of review. I have a credit score of 870 so I don’t take my bills lightly. They are the absolute worst ever.

We had a BOA AAA Visa account for more than 30 years. The recent change over to Comenity Bank was a total nightmare. Their automated "customer service" phone lines just get you into an endless do-loop and I was never able to activate the new Visa card they sent. It took me dozens of attempts to finally connect with a living human being who was finally able to activate my card. A day later when I tried to access our Visa account on their website it didn't recognize our account number and other information. In desperation I finally opened a Visa account with USAA, where I was served start to finish by a real human being... Should have made the switch LONG ago.

I have held a AAA Credit Card since 2013 through Bank of America. Well, BoA decided my and many other's business wasn't valuable, so they dumped us into the dumpster fire that is Comenity Bank. Wow, what a pile of trash. First day on the site, I had to go through some rigamarole to set my account up. I log in, and the thousands of points I had saved up had been slashed to a measly value of $50.00. I decided to click and see what rewards I could hope to earn. The website went to a 404 Error.

After holding the AAA Bank America VISA for 20 years, I am horrified with the Comenity replacement. The company is ill-prepared for this transfer. The customer service rep was arrogant and condescending. I asked to please cancel the account, but I see no evidence of this happening yet. I still have multiple unclear purchases called "Bread Crumb Trail" (the rep thought I was an idiot for not knowing what these charges were by memory - 3 people use this account). All I want is to be done with this company and AAA, but I feel stuck now. I refuse to call back. IF you do not yet have the AAA travel card, go elsewhere!

I've been a AAA Visa Card holder for years. Recently AAA informed us that they are moving my VISA from Bank of America to Comenity Bank. This transition has been a disaster. Issues: 1) Unable to successfully activate new credit cards (I have 4 on one account), 2) Unable to successfully create an account on Comenity site. Called customer service - they were NOT helpful. After waiting on hold, they said issue should be fixed - but it was not, cards do not work. I am done, time to cancel and get a Visa from a company that is competent. Note - I have worked in IT for over 30 years - there is no excuse for this.

Comenity credit card has the worse customer care service that I have ever experienced. I waited 2.5 hours on hold before I actually got to talk to someone, and then I could barely hear or understand the person. I was afraid the call was going to disconnect. Yes, the representative did finally take care of my issue, but 2.5 hours??!! Comenity is always having computer issues that seem to take months to resolve. BJs needs to change credit card companies. Don't sign up for a BJs card until they do.

No app… Website down constantly… AAA switch from Bank of America visa to Comenity visa without any notice then all the sudden I was stuck. I couldn’t access my Bank of America app and account nor being able to access Comenity website and I was surprised that they don’t even have an app for their customers. I’m also blaming AAA for this mess.

I cannot rate this business low enough. I have this company for two store cards, and I really regret it. I have had one card since roughly 2015, made payments on time consistently, and since they've been bought by Bread Financial I have had nothing but problems. They keep moving due dates around for one card, calling multiple times a day claiming we are behind, once claiming we owed three months of payment and we weren't behind at all. My other credit line said they were sending me a new card when I lost my current one. They didn't, and I was without a card for actual years. I requested a new one several times, and the same thing always happened.

I have many credit cards with Comenity. NY&Co was having technical issues and my payment didn't go through. It took Comenity 90 days to complete their "investigation" just for them to say they aren't going to give me back the return fee. Comenity is trash and I will no longer be using any of my cards with them. Lost a valuable costumer because of their error.

Comenity Bank is awful. I have a few cards thru them and let me say they are just horrible. I've had Victoria's Secret for almost 2 yrs, never missed a payment on it or any of my cards for that matter. I always pay early but this card I started out with 150 cl and now I'm down to 50 bucks they have continued to decrease my limit because my credit score has dropped down some. And now the same thing with the Sephora card. I had 250 cl. It's been paid up for 3 months. Victoria's Secret has been paid up for a while as well. I did use them both here and there and paid them up before they decided to do this crap.

In June, BJs through Comenity Capital Bank send me a bill for $6.12 which I paid using the account I set up in my bank for BJs years ago. The next month I received a bill for $350.36 which included a late fee and some accrued interest from the month before. I called the bank right away and the representative had the $30.00 late fee removed. However, the representative said that they could not remove the accrued interest. I made a payment through my bank and the account I set up years ago and it was paid on August 16. I tried to get gas on that same day and my card was rejected.

I was informed the Farmer's Visa through Comenity was being discontinued but that rewards would still be earned thru 7/31/22 & could be used thru 1/31/23. I made a purchase of $1650 6/23/22 & was supposed to earn 3% because it was a Farmer's ins product. I never received the reward and the reward site has been down for 2 month. Also, they charged me a late fee which I felt I didn't owe, but they didn't reply to my message until I owed a 2nd late fee. I felt I was charged $47.78 unfairly, but when I called they said no credit could be given because the account was closed - which they closed, not me. Funny they can charge late fees on a closed acct but can't give credits. I had paid my entire balance on time before the late fees were given. Very frustrated because I was on auto pay & I'm never late!!

Just a heads up. Comenity Bank who approves stores such as Victoria Secret, Express clothing credit cards. This is the worst Bank, I got approved for a certain amount. They lower the amounts of my cards because my credit score went down. I paid all my monthly payments on time and not once missed a payment and they cut my approval limit to more than half. I have my Victoria Secret credit card for more than 3 years. Not once I missed a payment. They never increased my limit. In fact they decreased my limit since my credit score went down. Also I don't even use my credit card as much. Not even 50% of the balance. This is the worst bank approval I heard of.

When my Gardner White furniture store card was converted into Comenity MasterCard with the same credit limit, it looked like a good idea. However, after recent 'upgrade', it has become a complete shambles. Rewards program has not worked for at least 3 months (1.5% cash back is not being honored), my credit limit was reduced by 50% with no prior notice despite excellent payment history (imagine when it happens while traveling overseas!!!). Website did not work for several weeks in June and July making it impossible to check balance, available credit etc. while traveling. No app is available. People in charge of customer service seem to be completely incompetent. I closed the account and advise everybody against considering this product. Terrible way to treat the customers!!!

Even though this bank "Comenity Bank" which under rights the credit card accounts for Floor Decor, is a subsidiary of Alliance Data which is rebranded under Bread Financial, it is performing financial fraud with customers nationwide. My experiences were related to their faulty website practices of not showing you any information when you payoff your account balance online. I waited 48 hours and no confirmation, then when I attempted to redo the payment online, suddenly I received a verification.

Save yourself a lot of grief and do not get the BJ’s card from Comenity. They refuse to take payment through automatic payments. Then they charge you for interest and fees! I kid you not. They are criminals in my opinion.

I've only had this Comenity card a few months, thought it was a good card but now I know better. Was never able to get my cash back, was told it would take 45 days whereas other cards instantly apply your reward, so in order to not get a late fee I just paid the cash back balance. Customer service was horrible, had these people who don't speak well and they were very rude. I made many calls but to no avail. And they had told me I had to change my password by June 27 but when the time came, their system was down for a month.

I was supposed to have billing by email but I didn't receive an email re billing until this month. $40.00 a month late charge since May for a $25 purchase. The phone number provided is automation only...no customer professional comes online...it just hangs up when you press the number for service. I will never recommend doing business with this company. Horrid customer service because they have no representatives to talk to.

I called them to verify how much to pay my card off in full and how long that amount was good for. I was given a figure and a date. I paid the amount off in full before the date given and then received a bill for $169.16 which was a membership fee of 110.00 and 59.16 in residual interest LOL which I called and made sure that the balance I was paying in full included everything and was given a pay off and a date to pay by for that payoff, which I paid, anyway I called and spoke to 3 different people today. Two considered supervisors. Another LOL. No one will remove the interest which never should have been charged in the first place. This bank must be really hard up for money so I am closing my accounts with this bank and will never do business with them again in any form. If I get a credit card from them I will not keep it. They are horrible.

When a few brands we have credit cards with moved to Comenity, big problems began. They included the NFL and BJs. Constant, prolonged system outages blamed on update problems, keep us from being to monitor usage and even delays payments over and over despite a lot of work trying to pay. With all that system problems, which have lasted for months, their customer support staff is overwhelmed and is very difficult to reach.

This bank has messed up my credit card account every month for the past 4 months. I will list the issues: First this joint account was switched to Comenity when BJs switched to Comenity Bank. Comenity does not have Joint accounts so they made my wife account holder and me an authorized user. Every time I call customer service to get them to fix problems with the account they refuse to speak to me. We have to wait until my wife has a day off at which time she tells them to speak to me. Our account has always been set up to auto pay at Comenity to draft the statement balance from our checking account on the due date.

I own a couple wedding rings with Helzberg through Comenity and paying off a 6 month promotional plan has been a nightmare. Don’t bother getting anywhere with the first representatives that pick up the phone, and when the system is working - hopefully the 2nd tier/senior representatives do the job correctly. Think twice about opening a credit line if you see Comenity attached to the brand.

Comenity is a subsidiary of Alliance Data and they have rebranded to Bread Financial, the company have taken my card's auto-payment off without my authorization and did not gave me any notification of payment due. They then charged me hundreds of dollars in late fee! I tried to work with customer service but none can revert my fees back. This is the most despicable business practice and I am sure they have done this to MILLIONS of users resulted in BILLIONS in these unscrupulous charges. Unlike those rich ** Executives, I made $11/hr. SO these late fees are an incredible stress on my finance. THEY OBVIOUSLY DON'T CARE ABOUT MY SITUATION.

After looking through my bill I realized that I am being charged finance charges on my credit card bill twice at the end of the month. After finally reaching Comenity Bank and asked why I was being charged dual finance charges at month's end billing. I was told because they took over the PlayStation card from Capital One in November and I had a $200 balance and I was paying a finance charge on the $200 purchases I had with capital one and the new purchases I made with the card since they took over was a separate finance charge. WOW!!! Closing account ASAP!!

I have been trying to talk to bank for over a week with no luck. Have tried email on the back of card and it told me it didn’t exist. Have tried other social media sites with no luck either. Have other accounts with Comenity but haven’t had any problems that I needed to call bank.

I had opened a card with Comenity with promotional offer. I paid balance in full, but because it was on the weekend they decided to charge late fee. I called and closed account and told them to discharge the late fee because I paid balance in full on time and it's not my fault that your system is not registering payments on weekend. Now they are reporting me to all credit agencies that I have a balance of 138 and have late payments and my score dropped from 800 to 600. Nobody responds to emails and nobody picks up the phone at 800 number.

I have had a credit card with Express for the last decade + I have never had an issue until the last month. I have been attempting to get in touch with a human regarding paying my bill. It seems nearly impossible. It takes a minimum of 30 minutes to get anyone to answer the phone. When they do, they are the worst customer service people to ever have been on the other end of a phone. I've gotten hung up on several times. Reverted into queues with astronomical wait times, and just been spoken to beyond rudely. Where in the world are these people located?

I have had this credit card for about 15 years and haven’t had a problem until recently. Their website has been broken for about a month without a way to pay your bill until recently. I’ve tried calling customer service numerous times and have been disconnected every time. I’ve sent secure messages and haven’t received notice within the 48 hours they claim. I’ve finally managed to pay my bill but it hasn’t been withdrawn from my checking account. Never again will I sign up with this bank now connected to bread. Terminating this credit card — if I can ever get a hold of someone to do so! Run fast from this company!

When I purchased items from Burks outlet, they asked me if I would like a savings card, I agreed thinking it was similar to a Food Lion card, had no clue it was a credit card. She typed in my information and told me my limit was $250 then it hit me that she meant credit card, insert eye roll. I used the card and paid off within 6 months. Paid a total of $324 in March on the website. Paid the card off and closed the account. This is July. I received 2 phone calls from them in one day last week, both times I answered they hung up immediately. The next day they called again and told me I had a balance of $51. I told them it was paid off in March and to please let me speak with a supervisor.

Shopping at Loft, I agreed to open a loft all rewards MasterCard. I put a purchase and change on it. I lost the digital receipt and over four weeks later I still have not received a statement or a card. I have been calling Loft and Comenity’s various numbers, only to be told that the system is down or it transfers me for customer service only to find out its bots selling life alerts and DIRECTVs. Seems like a scam and something is going on. I am so angry that Loft is allowing this Bank to do their business. My bill is due in a week and I can’t even pay it unless I give my bank information to one of these numbers. I’m not comfortable doing that and would rather be able to wait until I can pay by phone on the app. That way I have a picture and record. Loft is no help either.

I made purchases through a vendor that offer credit incentive through Comenity Bank, now called Bread Financial. I have made several attempts to pay off my loan and somehow they can't process it. They told me they can only accept payments under $10k and if I want to pay anything larger than $10k, they will need to make a few payments. This is fine but after passing me to a supervisor/manager, he was able to help with processing, mind you this is the third time that I try to pay off (the first two was unsuccessful, somehow my authorization went through thin air). After he had enter all information, I waited for a week to make sure it gone through, and of course it did not. I tried to call back a few times and their phone system said they are having issue with accessing all accounts. I just found out that they had reported me to the credit bureau for not paying my loan. This bank is disorganize. Their customer service folks do try to help but they are lack of bank knowledge. I am very disappointed.

Since the planned update recently that took longer than expected, we could not make payments over the phone or online. Finally we went to several retail stores whom credit was through Comenity and made payments or paid off the accounts. Payments were lost in transactions and now that their phone system is working they are telling me that they can see the payments and are working on it but I need to pay late fees due to their issues and it is being reported to the credit union. Most of the stores we went to didn't even know that their credit company was having issues. Sounds like a class action lawsuit in the near future.

This company a few months ago purchased NFL Rewards Card from Barclays whom were an absolutely awesome company for over 13 yrs I had account with them. Ever since this company has taken over, every single month it has been a disaster. At first they locked me out of my account when I actually had a negative balance (They owed me money). I had to prove to them who I was with copies of Id, SS card and even a utility bill to then wait another four weeks for them to unlock my account. They claimed security issues flagged my account..??

I have been dealing with a payment I made back in February, noting they are not receiving my payment now for 4 months. We have issued now 3 separate checks to them, I receive an email they received it and then another letter in the mail noting my account is on hold. Never in my life have I had such a run around by a company that clearly is not running correctly. Can't get to a manager, have sent now 2 times all of the documents they have requested and call every single week to go thru the same circle with them. I would never ever recommend anyone using this bank and the sad part, I will never shop at Carter's ever again because of the bank they are using.

I along with all of their other cardholders have been inconvenienced tremendously. They claim they had a planned system upgrade. If that was the case, customers should have been notified of this planned upgrade. I like most of those people have been trying to access the online portal to make payments, view transactions and any other account options. As of this post I have been unable to log into my online account center to view transactions for 11 days! They have a copy and paste response on Facebook about the "planned" upgrade saying to keep bearing with them. It is unfortunate that is the way this company is handling themselves. They plan to waive late charges for customers who missed payments on the 27th and 28th, but unfortunately for the other people they are out of luck. Hopefully this issue isn't reported to credit bureaus for those people. I paid my bill in full to avoid this.

I applied for a Sephora credit card and was immediately approved. I was able to make a small purchase with a digital temp card but the card was physically sent in the mail. Less than a week later I got an email saying my card arrived in the mail but it never did so I called Comenity Bank's customer service and they said they sent me another one. A week goes by, I receive nothing in the mail so I call again and they say they are going to send it again. At this time, It's been a month since I was approved for the card so I have received my first statement and a payment is due in 20 days. I am unable to make a payment without the physical copy of the card so this will affect my credit score if I never receive the card (for the 3rd time, let's pray it actually comes)..

On a monthly basis, they will send a denial letter (Even though you never applied for credit with them). Those causing one's credit score to plummet. Contact them about it, they refuse to do anything. So, anyone is looking to look for credit cards (I'm not; however, if I was, I would not deal with Comenity Bank even if my life depended on it). Stay clear of them. Comenity Bank is nothing but a scam and they will do everything they can to ruin your name even if you don't have an account with them!!!! If all possible, stay clear of Comenity Bank and never allow yourself to be scammed by them because they will ruin your credit even if you don't have credit with them.

Whenever I received their paper billing statement I went to my online banking and sent payment in full. 3x in a row I had late fees added. It wasn't until I realized that they claimed to mail the bill on the 1st I wouldn't get it until the 13. I guess my bank would mail a bill to them and by the time they entered it in it would be late. I've been on the phone trying to contact someone while writing this and 2x I was a hold and drop. I hate these smug cheap money grubbers.

I opened a Sally’s Credit Card and was approved. I purchased a few times and kept up with my payments. Bought a new blow dryer and curling iron. Quite pricey but great products. Miss my payment date TWICE, Due to Covid, but made my payments and got $40 added for late fees each time. They decided to lower my balance which dropped my credit score. I paid the balance off and did not use the card for 2 months due to still trying to get caught up due to having Covid for almost a month. They didn’t care and decided to close my account due to no activity. Which really hurt my credit. They will ruin you and your credit before they will help your credit. Do not get a Comenity Account anywhere.

Worst credit card ever. Wouldn’t recommend. They have lots of technical issues on there and involving the online payment system and then you are the one that gets in trouble for it resulting in your card been frozen for weeks on end. If you try to talk to anyone you will receive the worst customer service of your life. The last time I tried to call and have an issue worked out the woman straight up hung up on me. They will not give you any help at all and they blame you for all of the technical issues.

I have had nothing but trouble getting help on a situation with my account. Comenity bank says it's Ulta's problem. Even trying to get through to a human being is next to impossible and when you do, the person disconnects within seconds of saying their name. Every single time. The only way I could find to communicate with someone is through the online customer service. They say, "We've sent the info to a higher department," and to wait for 24 hours for a response. This is twice now I've been told that and I've heard nothing. This isn't the only time either, I felt completely helpless when my card was being scammed a while back. I'm canceling my Ulta card and going to Sephora. Good riddance.

I do not recommend this company Mastercard. I did not receive one billing statement and was told after I payed my account in full satisfaction. I could not use my credit card for thirty days due to one missed payment. I never missed a payment and always paid my balance in full payment. I was a loyal customer, I could not believe I was being treated like I stole something. I canceled this credit card and will not do business with this company again.

Harasses you if your payment is even a few days late (not even 15 or 30) and will lower your available credit if your credit score fluctuates, further lowering your credit score. DO NOT TAKE THIS CARD. IT'S NOT WORTH IT and can do more harm than good to your credit.

I have had my Victoria secret by Comenity bank credit card since 2015 and never had an increase since I opened it. I have had on time payments, increases salary and even spoke to a representative. I was told sometimes the customers put the card on hold for no increase. About a year or two ago I was told they would take the hold off since I did not request to put it on hold but still no changes. In store workers told me they had increased the same year several times since they open their accounts, yet mine stays the same. It’s not worth keeping if it doesn’t increase from $200.

I had a MasterCard with this company for numerous years. I went to make a purchase shortly after paying off my balance. As a matter of fact I overpaid. I went to make a purchase and I had to answer some questions by customer support to verify it was me. They called me on my phone that is on file. I was in a store and had to ask them to report several times. Apparently I failed to give a correct answer. So they went and closed my account and red flagged my credit report. Instead of contacting me or letting me verify another way they just closed my account. STAY AWAY FROM THIS BANK, THEY DO NOT CARE ABOUT CUSTOMER BASE.

I've been collecting SUBs, trading in perks, and otherwise sampling a lot of cards these past few years. I'm doing it from budgeted perspective. Some people are also looking for a bank that pays competitive interest on deposit products which Comenity does relatively speaking. It'd be great if Comenity offered good interest rates and great card but the bank offers a base level MC featuring run of the cashback statement credits and a sucky welcome bonus. A moderately high bar to clear for acceptance. The user reviews I'm reading say nothing better or nothing worse than the other lower budget cards in the credit card universe. This is a weak card with little enticement.

Do not open the Comenity® Mastercard® Credit Card! They will screw you over and over. Getting help from anyone that understands you is even more frustrating! I had my credit union cut them a check for the total balance and Comenity did not process the check in a timely manner, thus resulting in another finance charge. My credit union had to reach out again for an overnight address, claiming they never received the check (a month later and with the address confirmed by my credit union) and even after paying the balance in full, I receive another finance charge for the zero balance. Comentiy was not willing to reverse the fees and I'm still living this nightmare even with the card closed and paid in full. Save yourself the headache. It's not worth the reward.

I opened a Comenity Pottery Barn credit card August 2020. The card had a $4135.86 credit on the account when Pottery Barn switched to Capital One. However the credit was not transferred to Capital One nor refunded to me before the account was moved. In addition 6 months of statements with carryover credit are no longer accessible online to view. Capital One said it’s not their problem, Comenity representatives disconnect me and there is no online access to the original account. I will be sending my complaint to the BBB, state attorney general and consumer protection agency for resolution and recovery of monies owed.

I had trouble logging onto the website and in January received a late fee. I thought my due date was on the 15th but was actually on the 13th so in February I paid it off on the 15th. Then received a late fee three days after I paid it off and have been charged two months of late fees. I called and spoke to someone who was not willing to help me and rude. I will definitely be closing out this credit card!

I was unable to pay Comenity for 2 months because I couldn't access the website. I even tried their quick pay where you just put in your card number, zip code, and last 4 digits of your social. It told me that the card didn't exist. I finally called today and had a hell of a time getting to speak to someone. Finally a customer service individual helped me get a new password set. I was able to log on, make a payment, and move on with my day. I tried signing in again, it said it failed. I did both the website login and the easy one where you put your card. Guess we are back where we started. Same damn day and it doesn't work again. Do they do this on purpose to rack up late fees?? I am going to cancel my card. This is ridiculous.

Purchase furniture with zero interest if paid off within the promo months. They don't tell you there is a finance charge every month depending on loan amount. It would have been cheaper paying the interest. Comenity Bank is a rip-off.

This card is horrible. I paid my bill the day after the due date and they have been charging my card a 40 dollar late fee for the past few months even after I cancelled the card. It's already on my credit report stating that I didn't pay this stupid late fee. Even if you don't use this card they expect you to pay 20 dollars a month.

Charged me a late fee and would not waive it even though I'm 100% positive I set up a payment! But their system NEVER messes up...okay, yeah, sure! I guess they have a different system than the rest of us, they live in a magical world! They could even see that I logged in, umm....excuse me....Why would a person log into their acct days before due date AND NOT SET UP A PAYMENT. But no, instead they called me a liar and TOLD me I did not set up a payment (because their system is magical and would never glitch) and I'm stuck paying a ridiculously high fee with interest charged on it!

The customer service is the absolute worst of any bank I have ever used. They charge fees on top of fees and refuse to help you. I will never use them again. My payment for my credit card was lost in the mail. They told me they would waive the late fee and to send a new payment which I did. But then they didn't remove the fee and added a new monthly fee on top of it two more times while I tried to get the original one removed. So they finally removed one of the late fees but demanded payment for the ones they added on top of it because they didn't do what they said originally. Poorest customer service I have ever received from a bank or credit card and will never use them again.

I paid off my Big Lots credit card in full. The next month I get a notice that I am late and owe them $46.00. I paid the balance without complaint. The next month I get a notice that I owe them $76.00, now I am paying attention. I check my balance and Big Lots was charging me a "mandatory $2.00 interest payment" on a paid off account. I called and told them to close the account. I asked why I was being charge these charges and was transferred to another agent who disconnected me. I attempted to call back and was sent to an automated message that "representatives only work Mon-Sat." It was Sunday morning and I HAD JUST GOT OFF THE PHONE WITH THE REPRESENTATIVE. If this is the way Big Lots handles disgruntled customers I will never utilize their services again.

This company lied and manipulated my 91 year old mother with dementia. They scammed her into getting a credit card for purchases made to the Woman Within catalog. All of the items were either not shipped or returned. They initially tried to give the money back as a credit for merchandise. When they were told to credit the credit card it was a back and forth between the clothing line and the credit card. This was months of battling back and forth with empty promises of things being resolved. We were told on multiple times that things would be taken care of. And months of calls and promises ended with the credit card stating a return merchandise fee of $28.00 was not paid so they kept adding late fees even after two conversations with managers stating there was a zero balance.

If you have store credit cards with Comenity, they will charge you finance charges after you have paid off the bill by the due date, and they try to justify it by saying it's calculated daily and you have to pay it. I told them that that makes no effing sense and get rid of the charge, which they did, so this is a warning that if you pay off your bill each month or so, you will still incur finance charges after your account balance is 0, and apparently they think they can get away with it.

I obtained a Tile Shop credit card, which is issued by Comenity Bank, to purchase tile. Comenity sent an email notice to pay the bill online, but it required the account number, which I didn't have yet. The paper bill came about 10 days later and I mailed in payment for the entire balance the next day. The card itself came several more days later and doesn't even have the account number on it. The next bill came and had a late charge and interest, because they got my payment late, even though I mailed it as fast as possible. There was no way to pay it online because I didn't (and still don't) have the account number.

I have to start from the beginning. I make a payment from my Citibank checking account early in December 2021. First it does show processing, but later a week it was denied. Reason my bank account routing and check account do not match. I double check too many times. I am 200%, that I enter routing and checking account are correct. I have been make payment to Best Buy, Walmart, Target, Amazon, Capital One. They never have problem return like Overstock bank did.

Never, never use Comenity Capital Bank!!! You will be stricken hard by an outrageous finance charge at the last minute. I bought my wife a one-carat diamond ring to commemorate our 30th wedding anniversary in November 2020, using Blue Nile Credit Card issued by Comenity Capital Bank. It took me 30 years to buy her a diamond ring, and it needed another 12 months to pay it off. However, due to personal circumstances, I could not pay the balance in full in November 2021, the last month of the twelve-month promotion. The balance in November 2021 was $409.

If I could give Comenity bank 1 star I would. They are charging me $140 in late fees (sending the payment on time). I have spoken to several representatives and supervisors and get a different story each time. 1- "We are understaffed and don't have enough personnel to process the payments." 2- "We recently switched banks and your bank account has changed." 3- "The facility you are sending the payments to was destroyed by a storm and we have a new processing center." 4- This one was the best-(supervisor Erica) "I don't know who you have spoken to and there are notes on your account of what you have told me but none of that is true. We have not changed banks and you need to pay the late payment fees, I am truly sorry for your inconvenience." Lol.

I’ve had two cards with this company. One for 8-9 years and another for one year and they decided to close my one year old card without any details. They claimed that they processed a hard inquiry again and found that I was a risky borrower. Not sure how that’s possible when my credit score is 680 and I have no collections from this company or any other. They said a letter would be sent in the mail and I did not receive anything from them. Considering that they pulled my credit report, approved me for a card and then I lost the card and this is how I found out about this. To then now close that account without any explanation. Meanwhile, I have a hard inquiry I can’t get rid of until it falls off after two years. Don’t bank with them.

Will never use Comenity Bank again. I have (had) a Mastercard with them and with few exceptions, I pay my balance every month. My purchases started being declined and I called to about it. They closed my card. I have not had a late payment in YEARS and am not buying their excuse that a credit reporting company reported something negative on my account.

They appear to use every tactic possible to slow the repayment of Certificates of Deposit. They continually lie about when the money will be refunded. Even with good rates they should be avoided. Support is friendly but frankly not helpful.

Awful customer experience. I was told that I owed some amount and I authorized the customer rep to go ahead and make a payment. She said I was all set and a month later they charge $1 on my account and since I did not make any purchases, I did not log in to see my account balance. After 3 months, they send me a paper bill saying I owe $39. So, I call them and I explain them what happened and they ASSURED me that they would take the $39 charge off my account and I don’t owe them anything. I opened my account today to make sure and I see $7 charge on my account.

I have had a Carter's card for three years. Never late, didn’t use it excessively, paid my balance in full. This company randomly pulls credit reports and cancels your card based on information in your report. Whether that information is accurate or not. So now they tanked my credit even more by canceling a positive account. It is sad that they don’t do business based on good client relationships and how responsible you’ve been with your account, but rather what random, inaccurate information is on your credit report. Be careful with any store cards dealing with this bank. If they use Comenity, don’t do it!

I had the Children's Place Card issued by Comenity Bank for about 5 years now. NEVER missed a payment. Now that my kids are getting bigger I use the card less, I have had this card paid off for 2 months and stopped using it at a ZERO BALANCE. At a zero balance you expect not to check the website every month because you know you do not owe anything. What a slap to my face. I got an alert thru Capital One saying I have a new report on my credit history a negative rating. I logged in and saw the Children's Place reported my late 1 month. Why?

Worst bank I have ever had credit with. I made full payments all the way through the pandemic. I missed two payment due to the pandemic. I wrote them a goodwill letter and requested they remove it from my credit. All the manager said was they were unwilling to work with me. They also lowered my credit limit to only $100 even though I paid off full balance once I finally had funds to do so. Not to mention their late fee is $40 which is the same as monthly payment due. Thank you for understanding your loyal customer NOT! Regardless I closed my account. See you never!

I opened a credit card with Academy in July 2020, had a credit limit of $850 and made a purchase of about $150. Made my minimum payment every month, was late once and paid the fee. Made another purchase after a few months, continued to make minimum payment on time every month. August 2021, they tell me they're lowering my credit limit to $100 due to "previous negative experience with Comenity." I don't have any other Comenity accounts, and my credit report shows I made all my payments on time. I had recently opened up a new credit card to pay for some emergency vet bills, but my credit score was still pretty good and all of my accounts were in good standing.

My name is Lora **. I was preapproved online on 9/16/21 for an IKEA Projekt Card for a complete kitchen remodel. Unfortunately, the door style we chose has a finite date for availability due to being discontinued on 10/1/21, so I called Comenity Capital Bank the next day to see if there was anything that I could find out on how long the final approval would take but was told that it could take 3-4 weeks from application date. I asked if they needed anything else but was told that they had everything they needed.

After paying off my bill in full with a loan I never pulled up account again. Only to receive a past due notice email stating my account was two months overdue. I screamed WHAT, WHY only to be told it was finance charges. I was NEVER late over years with an account with them and now they have ruined my great credit, 100 percent paid on time, for the next seven years. I’m 74 and have never had late payments. I suggest no one get an account with them. I mean never!

I’ve always paid my credit card on the due date and was wondering what was taking so long for my account to be paid in full. The last payment I paid it all, not just a payment just to find out the bank was taking my payments as late fees because they said I did not pay before Their 5pm cut off time on my due date!!! But my payments were made on the due date just not on their time!

I tried to take advantage of the Comenity $100.00 cashback July 2021 open a Master Card offer. A credit check was completed several weeks later with "Excellent" reported. After weeks passed and several lengthy, frustrating (and documented) follow up calls I was assured "offer will be honored". No card was ever issued and no rejection letter was ever received. No $100.00 cashback on the Horizon. I tried to follow up again today (9/17/21) and can only get a busy tone @ Comenity. Other than efforts to follow up on this offer I would stay clear of doing business with this type of bank. Ref customer service calls 7/26/21 ID ** & 8/2/21 @1:32 EST Norma.

Made a mistake and applied for this Visa card at Sportsman's Warehouse with the promise of a few bucks off my first purchase. Received statement and paid in full. Got a new statement this month showing full payment, but billing me for $2.17 interest. Upon scrutiny of statement, I discovered that I have accrued $29.00 in "fees" and $5.42 interest to date in 2021. How can this be when I have paid my first (and only) statement in full and promptly? There is something crooked about this (Comenity) bank Visa. Called customer service, and after a lengthy conversation, most of which I was on hold, got no satisfactory explanation. I am cutting up my card and returning with a payment of $2.17 and cancelling my account. Do NOT make the mistake of dealing with this company.

Paid a couple hours late. Was reported on my credit report. Dropped my score 50 points. Called to ask nicely to have it updated was transferred and hung up on. Called back was transferred again. Only machine help, no humans. Worst customer service experience I have ever had from a credit card company.

Anyone else trying to log into Comenity and cannot? For days I have been trying to log into Comenity to pay my Overstock bill. It is impossible...Try it. They want you to sign up for something called "Easy Pay" which is my choice and I do not want to. They even say, "Try It!" I do not want to try it. One of the requirements is that you have to relist your Social Security number. I don't want to do that. I just want to log in and pay my bill. There is no help. no chat, no nothing. There are however, a load of complaints against them at the BBB. So, you are forced to do something you do not want to do and they will not let you log in. Meanwhile, they are laughing their behinds off somewhere in the Cayman Islands. Avoid at all costs.

My wife got an Academy Sports Credit Card managed by Comenity Bank of Columbus Ohio. She made an $80 purchase at Academy in November. We failed to make payment when it was due in January, for some reason which I don't remember. In February, I realized our mistake and paid the statement in full on 2.9.21. I have a canceled check proving it was paid on that date. On 2.18.21 they added more late fees and interest, which made us have a continuing balance. Ever since then I have been trying to get the late fees and interest removed. I appealed through their dispute process and was denied. I called them and have appealed again, waiting to see what their answer is. Do Not Sign Up for their card!

I opened a CD account on Direct.Comenity.com for $1500.00 on 08/22/2021, made a mistake about my funds, and tried to temporarily reverse the amount back to my bank on 09/01/2021 (10 days later). The first woman I talked to said there would be a $5.23 penalty, but I got cut off. The second woman said the first woman was wrong, and the penalty would be $900.00. I said it was outrageous, and all I got was condescension and a sales pitch.

I returned an order to an Ann Taylor LOFT store and was charged a $8.95 shipping fee on my LOFT card managed by Comenity Bank. I didn’t discover this charge was there until 3 months later. Not once did I receive a bill or an email letting me know. By then I was slapped with late payment fees and interest charges all because of $8.95. You don’t go into a store to make a return and expect to be charged again. After months of thinking it was resolved, my credit report revealed Comenity won’t change the 30 days late payment on my credit report. This is after LOFT realized I shouldn’t have been charged and even refunded me for the late payments and the shipping charge. Mind you before this my credit was almost perfect and took a nose dive because of this. I pride myself in making all payments on time and I’m ashamed to have an account with this deceitful bank.

Paid off my bill and now being slapped with 200 dollars in late fees because they decided to charge 50 in interest. They seriously need to take the late fees off as I paid them nearly 3 grand and now they are killing my credit. Been in contact with them several times and they refuse to lift the late fees which is insanity. They decided to send notice 3 months after the fact because I thought I was done with them.

This business "practice" (loan sharking?) can't be legal, can it? Has anyone else found a solution to dealing with Comenity? Comenity has severely damaged my credit (and I basically used the furniture store's credit because they said it would help improve my credit after a divorce, etc.) I charged furniture close to three years ago, and I owe more now than I originally charged! I've tried to work out options with them, and did the Covid relief break they offered last year but it's worse than ever now. I am in a position where I cannot pay it off and can't even make the minimum payment they want now - due to having unexpected moving expenses (COVID-related as well) I've paid more (probably twice as much) than the cost of the furniture already...

The Comenity website is awful and cannot process my username and password repeatedly even after reset. Of course, got charged numerous late charges because I don't have the time to call in every payment and I missed a few by a day or two. THEY WILL NOT REVERSE THESE $40 CHARGES. During a pandemic, even after several phone calls for help getting into the website, AND asking for my due date to be changed (a 20 min conversation) and the due date remained the same.

More cheating garbage, BJ's asked me to have this card, which I never got and never activated, a year later they charged me with BJ's membership and a late fee of $128 for a card that was never activated and never arrived. When I called they told me that if I did not pay they would pass the bill to bill collectors and report my bad credit, at this moment I have it at 775, I paid to avoid having to have a problem, cheating mafia, and BJ's lost 8 clients.

My wife got a Sephora credit card that was charged a late fee, because she scheduled a payment on the due date, but because it was after 6pm ET. Then she was charged a "finance fee" for getting a late fee. And then she also got a "minimum interest" charge. When she tried paying the balance, she scheduled a payment with the "schedule tomorrow" option, this time to be on time, but their system is in a different time zone, and the "tomorrow" was actually a day after, which again let us to a late fee.

I opened my Children's Place Credit Card in May 2021, paid off my balance online in June 3 days before the due date. The bank was unable to verify my bank account so they returned my payment and of course charged me a late fee. Once disputed and phone payment was made, all charges were removed but then my account privileges were restricted and would be considered for review in September. You have got to be kidding me, as if I am some kind of child in trouble for poor behaviour!! SMH. How ridiculous and petty is this?? At that very moment is when I remembered why I closed this credit card many years ago! I have excellent credit and I refuse to give this bank my time of day ever again. Taking my business elsewhere! Huge Loss for Comenity Bank!

This is a rip off crooked bank. Restricted my account without any explanation blocking access to my funds. They use their depositors as short term financing. They are thieves. Avoid like the plague and disease.

Initially, I applied for a Wayfair store credit card before Comenity replaced the product. Wayfair closed out their store credit cards temporarily due to the pandemic. I thought my "replacement card" was useful at the time because I needed to invest in new furniture, moving expenses, etc. Every 2nd of the month, I pay my credit card bill on time, but according to my most recent statement, I've been charged high interest fees. I have not used the card since November and I still have an available balance of $2,332. I have a Sephora Visa with them as well, but my biggest issue with Comenity is the level of distrust between cardholders and account specialists. They are not as transparent with the cardholders and they always refer me to the secure message center. Once my balance is transferred onto my newest credit card, I am closing my account.

BEWARE: Comenity Bank handles many business accounts for department stores. I opened a Bealls Outlet account in which Comenity Bank serves as their credit services. They will charge interest and late fees for nothing. Even if you close the account the interest accrues, but they will not credit the interest. Example: I have excellent credit and always make my payments on time. They charged me $2.00 for a late fee which was supposedly after I paid the balance. They assessed an additional $4.00 since they did not receive the $2 check I mailed. While this is only $6, ripping off thousands of customers means they are collecting thousands of dollars.

The bank offered a great rate, but I was not aware when I deposited my money that there was a limit of $10000 a day on withdrawals and six per month. I made the mistake of putting my money for a down payment in the account and getting it out was a big hassle. I contacted the bank and they didn't even seem to have a clear record of how many withdrawals I had made. Will not use them again.

This bank has terrible services and keeps charging me everyday. One day late charge fee is 38$. Normal we have 36 months pay for, we only pay the 13 months but we finished. Next time don’t trust this bank. It will keep charging you everyday.

My bank automatically sent their payment 2 weeks in advance of the due date. Comenity did not process it so I got a penalty. I then changed my payment send day with my bank to 3 weeks before the payment was due. I watched my account everyday until the day before it was due. I then paid the bill directly through their website and then cancelled the electronic payment that I made 3 weeks earlier since it had still not been processed. Comenity Bank charged me a $25 cancellation fee. If you don't pay directly through their site, their processing of external payments is ridiculously awful!

I opened a Sephora Credit Card which is from Comenity. I pay my balance on time every month, always in full. However, last April 2021, I noticed that my statement has an interest charge on previous purchases so I spoke with customer service and none of them can explain it. I keep asking them what is the interest for and why do I have this interest when I pay my entire balance in full every month. After more than 30 minutes on the phone, no one can explain to me what purchases are those so the supervisor ended up removing those charges on my account. However, come May 2021 statement, there are interest charges again to which I again called them and ask what is it for since I keep paying my entire balance every due date. No one can explain to me.

I think is is important to start with I never wanted Comenity Mastercard. It used to be a Wayfair Card that morphed into something else that has been nothing but awful. I mailed a check to Comenity Mastercard on April 29th, 2021 to pay off a balance. On May 19th, 2021, I noticed that the check had not cleared. Fearing it had gotten lost in the mail, due to the large amount, I placed a stop payment on the check and paid the card balance in full online. At this point the card is at a zero balance & I think I am done with Comenity Mastercard.

Received a $31.00 late fee because the store forgot to refund me for the .04 bag I gave them when returning a product. They took off the fee but had to give me a required lecture speech about how I need to pay my balances on time. There was no wiggle room for the fact that the charge was the store's fault and not my own AND the fact that I was closing out the account. The first CS I spoke with was horrible. She gave me a fake name and fake id# so she would not get in trouble for being the worst and she did not take off the fee either so I had to call back. Even their voice prompt doesn't allow for easy CS access. Overall a terrible experience.

How do they Have 3 1/2 Stars when I see so many 1 star. And you should make it where we can put no Stars. Cause that is what they are worth. I won't do business with anyone that does BUSINESS with them.

I came to Vacation Club (Comenity Capital Bank) from Wyndham Resort Purchase. The pitch was 6 months interest free if paid by 2 April 2021. On 12 March I obtained an official check from my credit union for the $6514 charge and put it in the mail. I waited a week and started follow up calls and nothing was found. On 29 March my Credit Union called as they had received a letter form Comenity that they couldn't find the account (which was on the check) and so any issue was clarified and sent back to Comenity.

I have several retailer cards through them and I'm getting the feeling that management of different accounts might have something to do with the retail company overseeing their work. I have had no issues with my Ulta card, however, my with Forever 21 card, there is always conveniently "technical issues" when trying to log in every month the day before my due date to pay my balance. I don't set up auto payments because I don't carry a balance. Since I have a newborn, it's difficult to remember to try again later, so then you end up with a late fee. This has happened 3 months in a row since I've been using the card this year....

Like others, I’ve had 3 credit cards with CB over the last 3 years. Paid my bill on time and utilized my cards here and there but never to a point where I just went months not using my cards. It appears this company is only interested in you having their credit cards/promotional plans if they believe they can make money off you through late fees and interest.

I’ve had 3 cards with this bank. They are known to lower your limit if you pay card off in one large lump sum. Not only do they lower your limit, but they closed my account for inactivity!! I have for years bought clothes for birthdays, Christmas and school year, and not once did they close my account due to inactivity when I had a balance, but once I paid off my total, now they want to say they closed my account due to inactivity. Never one late payment, never once went over limit!! I thought it was just a fluke the first time, but here I am 3 cards later, from different retailers, all closed. Mind you, I paid off my cards in February, my cards were used in December, we are now in April... closed. So not only did I have a hit to my credit (which I baby very much) when they lowered my limit, but then a huge hit when they closed. Please. If you care about your credit, this is not the bank for you. They only want you when they can collect interest and late fees from you.

So I was shopping in what use to be one of my favorite stores in the mall NY$Co. I was asked if I wanted to apply for a store credit card and if approve I can get an additional percentage off my purchases. I was approved for a credit line of $500. Wow! This is great. A few weeks later I made a few other purchases nothing large so my total is about $200 all together (including first purchases). I receive the first bill and made payment. Second bill and made payment on time. About a month later after making payment I went shopping and now my bill is close to $300 and now we run into problems. I was late making the fifth month payment and I am alright with that and I eat the astronomical late fee penalty.

I have an 18 month loan - I have made electronic payments on the 6th of every month - my payment due date is the 10th - was going fine - now, I have 3 payments remaining and will be paid in full 4 months early. Suddenly, they held my payment and didn't process it for 3 days - past the due date, so late fee attached - again, the next month I moved the payment to the 5th of the month - again, this time held for processing for 8 days so again, a late fee. They say their policy indicates their processing is not specified so don't count on the payment being done in time.

I have had several promotional plans with them. My 21 year old son died and I missed paying a furniture company promotional plan off by 5 days. I asked them a consideration due to the circumstances and they told me, "NO it's a valid charge" and "Too bad". Also, the furniture was back ordered for 6 months and I was charged before I received the merchandise. I called the furniture store and they said I needed to call Comenity. When I called them they said that's how it worked sorry. So I made payments for 6 months on a product that I didn't have and wasn't even sure if I was ever going to receive. Then I'm grieving the loss of my son and they charge me a huge finance charge for 18 months of the original balance. Way to stick it to you when you're down. Horrible company.

I have never been a fan of Comenity Bank. They are not a good lender and they are predators. I had a store card for many years with Comenity. Always paid on time, not one late payment. In August 2020 I paid off the $1800 balance and had a $0 balance. The store charged $19 to my credit card without me knowing – for some sort of “club” in November 2020. I did not receive an email from Comenity that my statement was ready (which I have in the past when it had a balance) and had no reason to even look at that card since I literally just paid it in full. In March 2021 I get call from an unidentified phone number on my work line (late at night). No message. I google the number to see it is Comenity. I then log into all my store credit card accounts to see why they might be calling me. Well by then they had reported me as 60 days late to all 3 credit bureaus and the $19 charge became $77. I disputed this with them and was ignored.

Disgraceful! These people are the absolute worst for shady incorrect interest charges. They're the worst for CS. I was farmed to this crap bank through both Amazon and Sephora without my knowledge. On both occasions I've noticed inaccurate billing via payment and purchase history. Completely unacceptable business culture. They couldn't care less. They also farmed my account for Mattress Firm which dumped their ** soon after as well as Wayfair. Get a grip and find a reliable reputable bank to farm my business to, but not before I agree, for God's sake, now I'm repulsed by all these businesses' bad decisions. You've been warned!

Horrible customer service, broken promises, deceiving practices. They incorrectly placed a promo balance a year ago during the pandemic, not only they didn't fix the mistake, they refused to allocate payments to try to bring the balance down. I'm loyal to IKEA but will never use COMENITY ever again. Their practices have no consideration for consumer rights, they just want to charge 21.99% on an incorrect sale. Beware!

Although I had accumulated rewards and never missed a payment, my account was cancelled with no advance notice, and no notice at all in fact, because of «inactivity». They notified credit agencies, but not me!! Wow. Worst experience with a credit card company.

I would not recommend opening up a credit card that uses this company. A few months ago, I paid a bill, in full, the day before it was due. I received a confirmation for the payment. 3 months later, I just received another bill with a return payment fee and interest. Apparently my initial payment did not go through because I had entered my debit card number (which I've used before) and not my account number. They said the system no longer accepts that. Why then, was my payment accepted and I received a confirmation email?

I’ve had a Kay Jewelers card for three years with no problems. Once they partnered with Comenity Bank it was downhill from there. I’ve purchased a $800 watch and never missed a payment. Since COVID happened last year I placed my account on automatic payments. Comenity would take your money or cancel your automatic payments then charge you a $40 or sometimes $35 late fee. Since March 2020 they did that and I’m noticing over $200 in late fee charges. I absolutely hate this company. They are making my life stressful and it shouldn’t be. I’ve not passed the $800 (the cost of the watch) with their late fees and interest charges of $14. Not to mention I had a credit limit of $1500, then out of the blue is $631? Nothing makes sense. I just want to close this account 'cause it doesn’t seem worth it.

Very disappointed with their customer service representative. Her name was Tina and she was extremely rude and unhelpful for me. Wasn’t able to provide any information for me when I called to ask basic questions about my Ikea Projekt card. Again she was very rude and unprofessional. Was raising her voice on me as well which is ridiculous. After this experience I’m no longer interested to be a customer with this company anymore. Thanks to Tina!

Was billed before I ever got the card or a bill in the mail. Was charged ~$30 late fee. Took two attempts and two weeks to get someone to actually reverse the charges like they said they would. Did not remove it from the billing cycle so it flagged my account as late the following month. I did not use the card that month so it was a zero balance. They "paused" the card because we were a day late paying zero on our zero balance. That left us at the grocery counter not being able to use our back up card. Their solution was to cut me off on the phone and tell me to be quiet while they read the transcripts of all our correspondence,, and them to smugly ask what the problem was and if I wanted to set up a payment for the following month to unfreeze the card... really???

I should've never accepted this card. When I opened the BJ's Comenity account I had a high credit limit, I've been using it and paying regularly, my credit score is even higher and they sent me a letter saying that they reduced my credit limit to the total amount of what I owed, according to the letter the reason was for bad credit (763), how come none of the other credit cards didn't do the same including another Comenity Credit Card that I owned? I called customer service and they said they can't do anything about that. Now I'm stuck with a useless credit card.

I have made several purchases from Wayfair in the past. I had a credit card open with them and have always paid on time. During the pandemic I lost my job. One of my payments was declined because I was in the process of receiving a new card after my bank noticed suspicious activity on my original bank card. I was charged a fee of $29. After I explained that I was unable to pay that and it was out of my control they said there was nothing they could do. While I was waiting for a response from them I ended up sending my payment later on in the evening on the day the payment was due. I was then charged a $31 late fee because it was paid a few hours late.

My encounter with the Comenity bank confirms other people's posts. I was charged interest because I missed the payment. My January statement has arrived after the due date. After my February statement, which included the missed payment fee and interest. I called the bank and asked to waive the interest as the statement arrived three weeks late. The bank never considered my request. As a result, I paid off the entire balance and closed down my account.

Do NOT sign up for any credit cards that are through Comenity (Victoria's Secret, Kay Jewelers, etc). They will purposely not send statements and then charge you three times what you owe in interest. They are liars, manipulators and cheats. When you have people with perfect credit, who own houses and rental properties who only have an issue with one place (Comenity) you know where the problem lies.

First, let me say, the actual retailer I order my items from is great but the company they use for Opening a credit line (Credit Card), Comenity, I absolutely despise. I opened my account in Dec. I received my Bill Dec. 28, 2020. The due date was 11 Jan. 2021. I mail the full amount to them on Jan 5, 2021. Today (Jan 25, 2025), I received a new statement, stating I owed them $ 32.13 ($ 29.00 late fee and then another $ 3.13 in interest). I immediately called them and they informed me that the check didn't post to my account until the 12th of Jan, and since it was due on the 11th, it was late (they got their money the day they posted it to my account per my bank statements).

I've had a Comenity retail credit card for many years. I've used it and paid it off throughout the years, w/o any issue. In that past 12 months, with the pandemic, I've not had a need to purchase items from the related clothing retail store. I received a message from them stating, if I don't use the card, they're going to close the account. I reached out to ask why they would threaten an account in good standing if they don't purchase something (that at this time is not needed) and their response was, "We haven't closed your account, but if you don't purchase something, we will." Closing people accounts, regardless of use, has an impact on that person's credit score. I want to make sure others are aware of this bank's behavior. I would NOT recommend a card with this bank, unless you're ok with being bullied to purchase unnecessary items.

Complete scam! I just opened this card and they are claiming my first payment was returned by my bank, completely untrue which my bank confirmed! Charged me nearly $200 in fees and reported me to 4 credit bureaus within 8 days of the payment I made without even notifying of this completely untrue problem or trying to resolve it. They have refused to try to resolve the issue. I have now reported them to the 6 agencies that regulate Comenity Capital Bank but in the meantime they have ruined my credit for absolutely no reason, lied to me repeatedly, and still have yet to even mail me a statement or resolve the issue.

Comenity is useless by every imaginable way as a credit card company. I was a Pier One store card user as it was beneficial for the purchases in store. When Pier One closed My store card closed not too much later. I ran across the opportunity to join with Comenity which serviced the Pier One account that was recently closed. My problems started when they put my account on hold for 90 day because I incorrectly left off one digit when entering my checking account to pay my bill. I did catch my own mistake prior to the due date and my payment was made and the account information was now all set for the future. Again, my account was never late.

From the beginning, this bank made it difficult to access my account information. No card was sent home, so registering for online access was a pain. Then they stopped offering the Wayfair card, so the account could no longer be accessed from the wayfair site. Trying to talk to a customer service representative was an exercise in frustration, with huge wait times. Then to top it off, they charged me a late fee for a bill paid ON TIME, but after 6pm on the due date. I've dealt with many credit cards over my lifetime and have never had a bank that cared when it was paid. I emailed them and they said they would not remove the late fee, despite the fact it was paid only 45 minutes after the time it said on the website. Mind you, there were NO mention of times on the bill they sent to my house. I paid off my account and will never again accept a card issued by this shady bank that takes advantage of people.

I have had a Comenity card for years. I used to have a due date of the 3rd of every month but I thought my payment was due on the 5th, which is the same day another card is due. I called them and got the payment rescheduled for the 5th once I figured out what was going on. I have always paid on time and above what the minimum balance is and I've always been able to pay off my balances quickly.

They charge interest from the beginning. No matter the promotion of 10 months without interest. I called and they said it was my fault. Do not apply for this if you don't want to end up paying triple for the items you're buying.

This “bank” should be investigated. Just look at all the bad reviews. They opened a card fraudulently with my information, never checked for employment history or even address history. The cardholder then racked up over $11 K in purchases in my name. That was in 2018. I didn’t find out until late 2020 when I tried to get a legitimate credit card and was denied! Now I cannot get credit and I am the one who must prove that fraud was committed. This has been a nightmare at a time when I really need credit to survive.

I tried for 9 months to straighten out my account. They are horrible! I kept setting up auto pay with someone from Comenity walking me through it twice. They took my off auto pay and started charging me $39 a month late fee and a finance change of $17+ every month! They refused to let me hear the recordings of the previous phone calls which would verify my enrollment. I will NEVER work with Toyota or Comenity again and you should not either!

I used their BJs credit card for quite some time. Recently I got a new card and when I tried to activate it through their automatic phone system, it would not activate as my SSN did not match with its records. At any point in time, I did not request any change in SSN number. When I spoke with the Customer care, the Rep confirmed that my SSN number was different in the record. I asked her how could my SSN number get changed by itself. She said she will try to fix it on the phone but could not override it. She reached out to her superiors and then got back to me and said I need to send documents and photo copies to them through mail to confirm my SSN and identity.

I have a retail card through this company and was notified of an alert via the credit bureaus that my score significantly decreased as a resulted of this company reporting that my credit card usage increased by 97% which only occurred because this company lowered my credit amount significantly without prior notice. I would avoid this company at all costs.