Bread Financial Reviews

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.

Made the mistake of taking a Forever 21 card for the 20% discount. My initial purchase was $90, I have paid that off and since paid $80 in late fees. Not worth the 20% discount. If your payment is missed by one day of the billing cycle they tack on $40 late fee, even if your balance is like $5.

I had a Boot Barn credit card, initially the limit was 2000. I was never late and always paid more than minimum. 1st they dropped my limit to 1500, I had balance of 1700 so I was over limit. Then I paid lump sum dropping my balance to 800. They dropped my limit again. The reason they gave was I had too much balance on my other cards. Because of them my credit scores all dropped.

I applied for this credit card back in April on the Wayfair website. Made payments on time, each month. Then in September they announced that they closed my account, because Wayfair doesn’t work with them anymore. Good for Wayfair! Then in September I had financial difficulties because of this stupid pandemic time, and instead of making payment on 10th and made payment on 15th but I paid off my balance completely, it was $ 0. When they sent me a bill for $33 late fee, I called them. I asked to remove that fee, because I made my previous payments on time, and I paid off my balance. I asked them why you charge fees on the account that currently has 0 and it’s closed??! And I simply wasn’t able to pay it on time I had financial difficulties.

I paid this account off months ago. In the summer they reduced my amount due to my credit even though I always paid on time and paid extra. They did this due to my credit but I had no idea they constantly pull your credit. Now they closed it due to inactivity and lack of real estate on my credit report. This really is none of their business. You don’t need to own a home to maintain a $200 credit card with a clothing store! This will not help you build your credit in any way and the clothes are not worth the money. Get a standard credit card to build credit.

I wish I had never applied for this card. Rude folks, very unkind and I feel like they stole from me. I know that I should have read the fine print, but was offered the card at register to save 15%. Well I've been charged more than that for nothing, so I wouldn't bother with them.

AVOID THIS CREDITOR AT ALL COSTS... It will cost you big in the end! During these unprecedented times (COVID) my husband has been unemployed since March. I have maintained a consistent and on time payment history, zero late payments and always exceeded the minimum amount due. I mistakenly marked the promotional period as expiring on November 22 on my calendar, however, it was October 22, completely my error. I called Comenity to see if I could get a portion of the $1471.89 finance charge waived and I would pay the account in full. I was told, and I quote "your mistake doesn't warrant our loss of fees in which we are entitled to and you agreed to 18 months ago."

I would give a zero rating if it was available, bad customer services, terrible company, my highly recommendation don't open credit card with this company, this worst company that I never see in my whole life. I was hit with the TOTAL interest ($1187.87) for the year. I closed this credit card and will never and ever open again.

I got this card with a promise of savings and points from BJs Club where I shop frequently. I created an account on the website and entered my bank information and account number. I seriously doubt I entered the wrong acct. number because it has to be typed in twice. Typically, I'm able to cut and paste my account number on similar sites, but no, this one required it to be typed. They claimed that the payment transaction did not go through and charged me $29. The payment was not late, it didn't go through, yet it took weeks to reflect that. They also shut down the card.

I was skeptical to use this bank for my purchase, but went ahead with it because of a promise of zero interest for one year. Since on-time payments were required to get the zero interest plan, I paid eight months of payments in the first two months. On the third month a payment was received by Comenity the day after the monthly due date. I wasn't concerned about this fact since I was already nearly a year ahead on payments. Then I find they charged me for a late payment. They charge $39 for a late payment, that's more than the payment itself.

I will NEVER do business with Comenity Bank (Lane Bryant). I had an account with them and the bank (closed it) and I don’t know why up until this day. I started off with $300 and I had a few late payments. I ended up paying it off. I did use it again and at this point, my cc was in great standings. One day I got a statement where it showed my credit limit was changed to $100?? I never received a notice or anything of that sort telling ju me the changes and then shortly after that they closed my account completely. I just want it off my credit history and they will not budge!!! Worst bank ever!

If you are thinking it’s a good idea to buy now and pay later with Wayfair. Don’t do it! This Comenity bank is a major scam artist. They don’t have any way to manage account by scheduling payments. There is no way to pay more than 30 days in advance. They do this on purpose so they will accrue late fees against you. Now they won’t close my account, accept a lesser amount and keep tacking on late fees and racking up my bill. Ludicrous!

Let me start by saying my credit score is around 775. But---despite already giving my SSN in an application for credit and now having a hard inquiry on my credit report---Comenity refuses to complete my application if I do not make a photo copy of my Social Security *card* and mail it to them at a P.O. Box in Ohio. I called Comenity to see if there were any reasonable alternatives to complete my application. They were firm---there are 0 alternatives. So, mail a copy of my Social Security card, or expect to be denied credit, even with a 775 credit score.

I thought I had done my fair share of reading before submitting an application but turns out I did not. This bank is HORRIBLE. I tried to open a HYSA and they scammed me into opening 2 accounts. After realizing what had happened, they told me that I had opened 2 accounts (even though I simply followed the link in the email they sent me) and that my funds could be held by them for up to 10 days. They told me that I would have to wait to close my account and I got different information from the person I spoke to on the phone and the women I was messaging from customer service. An absolute mess and honestly feels like such a scheme.

I have been working hard on my credit for the past 2 years after a bankruptcy due to job loss and serious illness. Recently my score went up significantly. I didn’t know when Comenity took over Wayfair they would close the Wayfair card without giving me opportunity to pay in full. They just transferred my balance to their MasterCard. I’m still waiting on a large refund to show up from over a month ago also. So now my credit score has dropped 18 pts, they have my balance $75 higher than it should be, and I have a card I don’t want. It is my understanding that closing it will hurt my score, yet if I don’t use it and they close it that will hurt my score also. Where can I report them for not allowing me the opportunity to pay off my Wayfair balance and close that account myself? Thank you.

If there was a way to give them less than stars I would. I called and I made the payment on the phone. I asked for the total balance on the account. I paid the total balance. I was a day late and paying it so at the end of the billing cycle they added a late fee. Why when I called and asked for my total balance did they not add that late fee and and tell me or just add the late fee in? Why do they bill out for a separate late fee after I paid off my balance? I asked for my total balance to bring my account to $0. So they ended up charging me a late fee then finance charge for the late fee and then another late fee. Of course I wasn't looking at my mail. I'm working all the time and in my head I called and I paid off my account in total so why would I think that I owe this company any money.

Comenity Bank has been harassing me with phone calls and emails about a balance on my already closed Wayfair Card account. Wayfair Store more than a month ago refunded me the amount of an order that was never delivered. They did that promptly. HOWEVER, Comenity Bank refuses to reflect that refund in the credit card issued by them. I have provided 2 documents proving that I don't owe that money and that on the contrary, Comenity Bank owes ME a refund. I do not owe any late fees already. There has to be some intentional practice to just simply pick up the phone and connect with Wayfair to clarify the issue, the very same way they charge you without delay, they should refund you as soon as the Store or business involved issues the credit or refund. I do not recommend any credit issued by Comenity Bank. I have others and I can wait to pay them off to close them.

Comenity has an easy to navigate website. Their multiple ways to make payment via phone or website allows for ease of payments. Comenity's high interest rate inspires for quick payoff of any remaining balances.

I had the misfortune of having my credit card account acquired by Comenity. Certainly, nobody in their right mind should never voluntarily open an account with them. Problems with them range from the irritating to what I would consider fraudulent business practices on their part. One only need look at other reviews to see the host of complaints. On the irritating side, they don't even have an app, so you have to log on to a webpage every time you want to do anything. What a waste of time and inconvenience!

I do not recommend credit cards with Comenity bank. If you have too many inquires on your credit report they closed your accounts. Even if you don’t owe a penny they closed your accounts with no further notice.

The worst credit card And customer service I have ever experienced. Don’t purchase your diamond thru this credit card. You will end up paying double! Customer service will not help you either with something you aren’t told when you sign up to this credit card that the interest accumulate if you don’t pay the whole balance by due date.

This is one of THE worst banks you could ever deal with. They are underhanded and unprofessional. My card was issued with a modest limit. In the first month, I paid SIX payments before the FIRST payment was ever done. You would think they would reward you, instead, they pulled my card and canceled it. You'd be much better applying for a Capital One card. They obviously know the worth of a valued cardholder. Comenity has no clue!! STAY AWAY!!

I will keep this in perspective. While you’re rebuilding credit, it’s a wonderful thing to get approved for these cards, however, you need diversity because the moment you stop using these cards and being enslaved to debt, they will close your accounts without notice. Your credit score can tank, if you’re not watching your utilization and what you have strived to rebuild will now be a setback. They closed 5 accounts on me and stated it was for lack of activity. Thankfully my utilization was below 10% so when they closed the accounts, my utilization jumped to 16% which was still good, but it wasn’t what I was striving for. Their response to all of it was basically ‘you can reapply’. If I could give them zero stars, I would!

Comenity made an error when coding one of my payments which resulted in it looking like a missed payment, which was then quickly sent to collections that then dropped my credit score 70 points.... Now I have to figure out how to navigate getting this off my credit score, even though they updated it on their end.... Super unhelpful! Their new freaking error and they won’t even help resolve. Don’t bank with them.... If you need to buy something, try Affirm.... Way better, way less risk in comparison to this greedy, idiotic bank.

I have two credit cards that use Comenity processing services. With both cards, I have received late payment fee notices for payments that have been mailed 10-15 days in advance of the due dates. Other payments mailed at the same time in the same mailbox have been received and posted by those companies in plenty of time. Either Comenity has a very slow payment processing system or they are deliberately delaying posting payments to earn fees. They are doing a disservice to the client retailers (Cabela's and Talbot's in my case).

Comenity bank is the worst credit grantor in America!!!! I had a GRANDIN ROAD Comenity Bank card ON which I NEVER HAD A LATE PAYMENT... EVER!!! They canceled my card. I never had a late payment ON ANY CARD, EVER!!!! They unfairly canceled my card and lowered my FICO Score too by lowering my available credit by $4000. I have decided to cancel all Comenity Cards and will not be shopping at any retailers that feature Comenity including WAYFAIR, SEPHORA, BALLARDS AND FRONTGATE.

I Called to pay from my bank debit card and the customer service guy stole $25.00 from my card to pay his Skype bill. My bank repaid me back and they are investigating the matter. Bunch of thieves at Comenity bank.

I have actively used one of their retailer rewards credit cards for over a year. I've never been late on a payment. I have a very good credit rating and low revolving debt ratio. Due to the fact I applied for credit on another one of Comenity's retail cards, they ran new credit check on me. Since I have 2 or more credit checks in the past year, they AUTOMATICALLY closed my existing account that is in good standing, with no consideration of my account history. When I called and spoke to someone, I was told something to the effect 'these are the rules...we encourage you to reapply'. Now, I have "Issuer Closed..." on my credit history and my debt ratio will bring my credit score down. As a result, this retailer (my favorite retailer) is losing my business and my credit repair efforts using this account are no longer to my advantage.

In March I purchased item from Pier 1. Was going to return item but covid happened, so keeping it.. Attempted to pay online, but had so many issues that I called payment in. I was charged $45 late fee by this time. I freaked because I have excellent credit score. They did dropped $15. Gave me an estimate of total and I paid it all but $15 and some change. I called in payment next month and paid card off.

Terrible company when come to customer relationship and customer services. I made a purchase through Wayfair using their credit card which was powered by Comenity Bank. I had a promotion rate for a year from Wayfair and Comenity Bank stated it was 6 months. I called several times to have the 6 months changed to 1 year. They refused even after filing a complaint with BBB. I was still charged over $100 for $724. They ever used them. They are terrible, unreasonable and inconsiderate.

This company and its affiliates are nothing short of disgusting, if ever there was a company that should be investigated for blatantly taking advantage of the vulnerable, this is it! I paid my account on time every time and because the due date and "promotional date' were different (no doubt by design) I was hit with the total interest ($749) for the year. They also do not let you schedule more than one payment at a time, literally every tier of their system is set up to make the consumer fail, as soon as that happens they destroy your credit and happily put you further & further into debt. Not once did they call, msg or email to say my promo date was expiring, yet as soon as I didn't pay the silly $15 minimum balance they have inundated me with up to 27 calls a day!

I found my experience with Comenity Trek Credit Card to be pretty bad. I am currently trying to dispute a finance charge from a promotional deal that expired but it was not clear to me at all. Trying to get on the phone with someone is a hassle. At one point they did not return my message in over 10 days. They have mastered the art internally of avoiding people in hopes that you do not call back by making you start from scratch with automation each time you want to call. I will never use this card again.

Considering of purchasing an Ulta Comenity Bank Mastercard – Please read the following and all the other reviews rating them 1 out of 5. 5 being the best rating. I obtained an ULTA Mastercard because I received a one-time discount on my purchase at Ulta Cosmetics. Every month E-mails from Comenity Bank Mastercard kept pushing me to "go paperless." I did not want to give them the tracking # on my checking account, so sent in a check for a the total of that month's charges (a very small amount) as soon as I received the statement in the mail. They charged a late fee because they did not get my check by the "due date." However, the statement from them was late getting to me. I sensed this company was not "legitimate," by my observation.

I woke up to my account being closed and no one informing me the reason why. I called and the rep said, "WE CAN CLOSE FOR ANY REASON LIKE YOU CAN." I said okay was there something I could have done? Is this some kind of assessment? The rep said Yes Comenity does risk assessments on accounts and if they dont like something on your credit report or if something was just added to your credit report they can cancel you at any time. I informed her why would they care what’s on my credit report AFTER they approved me? She says company policy. My score dropped 30 pts. I even had insurance on my card so when I couldn’t pay due to COVID 19 I was covered for 6 months. I was making small payments when I didn’t have to because insurance covered me for 6 months and they cancelled me while being insured with their CC!!!! WTH!!! Why offer pandemic assistance then cancel someone’s account which is covered by the Assurant insurance.

Been trying to resolve a charge on cc for over 5 months ... Over 20 hours on phone and over 20 communications secure email, email, phone calls, and actual letter providing all information. They are now trying to add interest and have posted a negative credit report... I need to get a lawyer involved to deal with all this heartache... Do not do business with this bank. They are horrid at customer relations .... Over and over I need to repeat what is going on. Over and over they say they will fix it then nothing... Be aware I would give a zero rating if it was available.

Mariah, a supervisor, was condescending and unwilling to help with a late fee that was assessed because it was processed after 6pm. We will never shop at Kay again because of the level of terrible customer service. I tried 3 other individuals who were just as unhelpful.

I'm am not going to go into why this company has been so bad, as I have wasted enough time dealing with them and still have to call again but needless to say, unless you want a lot of trouble and headaches you want to avoid them at all costs! Academy Sports is where I got the wonderful opportunity to deal with this ridiculous company!

I recent received in the mail a letter saying my request for information on my account was granted. With the letter came all my statements for the last year (I did not request this information). I later got notified by various credit monitoring sites that my account was closed. After several attempts at contact I finally got someone on the phone. They told me my credit score was the reason for closing my account. Granted I just finished fighting breast cancer over the past year so my credit wasn’t stellar but my account was in good standing. Just paid off the balance in May and my limit was $800. Come to find out after the fact that NY&C is closing all of their brick and mortar stores. This is infuriating that they are trying to put the blame on me and my credit score when my other Comenity account with Victoria’s Secret is still open. I even used it the same day I called to be sure. They claimed they sent me a letter stating why it was closed which I still haven’t received (I did move recently so it could have gotten lost).

I paid my entire balance by the statement cut off and they still charged me $2.20, hoping that I would think the account was paid in full and thinking I would miss the payment and they now charge $45.00 late fee on their accounts. I purchased my wedding rings at ZALES and Comedy (misspelled on purpose) Bank kept reducing my credit limit from $1200 to $150. They got me a few times by changing the due date then telling me I was the one to change it. That's how they make their money. Blindsiding customers. I wrote their board of directors to no avail.

I just received an email from a credit monitoring company that my account for NY & Company was closed. I called Comenity and was told that because I hadn't used my card they closed it for inactivity. My payments were made on time always and my account in good standing and yet they felt the need to close it and not give me any prior notice that they were going to do it. I am seriously considering canceling any account I have with them because of this. Bad, bad practice on their part.

I home shopping, so I monitor my credit closely. Much to my dismay, I received an alert my Wayfair account has been closed. It had 0 balance/always good. It has now negatively impacted my credit. Never again with that company. Disappointed, they lost a good customer and I will not recommend them.

I have 4 Comenity credit cards. Talbots, Ann Taylor, Ulta and Victoria's Secret. For 4 years. PERFECT payment history. In the last few months I paid down chunks of debt on all 4 to raise my credit score. They LOWERED my credit limit on all 4 accounts by $500 EACH, thereby RAISING my debt to available credit and TRASHED my credit score. They CLAIM my credit score fell in June. It did NOT. It has done nothing but go up. I checked with Equifax which is who they use. I mailed in PROOF that their claims are false and got an auto letter back telling me to call customer service, who did nothing but give me the runaround and tell me NOTHING. I will NEVER charge another DIME on their cards. LIARS.

Paid Comenity/AnnTaylor Mastercard bill by check for the amount of $52.77 and they took $5277.00 out of my checking account, I was notified by my bank that they had covered the check but now my account is overdrawn and the bank charges a $35 fee and an additional $5 for everyday that your overdrawn, I explained to my bank that the amount they took was wrong and it should have been fifty two dollars not five thousand two hundred and they told me I had to contact Comenity Bank, I called went through the automated system to find out that I have a $5224 credit on my card, then I speak with a customer service representative which in fact tells me that they had made a huge mistake and it was caught and they had credited my charge card, I explained to them I didn't need a credit.

I have an account that I've been unable to make payments on the last two months because my husband has been out of work due to Covid since March. I spent HOURS on the phone..waiting, being transferred repeatedly, disconnected, hung up on and having to state my situation over and over again countless times during a call lasting hours. I had a payment that was not authorized, taken from my $1 balance bank account after being told the payment would not be taken. I called to find out why and how they could do this to people right now and was informed there was no record of my several recorded calls. There must be federal guidelines to make this type of action illegal during this unprecedented period of difficulty for consumers. Taking money that was not authorized from an account with no balance. They shouldn't be able to sleep at night taking food off the table of so many struggling right now. Sad and inhumane treatment from this bank.

I refuse to finance anything with a business that uses Comenity in the future. I have closed my Williams Sonoma, Victoria Secret, Pier One and JC Penney accounts and paid them in full. The latest is Pier One -- I missed their 8 p.m EST deadline by 5 minutes. They refuse to waive the finance or late charge as I did not have an "open account." The customer service representative -- after you had to go through a litany of options -- kept repeating her "script."

In closing accounts for a family member, I had the displeasure of working with Comenity Capital Bank. I followed all of the proper protocols to close accounts immediately upon receiving death certificates, etc. Upon closing the Comenity account following their exact procedure, I received a letter addressed to the decedent at my home address (which I had put on file with them- showing that they had made the changes and had the death of this person on file and had even gone so far to put my address in place) that there had been fraud on the account and that if as the decedent didn't contact Comenity within 30 days, the account would be closed. Hmmm.... I called the number stated on the letter, and no one could look up the account.

I opened this credit account to purchase a new bicycle during Covid-19. I was approved for 6000$ credit limit, paid more than the minimum, had the card for not even 2 months, and today I get a letter saying they are closing my account because of credit inquiries on my credit file? Why do you care what is going on with my credit file or my inquiries AFTER you opened my account??? How can you just close someone's account like this with no explanation, when the account is in good standing and being paid on time??? Shame on you for doing this during COVID, cancelling people's accounts like that. If you are thinking of getting this card, think again, not worth the trouble.

I called Comenity Bank customer service regarding my Zales account. I ordered a customized Air Force ring for my retired husband last year for his birthday. In October my husband passed away. I continued to pay on the account and had a balance of $46.91 that I was going to pay off and close the account July 15th, not knowing that I had to pay it off on July 9th to avoid the 12 months accrued interest rate of $235.00. I noticed this today July 13,2020. When called a spoke to the account supervisor Ryan I did not receive any sympathy, I was told he would not waive this additional fee. My son stepped in and paid this ridiculous interest fee but I just have let everyone know how cruel and heartless they treat a veteran's widow.

I started this savings account and made it a "joint" account with my wife. When I continue to call up they won't talk to me and say my wife is the only person they will speak to for any changes to the account because she is the "on-line" person. BS. This is a JOINT account savings and each of us should have the ability to do whatever. I WOULDN'T BANK HERE AGAIN IF MY LIFE DEPENDED ON IT.

I am BEYOND frustrated with the customer service of this company. I recently paid over 2000$ to be able to close my account. The day it hit zero, I went online to make sure it was a 0.00$ balance. Called immediately to cancel, spoke to a gentleman and within a few minutes he said my account would be closed. Thought my problem was solved. WRONG. A few days later I get an email saying I have a 10$ balance. HOW? I again immediately call and speak to a woman this time who says it's "interest". Interest on what???? She can't help me close my account until that is paid. Well, I'm not paying that so I ask to speak to a supervisor. She puts me through to said supervisor who sees that I made a 2000$ payment so that I would get to a zero dollar balance.

My experience with Comenity is through an Iddeal Jewelry CC. I was given a balance that met the price of my wedding ring, with 0% int for 3 yrs. One month I scheduled the payment a day after the due date and received a late fee (which they nicely reversed). 2 months later scheduled a payment 9 days in advance to be pulled on the due date. At that same I just decided to cancel the scheduled payment and create an automatic payment, again 9 days in advance. Well the due date came and went, and about a week later I started seeing emails about my missed payment.

I wrote to complain that they charged me a finance charge after I paid in full before the deadline. They wrote to say to call them. You can not get a live person on their phones. I wrote again to say that and then they told me I authorized them to close my account on 6/24 which I did not and they can not do anything about the finance charge. Funny thing is I placed a charge on 6/24 so that would be a lie.

I had an Ulta card for 3 years. Never late ever! Always paid more than minimum. COVID 19 strikes. Suddenly they cut my credit line. That so impacts my credit rating! Then they do it on another card backed by them, Williams Sonoma. Same thing. MY credit score went from 697 to 588. They are awful!!

Absolute horrible customer service. Add non negotiable fees to excellent paying customers with great credit scores. I switched banks after over 25 years. I thought I had updated all my accounts that I have set up to pay balances. Due to the fact that I do not use or carry a balance on my Express charge. I made a minimal charge. I authorized Comenity bank to pay balance. The charge bounced bank due to close account. I contacted them ASAP to give them my new account information. It was a oversight. They would not waive the return fee and added another late fee. They were rude and had absolutely no problems with losing a good customer. They would not negotiate whatsoever. My balance charge balance was paid but I was forced to pay their $64 fees. I closed my account and will Never deal with them again!

A credit card is meant to provide funding for a limited time, but very few people think a the bank will STEAL from them. That's exactly what Comenity has done. The scam works like this: they take your payment check, and cash it, but they don't apply the credit to your balance. Instead, they claim you missed the payment, then they charge you a LATE FEE. When I spoke to customer service, along with a copy of the check they cashed, they told me that I should make another payment so that I do not get another late fee, while they investigate??? OK, so I paid off the total balance. It has been 4 months, and not only have they not investigated anything, they also have not contacted me, and supposedly there is no means of communication with the "department" that "investigates" this kind of thing. Apparently, they are swamped with investigations for stealing customers' money.

I have been using Overstock Credit card for years. Comenity Bank services these credit cards. Their policies are very strict and unlike other popular banks they will make sure they collect the interest on your promotional balance if you missed the payment or made the last payment on a due date after the promotion date. So always make sure you do your due diligence. This Credit card is really like any other but if you do not understand how promotional interest works and credit card 101, then use cash. Here is a tip, if you have a 12 month promotion. Take the balance due and divide it by 11, then let's say you get a number such as 53, round it off to 60. So instead of making the minimum payment which is usually like $35, you will be making $60 payment and getting rid of the promotional balance way before it expires. It's your money, be diligent.

I haven't ever had a single missed or late payment, and Comenity charged me a ridiculous (and sizeable) finance charge on a debt that has already been paid in full. I am definitely canceling my account. I urge you to never bank with them. They are thieves who don't care about the customer at all. I called and explained (patiently) that the reason my final (autodraft) payment occurred after the deadline was due to a glitch based on their own billing cycle. Even though they acknowledged my perfect payment history, Comenity didn't care. They only cared about charging that interest. They clearly just want to squeeze an extra $500 out of me before I close my account (which I assured them I definitely will).

Worst customer service I've ever experienced. Rude and only care about finding ways to slam customers. Have multiple cards thru Zales Bealls Victoria Secret but hopefully those companies switch as I will be canceling all these cards. Please be aware go elsewhere. I am not a non payer they hide fees and late charges on those paid in full to gain interest and hidden late fees. And agents beyond rude avoid at all costs

I continue to experience problems accessing my account with Comenity bank, over a dozen times after trying to use my password, It always come up, wrong password! I have a total of 3 credit cards with comenity, this happens with every card. After several calls to their customer service regarding login issue, the problem has not been resolved. Ugh.

I have had a Christopher & Banks credit card for several years and have always made payments on time, including now. I paid and Comenity Bank received a substantial payment from me as shown on their website. I currently owe what amounts to 1/3 of my credit limit. When I have tried to make a purchase online, it is declined and I am instructed to call them. I do not hear that well on the phone and prefer things in writing.

Cashier at Century 21 push to open a credit card so I can save 10% equal to $10 and when I tried to pay on the phone they charge $9. Also I returned a sweater for $25 and they didn’t discount for my statement and charged me with late payment, interest fees, etc.

Seriously, run away from these people, they take your money without asking, with fees even if you pay in a full. Terrible experience, late fees, interest fees also if you pay in full thousands, as I do and if you called them they would give you a 15 dollars reimbursement for the $30 late fee and $0.16 for the $59 financial fees. Yes 0.16¢ no $16, the problem is when I sign up for my BJ's credit card, the bank was Barclays, and then they change for these thieves.

After keeping my account current, making payments on the balance over the minimum payment, I requested a credit increase. Instead, they decided to lower my limit TWICE over something that was settled over 6 months ago. I called the customer service number provided, only to be told that I needed to dispute the issue with the credit bureau, that they could and would not help me. Unfortunately, the bureau that they claim to report from doesn't even show the account on my report, so I can't even dispute anything. I'll take great measure to make sure I never have another account with them again. They have caused my score to drop twice from these decreases, and it bumped me out of getting the mortgage that I have been working hard to get for the last 5 years. It's sad how they treat the people that make their paycheck.

Nightmare! Scam #1, We received notice our deferred payment loan was due in less than 90 days ONLY after we went online to make a payment, it was actually due in only 10 days! Thank God we paid the monthly payment a week before it was due or we would have been hit with 26.99% interest (surprise!) for 18 months if we had waited until the due date. BEWARE, trick #2, payment does not clear for 72 hours or more.

So, I had an account with them since 2013 that was in really good standing and it was abruptly closed without my knowledge. And when I tried to reopen that account.. apparently I only had 1 week from when it was closed to try and reopen it. Yeah, that would’ve been nice to know cause I literally found out that it was closed from looking on Credit Karma just a couple days after the 1 week period. So, don’t do business with them. Go through a different bank and save yourself the trouble.

Got a MySmileCare account issued by Comenity bank as a promotion for "no interest" financing by my dentist if paid in 12 months. Paid the remaining balance AS LISTED ON THE STATEMENT, but then get get a new bill with additional charges and fees! Statements are designed to be vague so you will miss proper payoff balances! BEWARE - don't fall for this deception. Better to pay with a legitimate credit card, not this fly-by-night two bit bank!!

I received an invoice for over $ 11,000 in charges for a credit card issued by Comenity Bank to someone who obtained my personal info. When I reported the crime to the fraud division of the bank earlier this year, the customer service rep thanked me for notifying them personally of the fraudulent account. Despite this, I have received several more invoices from this bank demanding payment, along with a 'determination' from the bank that they could not verify or confirm the identity theft. I would not recommend anyone do business with this bank, and certainly not with their credit card products.

Per research, Comenity Bank was advertising savings interest rate of 1.6% APR. Transferred $100 to bank effective May 13, 2020 to open account in connection with the maturity of large CD at other bank. Sent a chat message online on 05/12/20 for information on setting up beneficiaries. Received response the same day from Danelle with instructions for download of pdf to add beneficiaries. Sent additional chat messages regarding pdf issues on May 13, 14, 17 and 19 with no response. Each time the chat window opens, three agents are listed that can respond to the Chat. Bank customer care automated phone service would hang up after indicating not able to take calls. Finally spoke with a customer care agent at 833-755-4354 on May 19 at 5:53am and was informed account could be closed after 10 business days. Closed account 05/27/2020. Savings interest rate dropped to 1.45% APR on 05/26/2020.

Exorbitant charges over a period of 10 Months. I have charged a total of $34.31 from Aug, 2020 to now May 2020. I have paid a total of 333.22 in late payment charges, and interest during that time. In March of 2020 I paid what I was told was the balance of 165.69 and I asked to cancel the account. This payment was made on 3/12 for a due date of 3/10. They did not tell me about the $40.00 late fee. So the next month I was charged 40.00 + 3.59 interest. The next month 35.00 + 2.00 was added. This month 40.00 late fee + 2.00 interest. Since I had paid what I thought was the balance (165.69) on 3/12 and had asked at the time to cancel my account, I was unaware that they were still charging late fees thereafter.

Horrible customer service! We received a late fee for a payment that was paid in full one day late in the middle of the global coronavirus pandemic, at a time when many companies were going above and beyond to be flexible with payments. However, we received an email that said "Thank you for your timely payment," which I assumed meant they had the good grace to accept our payment one day late. Instead, they sent ANOTHER late fee the next month, and said we owed $64 in late fees for a statement that was paid in full. I spoke to multiple "customer service" agents and "supervisors," and no one was able to refund the late fee. Even when I said I'd cancel the credit card and never do business with them again, they refused to budge. Absolutely ridiculous.

I have had many credit cards with this bank for many years. I pay online through each store card’s app. In the past year they have lowered and closed most of my accounts as I make payments and they make it extremely hard to make a payment as every time I try to access my account they say my password and user name is wrong. I must have reset each one about 15 times. Now they want me to include my account number which they never give me because I don’t receive a card and it’s not on my paper bill or my credit report. Hence they are wrecking my credit by not letting me make my payments, adding late fees, lowering my credit limits and closing my accounts. Don’t ever use this bank. As soon as I pay the few I have left off I will never apply with them again.

Received a letter dated 5/11/20 that Comenity closed my account. If I have a problem with that here is a number for the credit reporting company. Tried to call Comenity with the number provided and all I got was a pre-recorded message telling me that I can apply again to get another card. I have contacted them thru the website listed on my statement and told the same thing. I didn't use my card in the past month/month and half. I have a 0 balance on my card (paid before the COVID-19 shutdown). Soooo, because we didn't run out of makeup or hair stuff while in isolation and didn't go online to order more stuff they closed my account? I did go online to Ulta looking to order some products but they were out of stock. Yet they have messages on their website that if you are having issues with payment they will help you out. Wow, just wow.

After a year of on time and advanced payments I was hit with over $900 of added interest charges. Even after I paid that off fully they added another $38. Glad to get RID of them. I would avoid doing any business with them.

I was approved for the ideal image promotional credit card. 0% interest if paid in full before the promotion ended. I made my last payment and the payment due date fell on the weekend. Because the payment was released on the weekday from my bank I was charged all the interest on my original purchase. They refused to do anything about it even though it was not in my control. I decided to pay it off in 4 separate payments (1 payment every week). I got a bill from them stating I owed them $16.12 in interest charges because the last payment was made after the due date. My payments were not late and I paid more than the minimum payment. I paid the $16.12, but requested my account be closed. I have 3 different credit cards that use Comenity. I am closing those 3 cards as well. I will stick with my Discover card, that gives me money back and doesn't charge interest on interest charges.

You guys need to have a negative star rating option, because they don't deserve 1 star. Paid off my account IN FULL in February 2020. May 2020 I get a statement in the mail that I have been charged late fees for two months. I did not receive any statements in the mail after February. Even after I called customer service, told them I had the bank records and online payment snapshot of the account being paid IN FULL in February, they refused to reverse the charges. Rude and condescending. I paid the lousy $27.48 they said I owed and closed the account pronto, and requested an account closed letter, $0 balance letter and confirmation that the account was closed at my request. Last penny they will ever get from me.

We paid off card balance in June 2019 and closed the account. 5 months later I received notice they had reported us to the credit bureau for later payments. The bank stated we owed "trailing" fees. I paid the fees of $90.76 and was told there would be no further charges and the account remains closed. Note I never received any addl bills in between. Today we receive a call from Comenity stating we owe $70.36. Again for "trailing" fees which started at $2.00 and continuing with late fees for non payment. I then spoke directly to the bank and they refuse to remove these charges. Why are we charged $2.00 fee on a closed account. They said there is nothing they can do. We again need to pay $70.36 and $2.00 fee on July 2 which they say will close the account. What? Again this is a closed account. How do you fight banks like this.

I had an existing balance on my account with an associated 0% interest. Then I made a purchase on the card. A few days later I credited the account the full purchase amount, and later that month, I made my normal payment to prevent any charges. 2 months later I see that I'd been fined 2 interest fees. After being on the phone for 45 mins. They tell me that it's all "correct" and I should have waited to pay off the purchase amount. They were not interested in trying to correct the error, and only refunded me 1 of the interest payments. Very disappointing, when it is absolutely clear what the intention was.

I have had an active account with Comenity for years. For the last year and a half, I have had a $0 balance. Last week, I received notification from my credit monitoring service that this account just closed. Why? I checked my email inbox, I even logged into my account. No information on why the account was closed. Technically the account isn't 'closed' it just has a $0 available credit. Thank you for your superior service (sarcasm) and goodbye.

Had a $92 balance on my card that I paid via my bank in June 2019. The payment was never applied, so I called in July 2019 and the representative said he sees the payment was not posted and that he would take care of it. In August I get another bill with interest and late fees. I called Comenity again, says the original payment was never posted, but I could pay over the phone and he would remove the late fees and interest charges. Comenity reported to the credit bureaus and my credit went from #856 to #760. Called today and they have no record of my phone calls. So lesson learned, NEVER get a credit card from a store ever again!! Sticking to my Discover card for all purchases.

Like so many others here in the past weeks, Comenity closed several accounts with no warning. Fully paid just not being used. Hit my credit rating. Problems are at their end not mine. Totally unprofessional.

LOSS LEADER savings interest rates. SUCKER is what they've made me feel like twice. This time they lowered the savings interest rate from 1.70% to 1.55% less than 5 days after I opened an account! In addition, it's hard to get anyone on the phone there. I've learned my lesson this time and leaving them ASAP.

13 years good standing, $0 balance. No warning, account closed 5/7... Today is 5/14... Nothing!!! Just walked out of running a code, short staffed, performing 2 jobs since I have 2 licenses, to an alert from Credit Karma... Comenity Bank closed my account and dropped my credit score. That good ole proverbial pat on the back. Daily battling fears and depressive situations, trying not to break under the stress... This sends you to the corner, on the floor, rocking in silence because you don't have the strength left to be angry or any emotion inside to cry. Thank you to Comenity Bank and your supervisors for informing me you have the power to close my account without reason and economic distress is not considered.

DO NOT GET A COMENITY CREDIT CARD OF ANY KIND!!! I got a David's Bridal card 2 years ago and within weeks of paying my card off they closed my account. I got double hit. One for opening a card and one for the closing my account. I have HAD a Victoria Secrets credit card for the last 4 years. I have never been late and have actually had a $0 balance for the last 2 years. I just got a notification they closed my account without any reason. I have excellent credit and have been in good standing with all of my accounts and now my credit score has gone down 11 points because of them!!! Shame on them!!!

Both my VS and Ann Taylor cards were closed without ANY notification whatsoever within a week of each other. Why? They had $0 balance and I certainly plan to use them again. Why would a bank close these without even a single email notification? Both of these closure negatively impacted my credit score. I am so mad! Even calling their customer service number was no use! They have an automated recording that simply says, "if you are calling because your account was closed, please apply again." ARE YOU KIDDING ME? I will NEVER apply again. This is ridiculous!

During this Covid19 crisis. They are closing accounts with perfect standing just due to zero balance. They closed both my wife and my accounts with no notice. So this affects our credit score. Then the contact number basically says the account is closed. Feel free to apply again. This would affect our credit score again. Terrible at any time, but now in particular due to this financial crisis.

Don't apply for any cards affiliated with Comenity Bank. I've been with them for months and paid off my accounts with good standing. Then I get an email that they closed my Sephora account for no activity use. Well if I don't need it, because I've had money to purchase cash don't mean they should close account for no use. That affects people credits. Well I called today and cancelled my credit cards with them effective today. It will probably affect my credit a little, but I know it'll be fixed again in 6 months. So I'm not worried about it and plus I'm glad I don't need those store credit cards anymore and don't ever need them again.

I just realized I was charged again for late fees in my account where in fact I already paid in full last March 2020. Today, I received a text from them, "we keep missing you, call Comenity Capital Bank RE: C21 Status Credit Card ..." I did not even receive any notification not even an e-mail that I was being charged again! This is horrendous! The last same text I received from them was March 29, 2020. What is the month now? It's already May 10th! When I called today, the agent I spoke with is not even a great help! I complained about not receiving a notification and he said it must have gone to your SPAM! WOW FOR REAL! SPAM! Who checks their spam? We are talking about money here. This is their way of stealing your money!

I have fallen under hard time with hours being cut during COVID-19 and made my monthly payment 6 days late, not even 10 days which is grace period. Comenity charged me $29.00 late fee. Comenity advertises when you sign onto your online account "If you need assistance during these turbulent time to contact us and we will help you."

I have had a Hot Topic store card issued by Comenity Bank for several years. No late fees ever, haven't had a balance in over a year. Received a notification from my credit monitoring service that this account was closed by Comenity. I immediately called them and was told it was closed due to inactivity. I asked if it could be reopened. I was told no because it had been over 15 days and they can only reopen accounts within this time period. I asked when it was closed because I didn't know until this morning. She stated April 24. Today is May 8. I said, "Ma'am that's 14 days". She said, "Sorry it's over 15 days". WHAT? I asked for a supervisor. Once connected she tells me that I would have had to have made a purchase by April 22, THEN called Comenity by the 24th of April to request the account stay open for the account to remain open. WHAT?

I got this card in December 2019. Made about 3-4 purchases since then. Never received the physical card, which was weird but Ulta said I just have to call and ask for it. Then I get noticed my card was canceled. Why?? I never missed a payment...never was late. Why cancel my card? I have great credit so not sure what happened. Seems like they are doing something to everyone during this pandemic. Now I’m pissed cause it dinged my credit for an account closing!!!

Worst bank ever!!! Stay away from these credit cards given out by small businesses. This bank hides stuff in small print and will not work with you at all. I will never buy from Jared Galleria of Jewelry as long as they are using Comenity Bank. The bank divides your payment and tricks you with small print when the payoff is due. Read your statements carefully because this bank will not work with you at all. Even during a Pandemic and I'm not working!!! 2,549 complaints with the Better Business Bureau can't be wrong.

I had a Sephora Card through Comenity. Like many others they closes my account after raising my credit limit and perfect payment history of paying my balance in full every month. They already have a low rating because this is happening to everyone. However, since so many stores use them, I contacted Sephora and let them know that while I love their store, I will no longer be shopping there. If they change who they partner with, I would happily come back. Until companies stop using them, Comenity will continue to screw over the unsuspecting customer. I hate them. I will never get another card with them again.

Steer clear of this bank and their store-branded credit cards. I had a very high limit on one card I had with them. Without notice or warning, the card account was closed. I was not even notified by Comenity. It was Credit Karma who notified me of the closure. When I contacted them, they claimed that since I had only made a single purchase within the past 60 days and no purchases for about a year prior to that (I don't like carrying a balance if I don't have to), they closed my account. I have a perfect payment history and absolutely no blemishes on my credit. I would think that I would be the kind of customer they want to keep. I was told that if I still want an account I can apply for another one and, if approved, get a shiny new card and all the wonderful benefits. I think not. Never again Comenity. Thanks for the ding on my perfect credit report that now shows a single account "closed by the credit grantor". Again, this is not a bank you should be doing business with.

I was shopping Overstock and had added things to my cart to order later. As I was closing out of the online window, a message popped up saying I was pre-approved for an Overstock credit card and to click through to provide quick, basic info to charge my (small) items on their card. I did so and 60 seconds later received a decline message. When I called the company to complain, they said their system is not functioning correctly. Well ok, I just wasted a credit pull and score drop for nothing and no one can tell me why I was approved and then immediately declined. Needless to say, I cleared my cart and ordered elsewhere.

I made 2 purchases on 3/2019 and 10/2019 under a Promotional Rate of 0% interest if paid in full by specific dates. I paid BOTH bills monthly, on-time, with an "Immaculate payment history" per the Supervisor at Comenity Bank/Wayfair. I paid BOTH purchases off BEFORE the the expiration date of the Promotional Rates to avoid interest fees. Yet I received a new statement that I owe for the interest fees because I did not call Comenity bank/wayfair to specifically tell them how to allocate the funds paid. I have filed a complaint with the Attorney General's office as well. This is criminal!

3 weeks ago I received a letter from Comenity Bank asking me to send a copy of my ss#, passport, driver's license, birth certificate .... because of possible fraud on my account. (On March of 2019, thanks to my federal job and our lawyer I received a new ss# because it was used by another person for 20 years so you can understand why I can't trust a letter.) I guess Comenity Bank is handling "big lots" store credit which I opened to build my new identity last year. I paid everything on time, did everything right. When I called and asked about the fraud which obviously scared me, the man spoke to me down like I did something wrong.

Comenity Bank does Williams-Sonoma credit cards and even if you have an account in good standing and never late - IF they decide you aren't using it frequently enough they will close your account without even warning you or telling you or asking you to use it - etc - they will just close - DIDN'T even tell me they closed it - I found out through Credit Karma informing me and had to write them...it dinged my very good credit b/c I didn't spend enough on their over priced crap....

Today I was notified that my Victoria Secret Credit Card was closed. I have been in good standing with my credit card so there is no reason why my account should be closed. I will be seeking further action regarding this and spreading the word to others not to apply for any credit under Comenity Bank...when you screw your customers you forget that we hold the power to stop business from coming your way...please duly note that...

Was never late in payments ever! They just decided to close my account for no reason! The worst of the worst banks my eyes has ever seen! They said they can't reopen the account but I was welcome to reapply! Crooks and when you apply that is another inquiry to go to your credit just because they decided to close your account with zero balance on it! Stay away from this bank, horrible all around!

Have a credit card with $1500 credit, I have a balance of $170 leaving a lot of credit sitting there. Tried to use the card and it was declined. Called customer service and was told my purchase I made blocked my card. I asked why that happened and was told they don't know. Got nowhere and I asked if it's going to happen. Again was told, "I don't know". Asked if they are going to compensate me. Was told no.

Per telcon 4/28/20 After several calls to Comenity bank they continue to insist they can’t issue refund check even though recent statement show credit owed. They said that online order was placed in April when I told them that I didn’t place order and they recently sent a new card. I said that it was impossible since I live along and the card is secured and never used. I want to end all business with this bank. I have paid off other accounts that comenity is affiliated with. My advice is that the employees at the brand Woman Within and comenity bank need to know how to process payments. I’m told that the fraud dept at woman within will close the account and reconcile this account to finally paid in full!! Thank god!!!! dept at

I had a credit card with them for about a year. Made a fair amount of purchases. Paid them all off. Most of them I paid off within a month but a couple I paid off after a couple months. Never missed a payment. Never late. Always more than the minimum. I have a zero balance for almost two months. I attempted to make a purchase and found my card with 600 limit rejected. I called them and after a few more phone calls I found out they cancelled my card. They stated due to something on my credit report that told them I was a risk. They stated they mailed me a letter to notify me. I still have not received it. I find this to be absolutely ridiculous. To show me their appreciation for being such a loyal customer they cancel my card? Then the woman asked me if I'd like to put my merchandise on a different card. Absolutely not. And I definitely would not recommend this company to anyone I know to purchase anything either.

On a $224 balance the bank charged $154 in interest in just 10 days. Whoever is doing the math for this company is a pathetic Genius and whoever approves such practices falls in the same Pathetic bucket. Shame on you and your practices. I will avoid this Bank like the Plague and all the stores that do business with you. Wishing you to get rich on my $154. Buy yourself something nice!

Comenity bank practices are not good business. They closed all of my good standing accounts with no late payments always making payments above the minimum. They claim to have a concern of fraud in which they never contact me about. They send a letter for me to provide my credentials and I complied. They closed the account permanently due to " security concern". They are unprofessional and very irresponsible in my opinion.

In just two days, my balance went from $1075 up to $1575. No explanation. Why? I called. After 18 months, their "promotional offer" expires. So if I don't pay the full balance off In 18 months, it's an additional $500. From the start, I smelled a rat. While sitting in the dentist seat, I'm getting pressured into these outrageous price options, so that I can get a tooth pulled.

I’ve had Victoria Secret since 2013. Never late, no return payments and never over my limit. I had a $500 limit in 2013 and it got raised to 3850. April 1 they lowered it to 510 without no notice. I didn’t know that until I tried to make a big order to cheer up family members doing quarantine and was told it was declined, called and I was told it’s over my limit. I said, "Well no my order wasn’t $3850, it was $519.89." Customer service had me contact Comenity Bank.

I received a "privacy update notice" from this bank, about an account of mine they acquired. The account was paid off and closed through the original bank, so I should not HAVE an account with Comenity to begin with, but the paperwork included seems to say otherwise. While trying to confirm my account is closed, I was on hold for 61 minutes & change, before finally caving and hanging up the phone. I've reached out by email, I anticipate the typical "we need you to call in for that" response that comes when you're looking for information such as this.

Recently, I received a letter from Comenity Bank stating effective May 30 my interest rate was going up by 9%. Why? No idea. My account was sold to them by Capital One for some reason. With either bank, I never went over the limit and always paid on time. Right now, my card is almost paid off, having a very small balance. I called them and spoke to their customer service department, asking why the increase. Their agent didn't know why and I asked who I could speak with that would know. He put me on hold and went to speak with his supervisor.

I like many others have gone through a financial crisis, but always kept this account paid. On March 18th I paid the balance of $300 off and went to check the balance only to find out that the account was closed without notifying me!! This bank must be owned by a group of dictators who should consider selling all of their bank cards to Capital One, because they are constantly reducing your credit available on cards that they own, closing accounts without notification to the customer!! Stay far away from ANY card that they own, as they operate like a company under communism... Please consider selling all of your line of bank cards because you are the worst bank ever.

Dealing with Comenity bank is not worth the hassle. I had an Overstock Card, and a Victoria's Secret Card. I lost my job, and was in the process of getting a divorce at the same time. Needless to say, I missed some payments. I did manage to completely pay off both cards to keep my accounts open. I also was in communication with Comenity while I was experiencing these issues. They might tell you they will work with you, but no one offered. I used them and made timely payments to improve my credit. This is since March of 2019.

This bank is a fraud.... I have Wayfair credit card through this ** bank, Comenity. They promised promotional zero interest for 12 months but started billing interest on my account right from month 1... When asked the customer is like we are not responsible for it and were absolutely USELESS!... Supervisor of customer care team SHERRY ** promised to find with their superiors on my issue and call me back with resolution but I NEVER received that call back.... WORST BANK I’ve ever worked with, in my life!.. Stay back from these losers!!!

Had the credit card for years through Capital One, which I guess sold it to Comenity Bank. Have made no late payments since Comenity took over the account. Had to use the card during an emergency and card declined. Checked the account records, $1,800 available out of a $2,000 credit line but $0 available for use. Was going to call today to see what happened however I received a revised terms letter in the mail notifying that they'd be changing the interest rate of the card from the current 13.9% which I've had for the life of the account all the way up to 21.49%.

Run from any business using Comenity for their Credit Cards. They send out a statement with the amount and due date. You schedule your payment. A "reminder" of your payment is sent -but they CHANGE THE AMOUNT because you purchased items after the last statement was sent. Then of course - since you don't change the scheduled amount from the first statement - they penalize you for "not paying the full amount" that was on the 2nd statement. Sick.... sick and wrong.

Purchased a ring through Kay Jewelers, payments were supposed to be $120, YET they increased my interest rate to 27%. They sent my bill to the wrong address so that accumulated late fees and higher interest. Was not happy to pay at all if you seen what was due. Anyways calling customer service was terrible. They played the he said, she said games with Kay Jewelers. So just today I called back, and fortunately and I mean FORTUNATELY I was able to speak to Lynelle. She understood I was livid about what had happened, she offered to enroll me in a program in which they close my account (not like I use them for a credit card anyways) charge me 0% interest, minimum payment of $50 for 60 months. She was helpful through the phone and I honestly cannot thank her enough for saving my sanity over this bill. Lol. But shout out to Lynelle again. Overall, I would never do business again with Kay Jewelers - Comenity again.

They will continue to drain, and finance charges your account without notifying you. They said they've sent me emails to tell me about my charges. I've checked my email and even phone calls every day and have not seen anything regarding late/finance charges. I've made a payment scheduled for that month, and they said since it's new, they put a hundred dollars finance charge on my card. I called them to ask them to take it off since I've already made the payment, and they withdrew my money again a few days later. They will not try to dispute anything against the finance charge, except defer the amount, but I'll continue to get the finance charge for how many days/months my payment is deferred in addition to my remaining balance.