Bread Financial Reviews

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.

I urge anyone reading this to steer clear of any retail establishment that does business with Comenity. They closed my account with absolutely NO logical reason. I have impeccable credit, have had several accounts over the course of 25 years with different stores that work with Comenity and all of a sudden “my account has been closed due to previous negative experience with Comenity or Comenity capital bank”. How does that make any sense. My credit reports show no late payments and no collections.... Like I said.... Impeccable credit. I will never use Comenity bank again. Good riddance.

Comenity Bank, which holds accounts for many stores, is closing accounts for NO reason. I was sent a letter that stated they were closing one of my accounts due to "previous negative experiences with Comenity of Comenity Capital Bank." I have not had anything negative with your bank or any of my cards - always pay my account on time or before, and for more than the minimum due. Like I told the rep I spoke with on the phone - this is ONLY because of the pandemic - they are freaking out and closing accounts on people who don't use them very often. THIS is going to bite you guys in the end. I'll be closing every single one of my accounts...

I put my account information with automatic payment but this bank is been doing charges about late fee, finance charge every month. I'm so upset. I feel ripped off. I'm going to cancel Sephora and Wayfair card. Please think twice before getting any credit card that deals whit Comenity Bank.

This bank is horrible. Mayfair uses them and they try to charge you for everything - they put their communication on the statements but of course if you don't charge anything, you don't look at the statements. You just pay the bill online. THEY are horrible, I got charged 130.00 accrued interest on 64.00 because I did not look at my statements (other credit cards reach out by email). AWFUL AWFUL and terrible to do to people as they suffer from the CORONAVIRUS. AWFUL.

I went to Ulta in Dec 2019 and they asked if I wanted to open a rewards card. I said yes to have as a back up and didn’t know if I would ever really activate it. It’s March 2020 and I still haven’t and don’t plan to. I got a call from them (Comenity Bank) today saying I owed over $100 for that rewards card. One I never even activated or even knew where it was. Apparently the $37 I paid in store on my debit was charged to the rewards card (that was never activated or used) once I was approved for it. And about $100 in fees. No mention of any of this from the sales girl. No details whatsoever. It’s very reassuring to see so many similar reviews and reviews that are so recent/relevant.

I haven't made a charge since Sept 2019. As of this date, the balance still hangs at the credit limit even after I've made all payments. I've been late by mere minutes twice and have never missed a payment. Every time I make a payment they tell me something went wrong. Last time I used the same bank account stored in my account and Comenity gave me a late fee saying the bank couldn't locate the account. The. Same. Account. I. Used. The. Month. Before.

I continuously received calls to my home and cell for people I DO NOT know. For years. I filed a complaint with BBB, they responded they will take me off phone list. Also, They only called once. LIARS! It is too late for me to add to that complaint, so I am doing here. They only give you a couple of days. Their people are rude and don't care that they have the wrong number. The response said they reviewed all calls and don't hear that they were rude. Really? Where are those calls? I will never do business with these people.

I am a senior citizen working from home due to the Corona virus. I received a call from Comenity Bank. They are looking for my sister who had an account with them. My sister does not live with me. She has dementia. I explained this to the woman on the phone. I have gotten these calls before and I was very upset to get the call especially in light of the national crisis. In trying to impress upon the caller I misspoke and said I'd report them to the Governors office The caller laughed at me and implied that I was lying by saying "you're good". I called Comenity to report the caller but was met with the same disrespect. I have also reported this to the BBB. These people are heartless. Does collecting a debt or bothering people make you lose your humanity? No one should deal with this company.

Please think twice before getting any credit card that deals with Comenity Bank. I have a Carter's credit card through them and it has been a hassle. I have excellent payment history with all my credit cards. Mid January we suffered the unexpected loss of my sister-in-law and during the 2 weeks following her death until her memorial service things were completely chaotic. I completely forgot to pay my Carter's bill on Feb 2 with all my other distractions during that time. When I realized what had happened I immediately did an online payment and contacted them explaining my situation.

You've seen the reviews, this is a terrible company. Of course, all credit companies want to make money, because these guys are out for blood. Truly, do not open a credit card with this bank. They will find a way to take money from you.

Please do not use this bank. It’s a horrible bank that only care about ways to steal your hard earned money and they will do literally anything to do it even if I’m sure it’s borderline illegal. My experience was horrible with them. I had paid my credit card completely on August of 2019 and closet my account. I called to make sure they had done exactly that not once or twice but three times and this month they started sending me letters, calling me non stop about me owing them money. They completely ruined my credit score!!!! I called and now the “fixed it” but they are “very sorry” because they know they ruined my credit but there is nothing they can do to help me. DISGUSTING BANK!

This is the worst company I have ever had to deal with. I have 3 credit cards, open for several years with this company. Within a 1 week period, they lowered my credit limit on 1 card by $100 (I have never been late or missed a payment on this card), they closed another account for "inactivity" even though I used the card within the last 3 months, they increased my credit limit to $780 on another card. When I called to speak to customer service to ask why this happened, she could not give me an answer, I then asked her if these actions made sense to her, she said no, but there was nothing she could do.

I made a mistake requesting a bank transfer. I mistakenly made $1,000,000 transfer. I called Comenity Bank the same day I made the mistake and asked them to stop the transfer. Comenity told me they would. 4 days later, my outside bank email me there was a insufficient funds transfer of $1,000,000 on my account and I was charged $25 insufficient funds fee. I called Comenity and asked why didn't they stop the transfer only to be told the bank cannot stop a transfer once it is started. I was mad.

Please sell all of your cards to a reputable bank!!! Second time I have paid off a store card and another card's credit limit has been lowered. Always have paid on time. Never happens with Cap One or Synchrony. Wonder why my credit score is dropping? You keep playing with my accounts!!! Never late. Paid off multiples of cards many times. Last time this happened I paid off Bealls and then they closed it. Now I paid off Children's Place ($150) and my Victoria Secret is lowered by $150?! Really your company won't be happy until all my Comenity cards are gone. I thought CC like making money?

My experience was the same as others but to the least concerns these people are Rip off Artist. 'Cause hard working individuals should not pay for late fees over and over after US postal money orders of payments on the products I ordered and I wrote a small note stating that I want to end the credit card 'cause I paid the full total off of $99.00 but then couple days after the payment I receive in the mail another pink envelope with a higher amount stating they did not receive the pay and another late fee of $39.00 added. Wow .. I was lost for words that even if I was late on one occasion as I was with my Victoria's Secret Card this bank should have a grace period after the due date allowing time for it to get there but instead you get penalized with late fees of $39.00 over and over. They willfully will report you late to the credit agencies. Unfair and inconsiderate.

I only have this credit card because of Ulta. Always pay my bill on day I receive payment or next day. Last month I did not receive bill till 7 days after due date. I called and ask them to look at last few years and they could care less. Man was rude and hateful. Ummm maybe I need to use a different card since they do not care.

I had an 18-month promotion with Wayfair which used Comenity Bank. I paid the promo in full 20 days early. I used their statement guidelines which is in red for promos and paid exactly what they said to pay to avoid interest charges. The next month I got an accrued interest charge of $546.72 on a bill that I owed $41.00 on. If they had applied the money correctly to the oldest promo it would have been paid. Instead they took out the $41.00 I mentioned and applied it toward a new promo that was not up for another year just so they could tag me on a bill that was paid in full.

If I could give this company a negative amount of stars -0, I would. This is the worst company I have ever dealt with. I submitted a payment to them on the 12th of the month. They did not try to process the payment until approximately the 26th of the month and by that time, I thought they had already taken their money and have been paid. By the time I found out that they didn't receive the funds, I was marked late on my credit report and I so I made another payment that they also didn't process in a timely manner and this time my credit report reflected that I was 60 days late ruining my credit report and my credit score. This has happened so many times that I am paying this account off next week and I will NEVER do business with Comenity Bank ever again!!

This bank is a joke! I used this bank for interest free financing for a furniture purchase three months back. Out of the three payments they claim two were late so they assessed late fees. These payments were mailed out twelve days before the due date but they claim they did not receive them until the day after the due date. Liars, plain and simple. I am never late with any payment. It's obvious to me they hold the payments until they are late simply to tack on fees. Well I'm not paying them another dime until they get this straightened out. Scam.

I had a credit card with the Stage stores. I used the card to make a purchase and pay it off trying to build credit. Then I had a work related injury and could not work for a while. I was like 2 - 3 days late of my payment date when I called to ask for help with the late fee and pay off the account. I was told there was NOT anything they could do to help me, so an eighty dollar balance has turned into a $170.00 balance and is still growing because they refuse to help. Even though the Stage statement states, "If you are having financial trouble call 800-992-3803 and they will be happy to help!" They do NOT care. $36.99 late fee is absolutely a huge ripoff and their interest rate is 28.49%. They are in business to ruin people's lives. Even if I get this situation resolved, I will never use Comenity Bank again! They are legal thieves!

I promise The "customer service professionals" are rude and aren't setup to assist you. You can call them and hear three different answers to your questions about your statement, account, or card. They closed my Forever 21 card after I paid it in full. I call and ask why, no has a clear answer. One rep tells me it's permanently closed, another tells me it temporarily closed, and another says keep your payment history up (2 late payments months apart) and another says reapply for the card. Which one is it? Don't fool with the scammers over here. Then on my VS which I rarely use, just a card to build/maintain credit, they close to inactivity (small purchases/pay bill) and because of unknown reason on credit report. Calls credit report company, (Transunion) they have no answer for me either. Save money, hassle, and headache. Get a credit card with Capital One, Discover, Gobank, anywhere but here. All that glitters ain't gold and this ain't it.

Long story short, they charged me for a computer generated error, and refused to refund it, yet only a 25.00 fee, one charged due to a phone processing error. Offered to pay over phone, and Maria part of their mgmt team says they will charge me 9.00 fee to process. I said no thank you, and I will be closing all Comenity credit cards, I will also be reaching out to stores, I hold those cc, and inform them they have lost my business, due to their crooked credit card practices.

The short version, I didn't get a statement or any notification of an amount due and was assessed a $29 late fee plus interest. I called and the late fee was reversed, but they refused to reverse the interest, which would mean I carry a balance and impact my next month's amount due. I worked in the credit card industry for 30 years and know these companies make obscene amounts of money on what should be considered largely illegal practices (certainly unethical). I have a zero tolerance policy for any of their nonsense and always pay the due amount in full. So, for $6.30 of interest, they have lost a customer and they don't care because I don't carry a balance. I have also written a letter to BJ's, informing them to cancel my membership as I will not knowingly do business with associated companies.

Only thing I would caution people to do is to be VERY careful when opening any store credit card that uses Comenity Bank. They are a Fraud with high rates and unfair if not illegal practices. The customer service is unwilling to do anything to help besides saying that they wish they could help.

I always pay my bills on time, however, I accidentally missed a payment by 2 days and was charged a late fee. So I closed my account and paid the late fee. I was charged another late fee and they refused to take it off! Will not ever use or recommend Comenity Bank for anything...They are RIPOFF!

Awful! I applied for an Ulta card and a Sephora card within 2 days of each other. Apparently the cards were intercepted by a thief while in transit because Comenity called to tell me they suspected fraudulent transactions on the cards. I said yes because I have not received either card. Comenity canceled the cards and reissued two replacement cards that day.

They closed my Ulta MasterCard after 2 late payments without even telling me. When I finally got a new job after 7 months and called to try to catch up on payments, the rep was very nice and said she’d waive late fees on that and a couple other Comenity store cards. She gave me an amount to bring the Ulta card up to current, which I paid. I only found out after checking my credit report that the account had been closed for 2 months!

I have a few Comenity credit cards. If I could rate them a zero I would. DO NOT OPEN any credit cards with them. They will decrease your limit or close your account once you pay it off or have a large available credit they snatch it right from you! I will NEVER open another single card through them again!!!

I received catalogs that use Comenity bank. So, I decided to open about 3 accounts, what did I do that for. Along with the outlandish fees for the small credit limits were crazy. They're thieves. They're out for money and that's it. They won't help or negotiate properly. Stay Away, it's a weird company. I've had these accounts for some reason transferred 2x to 2 more fake scam companies who have my information which is fraud. Portfolio/Rausch Sturm

Comenity Bank charged me twice finance charged before my 12 months was up. I called them and emailed to explained to them I'm on a 12 month promotion. They did not seem to care or give me an explanation. It was only 2 dollars for 2 months but it is principle. Comenity bank are liars and they lost a good paying customer. I even paid a month ahead and close to the end of my promotion being up. They charged me a late and would not remove that either. I will blast Comenity bank to friends and family. NO ONE SHOULD DO BUSINESS WITH COMENITY BANK. I WILL NEVER DEAL WITH COMENITY BANK AGAIN.

Like many others, Comenity promised a lot, so I applied was approved, but 3 months later, they closed the account, stating I had too many inquiries. LOL, they were the only inquiry. I had used the card once during travel for a hotel stay, paid if off the following week. I called support, that was a bad experience, unprofessional and rude staff, sounded like they were having a party in the background. I wish I would have read the reviews here first. From my experience, don't do business with Comenity!

My payment was due the 12th of January. I pay all my bills online using billpay service and never had a problem with a late fee. I sent the payment on Jan 6th, plenty of time to arrive on time. Post office mail takes 2 days to get to TX. Get my next statement from them and it has $28 late fee and $5 interest and shows my payment was received on the 15th. We statement was mailed to me on the 17th. I call in to talk to them. They will not talk to me because the account is in my wife's name.

I purchased a wedding ring on 11/23/18 from Kay Jewelers. I was told that if I opened an account with Comenity Bank and paid off the balance within 12 months I would not be charged any interest. The balance was divided into 12 payments with the first payment due on 1/16/19. This was done automatically through their direct draft system. Unbeknownst to me, because I made the purchase in November of 2018, the balance had to be paid by November 2019. Their system automatically divided my balance into 12 easy payments and pushed the first payment one month out causing me to be one month late on my final payment. I was charged 12 months interest for the entire amount from the date of purchase. I realize that if I had paid closer attention and had not been so trusting I would have caught their little scam. I didn't and now I know and I'll never do business with them again.

Recently, I had a payment returned in error by my bank, first time since my account was opened in 2018. They not only charged the returned payment fee but also blocked my checking account, I submitted to them a letter from my bank stating it was bank error and my checking account was active and had no problems, they gave me a temporary reversal of the fee, but almost a month later my checking account is still blocked and they have the letter from my bank taking full responsibility. I have not received a valid explanation as to why, only form email responses from the many emails I have sent. I have never seen a company with this level of customer service, it is the very worst! They should not be in business.

I have three cards of which Comenity is the bank. Ulta, Alphaeon and Care Credit. I’ve been giving them business for years and they continue to provide AWFUL customer service anytime you need anything. Heaven forbid you need a late charge waived, they act like it’s coming out of their own check!!! They won’t waive anything regardless of your situation (my mother passed away and they couldn’t care a less)!! Well I am officially DONE with them and their money stealing schemes! I’ve paid them all off and I would NEVER use them again! I’ll give my business to Capital One or Discover.

Do yourself a favor. DO NOT buy from a retail credit card managed by COMENITY BANK. They are a rip-off. No auto payment, no email alerting you of future charges, then they say you select paperless that they offered over and over. I ended up paying double of the item amount I bought from Wayfair. Thanks God Walmart is with CapOne. Their customer service is horrible, more like a collectors. They are rude and useless. Never buy from any store related to this bank.

Please do yourself a favor and don't ever get a credit card or anything financed through Comenity bank. They will ruin your credit and will charge exuberant amount of money for any late fees. Please DON'T use these people, they are the true definition of evil.

I made a qualifying purchase for deferred interest, however after making the purchase, Comenity reneged on the agreement we had, and charged me interest on everything. They refused to honor the agreement THEY made with me. I was also paid a month in advance, however I was still hit for a late fee for not making my payment on time (even though I've overpaid every 2 weeks and was over a month ahead of schedule for payments on purpose). After trying to get them to assist me, all I got was a rude attitude back. I'll never use Comenity ever again. This company and its customer service is complete garbage. If I could give a 0 star rating, I would absolutely do it. Judging by the other reviews on here, it's a shock they're even still in business.

Do not do business with Comentiy Bank/Smile Generation. Their customer service is horrible. I called them today and spoke with a representative regarding my wife's account. She was very rude, unprofessional and unpleasant to speak with. I am not sure how can this business survive to hire people with no customer service experience whatsoever. Her communication skills were zero. I will try to payoff the loan that my wife has with them for her dental work and do not deal with them ever again. I DO NOT RECOMMEND THIS BANK FOR YOUR FUTURE FINANCIAL HELP. They are running a shady business.

I tried to take advantage of a promotional zero interest financing for a portion of my cost for new hearing aids thru Healthiplan/Comenity Bank - it was a big mistake! Their deceitful and unethical practices led to an exorbitant finance charge and related late payment fees. Contact with them in hopes of resolving this issue went nowhere. Do yourself a favor and DO NOT use Healthiplan/Comenity Bank if it is offered as part of your dealings with APEX Audiology.

I was rebuilding my credit and obtained several credit cards that were issued from Comenity Bank. I paid them all on time with more than minimum due. Then it started to happen. They started running my credit every month, with these inquiries my score would drop, and then they would drop my limit on my card. They even closed 2 of my cards for no reason. They have dropped my limit almost every month to a point where some are now over limit so I have to pay more just to keep the below limit. Never get one with Comenity Bank.

If I could give less than a star I would. They don't care, they won't let you speak to a manager, they don't listen. They just listen to answer and rebuttal everything you say. Do yourself a favor and never get involved with them.

Awful company. Paid off my balance and needed a simple letter stating I did so and my balance was $0. (Purchasing a home and this is something that was required). Since I opened my account in 2012, I was told, I could only get a letter drafted 10 days after my Debit Card payment to my OLD address on file. They were not able to fax or email or anything else besides a letter. The letter could not be prepared till 10 DAYS AFTER my debit card payment. And then it’d take an additional 7-10 days for the letter. So 17-20 days to receive a sentence saying I paid off my balance. After 7 calls to their customer service and no one saying the same thing twice....I will never have another Comenity card again. Horrible service. They sure can yank your money in seconds but not provide any service once they’ve done so.

My daughter and I purchased some jewelry at Little Switzerland in St. Thomas in May with the six month interest free offer. I religiously paid the amount due each month to avoid the interest charge and always paid by the due date on my statement. Now that I have made the last payment, based on the due date that was on my statement, they are saying that I didn't pay the promotional balance off by 11/21 so they charged me the entire interest of $152.96 for the purchase because my payment didn't reach them until 11/25. The due date on my statement was 11/28 which is very confusing... The promotional due date should be the due date on your statement.

Comenity bank has a predatory behavior with customers. I paid $200 without my bill in front of me 9/4/19. I owed $206.95. Locked myself out of my online acct and had $6.95 bill left Oct 2019 (I was unaware). I Called in mid November when I found out about the $6.95 I owed. I requested paper billing (the oversight would not have happened with a paper bill) although I don't know why the account was set on electronic bill. I paid the bill at the time. W.sonoma waived the fee, did not credit my account for $6.95 and $2.00 interest when I paid the first time. The amount was not applied until November 26 2019. The rep said I was all set, no balance and my card was in good standing on my first call. My card was declined in store in December. I returned home and checked my account.

OMG-they are the lender for Alpheon credit. They run promotions on their lending which is an earlier due date than the due date on their autopay. They should give you that option. They prey on people that are good payers and rip them off!! I borrowed $10,000 in July and was told it was interest free if I paid within 6 months. I paid it off every month-I was late, one month, but paid and was charged $27. You would think paying it off regardless of one mistake, they would be lenient on the late fee. Only reimbursed me $15. So, I finish paying within 6 months by THEIR due date-$10,000-and they charged me almost $1000 interest.

My wife has a card thru Lane Bryant. I have all other cards on auto pay but Comenity does not offer this option. Bank is phishing for late fees, no notice or phone calls or any notice of missed payments until three payments at $40 dollars each. Late fees are more than the charged amount. Customer service does not care. Does the store get a kickback from the bank. I cancelled the card.

Considering @Arhaus for furniture purchase using 1 year no interest promotion- BEWARE! Comenity Bank provides their financing and is NOTORIOUS for processing payments late to drive up late fees AND falsely charge the promotional interest 29.9%!!! We purchased furniture via Arhaus under a 1 year promotional plan on 2 separate purchases with 0% financing. We paid the account in full with check on 11/21 and they did not post until after 12/9 and back dated payment to 12/4 posting date- STILL charging the $900 interest. Called 2x with NO solution.

Comenity Bank issued me a credit card for The Children's Place in November 2019. I entered my banking data two weeks early and submitted a payment on 12/12/2019. However, the Comenity Bank Credit Card Profile website did NOT ever process my payment. Because I keep a daily watch on my checking account, I noticed my payment to Comenity Bank was never processed.

We are approaching week 3 of review to see if I qualify. I get a letter on week 2 saying they need more information including my astrological sign. Yes, that's right they need to know my sign before they will issue me a card. Ridiculous! I have a 764 credit score. This is crazy. You have to know my sign first? I have never had this kind of experience or drawn-out foolery while applying for a card. Do yourself a favor and apply for worthier card.

I, like many others who left reviews, had my credit limit decreased on my credit card. I have had the account for over 2 years and have made EVERY payment on time. I have had TWO limit decreases in less than 6 months. Every time I get my balance paid down, they are decreasing my limit. They decrease it just enough that I am not able to make any purchases. The explanation that I received is that my credit score changed. My credit score has changed several times during the years that I have had the card but I never got credit limit decreases until recently. I have never had credit limits decreased on my cards from any other bank. I am very displeased with Comenity Bank!

These guys definitely steal money from you. I have been gone online paying my payment pushing the minimum amount due and it turns out what they have written is a dollar short so they charge me $38 to $40 every month in a late fee because I paid a dollar less which doesn't make sense because why would I pay a dollar less just to be charged every month. I talked to them about it and they said they can't do anything about it but Credit One charge back every 18 months.

I received a fraud alert voicemail, asking me to call them back. It has now been 24 hours and I have no way to get in touch with them. I have tried the fraud line multiple times during business hours (on hold for 10-15 minutes then they end the call telling me to try again later). I have tried 2 customer service numbers. Both auto route me to Spanish even after I choose English, and put me on hold for 15 minutes before hanging up on me. Online the cards show as unlocked, no fraud alerts, yet my wife's card is now declining. Accounts are fully paid off. It appears others have wonderful experiences. Perhaps this is a Sony Card problem as they recently switched from Capital One. If you have a Sony card, I recommend switching until Sony picks a better bank. Been a Sony Cardholder since 1999. Looks like I am cancelling which is a shame.

I purchased a piece of jewelry from Jared. I paid the item off on time, every payment. I thought since I paid the balance off in full, any interest would stop accruing since I ASSUMED it was part of the balance. I never missed a payment!!! 3 mos later I got a late payment notice! They have a rolling interest where even after you pay an item off during a month, they can continue to charge you interest for the remainder of that month or pay period!! My credit rating dropped!! They fixed the payment, supposedly going to send out a letter to the credit bureau to fix it. DO not purchase any card affiliated with Comenity Bank.

I have 4 retail cards that use Comenity. I have been actively using my credit cards for years. I was unemployed still used my cards and I paid off 1 of the cards and was paying down the others in high volume getting ready for the Christmas season and gifts. I get a notice for each card just 1 month before Christmas of them significantly lowering my credit limits (all were not even maxed out or near the original credit limits). One card they lowered 95% to nearly nothing and have ruined my Christmas for my family. I am so angry with this company.

I was the victim of credit card fraud. My social security number was somehow stolen and a Victoria's Secret card was opened with that number and used by a criminal. I have never seen the card or know how it was used. The criminal did not use my correct name or address but was still able to open the card and I was contacted by a collections agency to pay the bill. When I spoke to Comenity bank's fraud department they reassured me the case was obviously fraudulent and would be resolved quickly. It's been months and I have since filed a police report and contacted the credit bureaus, but haven't succeeded at getting these charges removed and am now receiving bills for this fake account. I just spoke with the comenity bank again today and they assured me that they would open another case and get this resolved because it was clearly fraud. I am now researching how to take legal action against the bank.

I made a purchase on Overstock about 18 months ago and applied for the store card upon check out to get the discount. I have been making my payments but since I have not bought anything new, they continue to lower my credit amount thereby negatively impacting my credit rating as it appears that I am using more credit than I truly am. They are a sleazy and dishonest credit issuer. Protect yourself and Just Say NO to Comenity Bank cards.

Comenity Closed 2 of my credit card accounts that were paid and in good standing without notification. I called to get a credit card replacement, and I was told I would have a replacement mailed within 2 weeks. I then get a secured message that they denied the replacement. I called again to speak with another person that I could barely understand who then said she was send a new replacement, so I had to repeat myself on why I was calling again because the guy I spoke with before her said the same thing. Then she tells me that they closed my account and I would not be able to get another card unless I fill out a new application for the same limits and benefits.

I lost my Kay card and called Comenity Bank to report it. Well they decided to close the account and refuse to reopen it. I DID NOT TELL THEM TO CLOSE IT AND THEY REFUSE TO CORRECT THEIR ERROR. They are terrible. Refuse to ever do business with them in any manner shape or form and will place this on every social media outlet to let everyone know.

Comenity found 4 potential instances of fraud on my husband's credit card, two of which were in fact fraud. They advised us to destroy his card, that a new one would be mailed and that I could continue to use mine (I am the primary cardholder). 8 weeks later, he has received 3 new cards, NONE of which have worked. Then, Comenity canceled my card, I received two new cards, the last one finally worked. We have called them 15 times, basically been lied to about new cards being sent, and now they sent a letter saying our cards were cancelled because of info they received from another source.

In April of 2019 I fulfilled sign-up bonuses for a credit card I received from Comenity Bank. After waiting three months for my reward I contacted customer service. They spotted an error in how they had coded my purchases and informed me that the issue would be resolved 'shortly' which meant within 60 days. We are now 7 months removed from the purchases and despite additional phone calls and numerous emails they have refused to address the issue. I suspect that since the amount is rather small they know I will not pursue legal action and are simply going to ignore me.

Have been trying to obtain either my username or account number in order to access my account. I have lost both and you must have one in order to get the other! The absurdity of their customer service was when a supervisor was trying to get me to guess my username and the call was disconnected. The customer service are all very pleasant and polite but totally useless as they no authority and their knowledge of how to resolve problems is woefully inadequate (e guessing username). I need a copy of my statement for a mortgage application and would also like to payoff my account and close it. I highly recommend not using any company affiliated with Comenity Bank.

At the end of last year, I opened a LOFT credit card account which obviously is issued by Comenity Bank. I forgot to pay for my purchase immediately after one transaction. Since they don't have an option to set up auto payment, I ended up paying it late. I paid the amount of purchase + late fee + interest charges as soon as I realized it past due (only a couple of days later). HOWEVER, after I paid all my previous balance full, I keep receiving late fee charges and late fee charges for those late fee charges with an accumulated amount of nearly $200 Year-to-the end! I called customer service to close my account, the agent said that she can waive one of the many late fee charges ($35) if I keep my account. I just don't bother to do any business with COMENITY BANK and decide to close my account immediately. The worst customer experience I have ever had in my life! Stay away from the COMENITY BANK which does business in such a sneaky and underhand way!!!

Was happy with the high yield (though the rate went down twice from 2.45 to 2.15 in the last two months). Then, they decided to implement a daily transaction limit of 10K for all customers, with no warning. That makes it easier for them to hold your money and harder for you to get it out.

I have been attempting since March, 2019 to obtain 2 closure letters from Comenity where Comenity held the ownership of these credit cards. It is now November, 2019, do you view this timeframe as ridiculous, I certainly do. My request is nothing out of the ordinary. I have talked to 95 pages (I make notes) of ridiculous call center personnel, get the eternal yank, everyone saying they want to help, when they do not, but try to obtain much of our personal information. Now 8 months later still trying to obtain these closure letters. These call center employees try to take on things they are not trained or experienced to handle, frauds, liars, thieves, taking too much of our time, do not enter into computers accurate information, cannot spell or even write a complete sentence, uneducated. Would never recommend this bank to anyone.

They have the most incompetent claims dispute department and process I have ever seen before in my life. They put me through the ringer to get ALL the documents I needed to file my dispute and still could not understand it. I had to do another letter and resubmit again and they denied the claim simply because the Merchant does not grant refunds. This person did not deliver the services she promised as per her contract but because she does not give refunds, they took her side. I have already retained a lawyer. Please STAY AWAY from using this card.

What is going on?

I am writing today to express my complete dissatisfaction with Comenity Bank and the way they operate their interest free payment plans. I purchased a dining room table from Overstock.com on 9/24/2018 and used their 12-month interest free payment plan. I received my first bill, which was due on 11/4/2018. I divided that bill by 12 and made 12 payments. My last payment had a due date of 10/04/2019 so I set the payment up for that date. Two weeks later I received a bill in the amount of $102.35 for interest charges. I called their customer service department and they told me that I am being charged interest because the promotion plan expired on 9/25/2019, 9 days before the bill was due. This is extremely poor business and seems almost a dishonest practice.

I recently made a large purchase at Ulta. I was lured into applying for a card that would save me $100.00. The first thing that irritated me was a letter I received saying AI didn’t get the best rate due to my credit report. My score is in the mid 700’s. Today I received a call that my payment was late. I never received the bill! She says they sent another on the 16th and today, nothing. They have the correct address. I could tell the agent thought I was lying. I always pay my bills on time. They slapped me with a late fee. I paid her on the phone and it is still pending my bank account.

I am reporting an issue with the Comenity Bank during Wayfair Credit Card application process. I received a letter from Comenity Bank that they need to verify the information provided for my Wayfair credit card. I called to let them know I no longer wanted the card. (I was not interested in getting the card since the Wayfair discount offered online when ordering furniture was not available after I paid for the item.) The person I spoke with (at 866-668-5450) told me that she would note that I refused to answer the questions related to my information and that a letter would be issued noting this refusal.

I had 4 accounts with Comenity bank, all of them being in a good standing with paying of the loan amount, but there is one account (Overstock.com) that I could not close because comenity want to change on the late fee that I paid last month. Want to charge me another late fee the amount not even correct. To begin with it's a ripoff company, they do not have the option for you to set up auto pay so they can bank on the late fee which I was a victim of, customer services are very rude and unprofessional. I highly recommend not to do business with this company, they do not even deserve to have a 1 star.

Had my card breached in September 2019. While Comenity did issue credit for the fraudulent charge, I was never able to use the new card issued to me. After verifying my card was UNLOCKED, and my address and phone number were correct, I had made several attempts to use my card, only to be mortified at the register. At which time, I gave Discover Card my purchases. I called twice to research the issue and while the reps tried to be helpful, they showed absolutely NO ISSUE on their end. I closed my account and cut up my card. And just for the record, MY ACCOUNT WAS AND ALWAYS HAS BEEN IN EXCELLENT STANDING!!!!

In March of 2018, I purchased a furniture for $2940.85 from Overstock. The customer service person told me that If apply and buy through the Comenity credit card I will have 36 months interest free. As per this I applied the comenity credit card. I have been making monthly payment without fail. Never missed a single payment. On 08/30/2019 I had a balance of $175.86. in my account. When I looked at my account again 4 days later on 09/04/2019, the account has been charged for financial charge of $700.71 for a %175.86 balance.

They constantly increase my minimum payment for no reason, using the excuse of "We sent a notification" to make it OK. I have never dealt with any company that has done this before. The minimum payment should only go up if you have spent more on the card. Then it makes sense. But if I haven't used the card in over a year, they should not be constantly increasing my minimum payment! Then if you call to speak to someone, you deal with incompetent people who have no idea how to answer your question and have no intention of finding out. "Oh I'm sorry, but that's just the way it is. They sent you a notification." Then you have to insist that they find you someone who knows, because someone SHOULD know, don't you think?

Lets start out by stating that they when I used a line of credit through them they did not tell me the interest was deferred. They did not tell me the interest is 29.999% APR. So when I paid the balance of $3500 down to $2600 all of a sudden the deferred interest of 30% hit and I got a lovely $4700 bill. My $65 payment went to $190 each month. Did I mention that each payment I make results in a $121 interest charge so essentially going to stay in debt. This is disgusting. Never have I ever had my minimum monthly payment more than double.

On February 14th, 2019 I purchased a wedding ring set from my local Kay's Jewelers. When checking out I was offered a promotional plan for 36 months and took it knowing we would pay the account off in about 30 days. Worst mistake I've ever made! March 16th 2019, I went into Kay's to pay off the account, gave a check and was assured there would be no problem. April I received a statement for $8 and change and paid it. Then May received another statement, now for $19 and change and again paid it. Didn't receive another bill until July with a balance for DOUBLE the amount originally charged. I immediately checked with my bank and there was NEVER an attempt to take the payment for the account. I have called MULTIPLE times to get this taken care of and continue to get the run around. They have now messed up my married name and I am required to fix it when they made the mistake.

I share the same experiences with Comenity Bank, paying on time and it takes sometimes a week to debit my account, charge a late fee, and the customer service is awful. I close my JJill account and will do the same with Talbots and Loft. I can see reading the reviews, I came to the conclusion that nothing stops them and hopefully the consumers affair can put a stop of the way they do business. I have a business for the last 43 years and I can not believe that they get away.

The second they email you about your card statement being available online, they also call you from multiple different numbers every hour on the hour. Bill isn't even due until next month. No past due balance; nothing. Just straight harassment. Absolutely a nightmare to deal with; never again.

I opened this card in July of 2019. I have made on time payments every time. I recently added a new account to my profile so that I could use it to make payments. I received an email stating that the payment was received and would be deducted, pending final authorization from the bank. My daughter tried to make a purchase last week but couldn't. I went to check and it said that the payment was returned. I didn't understand why since the account had plenty of money in it, but I paid with a different account since the payment was now considered late.

I paid off my account on August 8, 2019, called in specifically to make sure the amount was correct. Two weeks later I get a bill with added interest after a 24 -month promotional offer of no interest. It is not my fault that interest is applied a month later, very misleading. DO NOT use COMENITY BANK.

I applied for the credit card on Ulta's website due to a promotion. If I applied for a credit card I would get 20% off the purchase. That was the only reason why I applied for the card. After I completed the application I was told that my application was under review and they would let me know the status within 10 days. I have a credit score of over 800 and there was no reason why I should have not been approved for the card at the time I applied. I pay all of my credit cards in full, monthly. I received a letter from Comenity stating they could not continue processing my application until I contacted them directly to verify information. As I write this, I have been on hold waiting for an agent, 1 hr and 55 minutes. I don't know what information they need verified, but at this point I would never do business with this bank.

I would not give them any stars if that was an option. I have not seen this issue in any of the reviews. I just recently joined BJ's and decided to go ahead with applying for the credit card since they had nice cashback incentives. About a week later I received a letter from them stating my application cannot be processed and to call them to provide more information. I have excellent credit and have never had this problem before. I called them and some of their questions were invasive and personal and I immediately had a feeling this was not a legitimate company. They then told me that I would receive another letter requiring more information which was really surprising. I just received that letter and they are requiring copies of my driver's license, social security card and a copy of a utility bill or bank statement. This is ridiculous and unheard of. I feel this is very fraudulent and of course will not comply.

My statement for the month was 2661.32 cents. I paid 2661 due to rounding error and was charged 13$ as finance fees. To add insult to injury on calling customer service the agent schooled me on where I can find details of the Finance charge buried in their terms and conditions. Most ethical banks would waive off the fee. I have cancelled my card as I do not want to encourage their unethical practices.

I bought $62 of cosmetics at ULTA Beauty and opened a credit card in order to use the "save money coupon". The credit card through Comenity Bank was due May 12. I didn't get the bill on time. The Post Office sent me a letter dated May 10 2019 that my mail was being held until my new address was confirmed as they believed my online postal account was compromised. (It wasn't.)

I financed a small portion of a $14,000 Kays jewelry ring. Bought on 8/9/2018, the ring was custom, and awfully mounted upon pick up. I proceeded to have the worst experience with the product with it breaking several times, including on day 1! It was not in my possession for the first time until 9/1/18. In the first year, my wife had the ring for a combined 5 months at max with it in and out of the shop. I, however, CONTINUED TO PAY MY BILL ON TIME. I received the deceptive “0% finance promo plan” of paid off on a year.

One of the most difficult experiences I have ever had with a financial institution. I was told by Wayfair to institute a dispute so that the Comenity-Wayfair dispute process could begin. I had to speak to four different people at Comenity before I reached someone that helped me. The first three folks I spoke to were had no interest in helping me resolve my dispute. Initiating the dispute does guarantee that I get what I want. Just a horrible experience.

My wife got a credit card tied to Bealls of Florida. Some time after using it, she got a letter saying they could not contact her by email. They did have the correct email address. I made phone calls to get the bill paid and I tried to arrange for future automatic payment from my bank account. Automatic payment is either very difficult or impossible. I'm not sure which. Last month, I spent half an hour on the phone with a customer service rep to pay my bill. When I was done, I was assured that everything was ok. Maybe for Comenity it was ok.

I have been trying to make payments on my card via their website. I managed to pay a few small amounts over the past weekend, it would not allow more than one payment in a day, though that was how my outstanding balances would come up. I have a low limit which is fine, but after my purchases have been made and shipped, it’s not reflected when I log into the account, so I can’t pay it off and make more purchases.

This company is a joke. I applied for financing on a $15,000-$20,000 engagement ring. With an 800+ credit score and more than ample income, they offered me a $1,000 credit limit. When I called 15 minutes afterwards, they said they would need to pull a second credit report to increase my credit limit. Pathetic. I am reporting this company to the BBC. Pulling multiple credit reports in a matter of minutes to meet original expectations is bad business, plain and simple. The customer service representative did not help at all. Also disappointing my jeweler referred me this company.

I have had two highly negative experiences with Comenity Bank. Both involved bills indicating that I had not paid on time with an addition of exorbitant late fees. In both instances I had sent in checks much before the deadlines. When I made an attempt with a phone call to address the problem, I was told that I must have sent the checks to the wrong department. I had mailed my checks in the envelope they had provided and I had checked to see that the address was clearly shown in the envelope window. I was also told that I had an outstanding bill on a credit card from a shop that I frequent, but I don’t have and never have had a credit card from that shop. This is inefficiency at its height or it’s a scam. I am highly suspicious of this company and will report them to every watchdog agency I can find.

I sent your shop and then you can company so I realize I was being ripped off by Comenity Bank. I noticed that I started to receive high interest on items that I no longer even owned. I would shop in the stores without trying on clothing and when I got home if something doesn’t fit or if a gift I bought for someone didn’t pan out right I will return it. However many times I reviewed my statement and it seems that I was being charged interest on items that I no longer had or returned. I opened up an investigation with the Better Business Bureau and guess what they ended up telling me that all charges and fees were related to the charges on the account. No one in their response team will break down the actual fees related to a particular purchase. I decided I had enough and I asked for my account to be closed. At the time of closing my account I had a 1300 credit limit and I had used 800 of it.

I received a pre-approval from Caesars Rewards Visa.. A Comenity Bank issued card. I decided to accept, and received a $7,000 limit. They sent the card and I have about 2,000 charged on it. First payment made today (9/3/19) They have closed the account! They said I have too many inquiries on my credit (5 in the last two years). Terrible company, would not ever recommend!!! The same inquiries were on my credit when they issued the card!! I now see this is their game, they apparently do this to a LOT of people. Wish I had done better research before accepting. DO NOT DO BUSINESS WITH THIS BANK!!!! I have 100% on time payments on my credit, have no collections, etc. Should be illegal for them to harm peoples credit!

This company offers 0%, but then arranges the promotional rate to end short of the due date of the last billing cycle and does so extremely deceptively. They have other lawsuits listed. Do not get a card through this company.

I have a Comenity Visa with both Eddie Bauer and Williams Sonoma. I have had issues with password recognition and Comenity's log-on experience for both vendors. Recently I signed up for autopay as I travel and wanted to ensure no payment was missed. Comenity then applied a payment on my account though no statement had been generated. On inquiry, Comenity stated that when I signed up for Autopay they advised me of the date they would withdraw first Autopay. Silly me, I had thought the first Autopay would follow the statement and be in accord with the end of the billing cycle. This is BAD business practice and is Comenity's way of gathering in payments before they are even due. I will be cancelling both the Eddie Bauer Visa and Williams Sonoma Visa.

What this bank is doing should be illegal! I have 5 Department Store Cards from these crooks - Children's Place, GameStop, Williams Sonoma, NY & Co... One month they said my payment didn't go through for 2 accounts because I "didn't have a valid Bank Account". I do and I use it daily. After spending a week hearing ridiculous excuses from their uneducated employees I just paid the late fees and moved on. Then they wouldn't let me use my bank account as a punishment for 3 months. After 3 months, it never fixed and I'm still using the alternate bank account.

I’ve had a Victoria's Secret card for a few years now. I’ve always tried to pay on time except for one time when I forgot to make my payment. My payment is due on the 16th. My last payment I made on the 16th at 5:47 pm Pacific time. Is it not still the 16th somewhere in America? I not only made my payment, I paid off the balance. Today I checked my email and there was a message saying I owed $30.00. I was shocked and confused, I thought this could not be. I paid off my entire balance on the due date.