Bread Financial Reviews

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.

I attempted to reduce my monthly payments because of my reduced income. Every other company was willing to work with me to reduce my monthly payments as I am unemployed and caring for my husband, who is disabled, and my son, who is a disabled veteran. I attempted to use the Account Assure and they denied me those benefits despite the fact that I paid into them. Comenity employees harass you, they barrage you with collection calls, and they do not leave you alone. Further, they pass along excessive late fees and interest, even when you make a payment. If you call Pier 1 they say they have nothing to do with the financing company. That is absurd; they use Comenity to do their dirty work. In addition, the customer service leaves you on hold for hours and they will not work with you.

We have owned this MC card through BJ's Club for many years. All our purchases at BJ's and some automated monthly payments to a few other companies are always paid off in full every month. This card has occasionally been used to make a single non-recurring payment to other entities too. Never had any problem with the number of charges or payments until now. Suddenly we received an email announcing that the automated payment to OOMA, a phone company, had been cancelled. No reason given. We followed up with our own email requesting an explanation. We received the following "There have been multiple payments/credits and/or purchases posting to your account in a certain period of time. Because of this, we may not authorize your transactions today. This is a fraud prevention measure in order to protect your account."

I was charged late fees when I submitted my payment on time. I didn't have auto-pay enabled, however I submitted my payment before the deadline. However, I guess they charge late fees depending upon the final processing date. So you might have a payment due date of the 1st every month. If you submit the payment at 10am on the 1st and they decide to process it on the 2nd. They charge you a late fee I guess. It is truly ridiculous.

Initially, I have had a good experience with Comenity up until now. I had been trying to establish and improve my credit and Comenity had approved me and gave me a line of credit. Then they kept approving me card after card Wayfair, FullBeauty, Old Navy, Overstock, Williams Sonoma. I paid all my cards on time and paid off my balances. I took a break on shopping for a while cause I did not want to get in over my head. One day I received a letter from Comenity saying they were lowering my credit line on of my cards. They didn't provide a specific reason. I don't see why they did that. Most of my cards were paid off and the two that I still am paying off are in good standing.

Contacted by this bank regarding fraud on my account. Called the number they left to contact (given wrong number). Called 4 times. On hold over 25 min. Each time had to wait until I got home from work and find another card so I could be switched to their fraud department then on hold 28:23 min. Rude rude rude staff. No answers to why I couldn't get thru or why their automated system wasn't working. Sorry sorry sorry. Don't know don't know don't know. Must be what they teach their staff to say!!!! I Immediately closed my Card. Worst customer service I've ever experienced!!!!

Absolutely horrid experience. If you don't want to hand over your banking information and you mail in your payments they will always be marked late (Add in a "finance charge fee and a "late fee") and if you pay in store, the part time high school staffer doesn't know what to do with your check you wrote so feel comfortable handing that over to also be processed "late". There goes another late fee and finance charge. When you call to dispute, you end up on the phone with some rep who obviously hates people and argues at length with you even when you are being reasonable and patient. I cannot believe they are in business. I returned my products, am still disputing their charges because they have ALONE made my credit drop over 100points in a month with this sneaky trick. Unbelievable scam. RUN FAR AWAY. Buy online from outlets not through this crap. So not worth it.

Like everyone else here, I would assign ZERO stars if that was possible. I signed up for a few services as Ideal Image which at that time was going thru Comenity for financing. My total service fees were about 4K. I set up autopay and as of last year at this time, my balance was under 1K. Upon seeing a payment to them today, I happened to open it, thinking "shouldn't we be close to being paid off?" Lo and Behold, without ever stepping foot in Ideal Image in 3 years or incurring any services whatsoever, according to them I now owe them 2,300.00!

All of my Comenity credit cards were closed, or credit SIGNIFICANTLY reduced! ALL accounts ARE in EXCELLENT STANDING!!! This is happening to EVERYONE! Comenity has acquired NEW cards, Carters/Oshkosh and Sephora&Sephora Mastercard. Looks like they're freeing up their debt in order to secure other vendors, at the consumer's expense. What a LOUSY way to treat your customers!!! And NO notifications!! Comenity you SUCK!!!! BIG TIME!!!

I received a Meijer credit card through Comenity on July 23, 2019. I had not used the card at all yet when on August 3rd, I received a text asking me if I had made a purchase for $114, I responded no, I had not....long story short, they send phishing-like texts and send you a number to call that is nowhere on the site. I called the number on the card and all they could tell me is that it was used in Waterford, MI (I live in Southern Ohio) and that I could file a fraud claim. Then I found out that 2 transactions went through, I was told they would flag them and would send me fraud paperwork to fill out. It is now 8 days later, I have no paperwork and the charges are still on my account and I still haven't used the card.

On 11/28/2018, I received a letter from a company, Comenity Capital Bank, stating that a Big Lots credit card account revealed potential security concerns and/or irregular credit card transactions. (see attached) I immediately called the company Comenity Capital Bank and informed them that I do not have a Big Lots credit card and never have and that my name is not the same as on the account listed on the letter and they stated that they would investigate for fraud. In a few weeks following this, I then started receiving harassing phone calls from the same company, Comenity Capital Bank, at least once a week stating that I needed to pay this balance. I each time told the company that this was NOT MY ACCOUNT and I did not have a Big Lots credit card and even spoke with someone in their fraud department to verify that the name and the ss # on the account was NOT mine...so they said they would stop calling me.

I was a little nervous due to some of the ratings, but decided to give it a go. Very easy to open and fund the HYSA. When I wanted to withdraw from my account I was not able to figure out the confirmation required, so I called Customer Service. In conflict with some of the reviews, I was very pleased with the experience. The agent was able to walk me through the procedure and the funds were successfully posted to my bank account the next business day. Very pleased with the terms and rates with Comenity Direct and I am very comfortable recommending it.

I do not know where to begin. Comenity Bank is the closest thing to a fraudulent bank that tricks their consumers with their 12 month or 6 month promotional offers and then without any compromise charges people full interest on those 12 months. I bought an engagement ring on July 12, 2018. It is the day of the purchase apparently when the finance promotional offer starts. However, the customer representative at Blue Nile and Customer Service Associate at Comenity failed to clarify the information. I did not receive my credit card on time (which you are supposed to use to activate your credit card and account to start payment). I did not receive my card the first two months since they mailed it to the wrong address.

We have 6 accounts that Comenity services. They are terrible at reconciling issues. We have been going back and forth since May with them and it is now August and no results. Once our acct is paid off we will NEVER use them again. Our checking acct had a hold on it due to a large deposit which unfortunately returned a payment to Comenity. We have sent them letters from our bank and are still not able to utilize our acct for payments. We have to call in every month and they have to override the error in their system for our payment. They had the nerve to tell us we could just go and open up a new checking account. I told them no that they can just fix their issue. Surely we are not the first customer to have a payment returned. It's totally ridiculous to cease all payments from an account just because of one returned payment that wasn't even due to insufficient funds but because of a hold. Terrible terrible company.

I purchased an engagement ring through Kay Jewelers, opting to get credit card through this bank not knowing they just had changed creditors, found that out after the fact.... The first 3 months they screwed up my payments with 1 year no interest. Until they could correct the issue, I had to pay the going interest rate at 29%....RIDICULOUS! I had to pay damn near $650 a month. Luckily I was blessed with the funds to pay this card off immediately. Now if I see anything associated with this bank, I run the other way! Don’t do it!!!!

I purchased a wedding ring through Comenity and Jared. They offered the 12-month interest free program, but automatically billed me on a different day than my ring's purchase date. Therefore, my last payment was a few days after that 12 months "matured", and I was charged all of the interest that was foregone with the deal. DO NOT WORK WITH THIS BANK.

I had 5 credit cards with Comenity, 3 of which I paid off in full (Overstock $1000, Pier 1 $800 and Carsons $900.00). I had excellent monthly payments on all of them and the available balance was the credit limit, yet Comenity closed all of them. The other credit cards I had with Comenity, as I paid down, they decreased my limit to what was owed (Venus $500 now 200 and HSN $1000 now $200). I have been trying to build my credit score for a major purchase but cannot build each month they make my debt to income ratio higher due to decreasing the credit limit to what is owed (ie, credit limit of $500 owe 240 decreased limit to 300 now debt to income ratio at 80%) and this has been going on for months. What can I do to stop the madness, this should be illegal. I want legal help against this company!!! How do I shut Comenity down? They are destroying credit for good payors like myself.

Like others have said, their online banking system is horrible. It is not user-friendly at all and is unintuitive. But more importantly, it did not credit me for interest earned for the month of July. I already contacted the BBB. I’m not certain what is going on with this bank but my recommendation would be to avoid them at all costs.

I have a Victoria's Secret and Ulta card through Comenity; I can't say that I have had any issues with my cards as of yet. I applied for Wayfair Credit and I received a letter to call with more information, there has been a hang-up with the credit bureaus since I recently changed my telephone number. I HAVE BEEN ON HOLD FOR ALMOST 2 HOURS TODAY TRYING TO SPEAK TO SOMEONE! The experience has left a bad taste in my mouth, if you want people's business the absolute least you can do is answer the damn phone.

Please be aware of their online payment site. It is not user-friendly and it is hard to enter bank information. I feel that it is set up like this purposely so they can charge more fees. It's best to pay it on the phone or go onto the store. I apparently typed my bank account number incorrectly and the check was returned, so they put a 90 day hold on my account plus charged me a $28.00 fee that they say they cannot give you a courtesy reversal. Very poor inconsiderate customer service. I think this bank has a scam going on with this online payment option and making money off of people that don't have the account number entered correctly. The customer service representative even told me they see this error all the time and there is nothing they can do about it; it is still a returned check.

The online banking site is poorly organized. No way to add or change beneficiaries online. You have to call customer service for everything. The online messaging is a joke. They advertise they will respond in the next business day, but they never do. Takes over a week to get an answer and often they just don't answer. Calling on the phone is another adventure. It takes forever to get anybody on the phone. The wait time is so long that you have to give up. The advertised rate on saving is good, but with such a bad service it is not worth the efforts. I recently opened A Comenity Direct bank savings account, but given the experience I'll be closing it up soon.

Which credit card company does not have the ability to allow consumers to setup automatic payments, and then offer paperless billing, and then hesitate to waive late fees because THEY didn't have the ability to allow automatic payments?? Comenity. They are SO designed to cheat people out of their hard earned money.

I established a line of credit with 12 months of free interest. The bank will send you a 1st statement with the payment divided by 12 month so you think that you are actually paying everything accordingly but they fail to tell you that the time of payoff begins right when you open the account. They should divide the balance by 11 not by 12 because in the end you will be late and get hit with the full interests for the past 12 month. They are deceiving and is definitely set up to make money for the bank.

I got a line of credit with 0% financing. It states all payments must be on time. I have excellent credit and a perfect payment history. First off when I got my bill there was no account # on the bill. Was told it was on a letter I was sent, found it finally. Said it was not there for my security. All my bills have account #s on them. Second I was told they don't do automatic withdrawals so now there would be no way in telling if a payment got there in time and as I quickly found out my fears were warranted.

First time buy in Ikea store was a good experience. I was offered a 6 months no interest credit card. I decided to applied. I made $500.00 purchased. My intention was to paid off the account before 6 months due date. My purchase date was June 14 2019, on July 1 2019, made $100 dollars payment. Never got a notification that their system was down and couldn’t get my payment to my bank.

I was issued a refund on 07/11/19 by Wayfair. Comenity bank is stating they don't see the refund?? This is the exact thing they did to me with my Forever 21 account that was actually fraudulently used. This is their way of holding your money and now an engineering team from Wayfair has to work on getting my refund issued. Comenity Bank should be out of business for the devious and corrupt ways they treat the consumers. I am on a limited income and they are messing with my credit. Stay away from this scamming bank.

First off, I've read all of the negative reviews and it's the card holder's fault and not Comenity. If you are on top of your bills, and pay them on time every month whether it's minimum, partial, or PIF they will treat you very well, give CLI's, and you won't have late fees. It is sent with the card in print stating the fees and due dates. If you are two days late, you will get a late fee. That's not Comenity's fault. If you don't like the fees and/or interest rates, DO NOT use the card and they will close the account like it was never even opened.

I have a credit balance. I called and was told it would be 5 working days to have credited to my checking account. After this I called, and said it could be 2 weeks. I will keep the acct open to get my bonus in February. Then it will be closed, and never ever use them again. Ready to report to the dept of Banking.

I applied for a Ulta Rewards MasterCard and I was approved for $1000. It took more than the 7 to 10 business days to receive the card. When I finally receive it I take my daughter to Ulta so that she can buy something as well as myself. Then bought a couple more things someone else making my spending purchases of $385.15. I was not going to use the credit card until I paid the full balance. I receive an alert from Experian stating this account was closed by the bank after a few weeks. I called and no one communicated why, but that I would receive a letter.

Just like others, I accepted their credit offer. With FICO score of excellent I received limit over $10,000.00. I liked the way they display pending transactions, and decided to use this card for my business. As soon as the charges totaled substantial amount, they closed my account without reason hence adversely affecting my credit utilization. I paid the balance immediately, and they couldn't do much damage to my credit. Nevertheless I take exception to the fact that time, and time again, despite my multiple requests, they will not provide me with the source of information that prompted closing my account.

I was approved for an Ultamate Rewards MasterCard with a CL of $1,500. I thought that was fine and waited patiently for the card, which took a while to get to me but showed up as a new account on my credit reports. I went to go activate the card, which went through fine, and to my surprise it said I had no available credit. I thought it was a glitch, so I went ahead and tried to use it on the small purchase I already intended for it. Wasn't working, so I gave up. A couple days later it showed up on my credit report as a closed account and that they closed it.

As far as collections go, they're definitely not the worst company I've ever dealt with. However they do have a tendency to talk over you. They'll ask you questions or give out ideas and how to help get it paid and if you try to respond they will completely interrupt you repeatedly over and over. The tone of customer service overall isn't terrible. But they're not super understanding. I battled cancer and having to move for medical reasons and the loss of my job over it sent me way behind, and they kept offering me a hardship program but with that I had to make a payment that to them was low but I just didn't have it. So I never qualified for this hardship program because I literally cannot afford to make the initial $20 payment when they needed me to make it. What I need is for them to set me up on something that can push my payments out a couple months so I could have it planned. They just made it really hard.

BUYER BEWARE! This is a scam. The bank puts the pay off date much earlier than your payment date and unless you read the fine print to find this, you are going to end up making your last payment later than the pay off date. Then they charge you the full interest on 18 months because you did not pay by the due date. This is what happened to us. We are encouraging our Dental Clinic to stop using this plan as it is definitely set up to make money for the bank.

I called to make a payment on my Dental First credit card. Followed the prompts on the automated system. Entered my social security number 3x and I was connected to a representative “Mark”. Said, "the system doesn’t recognize your social because of a zero balance"! I Owe $2100.00 at the time. I said, "how is this possible?" “Mark” said, "you have a 0 balance." I said, "when will the account show a 0 balance." he said, "July’s statement!" I said, "Ok!" So it’s July the 2nd I received my July statement and now I owe $27 and for a late fee and the past due of $75 and & July’s payment of $75 on the 19th! I called and there is no recording of my call on the 19th. I spoke with a supervisor and she said she can’t do anything for me because the call wasn’t recorded!??? Before I hung up on the ** I said, "Comenity Bank can kiss my **!"

In August 2018, I received a letter from Comenity Bank advising that I could sign up for e-mail and text alerts for charges made to my B.J.’s World Mastercard credit card account. Up until this time, this credit card was the only one I had that did not offer this service. I attempted to sign up for these alerts but every time I tried, I got an error message that said, “We’re sorry. A technical glitch occurred and your request could not be completed. Please try again.” I tried setting different dollar amounts for the alerts; tried requesting only e-mail alerts and then only text alerts; a combination of the two; tried different web browsers; cleared the cache in between requests; and, even tried different computers in the house, including a Macbook, but still got the same error message.

Do not use Comenity Bank's credit card. We made a purchase from Arhaus (love the furniture there - this is not a ding against Arhaus) and used the 0% financing option through Comenity. They did not explain the terms of the payment plan well and we paid it off, in accordance with our obligation, within 6 months. Nevertheless, because we paid it off 2 days after 6 months from the actual purchase date, but within the 6 month period and billing date, which we had understood to be the relevant date, we were charged 100% of the interest from the original purchase. Our final payment outstanding payment as of that date was less than the interest that they ended up charging us on the entire thing. The bank was completely unwilling to work with us and their emails and website made no indication that this was the requirement. NEVER EVER finance or borrow or work with Comenity.

I am very careful with my only credit card. Last June 2018, a Victoria's Secret Associate "tricked" me into their Angel Card, stating that if I sign up for this card I would get a discount. They did Not mention it was a credit card and the remainder amount of my purchase would go in that card. I never used the card or even activated it. 4 months later I see 100s of dollars amount pending. I paid it off right away asking my account to be closed. The incompetent staff at both these organizations made no efforts to help me with the dispute and kept asking for payments only. The result is my CREDIT HISTORY IS DESTROYED!!! I am unable to get credit cards or rent an apartment because of this. And even now they keep reverting you to write letters for this matter at their PO Box which will never get responded back to. Am sure I am not the only one they have scammed this way.

I opened a CD account over two months ago. I noticed the funds had not been taken from my bank account, so I sent them multiple messages over the last month to try to get an answer as to what was going on with this, and I have received ZERO reply from them. Their message system specifically says 'we'll get back to you shortly' when you send them a message, but this is a flat out lie. I am left not knowing if the money is suddenly going to be removed from my bank account months after it should have been, or if I can use the funds for something else. I was expecting to be earning interest this whole time, but I am just left completely hanging by this company.

I have had many issues with this credit card. I originally opened it up to use at Express stores. They change your due date without telling you and send a letter 60 days later. DON'T USE THIS BANK!!!! THEN CHARGE YOU A $30 LATE FEE!!!! DON'T USE THIS BANK!!!!

Comenity regularly, deliberately (it's happened far, far too often to be mere incompetence...), misapplies my payments. By that I mean they apply my payments in ways other than as described in their card-member agreement and/or as I've requested during phone calls with their reps. Over the past almost 6 years I've had to get on the phone with them more than 6 times a year. Here's their trick - they offer very attractive 0% balance transfers with 3% one-time charge for more than 12 months, but rather than applying payments [IMPORTANT! AFTER any excess of the minimum payment. Learned THAT lesson the hard way...] to the balance with the highest APR they'll apply it to the LOWEST APR, which of course benefits them (and is fraud!).

I read about this bank on Bankrate.com with good interest rates for savings and CDs. The process to open a savings was pretty easy but website is clunky by comparison to other online banks. A few weeks later I attempted to open a one year CD using my same checking acct. and it went downhill from there. Before the CD was funded they said they need to do micro deposits from my checking acct (same acct I funded my saving with). What is wrong with these people? After a week no micro deposits...no transfer, no email, no phone no letter nothing. The CD acct disappeared from the website no explanation. I called and no clue why it happened. I asked to close my acct as I can't transfer money from savings. Two days so far and still waiting. Terrible Banking experience. Steer Clear of this so called Bank.

COMENITY does not deserve any star..... Don’t trust that 18 months no interest program, it’s a hook… We're so happy when Overstock offers 18 months no interest when made my purchase of Massage Chair. Received my bill from COMENITY - Overstock.com. Had set up a payment schedule to pay $101.00 every month of my $1,837.95 since the purchase made on Nov 2017. As of May 30, 2019 paid the remaining balance of $120.95 before the statement due date of June 4, 2019. Received the final statement, expecting $0 balance, but $434.83 instead for interest.

They do not post payments or transactions and charge a service fee that is unfair. They sent me the same response over and over about the charge like it's from a computer. I never know what my true balance is. I will never use them again.

Through the computer system I made a payment in full for the payoff balance. Three months later I receive a phone call that I am past due on my bill. They added interest and fees. As a customer, the pay off balance should equal the pay off balance. These scammers just lost me over $17 in interest and $50 in fees. Rip off.

They don't even deserve the 1 star, I would like to give them a negative number. I pay my bills timely online and did not received any notification that 12 month promotion is expiring, and now I am being charged with their high interest rate for the entire amount. I have tried to communicate with their customer service team several times, and they always have the same generic copy and paste answer. They will never get my business again due to lack of transparency and robotic customer service.

I AM PISSED!!!! Sorry, but I am fight texting right now and my explanation may jump everywhere but I hope everyone who reads this will get my point. I have been a loyal customer with NY & CO for 3 years and never missed a payment. I have received 2 credit limits since 2016. As of April 17 2019, I sent a payment (oops used the wrong account) so I immediately paid it without any late fees but later I checked my credit and it says account closed, WHAT! I called customer service. They informed me my account still active and I need to file dispute with credit bureau. Ok! So I did.

I opened an account in March and didn't receive a paper bill until May 10 and already they had started charging a late fee. Since I was out of the country until the end of May (at which time they slapped on another late fee!) I now had a bill for three times the amount of my $20 purchase. I called and immediately paid the amount in full and cancelled the card. Then today, I get a letter recognizing the fact that I closed my account and had a current balance of $68.12!!?? Of course when I call, my balance is $0. Comenity Bank is totally irresponsible when it comes to billing and statements. I always pay my bills on time and this is very frustrating to me. Victoria's Secret, don't ever count on me to get one of your credit cards and I'm not sure I can even bring myself to shopping there again. Please get yourself a different system.

This is what I went through with my Ann Taylor Loft store card, which I hardly used as is. My account was stolen and maxed out. It turns out that in order to use one of these cards in a store, is walk in there with your name and phone number, and pretend they forgot the card. They do not ask for an ID or anything - or at least so I was told when I reported the fraud. That is how seriously Comenity and Ann Taylor take security.

After researching high yield savings accounts and seeing Comenity Direct's High Yield Savings Account 2.48% APY product advertised on a number of financial websites (e.g., Bankrate.com, Financialmentor.com, Magnifymoney.com, etc.) with terms that sound right for me, I apply using their online website application. I input my personal information - name, address, social security number. I come to a page from which I can choose the bank I want to transfer money from to fund my Comenity savings account as you need $100 minimum to open the account, and I select one of my other banks inputting my user ID and password for my other bank account (a nationally known bank) and then after ALL that, I get a screen that says they are unable to approve me for a Comenity Direct high-yield savings account. WHAT?!?

While my overall experience with Comenity has been neutral, the bank has a strange business practice that potential customers should be aware of. When, for whatever reason, the bank suspends the account (questionable transactions, security concerns, etc) the policy of the bank is to NOT alert the account owner or customer (i.e., no text message, no email, no call). The customer only finds out there's a problem when the card is denied by the merchant. This can be embarrassing and certainly not a good customer experience. Repeated attempts to get resolution to this complaint have not been successful. I filed a complaint with BBB where I discovered the bank has the lowest rating "F". Clearly something's wrong with Comenity's management.

Comenity charged me 1900 dollars in deferred interest. I never received a statement, courtesy letter... Absolutely nothing. I called a few months prior to the charge to have my address updated. Of course the manager claims there are no records of me calling requesting paper statement and address updates. I paid my remaining $652 remaining the day I found out which was exactly one month after the charge. I would like to see these criminals see justice. I have excellent credit and always pay my bills. I use Comenity for my Victoria’s Secret card as well. I will be closing that account. They have lost my business and trust.

I successfully opened a savings account but when I tried to add a CD account, I kept getting denied, which is really strange since I have a credit score of 830. Even then, this is a CD and not a credit card so why would you deny a CD account? I called their 800 number but that number is only for the credit card department. They tried to route me to the savings department, but I was routed back to the exact same 800 number. It's like the savings department does not exist! So I tried to email them and contact them online, only to have really slow response, and someone promising me they will call me when they didn't. Something fishy is going on and I might have to pull out all my savings from the account I just opened, and run.

Comenity Bank has a decidedly anti-disabled attitude. They claim they treat all their customers "fairly and equally", which is ableist rhetoric; it's like telling someone that since some people don't need a wheelchair or a hearing aid, nobody should use one at all so it can be "fair and equal". They would rather disabled people drag themselves around on the ground so that things are "fair and equal". These kind of ableist company policies are disgusting.

Will someone please tell me how to get in touch with corporate. I have experienced every single concern. Something has to be done. I'm in fear that if I pay them and close them I could hurt my credit score only to find out yesterday that one my paid accounts had been closed due to inactivity. This Comenity bank can't get away with this, my FICO score has dropped 15 points dealing with this mess. Someone please help and post about so that we can help everyone else.

Tried to open a saving account and was denied. Contacted the bank for an explanation (required by law by the way) and was told they did not have to explain anything at all. No idea how someone can be denied opening a saving account. Opened with Citi the very next day.