Bread Financial Reviews

So I have a credit card with one of their companies and suddenly I get a phone call from them saying I'm overdue on another credit card for another of their companies that I never signed up for. They say they have reported me to the credit bureaus for non-payment of items I never ordered from a credit card account I never opened. I believe it's an inside job, someone from Comenity took my info and opened the account. Trying to get to the bottom of it, they treated me like I was some sort of criminal. Don't go near them, terrible people.

I am so upset about this. I have tried to have this card reinstated as it is the longest running credit card I had. The individual at the bank was an absolute **. He would not listen to me and kept saying "Is there anything else I can do for you today..." No jerk... you have cancelled my card I have had since 2013 for no apparent reason. I made several attempts to make a purchase over the last 2 months but there was always something wrong with the website or they were going to mail me a new card (which I did) however, between them mailing me a new card and me receiving and using it (2 weeks), they cancelled my card for "non activity." Granted I had not used the card in 18 mo but I had made several attempts to do so and the problem was on their end... not mine. Now they have closed the card thus reducing the length of credit on my report and subsequently lowering my score. NOT HAPPY!!!

I would encourage anyone to not ever use Comenity Bank to get a credit card. They reduce your credit limit when they feel like it without cause. Then they close your accounts without cause. I had never been late on a payment, always paid more than more than the minimum payment and they reduced the credit limits on all three of my store credit cards I had with them after I had paid them off. The one card I had kept open with them, with a zero balance, 2 months after I had closed the other 3 accounts they close this account. AGAIN, I HAD NEVER BEEN LATE, PAID MORE THAN THE MINIMUM PAYMENT AND PAID THIS CARD OFF AND HAD A ZERO BALANCE! I will never shop at any of these stores again nor will I ever get a card with Comenity Bank ever again. They are horrible!

I have a Bj's MasterCard thru Comenity Bank and today I went shopping for clothes for my wife's upcoming trip. She got hundreds of dollars worth of clothes and we went to check out and our card was declined... Lucky I had debit card which I used. I called Comenity Bank and asked why my card was declined. They said it was declined because they were in the process of adjusting the account for a payment I just made online earlier. I try another store a 1/2 hour later and still was declined.

I receive one bill from Comenity bank for Forever 21. They was charged my late fee twice. I called. They only removed $17 for late fees. I was then given the total outstanding bill. I paid the bill in full that date. Today, I received a bill with double late fees. A total of $43 was added to the bill. I called them. The person who answered my call was rude. I asked to speak to her supervisor. And asked for her badge number because I was getting nowhere with her. She told me she does not have to give me that information. So I asked her to transfer me to someone that could. She hung up.

Has an account with Pottery Barn and Wayfair. I missed a payment by 7 days, and they reduced my available credit to zero and cancelled my account and card. I had made correct payments and most were early payments. There was no reason to reduce everything. They had just increased my limit within the last 2 weeks prior to this. Bad business. Won’t be using them again.

I have lost my main source of income and fallen behind on my credit card payments. After missing 2 payments, Comenity Bank closed all of my accounts with them. I first learned of the closings from the credit bureaus. Two weeks later I got letters in the mail from Comenity Bank informing me of the closures. One of my accounts have fallen 3 payments behind. I am receiving no less than 8 robocalls per day. I decided to answer one of the calls to speak with someone and explain my situation. I was transferred to my account manager who was very rude and disrespectful using threatening, accusatory, and abusive language.

I had a card with NY & Co since 2017. Made purchases and paid the balances off. They stated they periodically review credit scores and make adjustments to credit limit as needed. On May 8th they reviewed my credit and did nothing to my credit limit. On 4 July, I made a $172.00 purchase, on 12 July I called customer services and paid $100 towards my balance. My remaining balance is $72. My balance was zero for the entire year and as you can see I make payments well before the due date.

This is the worst credit card bank you can ever have. The Bank will get back any offer made by opening and purchasing with the sponsor on your first purchase. My first bad experience was with Ikea Card, I opened and used the credit card on same day (condition for the offered credit bonus); after purchase made they closed my monthly statement NEXT Day. My second experience was with Wayfair Card. My online scheduled payment did not go through, I wasn’t informed by any means and they charged a return payment fee for the exact amount offered to open/use their credit card.

I wish I had known about this company before opening an account through Carson's/Younkers. I was told of all the great benefits I would receive so I signed up knowing I was going to pay off the balance immediately. Carson's then went bankrupt and all benefits were canceled. I tried to pay off the balance through ACH. I thought everything was paid. I was shocked when I received another bill with fees of course. I went online and re-entered my bank info for the ACH. I checked a few times and the account showed paid. I received a letter in the mail advising me that my payment was returned (it never made it to my bank because Comenity cannot set up an ACH payment correctly).

I agree with the many reviews here that say that this company will do ANYTHING to charge additional fees. I paid my bill IN FULL and it reflected a zero balance. Three months later I began getting repeated calls from them for collecting $80+ past due on the account and I at first thought that it was a crank call or a scam and went online to see what was reflected in my account. I could only see the current month so I called and was told that when I had paid in full, I had done so two days after the payment was due, and therefore even though I had seen a zero balance, they had later charged a $35 late fee.

OK-A few months back, I was having trouble financially so I was late with my payment. The CSR at Comenity for Trek Bikes told me to just skip and pay next month, so I did. She said it was "no big deal" and just pay next month and that it would not affect my APR, etc. I asked her if she was sure, and she said it was fine. I took this to heart, and didn't pay. I got a collections call, which really made me angry so angry that I could not even deal with them on that day, so I called a few days later and talked with a csr who informed me that I was going to be charged a fee for being late, however I could avoid the fee if I paid on my account to make it current that day. I told her that I had to call my bank to make sure I could afford to pay the extra added expense. She told me that I had until 11 PM EST to call, but If I did not call back, I would be charged a fee.

I had this account with Bealls for over 2 years and they increase my account limit. Then I used my card and my credit score goes down by 32 points and they lowered my credit limit. And then another 2 months they gave me no credit at all when I had always made my payments on time and even paid more than the monthly limit. I will never use them again and shop at any stores that uses them. This goes for Bealls and Goody's as well as Palais Royal. I will take my business to Kohl's department stores. They treat people like crap. Give them a card and then don't let them use it. INDIAN GIVERS! If you do not want to become victimized do not use this bank!! Comenity has no integrity and shows poor business matters.

I am very disappointed by Wayfair and Comenity Bank services. They are absolutely dishonest and fake people. They provided me torn sofa initially but I agree that they easily accepted to replace it. I made purchase of 1100$ in last year September 2017 and until today, in period of 10 months when I am making all the installments, I still owe them 919$. They know how to make money by being dishonest and fooling around. Neither of them will take responsibility to help you in situation like I had. If you want to make payment, automated voice should help you otherwise you can make payment with bank only after due date which adds equal amount of late fee as of your monthly payment. And you go nowhere. I have closed my account with them. Think or quit before you made your mind!!!

I pay my bill one month in advance. Because of the way I receive my direct deposit. My May 2018 payment fell on a date that was 2 days before their system software closes account statements cycles. Comenity applied my payment to the balance I owed and then charged me a $25.00 late fee. I called and spoke to a customer service agent and was told that their system doesn't recognize that the payment I made was for the following month's payment due because the closing of their statement cycle is the 25th of the month.

On 5/30/18 I found out I had a balance of $36, but it was zero before that for a bit. Due to the hustle and bustle of wedding plans, wedding guests, and all others do details that go into planning a wedding I did not remember this small charge. They emailed me and I promptly went online to pay but by accident sent it to Comenity hot topic account. It was my fault. I made an honest mistake and then forgot to resend $$ to correct Orbitz Visa account. I called them and they said they will credit me the late charge which ended up only half of the fee! They also said nothing would be due till July. Well yesterday I went to pay for balance of honeymoon and found my CC account frozen and limit was lowered to $750 from $3000. They then said the freeze couldn’t be lifted for a month. For a lousy $87 balance.

I also researched that by LAW they have to tell you 45 days ahead of time before they change anything.

If I could give it zero I would. I never received my card. By the time I realized and called asking about my card I had received interest and late fee charges. My $30 purchase was now over $120. When I contacted them they offered to resend my card but would not wave the fees. Needless to say I cancelled the card and had to pay an extra 90.00 in fees on a card I never actually received. Besides this shady disregard for customers - Cards hold a very high interest rate, easy to obtain. So tempting but STAY AWAY if you are someone that carries a balance month to month.

Recently I just received notification my Big Lots credit card as well as my Modell's credit card has had the credit limits decreased. When I called them they told me I would receive a letter in the mail and it said that my limit was decreased based on my credit score dropping significantly to 589 on May 18th of this year. I in order to see if it was the truth I check my credit score but my other credit cards and they were absolutely wrong. I do not understand where they got this incorrect information when I was just approved credit card by Chase Bank. I checked my credit score on multiple places and my score was not even where they said it was. It was much much higher now. They want me to prove it and write them a letter. They say I cannot speak with anyone at risk management at Comenity. I am gathering the information and sending what they asked.

This place is a joke. I have several cards with them. I have NEVER missed a payment, they kept raising my limit, only to drop it stating my utilization was too high. So lowering my credit limit will help that how??? It will hurt my credit. No one there will help or explain. Now I get letters that the cards that have zero balance are being canceled??? This place is shady and I plan to fight this.

I had a payment due for April that I paid on 4/19/2018. The May's payment (all payments are the same amount each month) I made another payment on 5/4/2018 for May statement. They put both payments in under April's billing statement and cut off my credit and doubled my payment saying I did not pay for May's bills. We have had words and email and nothing was settled. I am on disability and cannot afford extra payments which they expect $231 due in 5 days. NEVER DO BUSINESS WITH THE COMPANY.

If you don't have a card with this bank. Never get one. They play gamble with your credit. If your score drops for whatever reason, they drop the available credit on your accounts thus damaging your credit even further. I have had about 5 of their cards for over a year and it is a gamble. They drop the limit on your cards especially the ones that you are using to make it seem as if you have 100% or overutilization and the cards that you're not using, they close them so that they can damage your credit even further.

I received an email this morning for the first time EVER telling me my statement was ready to be viewed. I was confused because I haven't used this card since April (which was the first time in about a year that I used it). I checked my account and saw that I had paid my bill in FULL in May (or so I thought). Apparently I was charged a late fee but it wasn't yet added to my account. So, I now have TWO late fees to my account, that I was not made aware of until TODAY. The representative told me I have been mailed and emailed three statements since April. I have not received anything except for the May billing statement that I used to make my payment and the email this morning. I will be canceling my card, because I am not going to continue paying late fees for something I don't even use. I will NOT recommend this bank to anyone.

Have had a credit card with Total Rewards for about 5 years. Comenity Bank is the bank in which the payments go to for said credit card. I take pride in making my payments on time and having an 800+ credit score, or I did. On May 1st I made an electronic payment to Comenity for my cc bill, which was due on the 3rd. Checked my checking account, saw that the payment was made. Checked my cc online statement to see what my balance had come down to and noticed that it still said that there was a payment due. Called Comenity and they said they never received my payment. Called my bank and told them, they said they would look into it. The following day I received 3 emails from my bank, the 1st was to tell me they closed the investigation, the 2nd stated that Comenity returned my payment and the 3rd was to tell me that the payment would be redeposited into my checking account.

I have a few store accounts with Comenity. Most of them are at a zero balance. I have had a rough patch the last few months with some personal problems that caused my credit to decrease. I never went over my limit nor did I miss a payment with any of my cards in the year or two that I have had them. Yet, somehow (they say because they check my credit every 30 days and they do this because they need to protect their investment) my credit limits were decreased from 650 to 250 and 250-100. Now, cards that were less than 1/4 used are maxed out and my credit dipped even more! They told me it would continue to do so until they feel that I have become creditworthy again. My problem here is I never missed a payment with them. Not one.

I have a CC with Torrid and I have always paid on time until this month. All of a sudden I go to purchase online and it says they lowered my CC to $100.00!!! Why even bother and for what? This is crazy and a disgrace. You best believe I will cancel my card now, they don't deserve my business.

I opened a Home and Garden Showplace Discover card through Alsip Nursery when I bought my patio furniture being told there was 6 months interest free if paid in full. Well I sent a big chunk of money the first month (9/2017). It was sent by e-check through my bank. I sent a payment in 10/2017 that went by electronic debit and I have proof that it cleared my account and was sent to my account number with the company. They are claiming they never received it. However they received my 11/17, 12/17 and two payments in January. It has been over 8 months now of me disputing and sending proof of the funds making it to them. They keep telling me they never received the money and that I would have to send a copy of the check to prove it. Well it went electronically and I provided the electronically transmittal form that shows all of the transaction details and everything and they still continue to deny my dispute.

Comenity Card for Victoria’s Secret - My credit limit was decreased to 200 with no notice or reason provided. I called customer service, the rep was confused as he could see I had no missed payments which is typically what makes them decrease your credit limit. I was told I should receive a letter in the mail, I checked the mail while on hold and found a letter from them which states my credit limit will remain at 370. I asked the rep how are they showing a credit limit lower that’s in the letter they themselves told me to watch out for. I was told I have to write and mail a letter, no one there can answer that. Right because writing and mailing a letter and having to wait to receive a response is so convenient while they just dumped your credit score. So frustrating, will be reporting to the BBB.

Earlier this year, I hit a financial rough spot and could not pay my creditors for a few months. I expected the collection calls that came in multiple times a day. When I was ready to get my feet back under me, I tried to make arrangements through the Website since I'm hard of hearing, but my needs were ignored and I was given a phone number to call. When I called Comenity's inappropriately named Customer Care, I was told I would need to pay an amount that would be impossible for me to manage to get me up to date. Really, if I had that kind of money lying around, I wouldn't have fallen behind in my bills.

I have had two cards from two different retailers from this bank. In late 2017 I paid off one of them only to receive a statement two months later with a mysterious fee plus a late fee since that other fee hadn't been paid. I called explained the issue immediately I was told it was an error and they would get it corrected. It took two months and two more phone calls to get it cleared up. I am still waiting for the letter stating the account is paid in full. In Jan 2018 I called in to verify the balance of the second account to pay it in full, I specifically asked if there were any fees and was told no just pay the balance given. So I logged in to the website and paid the amount given which was the amount on the system, again two month later I start getting statements with late fees on them.

I bought some furniture from Z Gallerie in January 2018 and opened Comenity Z Gallerie credit card because of so called deferred interest 12 month promotion. I noticed that I was getting charged 26.99 % interest despite this so called promotion. I believe someone made a mistake at the time of signing up at the Z Gallerie store and didn't get me on the promotion. Despite my calls to Comenity, Z Gallerie refused to honor this so called promotion and I believe this is deceptive practice and misleading promotion. I'll never buy any furniture from Z Gallerie again.

I have had nothing but issues with this company since I opened my account. I am the first one to admit that I’ve overused it, but they do not give payment reminder emails, do not allow auto pay, etc. When I’ve been a little late (within days) they jack up what I minimally owe from 20$ to between 60-90$. When they call you about payments, I have not been asked if I need help with debt or anything, they just resort to calling from restricted number. I mainly have forgotten payments because they will NOT REMIND YOU like most companies would. I would absolutely AVOID at all costs!!

Earlier this year I had a balance transfer issue where the other credit card never posted the transfer. Each day I'd get a response from Comenity that would dispute the one the previous day. I'd get one email or letter saying that it was never cashed. Next day I'd be told it was cashed. I'd ask for the check and they then would say it was never cashed.

Last summer, I opened an account at Ann Taylor. I was told at the time that I would have no difficulties paying my account online. I repeated asked the question and, asked them to verify with the credit department as I am Canadian and do not have an account at a US bank. I was assured that I would be able to pay my account online from my Canadian bank. This is NOT the case!!! I tried to pay my account immediately in the store and was told I couldn't - as I am Canadian. This should have been my first clue that this was a bad idea. Anyway, I got home. I got my bill a while later in the mail. I mailed them a cheque. The cheque apparently did not get there before the due date so, I was charged a late fee of $31 (I believe). I didn't realize this though as my statements take a LONG time to get to me.

I would rate this bank at zero if I could. I made a payment that Comenity-Meijer said it never received. Ok, I understand mistakes happen but... they feel they don’t make mistakes, even when you have a statement from your bank proving transfer of funds. They keep asking me for a copy of the bank check and the bank says Comenity has it because they electronically sent the transaction. My bank has nothing more they can give me and Comenity says it’s not enough. Someone has my money and from the documentation I presented and what others have said I wonder if they have ever looked at their employees... Anyone ever open a class action against them?

This bank will never give you the phone extension or direct phone line or email address so that if you have a complaint record it as otherwise they will ensure you need to retell in detail each and every time you call trying to resolve whatever issue you may have with them. They are specially trained to drive you insane with the same EXACT MO as Zales and Signet Jewelers where you are essentially not ever EVER able to contact the same employee and even if you are tenacious as I am and manage to secure an employee number from them? Any future time one calls and requested to be connected to William employee # ** or Dianne employee # ** or Heather employee # ** or Davian who can’t remember her # you are destined to be drained and exhausted by the process 100% and with as many phone calls as I made to both Zales and Signet and Comenity Bank I can assure you they are all on the same path designed to destruct your very being.

Let my pain and loss keep you from same. Avoid at all costs this company. There is no auto pay and so you will get hit with 29 percent plus fees when you are one day late…with balance transfers they are not using the fed wire system of the last 25 years yet. They use the snail mail system. This means any checks lost are your responsibility and you pay the fees and interest... on money you never received, plus if you do not make your minimum payment on this money you never got... you get 29 percent for life and fees. They are in the dark ages. Avoid at all costs.

I paid the FULL balance displayed on my online bill. Two days after I paid the POSTED FULL BALANCE Comenity Bank adds charges and since I paid my bill IN FULL I didn’t know to check my account for changes this “bank” added to my account. Comenity Bank rep called since my payment was late (it was only the bank charges due) but the rep refused to let me speak to a supervisor to seek resolve so I closed my account. My bill is now $131.00 ACCRUING FINES ONLY AND THIS IS AFTER I PAID MY POSTED BALANCE IN FULL!!

So I open a Hot Topic credit card account for my daughter. Initially they give me a $250 credit limit. I charge around $130 on her due to school clothes and small things like the pop figurines. I very quickly figure out just how ridiculous it is to make a payment on my card. It’s literally impossible because they don’t make it easy. You basically have to mail a check. Or try to use the app which never worked for me either. So because it’s so impossible to make a payment you have to call in. And that takes forever. So difficulty to make a payment is one major reason to stay away from this creditor. And here’s even more. After opening the account with a $250 limit they took it upon themselves to increase the limit. So since it actually helped my score a little bit I thought well ok. But then yesterday I received a letter in the mail that because my credit score had dropped a few points they were reducing the card limit to a $100 limit.

I carry Debt Cancellation Coverage on my credit accounts to cover my balance in case of a medical emergency. I experienced a medical emergency and attempted to file a Debt Cancellation claim only to find out that Comenity Bank had cancelled my coverage with the third party vendor without notifying me. Therefore, I had no coverage when the medical event took place. Conversations with Comenity Bank customer service representatives resulted in their agents yelling at me that Comenity could not cancel the coverage and later that they had every right to cancel the coverage. Needless to say, Comenity Bank has put me in a horrible position that will have long-term negative repercussions on my credit.

I got this card from Victoria's Secret, I schedule a payment for April 17. That payment NEVER credited to my account, even I got an email confirmed about it. My sister used it, she have no problem with it. When I use it, I can’t even pay online by a debit card! This is one of the worst credit card company I had ever use.

I've never seen such a terrible website. I'd heard from others what a PIA it is; I should have listened. AllModern and Wayfair should be embarrassed to use this company. Getting onto the Comenity website is unusually difficult, and I've already made one payment that doesn't show as being made (although Comenity did somehow manage to keep my bank account info, which has to be entered before you can make a payment). LOUSY website. I'll be paying off this account ASAP to get away from Comenity, and it certainly changes my mind about shopping easily with AllModern or Wayfair.

Spoke with a live person who said my balance was $386 so I paid in full over the phone and cancelled the card. Told them it was because they were bloodsuckers. Now I get a bill with a late fee and interest $45.88. These people need to be prosecuted. MY SUGGESTION... DON'T DO BUSINESS WITH ANY RETAILER THAT DEALS WITH COMENITY BANK! Contact the attorney general's office and consumer affairs!!!

I started out with straightening my credit out with a secured Discover card. Applied for VS, got approved for $350, they increased it to $450 within 3 months. I now have a HSN with $400, Fingerhut with $600 along with a Mastercard of $1000. These have really helped me get back on track. All you have to do is pay on time. I pay way before my due date because some banks dont release funds quick enough to show a payment. But overall, nothing bad at all.

Absolute worst business ever. Very fee driven and highly unethical practices. Customer service is rude and incompetent. WHEN (not if) you have a problem, your problem will be handled by an incompetent rude employee that obviously hates their job. Take your business elsewhere, trust me and AVOID AT ALL COSTS.

STAY AWAY Comenity Bank, because it is the WORST financial institution ever! Stores "promise" that you will have 6 or 12 months "same as cash" if you get their store card, when nothing could be further from the truth! Either the stores haven't researched Comenity Bank enough... or they don't care! Some of the stores that are backed by them are: JTV, Big Lots, David's Bridal, Pier 1, Victoria's Secret, Ann Taylor, Meijer, Abercrombie & Fitch, Crate & Barrel, DSW, Eddie Bauer, Game Stop, Gardner-White Furniture, HSN, Lane Bryant, Marathon, NY & C, Pottery Barn, Value City, Wayfair, Zales, and many more!!! BEWARE!!! Comenity charges fees on top of fees, and no matter HOW much you pay, they will make it EXTREMELY difficult to get the account paid off!

Payments after 8pm are late? Ummm according to what time zone? I have no other credit card or bill that requires me to pay it by 8 p.m., this is unheard of! Don't be fooled. They do this only to charge you a late fee. What CC do you know of that doesn't allow you to set up automated monthly payments? Well the answer is only a piece of crap company who preys on people and DOESN’T WANT THEM TO PAY ON TIME so they can charge another late fee...this is their biggest income source!! I just can't wrap my head around why these companies (Ulta, Vic Secret, HSN, etc) choose the worst CC co. out there? Why would they want any affiliation with scum-of-the-earth?? Really it says a lot about them and how they truly feel about their customers...guess they just don't care. Real customer service doesn't exist with these companies. It comes down to Dollars and that's all that matters to them.

Purchased 2 items from Overstock for a total of $45.82 on May 16, 2017. I sent the requested payment of $38.00 on 08/25/2017 instructing payment to be made on 09/02/2017. Hurricane Harvey hit within 48 hours later. Payment did not go through, so I called and explained that I had been displaced by the hurricane which hit my city and home in Houston and would send the requested $70.82. Payment was sent and received by Comenity on 09/11/2017. Several months later I reviewed my Credit and saw that Comenity had reported the payment as being late. Other creditors such as Walmart, First Progress, Care Credit, and Fingerhut were very understanding and actually waived fees for a month after the disaster. Comenity Capital Bank may have had the legal right to report the payment as being late, but their antipathy and cold indifference to the plight of those devastated by a natural disaster is unconscionable.

I have a card with Comenity Bank for Victoria's Secret. My account balance is $0 (I have checked several times to verify this recently) but I am getting calls at all hours of the day, every day of the week (twice Sunday morning!!!) about an "urgent matter that has been escalated". I get these vague names (Mr. **, Ms. **) and long extensions to call back about this "urgent matter". I have written down their information from these messages. Also, they don't even have the correct first name for me! It's harassment plain and simple. I am cancelling my credit card because of this and I am lodging complaints with every agency I can. They are a terrible company. Not sure if this is a scam or what, but receiving long rude voicemails is not pleasant. This company and these people should be ashamed of themselves!

I have had a Boscov's card for about 2 years now or so. Recently I have been having problems with making payments as I have not been working. I have been making what I can afford and in communication with Comenity Bank to advise. Recently I checked my account and they just lowered my credit limit without even telling me which I never heard of. Kohl's don't do that and works with you regardless. I made my payments and have $68.00 available credit. My card was declined in the store Saturday and did not know why.

First off I have been a loyal Comenity Bank credit card holder for 3 years. I hold several department store cards with them and all of a sudden after I pay them down or completely off they wanna lower my limits on 2 cards which I never ever heard of. How do you lower someone’s limit because of their credit score? If I'm in good standing with you why would you care what my score is? Well I closed my GameStop card and will be closing my Victoria’s Secret, Express, and Boston store cards next. This is ridiculous. I never had a problem with this bank until now.

I sent payment on 2 separate credit card bills - Ann Taylor MC & Loft store card. These payments were sent 12 days ago and still haven't been credited to my accounts. When I called Comenity I also discovered that someone made a typo on my SS number. I was transferred numerous times and no one will fix my SS number. I made a second payment on my accounts (one of which was paid in full with the payment I mailed) and the customer service reps were absolutely horrible to deal with. They were rude, talk over you, don't listen to anything and do not help solve the issue at all. They want me to send them a copy of my SS card and license in the mail. I got these cards with my SS number, they made a mistake and they refuse to fix it. I cancelled both cards and will never deal with this bank again.

I've had a Torrid card for 1 1/2 years. I was a Platinum member. I checked my acct & it said no payment due. I checked it again & it said it was past due & they charged me a late fee of $38. I paid this amount. A few days later I discovered I had lost my card. I called to have new cards sent. I get an update from Credit Karma saying that the creditor closed my account. I called customer service & they told me that Comenity system automatically closed my account because I had a recent late payment & requested a new card. That's absolutely nuts. Had I known that I would've never ordered new cards. Way to drop the ball big time customer service. It's crazy that Comenity has no loyalty to their customers. I have more Comenity cards. My husband & I will not be supporting them & giving them our money anymore. They blew it big time!!!

Through August 2017 I used my Visa card, received eStatements and paid my bill(s) on time. I received a phone call today regarding a past due amount. I NEVER pay my bills late. I DID NOT receive any statement of accounts since August 2017. Without a statement I would not have remembered I made one charge. I was told by a representative that several attempts to call me were unsuccessful. I always respond to voicemails, but I never received one voicemail from your company. I was told voicemails were not left on these type of calls. Really???

When I applied for this card at Victoria's Secret -- simply to take advantage of the special promo sales and discount at that time -- I didn't know that they used Comenity "bank," which isn't even an accredited bank; it's a credit agency. Which means their goal is to make money off you not paying off your balance so they can make money by charging interest and late fees.

I placed the order on February 5th. I had the money in my account so February 5th they told me it was denied. I'm thinking I'm getting my package so on February 16th I place the order again. It says that, "Your order has been processed" then I get another email stating, "Unfortunately we cannot process your order" so I called this morning to ask why my order was not process and I had the money there. She said, "Oh you were behind two payments" as I've been with you almost 2 years and I'm behind to pay I have the money in there so then she tells me, "Oh well you can use your card February 21st." I needed it by February 22nd and the representative that I spoke to she was just so rude like, "Oh well. Like I said you can place your order tomorrow."

Sorry this is so long, There isn't much more to say other than what has already been written. Got my WITHIN statement owing for Jan. Tried posting payment all through Jan and the system wouldn't allow me to. Every day I went in to post their online system would tell me "you do not have a payment due at this time". Finally made a phone a call after getting a useless rude message center response. Guy on the phone was kind but tells me, "I see here you do not have a payment due til Feb." Hmmm...okay I guess. Weird. WELL Feb comes & voila their payment system allows me to finally post payment. And wouldn't you know it, payment doesn't post. Ugh OK...back to the drawing board. No contact from Comenity AT ALL via paperless or other stating this had happened. Whats going on? Do some digging, check my profile and notice my banking information has an error. Hmm, Okay let me make sure my information is correct. Yea all is accurate.

I just got off the phone with a lady who was very rude. Let me backtrack for a moment, I talked with a man last week who told me to call back as soon as I got my taxes and then I would pay my card off completely (he knew of my situation because I've dealt with him before). He told me he made note of it. Well I kept getting harassing calls all day long even on the weekends, while in class and at work. I spoke with another woman a day after him and she told me it was noted but she said she noted it and said everything was fine. Well I guess not.

You see a lot of people giving them 1 or 2 stars, I myself have a lot of Comenity Bank cards, and 2 yrs ago my score was 513 and out of all the banks they gave me chance and since then I always paid good and now my score is 700. If it wasn't for them giving me a chance I prob be still stuck trying to improve my score. Now I have 2 Amex and Discover, Amazon and Wal-Mart and many others, so thank you Comenity for giving chances when many said no.

I paid off my Lane Bryant account in October. Despite this, there were a few applied to my account. I called in November and they said it was an error and they would remove the fees. We are now into February and I just got another statement today. Another late fee on top of all the late fees they have failed to remove. When I call, I always get the name of the person I spoke with. I am so sick of this.

Comenity is probably the only bank that doesn't allow auto-pay. If you forgot to set up an online payment for the purchase, you get hit with a $27 finance fee. They totally suck. I am canceling my Crate & Barrel card. They aren't worth the trouble.

My chronically ill 76 year old mother had an account with Comenity to pay for her dentures. In January of last year (2017) she became very ill & was in and out of the hospital for months and then on hospice. I continued to pay her bills - not one late payment, ever. July 14, 2017 her dentures were finally complete. July 28th she went into a coma, and passed away August 12, 2017. As the executor of her estate, I notified every company that she owed money to and either paid, put on a payment schedule, negotiated the bills down, or had the bills discharged completely.

I forgot to pay and was charged a late fee. Fair enough. I paid off the balance and decided not to use the account anymore since it was really only for convenience sake. I went on the site to shop one day and saw that I had another charge. They had added a $2 minimum charge -- if you don't have a balance THEY CHARGE YOU! And when you don't pay since you foolishly think you don't have a balance, they charge you a $22 late fee! How's THAT for a brilliant scam!! I emailed to cancel the account immediately. I got an email back from Comenity Bank that agreed the account was canceled that day and I owed $22. I paid the $22.

Have tried to pay on my card. They will not accept a debit card from PayPal. PayPal is a debit card. I've been very frustrated at this point because now they want to rack on interests from my balance that I owe. All I want to do is pay the thing off and be done with it. When I was offered the card no one told me that they had certain ways that you could only pay. I pay my other bills using the same card but I can't pay using my card with them. Bunch of crock to me. Do not get this card.

I had a Victoria’s Secret credit card. Comenity is the finance company that issues the card. I received a bill for a late charge for fraud protection on my account which I did not ask for but was charged for it anyway. I contacted Comenity and was told that that was provided through an outside agency and I had to contact them. I did this and they credited my account for the fee but I was still expected to pay the late charge for a service that I did not consent to. This was even after the outside agency credited my account for their fee yet Comenity Still said I had to pay the late fee. I never consented or asked for this service but I charged for it anyway and when I didn’t pay it I was charged a late fee. I never ordered any merchandise or went into the store to purchase any items. This late fee was solely based on a mistake made by someone at Comenity and I got left holding the bag and when I didn’t pay Comenity continued to access late fees. My account was paid off until this debacle happened. Now to top it all off my account is sold to an credit agency which they are asking for almost $500 for someone else’s mistake.

A bank that supports 163 retailers by giving credit card option to customers doesn't have an "AUTOPAY" option in their payment method. I am a 10 yr veteran of Express clothing for men. I not only shop at Express regularly but uses an Express credit card. Unfortunately; I don't pay attention to my PDF statements, and all my credit cards are on "Auto Pay". But this credit card company doesn't offer "AUTOPAY". You can't even set up payment below 30 days. I mean; that's what Wells Fargo did and charges million of $$ to people; and this bank clearly following other banks scamming customers. Will close this account ASAP; and will create awareness in people shopping at Express.

Your OFX downloads are not correct. They are showing all transactions as purchases. So when I make a payment it downloads as a purchase for that amount. This is playing havoc with my MSMONEY software. Can you please fix your OFX downloads to conform to the published standards for OFX downloads?

I have a Bealls Outlet credit card with them and I made payments thru my bank to them and never got credit. I have overpaid them on this account and have been trying to get this straightened out for about 10 months and it is not resolved yet!! They continue to call and harass me about it being past due and it is on my credit report. I would not recommend this bank to anyone! I have send them bank statements showing the payments that were made and they still call!!

If your payment is not received by 8:00 PM Eastern on the due date, your payment does not apply until the next day, and they hit you with a late payment fee. Every other credit card company gives you until 11:59:59 on the due date before it is considered late.

HSN shopping Network outsources Comenity for their monthly billing. The first year it was ok and then disaster. I noticed my monthly payments were not being credited properly. I have made numerous frustrating phone calls to them for help and it is obvious they are completely clueless and treat the customer with complete disrespect. I have filed a complaints to have them investigated.

I had a Children's Place credit card, $250 always paying my fees up in full in less than 30 days. I used it in October for a $5 purchase, I made this purchase late at night but I forgot to pay within 30 days. I get other promo emails from Children's Place but never got my statement. Next time I had to use my card in December. I was over 30 days late. They claim they sent my statement. They never did. I closed the account. Worst experience ever. I will cancel all their cards, I can see other reviews so am not surprised.

Women Within has a pop up approved credit card at the check out that states you get a 10.00 reward. What they do not say is it's NOT on the order you accepted it on. The ONLY reason I accepted was for the discount. I'm furious at both WW and Comenity. It's bait and switch, sneaky and illegal. I did not place my order. Called both companies whom kept switching me back and forth. No one took responsibility for this obvious bait and switch! I'm most disturbed how it'll look on my credit report that I opened an account then closed it. I'm closing the rest of my Comenity accounts. CS does not exist!

I keep getting e-mails regarding application for credit card accounts for Lane Bryant and Crate and Barrel from this bank. When I call to inquire and notify them that I have not applied for an account. They tell me that there is no account using my name or e-mail address. I have been hesitant to give my SSN. I'm concerned that someone may be using my information to open a fraudulent account or this may be a way to get my SSN to use.

No customer relations at all! Worst experience ever speaking to a company. Unfortunately, they are the representing bank for many top selling stores. I will never use any credit card associated with this bank ever again. I completely agree with another negative review about this bank in that they employ predatory practices. This is not a fair or professional practice as many customers do not deserve such treatment which was the case in my situation. It is very sad for the businesses that they represent as they do not have a rational mindset. I made a Pier 1 purchase with my credit card and paid the balance in full when I received the statement. I paid online and I must have just missed the cut off and it was posted the following day after the due date.

I opened an account with LOFT store that uses Comenity Bank for their credit card. I had a $250 charge on the card and paid it off a day late and closed the account and was told all was settled. I received a bill for $27 a month later saying there was a late fee being assessed on this account. When I got around to calling them, they said they had assess another $27 late fee on the late fee even though the account was closed and the balance paid. They call this a cascading late fee.

"We are canceling the 2 cards we just issued you because an internal audit found your account to be high risk." I have news for this ** bank and its ** president Ron Olster. My credit score is over 800. I own 2 homes, one free and clear. My credit utilization score is under 5%, & I have never missed a payment. After reading all of the negative reviews on this site, I think you did me a favor Comenity. No wonder the word on the street is that this ** company will be bankrupt by the end of Q1 18! So glad not to being doing business with these **.

I signed up for Victoria Secret Credit card which is Comenity Bank, the bank told me they do have auto withdrawals, explained what I needed to do, I did that. So I did not make a physical payment, got any email saying, "Thank you for payment." Found out they did not offer auto withdrawals so my payment was late and of course late fee. They had already removed a late fee because I signed up in July but did not get card or statement until late September so since it was on them they credited my account.

Apparently, my first payment which was last month, was a day late and it only went toward a late fee and not toward the original balance at all, unbeknownst to me. I am late again, however. I want to pay off the balance, but don't want another sneaky late fee attached to my balance later on that isn't showing up now. I get the feeling that this credit card company is involved in unethical business practices, however legal, and such practices further make me suspicious of credit card companies and of the Boscov's organization itself.

If there was a negative 1000 that is what I would rate it... like everyone on here. I had an Ulta card issued thru Comenity (which by the way is not even accredited) so maybe that is why they don't want to give you money back on things you did not order. I filed a complaint back in early August of over 188.** for 3 different face creams... I received my 5th card from Ulta (that is how many problems I have had with fraud) and I never even activated it. The next thing I received was a check for 45.** with a notation to not pay any bill as I had a zero balance.

Back in June of 2016, I was charged for something that I never agreed to from Overstock, which uses Comenity Bank as the credit card. The last time I actually used the credit card was back in November of 2016. Because of this, it never occurred to me that I need to look at my statements, being that I had not made any purchases. So I was charged 19.95 and then the late fees began stacking up. I happened to notice it in September when I saw on email regarding my account being overdue.

Diamonds International sold me a very inferior blue diamond (3 high pressure sales people) moments before having to get back to our cruise ship in St. Thomas on May 2. I was told I could return in 30 days for refund but it was a lie. I sent ring back May 29 after receiving approval from DI's corporate office only to be told I could only have credit NO REFUND. I reordered jewelry from DI's online store only to get more crappy jewelry! In order to send jewelry back to DI again, they made me sign an agreement.

I bought a HP computer All in one, I didn't use it for few months and 3 months later I went to use it and Blue screen. All because I forgot the password. I immediately called HSN and told them. They would not honor the warranty or tech support they offered. Comenity told me to call Asurion, Asurion told me to call HP, HP told me to call Asurion. All the time I was calling Comenity trying to dispute, and every payment was late, like everyone else's on here. I finally got them to dispute the item at which time I called. Made a payment Sept 5 and now they are reporting late payment on my credit report for Sept, they are saying I paid HSN, who do I pay. I called the number that was on the credit card bill. I disputed on my credit and they said I was 30 days late, this was time during the dispute on defective merchandise.

This bank has for the second time truly disappointed me in every way possible. They have the nerve to close my case on a dispute of charges of dental work that was never even initiated. According to the supervisor named Lacey ** with no last name, they open accounts through Lending Club Patient Solutions for people and charge thousands of dollars in work that has not been yet done. It is ridiculous that I have to continue to pay another $4,000 of work I'll never even get done just to save my credit. If I could choose 0 stars I would.

I walked into Torrid and was so happy they have one here in my new neighborhood. They offered me a 40% off if I apply for the credit card plus a $20 off coupon that I had. Too good to be true. This credit card company charges a late fee even if you are not late. They are very sneaky and you must watch your statements as they come in. I received my very first statement days after my first payment was due. I was charged a late fee for that as well. I have been charged a late fee every month since even if the payment is on time. I have NOT used the card again and I already shredded it. I will pay it off all at once and I will never get a credit card from this company again. They are sneaky just to get you to pay for a late fee. Forget trying to reach them, they are very rude. I only spoke once to a young gentleman who was nice but I still could not get anything resolved. I am also reporting this to the Better Business Bureau.

Impossible to interact with this company. We closed our acct due to wrongful charges and lack of credits for returned items. We were improperly changed from paper bills to electronic bills. Even after closing the acct, charged us for 'in process' items and multiple late charges... $20 bill turned into $61 in one month. Called service center, talked to two 'customer service' agent plus finally a 'supervisor', all of whom asked me for ssn, full address, full name and phone number. The 'supervisor' Tyrone (who would not give last name) hung up on us. Called Salt Lake City Comenity Bank and finally was able to close the acct. DO NOT DEAL WITH THESE CONNIVING FOOLS.

I got a Loft card and signed up for the paperless statements. They never came. And also I had completely forgotten about the card. I made a store purchase recently and was about to pay off the bill. However, when I tried to sign in for the credit card, it did not work with the email address I had signed up with. I had to create a new sign in to get to my statement. I was shocked to see a huge late fee. Sure, it's my fault not paying the bills, but I did not receive any statements or bills form the bank so I have forgotten about my previous purchase. When I called the bank to inquire about it the bank person (Carl) was very rude to me. He just kept saying that they had sent the bill to the email address provided. Nope. Nothing came from Comenity Bank. I even checked the junk mail. Nothing. Carl said he would forgive one of the late fees if I made the payment right there and he was going to do that from his end! Wow.

I had a Gander Mountain credit card that is through Comenity. The card was unusable since May of 2017. Back in September I borrowed from my 401K to pay off all my credit cards. I ask what I needed to do to pay off the GM card. I made an arrangement with them, but did not realize the payment date was one day past the minimum due date, causing a late fee and generating more down the road after I thought I was done with them. Their argument was I should have known I was paying it off one day after the due date, and the Comenity person I spoke with was not aware and thus I should have known.

I was shopping online at Victoria Secret which I shop a lot at & it says you have been pre approved for a VS card for $300. So I got the card as I'm trying to improve my credit score. I've had the card 2 months. Charged $250 & am late not even a week & they cancelled my card & I was alerted by Credit Karma. Same thing happened with Express. I was online shopping & it said I was pre approved for an Express Next card for $500. Not even a week late & they cancel my account. Again not notified by them but by Credit Karma.

I recently had the displeasure of getting a late fee because I thought I paid bill in full and for 2 months they did nothing but charge me and on a account where in Sept I was to be reimbursed. They credit me 10 31 17 which confused their system and when I went to pay they said no payment due meanwhile a few days later I'm late. I have never missed a payment in 4 years ever and it's affected my credit.

I have a credit card with Comenity Bank for New York and company store. For the past few years I have always paid my bill on time. I paid my bill late by a few days this month which makes me current now and they tell me I cannot purchase anything until after the next billing cycle which is 30 days from now. What a bunch of crap. Have never had anything like this happen with any other card. I will pay my total balance off and close this account permanently. The worst card I have ever had.

I have a Lane Bryant card through Comenity, and recently fell behind on ONE payment. Well, last Friday they called me from an unknown number every hour on the hour beginning at 8:30 in the morning and did not leave a message. I answered the last call and was obviously agitated because they had been calling me hourly. I explained that I knew I missed one payment because I had checked my account regularly. I told them that their tactic of calling hourly from unknown numbers and not leaving a message was not acceptable, because I didn’t know who it was or what it was in reference to and that there was absolutely no reason to call someone every hour on the hour, and work and have a 2-year-old and it is infuriating.

GameStop credit card - I only bought about $65 in video games but paid over $200 in various fees and charges. Their website NEVER WORKED properly from the day I signed up. I finally made payment in full a SECOND TIME and closed the account... Then they had the gall to try to add additional charges and send me a bill... I want negative overdue payment reports erased. They were mainly due to their website being unable to show me details about my account and/or accept payments. They also need to erase their latest attempt to add charges to a CLOSED ACCOUNT with a ZERO BALANCE. I also consider all of their charges other than the one PURCHASE I actually placed shortly after opening account as fraudulent since their website was so poor that I was never able to successfully use it since the date the account was opened.

I recently got married and missed 1 or 2 payments prior to the wedding (they are expensive). I made a payment after the wedding, paying off almost 90% of my total balance. I went to use the card at a department store and it declined. My account showed the payment was received and applied to my account. When calling the credit card company they told me I was out of luck for the next 30 days. I have spent thousands with them and looked to spend more. And in return I got an, "Oh well". NEVER OPEN AN ACCOUNT WITH COMENITY BANK. No matter how loyal, or how much money you spend... miss 2 payments and they block you. No guide was made, no proactive approach was taken. Over 15 years in customer service and I have never said, "Oh well" to a loyal customer. My account will be paid off and they will never receive another dime from me.

I was gone for a couple of weeks. Returned late on Oct 7, 2017 and saw bill from J. Jill which was due on Oct. 19, 2017. Wrote check for full amount and mailed next morning on Oct. 8, 2017 which was a Sunday. I went into the Post Office as I always do to mail the bill. I was surprised to receive another bill from them on Oct 31 for $29 claiming that my payment was late and the $29 was late fees. They posted the payment that was due on Oct 19 on Oct 20. I suspect that they purposely posted the payment one day late so they could collect late fees. There were nearly 2 full business weeks from time check mailed to time it was due. I am calling and writing them and will not pay the fraudulent charges. I will NEVER use the CARD AGAIN and I RECOMMEND NOT SIGNING UP for ANY CREDIT CARDS that GO THROUGH COMENITY BANK. They are THIEVES.

This bank appeared as an open credit card on my credit report. Although I purchased something from Overstock.com around the same timeframe, it was paid for on an existing Chase account. I never initiated nor received a card with them. It's been nothing less than jumping through hoops to try to get it closed. According to Experian dispute dept, the company does not have a phone number, email, or even mailing address -- just a P.O. Box.

I currently hold 3 accounts with Comenity bank and for the most part I am satisfied with their service. However, one thing that I continue to find frustrating is their policy that more than two pending PAYMENTS is suspicious activity. I currently maintain separate accounts for different categories of bills. I went online and scheduled three payments from three separate checking accounts. Note that I have used each of these accounts previously to process payments. This, however, activated a security alert which placed my card in a "denial" status for 24 hours.

I don’t know why I’m surprised, but yet again a credit card company figured out a way to screw me over. I was barely late on one or two payments over the course of two years, and apparently that is enough to push you out of their magical little promotional event, upon which you get charged for two years worth of interest on your account. “But wait!” They said, “We gave you a statement with BIG BOLD RED letters on it warning you!” Yeeaah, I checked that statement (and who the hell sits there and reads through every statement they receive anyway?), the letters are tiny, the red is a dark maroon, and it conveniently sits on the back page of where you’ll actually see your statement.

I currently have several accounts with Comenity Bank including Victoria Secret, Stage, Boscov's and along with 8 other cards with them. I have never had a problem with them. I receive my statements paperless only less paperwork via mail. I get monthly statement reminders my statement is ready to view and reminders my payments is due soon. I have been late a few but that's my fault. I will own up to my error. The comments I read here are horrible.

I received at least 5 offers of 0% to transfer for a BJ's rewards card from these clowns. I finally did, and when on phone with application representative to confirm it was 0% because they didn't mention it. They went to their supervisor, came back 5 mins later and confirmed it was 0% on transfers for a year. Great she said, "You were preapproved already." I should have watched my spidey sense cause I felt something was off.

I have several cards from this bank and rarely use the one with the high balance, however it is the original card issued and accepts purchases from other Comenity catalog partners. It appears they double bill, along with failing to credit items returned to those other companies/partners. I have asked for a detailed, itemized list of all of my purchases, having received only a few with brief details from months ago, referencing companies other than themselves (some items I know I have returned for credit and received from other companies). Really pitiful.

I opened up an account with Overstock.com. They partner with Comenity Bank for their credit card. This was promoted as a 6-month interest deferred card, which is the only reason I signed up. NOW I discover that they have been charging my just under 30% interest since day one. When I called - they said that "maybe I hit the wrong button" and that there is "No way they can change or correct the interest rate." CLEARLY, they can easily make an adjustment in their system, it is just that they refuse to do so. They also refuse to connect you with someone who is empowered to fix their mistakes or misrepresentations. If you work hard for your money, do not do business with Comenity Bank.

This bank does not guarantee their service terms to customers, and changes the playbook and rules without telling their customers in a specified time. Changes trailing charges, allows to change due dates but doesn't specify if that effectivity has anything to do with already paid interest for a fixed period. Misleads customers.

Do not get any Comenity Bank card. It is a rip off and they do not recognize quality consumers. Their payment system is flawed and you cannot pay early. They will rip you off and take your money even if you pay early and are a conscientious consumer. They will find a way to make money off of you and will not work with you when you complain or ask to have late fees removed. They are not a good company to use for service. I would give them a zero rating if I could! I'm calling my attorney tomorrow about the late fee they added even though my payments were early.

I have an account at Avenue and the credit card is through Comenity Bank. Never, never again. I have closed my Avenue account. I am in the hurricane affected area and have had sketchy phone service, so when it does come back on, I have about 18 calls from Comenity Bank, this bank, under "unknown number." When I answer they identify themselves and then begin to tell me that I am $5.00 past due. Really 18 calls in 2 days over $5.00. I then go to my online account and it shows that I am not past due and my payment is due August 19 and today is the 16. Never, never use this bank. Someone from God only knows what country that can barely speak English then proceeded to tell me rudely to send the money ($5.00) now or else - really, really else!!

On July 29th 2017 I was in a rental car driving, and KingSize text my phone an offer, and because I was driving, (my phone hooked up to the car) my phone automatically responded PLEASE DO NOT CONTACT ME, I AM DRIVING! Well Comenity bank took that as a cease and desist and FROZE ALL MY ACCOUNTS! I was not able to use my cards nor pay payments on any cards! I was not even allowed to talk to a rep without a lawyer! So I had to prove my identity and fax a letter with all cards and info and tell them (I did not have a lawyer) Nor do I even know what they are Talking about.

BEWARE! - DO NOT OPEN AN ACCOUNT WITH COMENITY BANK UNLESS YOU WANT TO GET SCREWED! I opened a Pottery Barn and a Pier One account when I purchased a new home because of the discounts and points offered by the stores. For a while, I was o.k. with their service except for the length of time it would take payments to post.

Spent over an hour on the phone talking to six different reps, being transferred, and once being disconnected. Reps really don't listen to problem and basically give you a canned response. The last one, Lacey, told me she didn't have a supervisor and she was as high as I could go in the organization! Sending a complaint letter on her actions (and hope they pull the tape of the conversation and fire her smart mouth!).

I've had my Overstock credit card account for some years, and for the first time, I fell behind a whole week with my payment; a representative called me today (9/11/17), and at that time, I promptly paid my past due balance. I then went online to look at my account, and I realized that Comenity Capital Bank lowered my credit line by $1000!! Because I was a week late?

I have very bad experience with this bank back on 10/15/2016. I was at Gander Mountain store. On checkout the cashier mentioned if I open a credit card they will give me $20 discount, after I open one I asked the cashier if I can pay the balance with the gift card. He said yes so I paid the full balance of $31.04 at the store. Since that I kept receive statement from this bank. I open at least 4 dispute and send them a copy of my receipt with no luck. I kept calling and asked them "am I getting late fee?" They said not during dispute. They were lie to me. After several months they reported me to credit and I had to pay $168 for the purchases which I already paid. Beware.

I think these idiots primarily make their money on late fees. I recently moved to a new city and in the chaos of the move didn't see my paperless statements. They probably were in my junk mail folder but I was so busy the deadline passed me by. The charges were very low - under 20 bucks and they tacked on around an $18 late fee (which wasn't even that late). I called to try to get the fee forgiven and possibly close my card at that time but they would not outright waive the fee like most banks will do when you explain your situation. It's not like I didn't have the funds to pay - it's just that life happens!

I recently paid off my accounts that had been financed through Comenity Bank. The Credit Cards were for Romans, Jessica London, and Woman Within. When I mailed the payments and request to close each account. The checks arrived a few days after the scheduled due date, however, I always paid my bill on time prior to closing the accounts. I had to wait on the telephone for at least 45 minutes just to be told they could not waive fees due to the accounts being closed. I asked if fees could be waived since the sole purpose was to have accounts close in good standing. The customer service rep I spoke to thanked me for being a loyal customer, but, stated there was nothing they could do because my accounts were now closed.

I have automatic payment set up for my card. I logged in 2 days before scheduled payment to verify my bank account credentials are up to date on the website. I get a confirmation email saying payment has been made. So of course I'm under the impression that my payment went through. 10 days after the due date, I get a call from Comenity saying that my payment is overdue. So I log back into the website to make another payment. I get another confirmation email saying that the payment has been received. I check my bank account daily to see if it's ever taken out. It hasn't.

I placed several small and "LARGE" orders online at Nordstrom and one order was declined from Comenity. I called them and was transferred to the Security/Fraud department. The CSR said that I had placed several orders small and mostly "Large" orders, and basically she didn't like it. She then disrespectfully put me on hold, and I got another call so I hung up thinking she would take care of the issue. BOY WAS I WRONG! I tried using the Comenity LOVE LOFT MasterCard again, and it was declined. I called Comenity and the guy that I talked to asked me security questions, and he was not satisfied my answers (and I told him that I couldn't answer his questions because he said, "This is time sensitive" and basically hurry up with your answers, and it made me so nervous that I couldn't even think!) so he forcefully closed my account without my consent.

Now I realized that it is all mistake. I should've read the reviews first... When set up the online account there is no option for auto pay?! Combined with the paperless statements there is no way to find out when your bill is due unless you check your account daily. This is made purposely for the solely reason to forget to pay your bill and charge you ridiculous late fee for it. For a purchase of $17.00 I ended up paying $64... For one missed payment my FICO score dropped from 800 to 720... On top of everything they called me at home and asked me if I can afford to pay the bill?!

I paid above my balance every month on time for 1.5 years. Then wham, I get an email at the end of month saying my payment at the beginning was returned and I had all these return fees and such. 2 months later, going thru the hassle of sending in my bank statement, sending in a letter head from the bank, numerous call to fix the problem on their end. I still get told they don't have sufficient proof that it wasn't returned. WHAT?

I just got off the phone with them at Comenity "Total Rewards". I pay my statement in full every month. Starting now you are paying a interest fee from any charges you have between Due Date and the Statement Date. My due date is the 5th, my statement date is the 11th, so unless I call or go online and find any charges I did between the 2 dates I will pay interest unless I add them to my balance and pay it right away. So to make it simple "Don't Charge" anything in that 6 day window. Maybe they should pay me interest for paying it early!!!!

I just being late payment for 2 days and the bill was 26.33. They send me another bill. Ask me to pay 27.33, what a ripoff. How you people ask me to pay more than double of my bill when I am late payment for 2 days. If there were an interest charge I would understand. This bank is robbery. I would never use Victoria Secret Comenity Bank again or for any other card related to Comenity Bank.

Here is my story about Comenity Bank.BrylaneHome!!!! I've been a long standing customer with Comenity Bank for well over 5 years, maybe longer. Eight different store accounts and all in EXCELLENT standing. I pay my balance in full within one to two cycles. Last month I received 8 different letters stating my accounts have been closed due to "continued security concerns"... and to contact account protection team if I have any questions.

Never, ever sign for a Credit Card with these thieves. If you ever shop and Pier 1 Imports and they offer this Credit card say NO. I only signed up to take a promo 30% off. The first bill came when I was on Vacation so I paid the balance in full only one day late. They charged me a $29 late fee. Called them and they promised to waive the fee: they never did! Next month I got the balance of the late fee plus interest. I paid it again in full but the month after a new bill came with a $2.00 Minimum Charge which they try to explain to me but I can't understand. If I paid the balance in full before the due date: how do I owe them anything? Stay away. These guys are THIEVES!

I had been made aware of a new policy of simple interest credit cards not 30 day statement. This is a way for Comenity bank to make billions of dollars off the people that pay their bills off every statement period. Another policy is any online foreign transactions would also have a charge. No notification when processing nor is there a 1 time forgiveness policy. Due to these policies I check all my cards for this bank and cancelled. I pride myself on outstanding credit but will risk it to rid myself of greed.

Comenity has recently instituted a policy of requiring more of a payment to avoid finance/interest charges than the statement balance. I paid my last bill in full, a day early, and was hit with a $50.73 finance charge. The woman in customer service explained that I needed to pay the "trailing charges" to avoid a finance charge. Apparently, these are charges that didn't appear on the statement but need to be researched online in order to avoid the finance charge. Is this legal? Also, if the due date is a Sunday, they will assess finance charges (another $50.73) if payment isn't received until Monday. Every other credit card I have had accepts a Monday payment as on time. Love Virgin America - this is the wrong bank for them to be affiliated with.

Got a loan with them from Aspen Dental. Gave me a what they called a Promotion plan. But what happens is they won't let you pay it off early. I have been trying for 2 months and even though I have no balance they sent me a statement for $2.00 and stating that remaining balance will be assessed interest at the standard purchase APR. If I don't pay the $2.00 I will be charged interest from time loan begin original loan amount. This has to be against the Law. How can you charge someone a monthly fee when their balance is 0? I know $2 isn't much which I have sent to them. But this is not right. This bank sucks.

My minimum charge payment has ALWAYS been $27. I have paid it on time religiously and in person at the Avenue store every month. I paid my June payment even before I received my statement due to the fact that it was later than usual in receiving it in the mail. After paying my June payment my bill had a total balance left on my credit card before pay off at approximately $12. When I received my July statement I had found they upped the minimum payment to $28 instead of the usual $27. Because I paid the usual minimum payment of $27 for June there was a late fee of $28 charged to my July statement. I called and tried to talk to them as to why I only paid the $27 but to no avail. My July statement was for $40.38 which once again I went directly to Avenue and paid off the entire balance. I just got another bill now and they are asking $1 for a fee. Are they serious?? Like everyone else has said, STAY AWAY FROM COMENITY BANK!!! Blood suckers!

When I wrote a letter to ask for closure of my account with the bank, they didnt close it. They suspended my credit card instead of closing it. They did it without my permission. And they claimed that I petitioned for bankruptcy. I didnt petition. They lied. I talked to my lawyer. He investigated it and he said that I didnt petition. And I am so mad with the bank. They must pay off the balance because they did illegally without my permission and my knowledge.

Heads up on Comenity Bank Card. My wife opened one at the Loft clothing store to get an additional discount on her purchase. We had the Comenity card set up to be paid automatically thru our checking account. Due to some billing issue, the payment of $60 was late by one billing cycle. We went ahead and paid it thinking it was done. Comenity turned us over to a collection agency and reported us to the credit bureau which lowered our score. We didn't even know it was on there until we refinanced our home. So we closed the account and cut up the card. They confirmed it was closed on 8/1/16.

Comenity bank is a total rip off. I've paid my bills on time and still get late fees. I have paid well before my due date and they wait to process payments after the due date. Customer service is very rude. I have contacted the Better Business Bureau, and of course, no reply. Mail does not take more than 12 days.

If I could give this business 0 stars I would. Every single time I talk to someone they are rude and unhelpful. I was charged $29 TWICE and called them to tell them they messed up and a guy started yelling at me! Who trains these ignorant people? I will never ever go through Comenity again. The angel card is NOT I repeat NOT worth it!

Predatory and shady business tactics. In May 2015 I opened an account with El Dorado Furniture in South Florida which offers financing with Comenity Bank to buy a $5,000 sectional couch. The account was 24 months no interest, etc. I have a 694 credit score so had no issue opening the account and had no issue making payments on it every month. Every month I would receive an email invoice. Normally their emails would include “Your account summary” …with available credit, minimum due, and the current balance. So I always knew how much I owed total.

The fact that I have seen others who have gone through this situation makes me feel a bit better, but I have never been so angry toward a company in my life. I was forced into using Comenity as part of laser hair removal treatments with Ideal Image, and essentially got screwed out of more than $500. I made all my payments online and was involved in paperless billing. While Comenity sends monthly payment reminders via email, nowhere in any of those payment reminders do they bother to remind you that the year-long, interest-free promotion period is coming to an end, and you should pay off your balance. That's because they hope you make the same mistake I did.

Christopher Banks Comenity Bank Card charged me a $27 late fee along with a $2 minimum charge fee for my payment due Friday 07 July 2017. I mailed my bill on Monday, 03 July 2017, in plenty of time for them to receive the payment on the due date of Friday 07 July 2017. I also mailed (USPS) my mortgage check at the exact same time. My mortgage payment was received, processed and cleared my account on Wednesday, 05 July, yet my payment to Christopher Banks was not processed until Tuesday 11 July. I sent a secure message and the reply was that CB did not have record of my electronic payment. I did not say I paid via electronic methods.

My experience is much the same as others who have voiced their opinion of Comenity Bank. I had paid my bill electronically through my bank and the next thing I knew I got a past due notice... WHAT??? Long story short I found out that they do NOT accept electronic payments so I had to go straight to my J. Jill account and pay it that way plus a late fee and service charge. Now I hesitate to charge anything with my J. Jill card... it's too much of a hassle.

Steer clear of credit cards issued by Comenity Bank. I just made the final payment and I am not sure that they won't find something else to bill me for. A store will offer you the product interest free until a certain date and this bank will do everything they can to find ways to charge interest and late fees. They have no recurrent payment option so they can end up charging you a late fee. I sent payments from my bank account directly. They went by bank check because they have no direct electronic option either. Every payment went out by the 28th and got there on time. They claim that my last payment got there a day late. If I hadn't checked and caught the late fee (which they wouldn't credit back to me under any condition) they would have hit me with a whole year's worth of interest.

I have never been so upset with a company in my life. After being stupid enough to apply for Forever 21's credit card, all I wanted to do was close my account. I called the number on their website which took me to a customer service rep that couldn't speak clear English. I kept telling him that I just wanted to close my account but he kept offering me deals and even said that this was part of the process in order to close the account. I kept telling him I didn't want anything but as gullible as I am, I ended up giving him my debit card number thinking I had to pay off my card (even though I had already paid it off that same day). He assured me that this was to close the account and that after he got the card he would transfer me to his supervisor.

I would avoid using this bank. Depending on the retail shop card you're issued by Comenity. The website's are heavy when it comes to neuromarketing and this alone hooks people. They have the payment plans and terms set up to take advantage of as many fees as possible on their end. It appears their primary customer base are low income individuals and so this said: It takes almost a week to withdraw the apparently standard $27.00 monthly payment consumers have to make. If you're not working or issued one of these easy to get retail shop cards chances are your bank account is low to begin with. If you miss having that 27$ in your account a pretty much a standard $38.00 return late fee. (you wonder if this the $27.00 psychologically fixed number) It shouldn't almost an entire business week to take money from a checking account, something's up.

Earlier this year, I opened up a new Pier-1 import credit card with above account number. When I entered the account information in my bank's Bill Pay system, I transposed the account number by mistake. As a result, a payment of $33.78 went into someone else's account. All the payment was made to the bank in earnest; it did not post against my account, so I kept on seeing the base amount plus finance charges accruing. I called and talked Diane ** on March 31 and told her what happened (give her the account it went into and the account it should have gone in). I understood that she would do the transfer from someone elses account to my account and I did not have to do anything. She told me that balance was zero and I did not have to do anything. I continued seeing this, so I called again and talked to Kiera **. Then, interestingly, I got a check from Comenity Bank for $33.78 which surprised me.

I purchased furniture at Z Gallerie on a 12 month promotion with 0% interest. I opted in for paperless statements online. Every month I would receive an email informing me of my balance and what was due. I never received an email alerting me to the fact that my promotion would be over. Since I purchased the furniture and have not made any purchasing I did not download the statements because I can see the balance and my payments.

I have a Torrid Credit Card Account. I paid my Torrid bill May 3rd $27.00. Then I paid my bill for June 2nd $67.00. Also a late fee of $25.00. I saw on their Torrid's module the money is still in there. Torrid sent me a letter stating the money went back to my bank, when it did not. Had to call the Better Business Bureau to give me back my money and close out my account.

My overstock credit card with Comenity is late every month because I don't remember to log on and manually pay it every time. Everything else in my life is set up on automatic payments and is a standard for this day and age. I emailed them and said I wanted to set up automatic payments and they said they don't offer that. The experience has been horrible so far. They set up the business to knowingly disadvantage and inconvenience the consumer so they can rake in the fees. This is 2017 and you don’t have an option for automatic payments??? AND YOU'RE A BANK?! THIS IS EXTORTION AT ITS BEST.

It seems like every store you get a credit card with, has this bank. I had Boscov's before for Christmas and all was good. Then in May I received a notice from Comenity Bank that they were replacing the agreement I had with Boscov's with a new agreement. A daily balance and calculate interest charges on your amount owed. My God if I pay on my bill almost half goes to interest. So if I pay 50.00 then 18.00 or more goes to their interest, this should be against the law. At this rate you'll never get it paid off. So now I want to pay off all the cards I have with this bank. Stein Mart has this bank also. This makes people not want to have any credit cards at all.

Update: Even though I am not in a position to throw money away unjustly after my parents' deaths, a flood on one house, a hurricane on another, no life insurance to help that, cracked spine, lost 3 incomes, and monthly tragedies it seems for 5 years ... and I generally fight to the finish, I decided with all on me to just donate that money to Comenity to write it off. I called, and they said it was wiped clean and they owe me $10.00, so ... They did the right thing finally, and why, I don't know since I did reach out and fight. It was a battle with no resolution it seemed; yet, I kept reaching out (especially on Twitter and to the Attorney General of Ohio). I am appreciative though. Had it ended correctly sooner, I would have gone 5 stars.

I was on automatic payments for my Williams Sonoma credit card and they never continued them when they took over the card from Barclays Bank. I never got their emails for a late payment for a product I never received and ended up getting 2 late payments. I was told I needed to re-enroll for automatic payments but never received notification of the bank change. I checked my emails at ** and never received any emails as they have claimed except for the one I got today when I went online for the first time since they took over in Aug 2016. I feel like they are wrong about getting any notices and the store resent the package that I was supposed to get in April 2017. The store acted in good faith but the Bank is being extremely predatory in its actions against me with no proof that they sent me any notices for ending automatic payments and late fees.

I have one account with them "HSN". On a weekly basis I spend hours on the phone because of errors they made. Purchased items would post but they also remain in the pending for seven days. This would take away double the amount from the available credit. It supposed to drop off from the pending status once it posts. 90% of their agents don't understand basic accounting terms... such as "pending charges". Some didn't even understand the date a pending charge was supposed to drop off. They thought the charge was scheduled to post on that day. Some mentioned a credit as a debit amount. Unbelievable! I have other credit cards with other banks. I don't remember calling them because of errors. Comenity bank is the worst bank ever. If there is a "minus star" I would have given it to this bank.

There needs to be a class action lawsuit against this bank. I am among all of you. I have an impeccable credit history with a 840 credit score. They have falsely accused me of being late on a payment that was not in existence. I pay my balances in full prior to the closing date so that I will not carry a balance. The report states that I had a $140.00 balance with a late payment of $15.00 dollars. This has dropped my score to 736. This scar will remain on my credit report for seven years! I have disputed this information and they continue to verify the accusation as being true. This is not the only incident that I have encountered with this institution. Their Service Reps are incredibly rude as well as incompetent.

I have had my Elder-Beerman card for close to 2 years now. I used it to build up my credit. However I started noticing extra fees and late fees that really started to add up. I would pay my bill over the phone sometimes the day it was due. However it was before it was late and still see a late fee the next month. I decided to pay this card off and only use it occasionally because of this problem. I paid it off, and stopped getting statements (It was paid off). Somehow they charged me 4 dollars of fees and never sent me a statement so I had late fees that I didn't know I owed.

I applied online for a store branded Mastercard serviced by Comenity. They approved and issued the card. I had the card all of 3 weeks, used it once, paid off the balance immediately and just received a letter today that they had closed my account due to the "number of recent inquiries" on my credit report. I called and they said that they do an audit after issuing the card, and because of the inquiries where I had just built a house and started a mortgage (which was sold before the first payment to a very disreputable servicer) and then I refinanced with my bank, I was high risk and they closed it. I told them that is terrible practice and more detrimental to my credit than my mortgage inquiries.

I have two accounts with Comenity. One of them an Express account which I use here and there and pay off the balance right away. I recently made an 80 dollar charge and completely forgot about it. The following month I notice on my credit report that my score dropped 40 points and Comenity Bank noted a past due 30 days account. I called immediately to pay the balance which included late fees. I requested this please be lifted from my credit report, as I would have immediately paid it if I hadn't forgot, and there was never a phone call, email reminder, warning, nothing. They had 4 different phone numbers on file for me that are not mine (no one seemed to know how that happened) and I had just opened my account six months ago so have had same number for some time.

Applied for a flex account, ordered several items different times with flex account. Applied for a credit card thru HSN on TV, was approved after I ordered the item, it should have went on my flex account. They put it on a charge card that I didn't give them permission to do so. I received a letter in mail that my account was behind. I called to see what was the problem. The lady that I spoken with said that it was nothing that they can do. It was going to remain on my credit, I also disputed it to the credit reporting. Waited 30 days. Checked the report. It reported no changes, late payment on my account not my fault. I’m going to seek legal service for damage. Stay away from these people. I hate this happened with HSN. They have great products but the people that handle the accounts will hurt them at some point. I will use QVC from this point forward.

I ordered a 14K bracelet from Overstock for a Christmas gift and Overstock sent a plastic silver painted ring. I immediately called them and finally they gave a return authorization. But Comenity bank continued to charge me for interest and penalties. I never paid because I never received a product. It is now June 1 and this morning they threatened me. Quote "If you do not pay this, this is what is going to happen." I said for the 100th time, "I never received a product but you want me to pay interest on this product." She said Yes. I hate Overstock and Comenity Bank is corrupt. Do not ever charge anything. Do not go near them. They are threatening to damage my credit.

Was sent a letter from security and fraud protection and was told to send in 3 forms of identification to verify identity. I had to request a new social security card to do this only to be told my identification wasn't enough and they closed all my accounts. Called and got no reasoning, but was told I can apply again. Ha no Comenity sucks. Very unhappy with them.

I'm shocked to find that it is true, there are thousands of people that have been most likely stolen money by Comenity Bank/credit. I've been paying responsibly every payment that was due, and no matter what I try to do, there are new fees, and late fees, and charges for interest even when the payments are honored in full. It's a labyrinth of "We're sorry for the inconvenient sir" and zero accountability.

They are simply thieves. For a $32.00 balance for which I paid $30.00, they charged me $30.00 for a late fee and my $2.00 balance somehow became $67.00. I paid it to avoid more charges, but believe me, they are out to steal money from unaware consumers. Their customer service is dismal, it's like you're talking to a bunch of drunks. If Ann Taylor, Crate and Barrel or any of the stores offer you a credit card, turn it down with an emphatic "NO!." I paid the bill to avoid it getting worse, but I'm definitely going to pursue action against these thieves.

I am so disgusted with this company. I have credit cards with both Talbots and Pier 1. Before Comenity took over the billing/credit card responsibilities for these two stores, I never had a problem with paying my bills. The problem is that my bills no longer arrive in my email as a reminder, but rather in my junk mail. All of my other bills show up in my email, why not Comenity? I have tried to remedy this, but to no avail. I have finally asked that I receive a paper bill again. I don't feel I have to look for my bills in a junk file!!

Unauthorized magazine charges on my card with zero balance. No paper bill, then one stating unpaid balance and late fee. Had to call the magazine to get a credit. But it was only a partial credit and had a few dollar balance. They took the late charge off "one time courtesy" Then ANOTHER unauthorized magazine appeared. Had to call that company. They promised a FULL refund but again only partial with a few dollar balance. Another late fee, this time I did not even get a bill to see a small balance. But I used my "courtesy" the month before. Paid 39 dollars and closed the account. Comenity Bank and Avenue have a real scam going on.

I have had several of the store credit cards that are managed by Comenity. I have a positive standing with these cards for years. Cards such as HSN, Meijer, Dress Barn, Torrid etc. My latest addition was Catherine's. I am the type of consumer that pays the full balance each month through my bank electronically. Again, I want to point out this has been my process for YEARS. One would think there would be no issues with the newbie. WRONG! Not only could Comenity CS offer an explanation as to why their posting process is different than ALL my other 5 accounts with them. We went over this on the phone and after being put on hold several times I was told they do not know why there is a difference and it isn't their error.

Be warned about interest rate. I got the Sportsman Guide's Visa a couple of years back because I purchase a lot on Sportsmanguide.com. I have a 7000 dollar limit with currently a 51 dollar balance. Here's where it’s get down right illegal. They assess 49.90 interest charge on a $51.51, and I am not kidding. Not to mention minimum payment is 55 dollars on $100.00 dollars. This has to be criminal in some way. Paying them off right now and cancelling this card before they charge me 100.00 on a zero balance.

Excessive & compounding late Fees accrued even after I'd paid a late fee and fees associated with the additional late fees. Several written requests to have the compounded fees adjusted. I finally called and paid the fees along with a second late fee and canceled the account. I accept some responsibility given that it was my account but the way Comenity continued to add late fees on top of late fees (no new purchases were made), and allowed them to compound even as I was paying interest fees on the late fee, paying one fee and trying to work it out seems unethical to me. I have another Comenity account with Macy's which I will be paying off and closing as well. I will not be shopping Pottery Barn again. If this is how the financial company they've selected treats customers, I'd rather use a different card.

I have several Comenity Bank store credit cards-Victoria's Secret, Express, GameStop, etc. Here's the deal - if you pay your bill on time you won't be charged late fees. People that say "I never got my bill in the mail" it doesn't matter if you get a statement in the mail or not - you know when your bill is due. Yes, the interest rate is ridiculously high and the late fee is as well but I knew that going in and before I ever used my cards. I was late once and I received a late payment fee of $25 and it was my fault because I missed the date. I am just tired of people giving bad reviews to companies over things like this. People - take responsibility. If you don't want high interest rates don't open an account. If you don't want a late fee pay your bill on time. It's that simple folks.

After reading many other negative reviews on Comenity Bank, I felt I had to chime in with my situation. I have two accounts through Comenity Bank and I have paid for all purchases and finance charges assessed, however, they are quick to assess late fees, and often times the late fee amount is exactly the amount of the balance on the account. None of my balances have been very high and some have been paid in a single payment transaction. I think they are trying to trick me into believing I owe a legitimate balance by doing this. I requested a courtesy waiver of the late fee a while back on the other account via email and they denied me.

I have had Comenity cut off my card while using it in a Total Rewards location in the state I live in. I was told it was for unusual activity. After admitting it was not unusual but a new sensitive system they put in, they restored service.

So far, one star. Just got this card to help me because school loans damaged my credit. Used the J.Crew Card a for the first time a couple days ago, but already I am experiencing what most of you are it seems. My online account shows a deduction, yet states that I owe nothing. How can I pay what the screen is saying I do not owe? There is no itemized statement. I contacted them and the woman basically said they do not see any purchases made. Ok. so how is it that in two days my package will be here? I am tracking it via the UPS website! The fault is already lying completely with them. I can see where this is going and I don't like it. A simple tool to build with, yet I can not. I am about to cancel my order and destroy the card as I do not need this headache.

Like a lot of other people, I was enticed to get a store credit card because of special deals and pricing. In this case it was from Peebles Dept. Store. Unfortunately, their card is issued and maintained by Comenity Bank. The problem is I get their statement with $24.48 within one week of its due date. I pay with Quicken every week and it takes 5 business days to get the payment to them. The result is my payment is late by 5 days. Their next bill comes in and they assess a late charge equal to my original bill plus another $2.00 other fee. Thinking they have made a mistake, I call and Robin tells me late is late and they make no exceptions and will not even explain how the charges are computed. I cannot help but believe they are structured to maximize late fees as a major part of their business plan and I wonder how many people have had the same experience.

I am livid. I received a late charge on my bill, which is due the 21st. I mailed payment the 12th, received an email that my payment was received the 21st. However, there was a late charge applied to my statement, when I called, I was told it was received the 23rd. I said I would send them a copy of my email that it was received on the due date, but was told that was not necessary and removed the charge. This month I mailed my check on the 11th. This time my email notification said it was received the 23rd. I called Customer Service and told them I would not be able to use the card if my payment was not going to be posted in a timely manner, surely it did not take 12 days to arrive from my state to their payment center. I suspect they want you to go paperless or want to make more money by adding late charges to your bill hoping you won't notice? I do not trust them now so will pay off the balance and not use the card again.

Now that I have seen that others have had the same experiences, I am going after them! Either they are completely incompetent or border on fraudulent activities. My Williams Sonoma VISA card was transferred to them sometime late last year. I was told I received a notice about the change as well as a new credit card - neither happened! These idiots have ruined my credit. I received a call and explained this a few months back, they told me they would send me "new" card, but that they couldn't give me online access unless I had the card! Talk about a chicken and the egg type of story!

On 4/ 4/2017, I had $545.00 in my account. I called Comenity to make payment of $50.00. I called back on 4/12/17 to ask a question about something else, and the machine stated to me I owe $95.00, So now I want to talk to a rep. The rep says the same thing and that a $25.00 fee with a higher interest added to my account. The rep says my check bounced. I was furious about that because I know I have money in my account to cover $50.00 and some. The reps says bounced on 4/8/17. The rep that took my payment on 4/4/17 and I recorded the conversation, Made it clear that it went through and that their system erased all the bank information. I ask for them to give me the routing number and account number I given them and they says they don't have it and that it is not in their system. I said, "Bull, There is no sign of a bounced check at my bank."

Horrible experience and very bad customer service. I opened a Victoria's Secret credit card. I moved and had called to update the address and they must not have done so in their computer. I did not receive the bill. I had a balance of $186 dollars on the account and $42 dollars was due. I have never missed a payment on a credit card besides the one in which the account was 30 days late due to the address change. I immediately called and paid the full balance plus the late fee totaling $225. I asked them to remove the report from the credit bureaus and was told they had no interest in doing so. Any company that treats their customers like this is terrible.

Worst payment experience I have ever had. First off I left a balance on this card to take advantage of the no 6 month interest promotion on a purchase. The first time I had made a payment that they "supposedly" never received so I got charged a 25 dollar late fee that was waived. Because they have no autopay I paid the minimum and then paid the amount due next. Now I get an email my account is past due AGAIN because my payment was processed to the other billing cycle and not the current billing statement. As a result another 25 dollar fee.

This company does not allow you to schedule a payment more than 30 days out. They have a calendar, where you can scroll and schedule payments, but it locks after 30 days. I understand if they have chosen not to invest in an autopay system, but allow us to schedule payments past 30 days. I have quite a few credit cards, and this is the only company that does not offer autopay or the ability to schedule multiple payments out over time manually.

I bought an engagement ring an year ago from the Blue Nile site. However, I should have read the reviews of the Comenity bank which manage their credit card, before getting the "Promotional Purchases". My experience is similar to the other reviewer on Google who said, "The promotional purchase from the Comenity bank is the biggest scam on the planet!" I opted out of paper statements a long time ago and only go online to pay where there is NOTHING to warn you about approaching the end of your promotional period! Who in the world can remember every purchase they made 6 months to a year ago from which company and for what promotion? I always paid a fixed amount more than their minimum due way before the due date. They do not even have recurring auto payment.

I have several retail credit cards associated with Comenity Bank. I have continued to receive phone calls to my cell phone regarding a person that I do not know. They call multiple times per day. I have talked to 2 different supervisors and hopefully they will get it right this time. My concern is that they say this person is "possibly" associated with my phone number on file. I do not know the person they keep asking for. I feel like my account(s) have been breached possibly and that there is a security issue with one or more of my accounts. I cannot get them to tell me which retail establishment this is associated with, so I will just close all of the cards I have associated with this bank.

Received a letter from them saying my payment was returned due to a routing number error. The prior payment cleared with no issue. When reviewing my bank statement the payment was credited to them and debited to me. I called, sent them copies of bank statements and they insisted on a letter from an official at my bank stating the funds came out. This is the most ridiculous thing I have ever encountered. They charged me $25 for return fee and did not credit the $25 payment to my account, so $50 cost when I paid them on time (early actually) and still have not had the issue resolved. Had to go to the bank today and the bank thought I was crazy... Said they had never heard of such a thing!

As a customer of good standing of 3 years and never being late I asked the company to waive the late fees after paying the acct off. Other consumers give you a one time waiver. They didn't. Only waived the interest fees and had me pay the late fee anyway. I'll never shop with them again.

This Bank's credit card details regarding HOW late fees are assessed and exactly what time of the day that payments need to be posted (8 pm) are borderline robbery in order to make money at any cost to consumers. PLEASE BE AWARE of the following: minimum payments change monthly (i.e. $85 vs $86 vs $88). A late fee is assessed (again could be $25 or $35) based upon if your payment was posted AFTER 8 pm on date due OR if you made an automatic payment of less than the minimum payment due stated on the invoice. I was charged a $35 late fee even though bill was paid on time, but my bank made an automatic payment of $85 vs $88 and the $35 fee was attached to the $3.00 that was not paid.

I have had several situations where I have received my statement late. Very short billing cycle. I get online the same day (5 days past due) pay the account in full (54.00). Then they assess a $27 late fee, 2.00 in finance charges. I call to have them remove the fee. Well, I am not eligible because I had a fee removed in the last 18 months? Kept me on the call for 45 minutes... and just kept saying "NO".

Twice in the last six months they have not credited my account. It was paid by cash in store. I have the receipt. I send in a copy of the receipt and they're still harassing me saying I did not pay them and charging me an ungodly amount for a late fee. I will be going in store to handle this. Victoria's Secret will never get another cent out of me. I close my account in October. This company is very unprofessional and keeps charging interest when I have never been late for a payment. Will contact a lawyer.

Had a tooth break while my dentist was out of town. Aspen could get me in next day so I went in to see if there was a temporary fix we could do until my dentist came back. To make a long story short I applied for financing for an implant procedure and made an appointment for a month later. The whole thing was 7 grand. After other opinions I cancelled the appointment. So imagine my surprise when I get a bill for nearly 7 grand for a procedure I never had and cancelled weeks before the appointment date.

I have had accounts with Comenity Bank since they came on the scene. I recently applied for 5 new cards, verified and approved and that made the bank nervous. They have frozen some accounts and closed others. Many have a zero balances and none are delinquent. I didn't use the shopping cart trick. I actually had a decent credit score. I have cards from other reputable banks, Wells Fargo, Chase, Discover and Capital one. I am gonna close every account and keep it moving. Bad customer service in the 21st Century is unacceptable. I have officially fallen out with Comenity Bank. And I plan to file Class Action when they report derogatory info to my credit. Really, I ain't mad, it will be a blessing to not be tempted to use their cards. God works in mysterious ways...

I have just read all of the other reviews and they are 100% accurate. They purposely did not send the first month's bill, which ended up in a very big late fee. I got the card to help build credit and to purchase a much needed rug. I now wish I had picked a different banks card over Comenity. My Synchrony never screwed me over like this with the new egg card, that's for sure. 2 Thumbs down to Comenity.

My January payment was due on the 12th and I electronically paid it through my bank on the 3rd. When I got my February statement the payment was not applied. I have been trying to resolve this since the middle of January by phone calls and letters to customer service. My account is in dispute but they keep adding late fees and minimum payment charge even though they say it could take up to 60 days to resolve. When I call and the recording tells me my balance it says it is in collections. This doesn't seem acceptable when I have done the right thing. Please be extremely careful if you get a credit card from them.

I was a Comenity bank customer with Avenue...Lane Bryant and Metrostyle. Well I fell 2 months behind on Lane Bryant and Metrostyle. I reached out to them to let them know about my financial situation changing and tried to make arrangements to pay and to keep my accounts in good standing. Well after the arrangements were agreed upon by myself and the bank...they closed my accounts with the exception of the Avenue account which was not behind in payment...that was in 2015...so I just paid them until they were done!

We frequently shop at Pottery Barn and use their store credit card (provided by Comenity Bank). While shopping at a local store in December 2016, the sales associate had trouble with the card being read by their charge unit. She completed the transaction by simply entering the numbers manually. She suggested we request a replacement card. Good luck with that. After nearly two months trying, and being told by phone that a replacement was being sent that day (mid-January), no card. We did get a letter (the third) saying they had tried to reach us, to no avail. So would not send the card. BS!!!

I'm reviewing Comenity Bank's Visa card for William and Sonoma and my recent experience with them. I was shopping their website and got a credit card offer and applied, was approved for $1500 CL. This company is down right dirty for doing what they done to me. Not only did they offer me the CC but sent it out and let me activate it then told me "Congratulations you can now shop with your new CC!"

I have two accounts with Comenity. DB and VS. I've fallen behind on payments due to working partime. Account was sent to recovery dept. The reps are rude and nasty. Being nasty isn't going to make me pay any faster. They need not to harass clients and threaten them about account going to an attorney. The reps are unprofessional and some yell and interject. Hire better folks!

Since Comenity took over Credit Card payments for Boscovs, we have been hit with 2 $25.00 late fees already, one last August and now in January. I mail all our payments in the same time frame to make sure they arrive on time and we have never been assessed this except for the Comenity-Boscovs card. That seems to be somewhat of a coincidence and when I called Comenity, they said they can't waive it since we already had the late fee last August and it was within an 18 month period. This is a rip off and I canceled my account but my wife kept her card but they aren't getting any more of my money.

I don't owe this bank any money and have not borrowed any money. Yet they continue to stalk and harass me with threatening phone calls. I did apply for credit through Aspen Dental but never needed the credit, so I don't owe any money. Will also never use Aspen Dental because of their affiliation with this bank. My plan is to file a complaint with the Ohio Better Business Bureau. Don't waste your time with these unscrupulous people. If you can't pay cash for your items, then keep walking.

I received 2 phone calls from Comenity Bank today telling me that I am missed my last payment of $21.65 and I now have 2 months of late fees due. The first caller told me it was on an order that had been returned to HSN and the second called me that it was on an order that I placed at HSN in May of 2016 and I need to pay $75 or I will be turned over to collections. However, if I paid $50, he back out one of the late fees. When I called HSN to get some info on this, they could not help me, said I need to call the bank because they cannot call the bank on my behalf, but they could do a 3-way conference call. Well, I got disconnected. Called my bank and my web payments have been taken out of my account, but Comenity did not credit my account.

I think Comenity makes it a habit of not sending your first bill so you get charged late fees. Twice, two different store cards ran by Comenity, I did not get a bill after my first purchase. Obviously without a bill, it did not get paid. Started getting phone calls for payment before an actual bill came (again, with both of these accounts). When it did show up there was a late fee.

I got a call from Comenity saying I was late on a payment. I explained my situation of losing my own debit credit card. Then got informed I was 2 months behind. I made purchase at the end of Nov. Just got a bill and the payment due date was 1-6-2017. So how am I behind two payments? That is a crock.

I opened a new account with this bank via special offer through ULTA. I tried to use my new CC (brand new account, no late fees, no overage on my end) but it was declined - no reason provided. Happened 2 times... I called the bank and found out they had closed my account without any notification to me. I am closing out this account, for sure. I have nothing positive to say about this experience.

I have had difficulties with the payment side of this company. A number of times I have had to make a payment after it was electronically sent in because I found it difficult to get that part of their payment system to work either as a single payment or trying to make monthly payment set up. I was getting late charges with statements and after a while I found the only way to make a payment that was processed was by phone. After making a final payment, I got a statement saying that I owed another late charge. Today I called them and told them that the statement I received was incorrect and that I refused to pay any further late charges. I had closed the account on the 5th of January and at first they could not remove the late charge. I finally got hold of someone, who as a courtesy said she would remove it. I suggest that if you are going to order from this group use your own credit cards and leave their Comenity Card out of the situation altogether.

I get that working for this creditor/bank cannot be a walk in the park, but their employees are rude, condescending, call multiple times/day (not just you, the card holder, but your family members, too), and then make up excuses why they're allowed to do this, and state that their employees never dealt with you in an unprofessional manner. Please avoid if you can!

COMENITY Bank is the biggest rip-off company I've ever encountered. They pounce on you one minute after your $1 payment is due and quickly charge you $27. It happened to me 2 months in a row. That's $54 down the drain with nothing to show for it. I closed this account right away. I feel lucky compared to the hundreds of other horror stories I sat and read from other consumers. How long can these scam artists be allowed to prey on consumers trying to build their credit? Stay away from this company and spread the word.

This bank is a total rip-off... I try to make payments to them online and their system will not accept them. Obviously they do this so they can add a late fee to your account. Paying by phone gets even better... It's a $9 fee just to talk to a customer service rep, even if you're paying from your checking account. I sincerely believe that Comenity Bank's practices should be investigated.

While shopping at Overstock.com, during my check-out I was advised I had been pre-approved would I like to accept the offer, I subsequently did. The same scenario occurred with J. Crew, Sportsmans Guide, and Express. I never authorized or gave permission to have my credit file accessed with a hard pull, I never provided my entire social security number. After receiving a denial letter for the Express account which indicated first party fraud, I called in on 12/13/16 and spoke with a Jonathan who was completely oblivious and said he'd never heard of anything like that before o_O, thus I requested his supervisor, she then gets on the phone and calls me Eric confused as that is not my name and I had just previously spoken to someone I wasn't sure why she would randomly call me that!

I called 12/16/16, to get a one-time courtesy late fee removed. I've never been late on any of my payments, and yet this credit card did not remove the late payment, despite me making a payment for $100, which was over the minimum payment required. I also requested to have the payment due date changed, and they stated that they could not change it. Never have I had a credit card like this one, that doesn't try to negotiate with the customer. Comenity Bank, will be losing a valuable customer as a result.

I wish I could rate them 0 stars. What kind of a company only accepts debit cards and not credit cards? I understand to an extent about it, but if it goes through and they get their money then what is the big deal?? I think that the "policy" is absolutely stupid to not accept any credit cards... Once paid off I will never use again.

I have one account open with them. All of a sudden I'm getting bills from other places that I didn't apply for and bills on top of that. I have paid off the card that I had but somehow my payment have gotten sent back putting my bank account with extra fees. Not cool... Not to mention the harassing voicemail of I better have a lawyer when I contact them. As far as I'm concerned I paid them off and they sent my payment back. Now my credit score is very low because of them. Again not cool. Nowhere on the internet is there a number for the company customer service... But I have canceled the one card I had which also caused my drop on my credit score. So very upset I ever wanted a credit card with them.

I recently applied for and was approved for a Sportsman's Guide Visa card with a $1500 limit. I received the card in the mail, activated it, set up all the profile information etc. Two days later I took my wife to dinner and the card was declined. I called and said the account was closed one day PRIOR to activating my new card. Needless to say, I was not a happy customer. I have read horrible reviews about this company but have 3 other accounts with them and have a perfect payment record with them, so I wasn't even concerned about any problems with my new card. I was told that I couldn't be given a reason over the phone, but would receive a letter from them explaining why. That was 10 days ago and when I log in it still shows my account as active. And still no letter explaining why.

I have a Williams-Sonoma card that used to be with Barclay and switched or was bought out by Comenity. I didn't know until I went to make my payment. I finally called the 800 number on the back of my card and the lady was very helpful. She informed of the switch and gave me directions on how to create an account with Comenity so I could pay my bill online (which is how I pay most of my bills these days). That is where the problem occurs. It is damn near impossible to even get on to the Comenity website. I tried from my home computer, phone, work computer... all to no avail. I finally had to call the number on the back of my card again (as this was the only way I could get a hold of anyone) and once again the lady was nice and helpful and let me make a payment over the phone with her. I have never come across a company that made it so difficult to make a payment! At this point, I will be paying this card off as soon as possible and closing the account.

If I could give Comenity zero stars I would. I had to go out of town for a week, and I forgot to pay my Comenity credit card bill before leaving town. This caused me to be late paying my bill because I did not have the card with me so I had to wait until returning home before I could make the payment as I had not yet set up an online account with them. These people were calling me at least 10 times per day. Their behavior borders on harassment. I am definitely canceling my card with them, and I will no longer be doing business with the store with whom I have the card (Stage). My advice is to avoid doing business with this company at all costs.

This was my first time dealing with Comenity Capital Bank of Columbus, Ohio. I applied for Boscov's credit card but I was told they could not verify my credit report at Experian because it was locked. Comenity said I should apply again after I unlock my credit information. I contacted Experian and they told me it was not locked. I was able to get my free credit report. I requested Experian to unlock it for two weeks period so Comenity Capital Bank as a vendor could have access to it. I wrote to Comenity about my action.