Bread Financial Reviews

I am in the process rebuilding my credit after a bankruptcy a few years ago. I opened accounts with a small limit with some different businesses that use Comenity (mostly fashion/retail). I have paid all payments on time and all of a sudden, they lowered my limits due to a temporary decline in my credit score due to an error that was taken care of. My score recovered after the error was taken care of but they used that one moment in time as an excuse to lower the ;limits on all the accounts that they service, which in turn caused my credit score to go down more. I am in the process of paying off and closing all Comenity serviced accounts. The Businesses (as well as Comenity) will be the ones to lose as they will not get my business anymore.

This bank sets you up to fail. They provide you the minimum payment, which goes down every month. So you pay it on time, every month, thinking you are on target. Nope, this predatory bank is depending on you having a balance at the end, so they can charge you INSANE interest. 4000 bed set, added 2400 in interest?! They do not send an email or letter saying “Friendly reminder your promotional time is nearing an end!”s. Just a little line item in small print on the last page of your statement.

I have a few different Comenity Bank card from various stores. While most have auto pay, New York & Company does not. Every month I go in and set the payment to pay off the balance. SOMEHOW last month it didn't take. I called to get the $27 late fee reversed, and they said they only do that once every 18 months. I told them in 2019, there is NO REASON any company shouldn't have auto pay. They told me that New York & Company OPTED OUT of auto pay. So yes I will be doing a review for them next.

Purchased a watch in the Bahamas at Little Switzerland with 24 months FREE FINANCING and made every payment on time. Made my last payment on the day I made all my other payments & had a zero balance. Comenity charged me $3921.94 interest!!! I called and they told me the last payment was due early and there is no way to reverse the charge. What a SCAM. BEWARE!

Hello. Comenity Bank needs to be investigated on the many complaints I see here. I myself need to post this issue I see. For some reason I seem to be Comenity's bank target. They own Pier 1 and Express stores' credit accounts for charge cards. Even though my account has maintain a good standing of repayment history and usage. I have begun shopping for a home loan and all of a sudden this (Comenity Bank) decides to issue a report of decrease credit that put me in a immediate disadvantage with a drop in my credit score.

I have recently opened C21 dept store credit card without knowing that is it issued by Comenity Capital Bank. I regret my decision now. They charged me returned payment fee for the payment that I have made through my bank saying that it was my bank's fault. I explained them that my bank never stopped the payment and it must have been an error. Comenity Capital Bank manager, who is very rude and disrespectful informed me that they will not return any fees, because it's company's policy. They think they can get away with anything. Scam artists work on this bank. Stay away from them!!!

I'm a victim of identity theft. It's stated in my EQ and TU credit report but EX failed to report it. I have a police report and all. I have a 100% pay history! They dropped my CL $3000 to $900! No call or warning!That tanked my scores! I called Comenity but it was of no concern to them. They refused to pull my other bureau reports or take my perfect history into consideration. They were rude and treated me like I deserved it and I had done something wrong. The only reason I got the $900 was because my balance was $850. I closed my account and told them what to do with that $900.

I applied for a Goody's credit card and used it same day. I had forgotten about it until 90 days later when I received a statement. I paid it in full, hefty finance charges and all. I then received another late fee. I called them and explained that I had paid it and they waived the fee....or so they told me. Two months later I get another statement showing 3 months worth of late fees and finance charges.

COMENITY CAPITAL BANK is the ONLY credit card company that doesn't provide automatic recurring payments. Any payment after 8 PM eastern time on the due date is flagged as late & a $38 late fee payment gets posted to your account. You can't get the late fee reversed, even if you were 1 minute past 8 PM eastern or 5 PM western. This is a deceptive business model they have. Imagine just 1% of a million customers make this mistake every month. That's 380K in late fees they collect every month! Now, I'm assuming they have more than 1 million customers, so you could imagine how much money they STEAL from customers on an annual basis. Word of advice for COMENITY! Offer an automatic/recurring payment system LIKE EVERY OTHER CREDIT CARD COMPANY & STOP TREATING YOUR CUSTOMERS like the piggy banks.

I have no idea where this account came from, and have no affiliation with them at all. Showed up on my credit report and they repeatedly call me saying I owe them money, but won't explain why or where it came from. Worst customer service ever.

If I would of known when I opened my credit card with David's Bridal I would have this terrible of an experience, I never would of opened my account. I paid for an $800 wedding dress with this credit card. Then when I made my final payment of $120, they "sent my payment back" and charged me a $30 late fee, and a $50 payment processing fee. Which was impossible to be late because I had made my payments 5-7 days earlier than when they were due.

I have a Gardner-White credit card through this bank. I was making monthly payments for my purchase, actually much earlier than the due date because it worked out better for me that way. Last month, I a made an early payment, and I didn't realize that the last statement period had not closed yet (it was the last day before closing). When my due date came around, I still owed the minimum balance, even though I thought my early payment would apply on this statement due date. I was charged a hefty late fee and interest charge.

Comenity Bank sets up what they call an 'automatic payment' process which is, in fact, a manual process. Comenity is falsely claiming an automatic set-up, when in fact the consumer must manage the payment to ensure it is not late. They are not customer oriented, and probably make a lot of money on late fees (and ruin a lot of Credit Ratings) as a result. Be careful!

Opened a Bed, Bath and Beyond CC through this bank 2 months ago. They did not process my on-time payment until after the due date so they could charge me a late fee. When I called customer service, they tried to blame my bank. They waived most of the late fee, but not all. I then made another payment for the entire balance. I tried to use my card online and it was declined. I called Comenity back and was told that I was being punished for my late payment and was not allowed to use my card for a month. What?!? Am I in kindergarten? Horrible customer service to say the least. DO NOT OPEN ANY ACCOUNTS WITH COMENITY BANK!! They are crooks. Closed my account. This review made me give a star to process my story. I give them zero stars.

I have 4 store cards with Comenity and at first I was very grateful for them taking a chance on me and helping me to build my credit, despite the ridiculous interest rates. (I have seen worse.) I've had my cards for up to a year. (I didn't get them all at once.) Everything was great until I made a purchase with one card and realized I was over my limit. The purchase was about 25% of the available limit I'd had. I contacted them to find out why they'd decreased my limit and they said "something on your credit report". Nothing had changed on my credit report other than credit card usage (their cards). I told them I'd been using my cards for months and ALWAYS made my payments on time if not early. They apologized for the inconvenience and that was the end of it. Ok. Whatever, right?

Please DO NOT OPEN or get any credit cards from ANY stores that use this bank!!! Poor customer service, didn't send my credit card or bill on time and THEY just keep adding late fees even though I called several times explaining that I did not receive a bill or my card card. POOR customer service, still having a hard time trying to cancel this credit card I got via Ann Taylor. Never USING or shopping at Ann Taylor, they were not helpful when I called them either.

Unfortunately when I signed up for this CC I didn't know it was through Comenity otherwise I wouldn't have. They screwed me over when I tried to make a payment over the phone with them so I learned to never do that again. Fast forward, stuck with them again. I'm trying to get my card registered online, I've been waiting for my card to come in the mail, never came. Asked for them to send it again. Never came. Asked them to give me my account # over the phone. They said I had to go to a store. I'm nowhere near a store so I called them and they said they wouldn't be able to give me my account in the store anyways. Not trustworthy. I will only make my payments on-line because there is proof of transaction. DO NOT TRUST THEM!!!

They take my payment. It shows pending through my bank, but before it’s processed they withdraw. Then charge me a late fee and say it’s on my end with my bank. So I just paid full amount next month to cancel out account. But again they withdrew before payment is processed. Guess what another late fee. I’m now figuring out that since it’s 6 months no interest. They want to stretch this out as long as possible. So they can start charging me late fees AND interest!!!

I have Comenity bank credit card and I set up on automatic payments that are sent out 5 days BEFORE they are due. They routinely charge $38 for late fees because they are saying they can't control the mail. When I asked to speak to the processing department they said that department doesn't receive phone calls. How convenient!!! Every month my payment is process 3 to 10 late so they can charge the fee. Big time scam artists!

All of my credit cards at this company are all in good standing and even got a credit increase. I didn’t use the card for a little while, when I was about to make a purchase and checked my available credit, my credit was decreased. I called them the next day to find an explanation why. The Customer Rep couldn’t give me an answer, she kept saying that corporate decided it and I will get a letter to let me know. I asked if I had a late payment and she said no. I know for fact I did not because I checked my credit to make sure before calling them.

No one ever told me when I signed up for this card that I would have to drive over 100 miles every month to make payments. It was never in any of the paperwork that I had to have a bank account to make payments. (Which I do not and will not.) The closest Lane Bryant to me is over an hour away, and it has been a nightmare for me trying make these payments every month. The fact that you don't accept debit cards for online payments and then charge a $10 fee to do a phone payment is ridiculous and stupid.

I applied for an AKC Visa card, was accepted, received a bunch of letters from them, finally activated the card, and then got another letter saying they'd closed it because there had been too many inquiries on my credit report in the past whatever period of time. I just moved, bought a house, and shuffled around my finances, but I still have a credit score of over 750. I make over $150,000 a year and am single with no children. These people are morons and do not honor their commitments to customers or even do what's in their own best financial interest.

I've never dealt with an organization with worse customer service. As a former Director of Customer Service, I can authoritatively state that either they have total disregard for the customer or are just idiots. I applied for a pre-approved card. It was rejected because the address on the preapproval didn't match the application, however it did match the credit report they pulled. OK, so I applied again, not preapproved. Rejected because it was the second time I applied in 30 days. Doesn't anyone read and understand that their first error resulted in the second one. But wait. It gets better. I wrote a complaint via their web site...which was rejected because....I don't have an account!!! With an 840 FICO score, this should have been a no-brainer. And apparently those are the people Comenity hires. Avoid them.

I agree with the review that stated they hold payments and process a day later. But I am being charged a 38.00 late fee on 3/20/19 when my 200.00 payment was posted on 3/11/19. Bank is crooked and I am canceling card and will not shop from Wayfair.

I have many accounts with this bank. It's the biggest mistake I ever made in my life. After reading all the reviews, sadly I have experienced the same problems. They ruined my perfect credit. Always reducing your credit limits for paying on time and so on. We should get together and file a class action lawsuit. To top it off my debit card was hacked by one of there employees.

I had a one thousand dollar limit on my credit card. They send emails when my statement is ready....sometimes. Received no email and I thought it was odd so logged into my account. Found out I was charged whatever I bought at Bealls, which makes sense PLUS a $15 late fee. Ok, I paid it even though I never received the email. Went to Bealls the next day, waited on line 20 minutes as it was senior day. I was rejected to use my card because it “didn’t clear yet” from the previous payment. So I closed my account with Bealls because I don’t need to be treated like a criminal due to the stupidity of Comenity Bank’s ridiculous laws. Really liked Bealls, but my interaction with their credit company leaves me no choice but to get as far away from them as possible.

I sent my payment a week in advance. They charged me a $25 late fee and processed my payment the next day. Then, they charged INTEREST on a LATE FEE. It seems to me that they held off on processing my payment so they charged a fee. No help from customer service, only a comment that they don't have a "grace period". I just cancelled my account, including the VIP card I JUST received. Very deceptive practices.

I had gotten two catalog credit cards back in 2016. My credit score at the time was around 470. I have been using my credit and paying it off as soon as I could and with all my hard work my credit score jumped to 579. Well last week I received two letters from Comenity Bank stating that because of my credit score they were cutting my lines credit down by half. How does an increase in my credit score mean that my line of credit needs to be cut?

I choose to use Comenity because I like the perks of Loft. But, it's about to come to an end. I utilized a balance transfer check for 4k. My line of credit was 6k. I had no balance, and prepaid $1100.00 on my future balance. My intentions was to pay off in 4 months to avoid interest. I had several small bills that monthly draft: Internet, cell, car insurance and alarm. All were rejected due to COMENITY actions per managers >>>> "If a transfer check is used, we reduce your line of credit to 0.00 until the transaction is processed." WTF.. 1. You have not given me the $4000.00 yet, 2. I just paid 1100.00. 3. You would not allow my normal monthly drafts to be paid. 4. You just wipe out my line of credit without notice.. Who does that.

I never receive notice of a payment due and always have to remember myself. I have called about this problem before and always get a snarky remark with no help. This month I forgot to make a payment and they are unwilling to help with late fee but will send my request to a supervisor. I'm paying off my balance now and will close the account once payment post.

My credit limit was originally $600. I made a purchase of $60 and called to find out my due date. While on hold I learned that my NEW credit limit is now $100. I was SHOCKED, I asked the representative and she told me that it was in fact true. She told me that a letter was sent out a day before to inform me of the changes but the change had already been made. This is unacceptable, why would you guys change the amount before notifying your customers. This can have a major impact on people's credit score.

I purchased a mountain bike in August of 2018 with the Trek credit card through Comenity Bank. My payment due date is the 10th of every month. I set up my payment through my bank's online bill pay. I set up my most recent payment to be sent on Feb 28th and received by March 7th. When I got my statement yesterday they charged me a late fee and it shows that my payment wasn't received until March 13th. This has been happening every month since my first payment in October 2018. They did waive one late fee but that was it.

I signed up for the Ulta card at the register. Made only 1 purchase that day. I paid the full amount via bank - even allowed an extra week before due date. Guess what? It took them 2 weeks to process. I called them and said - "You charged me a late fee but you took 2 weeks to process an electronic payment!" Lawan said to kick rocks, he didn't care. I cancelled the card promptly. Comenity needs to be investigated for their flagrant fees that they purposely cause.

I opened an account and bought some merchandise online. I never got an account number. I set up electronic access (which still did not give me an account number) and was immediately locked out so I could not access it, either. I never received a paper bill. I got a phone call AFTER the account was past due for the payment date and a late fee was assessed to the account of $10 (mind you, I could still charge to the account through the online shopping site) and told them of my predicament. I paid more than the minimum payment and set up another payment well in excess of the minimum payment (4x, actually) and thought it good when I confirmed my email address, phone number, AND home address, and was assured that I would receive paper statements as well as confirmation when my payment went through. They did waive the late fee. Then, I waited. And waited. I never got a paper statement, nor did my payment go through.

In a phone call totaling over a half hour, Credit Card Service & Customer Representative Veronica (Agent # **) was not helpful whatsoever. I called around Noon MT to dispute ANOTHER charge on my account (I was incorrectly and inconveniently charged twice for the same purchase several weeks prior and already went through that nightmare once).

I opened a Zales credit card with Comenity just about a year ago and I opened a Victoria's Secret card, just over two years ago with them as well. I have NEVER been late, and I have NEVER paid less than the minimum, AND I have never had a payment return. A couple of months they decreased my already small limit on my Zales card from $550 to $200 right after I paid the balance down to $196. Well, this makes my card look maxed out even though I've never maxed the card out with them. I paid the balance off a month later and closed the account.

Horrible experience! I had the worst experience with the supervisors at Loft/Comenity. I will start by saying that my credit score is 800, so I am very good at paying all my bills. I was late with my January 28th payment because my mom passed away on January 21st and I had to leave the country. Upon return I called the bank and asked them to waive the late fee in view of this unfortunate circumstance. I was told no because they already waived a late fee in November and can do that only once every 18 months. I asked to talk to a supervisor, his name was Marc, told me same thing. Asked to talk to somebody above him. He said nobody was available!!! I said I will wait on the phone until somebody will be.

NEVER open a credit card with this company. They are unethical and use underhanded tactics so that they can charge you a late fee and finance charge which they refuse to remove even when you pay your entire balance. The people who work there are rude and unprofessional. Too bad both Victoria Secret/Pink and Ann Taylor/Loft both use this company. I have now closed both my store cards with them and no longer shop there.

Purchased a credit card from Comenity Bank that was offered through “The Children’s Place” store in the Duluth Miller Mall in Minnesota for 30% off or so on first purchase. Never was billed until I received a bill five months later for four months of service charges. This cannot be legal. A $22.00 dollar charge turned into a $110.00 bill. I have the highest credit rating and owe not a red cent to anyone or any bank. How do you fight this? Buyer beware and ask first who offers the card and make sure you record all calls and email notifications which I never received. Stay away from Comenity Bank. We need to sue as a class action suit for fraudulent billing.

My card was set up to for an automatic payment. They never took the payment. They will not refund $52.00 in late fees. I got a NY & Co credit card and buy a few hundred dollars worth of clothes and pay the card off. They did not take the payment in December. I paid the balance with the exception of the late fees in hopes that I would get my money back; they refuse to give me my money back. The customer services reps are very condescending. Jeff #** & Michelle #**, I believe are made up numbers because "Michelle" hesitated when giving me her ID. Ran me around in CIRCLES just basically making me look like a FOOL! I would never get a card from them and just because NY & Company uses them, I will not go back there!

I have several cards through this bank, I was recently late on two cards hindsight and they refused to take the late fee off. I have never been late, always paid more than the minimum payment. They decided to reduced my credit limit, without a written letter. I was only notified once a purchased was declined. When I called to speak to a representative very rude and unprofessional. Another reason why I paid off all my cards through this bank and will continue to use my major credit card.

I applied for a credit card and was denied stating the applicant is deceased, which I am oblivious not. When I researched with the Credit Bureau, they did not have a deceased indicator. My credit score is 830, so this company is questionable at best.

This is a bad credit card company. They have exorbitant late fees and won’t waive them even if it is their fault. Customer service is very rude. Their online payment system is not very well maintained. I had a Comenity account closed and the online account is still open after 6 years. Not a secure company!

Was on hold for more than 45 minutes to speak with a customer service agent. Even government services of shorter hold times. I applied for an account and didn't receive a confirmation because the website timed out. I wanted to know if my account was active or not.

My husband and I stupidly financed my engagement ring through Zales/Comenity for a balance of $300. We have been prompt with our payment every single month, only being late once because we didn’t have an auto payment set up. Since then I have paid at least the minimum balance, but have noticed on my bank statement a mysterious $27 charge under their name that appears a couple of days after my payment is confirmed to have processed. It looks like a late fee, but doesn’t reflect on my Zales account statement, and it appears as though my bank rejects it every time thankfully.

Where do I begin with this company? I financed my wife's wedding ring from Jared jeweler and Comenity Bank handles their financing. I sent them three individual money orders that were dated. They were for a period from September-December of 2018. Somehow they still charged me a late fee saying that I have to pay a bill every month. Really? I sent you the money BEFORE it was even due. They claim that since the payments came all in one month that it still left me on the hook for a minimum payment the following month. YOU HAVE GOT TO BE KIDDING!! Needless to say they never explained this "policy" beforehand. Comenity Bank is now the reason that I will think twice about doing business with Jared. Nothing is more unethical than forcing people to have to pay late fees.

My Eddie Bauer bill was due on February 12. I sent my check for $160 on February 5. Now I have another bill that shows they haven’t processed my check and they’ve added a late fee and a finance charge. They also say that they can accept another check but they can’t credit back my finance charge and late fee. The fact that Eddie Bauer has chosen Comenity to manage their billing is now a disappointment and I will only use my Visa to make purchases there. My husband warned me not to open this card but it was a $50 savings. I am done opening credit cards for “savings.”

Customer service agents have been calling my work number every hour and leaving harassing and threatening messages. I am well aware my account is one payment behind, which I am bringing current this week. I have never given permission to be reached at my work number. I have made several requests for them to not call my work number again but these have fallen on deaf ears.

I purchased a couch through West Elm and financed it through Comenity credit card. They do not give you a automatic payment option, they do not let you schedule more than 2 payment in advance. Basically it is a system that forces you to end up being late and paying the FINANCE CHARGES. I just forgot to pay in time because normally I do everything in auto pay. Now I have 360$ of FINANCE CHARGES that I have already paid on top of the cost of the couch. Basically free money I am giving to Comenity. THIS IS FRAUD. THEY SHOULD PROVIDE CUSTOMERS WITH ALL TOOLS TO PAY IN TIME.

My husband passed away suddenly in October 2018, and I did not know which of our mutual credit cards I could still use--that is, I did not know on which cards I was listed as only an "authorized user." As a result, I panicked. This was certainly not the happiest time in my life, and I was (and still am)grieving. I applied for numerous credit cards in my name alone, with the "Bed Bath and Beyond" card one of them. I paid all three small bills in full and on time--none were over $50. I found out that they permanently cancelled my card because of all the "inquiries" made by other credit card issuers, that resulted from my attempts to open credit cards in my name alone.

I have been a customer for many years- No late payments, never over my credit limit. Recently I received alerts for my Experian credit report saying that ** account credit limit decreased (for about 6 accounts). Then I received a few letters in the mail that my Boscovs, Catherine's, Jessica London accounts have all been closed due to inactivity. This bank is ruining my credit. They have lowered my credit limits by thousands of dollars on the accounts that I use- making it look like my utilization has gone up, when it hasn't. The letters (that take forever to come) say that my credit score has changed. I monitor my credit closely and there have been no major changes (Experian, Transunion, or with Equifax) and when I sent their customer service proof that my credit score had no drastic changes, they invited me to reapply for the cards. I won't ever do business with them again.

A company called Alliance Data has been calling me about a so-called "urgent matter" related to my Comenity Bank account since November 2018. I haven't used this card in at least 5 years. In fact, the card is still under my maiden name, because that's how long it's been since I've used it. I never updated it because I completely forgot I had this card. Fast forward to now. I get at least 3 calls a week from Alliance Data, claiming that I owe a debt for this card. I've asked them repeatedly to verify this debt in writing, but they haven't sent me anything. I know I don't owe this debt. Which is why they can't provide written verification for it.

I never received some of my statements with them in the mail or online. They constantly call harassing messages and the customer service is horrible. If you are one day late they are calling threatening you and won't give you a explanation to why you never received a statement. I wish I would of stayed clear from this company.

After receiving my first statement I decided to set up an online account to pay my bills to avoid late charges and interest. My son helped me and decided to pay the bill in full two weeks before due date. He paid using his bank routing number and account number which has sufficient funds during the month we paid. The next thing I got was letter suspending my credit card for returned payment. After we made a payment at store in full, I called the customer service and spoke to the manager who explained that the extra fees are not reversible and the account will stay in suspension for three months.

I have had this card for 5 years. If I have a balance it’s small. I’ve never missed a payment or paid one late. I paid the card off two months ago and today I get a notice from a Credit Karma that my account had been closed. They didnt notify me at all. No phone call, no email or letter. They won’t give me any information over the phone or even try to reverse it. I was affected by Hurricane Florence and yes my credit rating has gone down due to lack of payment from the insurance company but according to Comenity they were here for people affected by the hurricanes. This is total **. All they did was hurt my credit even more by closing my account for no reason.

I got a Comenity Bank Credit Card because I am a member of BJ's. It is one of the worst banks for Credit Cards. They charged me 85 dollars just because the payment (I make payments in full) came into the system one day late. I called them and literally fought with the customer service to waive the charges. But they wouldn't. This is the craziest bank that you can ever deal with. Now I am stuck with this credit card as it is the only credit card that the BJ's accepts.

I have had an Ulta Beauty Ultamate Rewards card for over a year and always pay off my balance so I’ve never paid late fees or interest. So I decided to get a Love Loft card around Xmas and got approved with a 16,0000 credit limit. I spent around 100 and paid off the balance. Today I opened my no balance statement and my credit limit has been reduced to 8,000 for no reason?

Comenity definitely is the worst bank I have ever dealt with. I financed dental work with My Smile Care/Comentiy bank and the calls from them started the day after treatment telling me my payment was late two weeks before the first payment due date. They offer very little help when trying to set up online payments through the website but constantly hound you about making payments. Example, Today is 2/7/2019, my due date is 2/27/2019 but I am already receiving multiple (4 within 5 minutes) robocalls for collections on my current account. Stay away from this bank at all cost!!

I've had Comenity. I only planned to use it once, it was for an item I needed, really needed and couldn't afford to buy it all at once. I had numerous problems with them setting up the account that caused me to be late for some payments, the lack of a start date also meant the settlement date was iffy too. They overcharge me quite a lot even though I made sure to pay on time and even overpay a little.

I just want to say, that I have better cards with better benefits and flexibility with payment hours, etc., but the cherry on the top was a rep- Arturo, very rude, didn't listed what I wanted to do. I have 2 accounts and I wanted to pay off and close 1 account and make a payment on the other one, but he was shouting: "You must make a payment! Ma'am you must make a payment!" Seriously... Rude imbecile.

Opened a West Elm credit card and waited a few months to use it for the first time. Went to use the card only to have the purchase declined. Called to see what the problem was, and they said they closed my account because my credit score had declined since the card was opened. I have other credit cards that are with Comenity and I’ve always paid more than the minimum due and on time. Don’t appreciate the fact that they close customer accounts without notifying the customer. I’ll be paying off my cards and using other credit cards for future purchases. Comenity treats their customers like garbage.

If I could give this company a -0, I would. Horrible business practices making it difficult to set up automatic payments. I have paid off this account and closed it three times and still get bills saying there are issues with the billing cycle and the fees generate additional charges. This is a complete nightmare. I work really hard to maintain a good credit rating, and this company is unscrupulous. They take advantage of consumers. Run away and don't get a credit card from this company. I am going to the Better Business Bureau and State Attorney General's office.

This credit card company tells me that my payment is late and then charges me a late payment fee EVEN WHEN THE PAYMENT IS ON TIME OR EARLIER. I have never made a late payment to any company, yet this one company tells me I am always late. I check my bank. The payment cleared ONE WEEK before the due date, and my Comenity statement says the payment was one week late. DON’T USE THIS CARD.

I opened up a Children's Place credit card with this bank. I always paid on time. I even scheduled my payments before they were due or even told me my minimum payment due. I missed a month by $5 (I went by what I paid the month before as it should of been the same). Next thing I know I'm hit with late fees over $5. You would think since I paid before the due date they would send some sort of notification that I have a payment due. I called to see if they could possibly help with the late fee since I had my payment set up before I even knew what my minimum payment was supposed to be and explained what happened and they had no care in the world. STAY AWAY FROM ANY CREDIT CARD THAT HAS TO DO WITH THIS BANK!

Approximately two weeks ago, I applied for and was approved for a Bed Bath Beyond Mastercard for $1,000 limit. Received the cards a few days ago and, this past Saturday, attempted to use for a purchase. The card was declined - my husband tried his...same thing! I called and was told something appeared on my credit report and so they closed it, and it can’t be reopened. Most of my other cards are with Comenity and there have been no issues - no late payments - NOTHING! I am pissed!!! They obviously ran my credit report to approve me!

The bill was due on 1/13/2019. I initiated online bill payment through Chase Bank which was sent on 1/7/2019 (proof of payment given by Chase Bank). Comenity Bank said they did not receive payment until 1/16/2019 thus they charged me late fee $27 plus finance charges $1.57 for a balance that was only $36.75. They refused to remove these fees even after I showed proof of payment from Chase Bank that my money in my bank account was taken out by 1/7/2019.

I had my card for a year before using it (put $150 on the card). I had lost the actual card and called in during December 2018 to get a new one. I was told a new one would be sent out but I didn't receive it. I missed the December payment (the first and ONLY miss). I made a $37 payment January 4 to bring my payment current. Good to go right? Wrong.

This company is in fact a scam. Customer service is horrible. It’s all about the money with them. Come on now. It’s 2019 and they don’t have a autopay in place for the Victoria Secret or Wayfair card holders by now. Seems they are not making it easy to pay (want you to be late) and get most of their profit form late fees. It’s always a issue but my most recent last straw was them charging $37 for late fees that was inappropriately charged. Had experienced problems with the site not accepting my payments for 8 months. No one was able to explain why all of a sudden my stored checking info was not working for payments. I would have to walk in my payments or call or mail in. For me it’s a huge inconvenience because I’m busy. It would be similar to set up auto pay or log on to pay but neither was available & if I call in I would have to spend hours on phone explaining each month. Bottom line - this company needs to fold!!! I’m done with them.

I was tricked into getting their credit card saying there was no interest. "It really wasn't a credit card. More like a membership card. It won't go on my credit." Also that I would get discounts (not just points for discounts with everything I buy with the card). I got a discount for my first transaction. That was it. I paid it off there and then. I made another $70 transaction a few months later. That was in 2016. I have paid them hundreds of dollars. I set up the auto pay (they charge 10.00 to pay over the phone) and they take out the money a week after and charge me 32.00 late fees and 3.00 interest after it shows on their site it was paid the day I asked them to take it out. Then they reverse the charge and charge me a 25.00 fee for that.

Charged me late fees inappropriately. Failed to send me a welcome letter to my address. Had no way to pay balance. Got a robocall which I then got access to my account number for the first time to pay my balance. They never corrected the late fees or interest on the late fees. Kept charging interest. The account reached $676 from $40. They also sent to collections. When trying to resolve the collections they claimed they don't have my account details. They claimed late multiple times on my credit report even though I had NO balance with them. STAY AWAY. THEY ARE SCAM ARTISTS AND OPERATE TO THEIR BENEFIT ONLY. I had over 30 calls with them throughout the life of the account with calls lasting over 30 mins to 2 hours at times. They always said a supervisor would get back to me or they would correct the account. Never happened. They claim they don't have the ability to that. A computer does it for them... Shaking my head.

I've been with this bank 3 years. Paid payments every time on time. Before I went on Deployment I schedule payments to be submitted. Before I left told me they don’t do autopay? Sounds like they are trying to screw you right? I finally get signal 3 months later and check my account and I have 3 late payments. I call them. Told them we talked and they said they would fix. I paid the remainder off afraid that they would do the same. Guess what 2 months later I arrive back in the states check my credit. Bam 2 more missed payment. I asked what did I owe. I paid it off. Everything was a mistake to begin with. They told me that after I paid the 759 off that two days later a late fee posted for that and now I owed 120. Lol on a zero balanced account. Please turn away. Do not I repeat do not trust the bank. ZERO STARS!!!

I made 2 purchases at Overstock in November. Both were purchased with deferred interest if paid off in 12 months. Got my first statement from Comenity, and nowhere does it show that I have that plan. Called them. No record of a deferred plan! I told them I absolutely made the purchases with that plan. They told me my account will be in dispute, and I’ll get a letter in 2 weeks. Overstock cannot confirm it either. So, I guess it’s my word against theirs. After reading some of these reviews, I’m not hopeful. I guess they want their interest. I would never have made these purchases otherwise. I don’t have 800.00 to pay it off. I am so upset!

I wish I can give a -5-star rating! Why can some company ruin our hard earned credit score just with a blink of an eye? I have a J.Crew store credit card which I rarely use and when I opened it I asked for a low credit limit around $800. My credit score is in the 800. Before Christmas 2018 (Dec. 21), I shopped at a J.Crew store to buy plaid shirts I need to wear for family holiday party, and I used the store credit card (by Comenity Bank). While paying at the register, I asked store employee to tell me my balance so I can pay right there at the store. Worker told me I can pay but can’t tell me my balance. On Jan. 3, while doing online banking, I saw that my credit score dropped by 50 points... yes 5-0 POINTS!!! And I look at alerts and it showed it is because of a late payment with Comenity Bank.

I am Disappointed with COMENITY TOTAL REWARDS Visa fraud department... I have a $26,000 credit limit. I spend over $30,000 a year on this card for Business and personal use. My wife call COMENITY to check on Supermarket PURCHASE she made and Comenity fraud/customer service department block all my cards without notice or any form of COMMUNICATION... (My wife is a AUTHORIZE USER). I am the primary cardholder, I FEEL like they should've call me to let know they're blocking or to verify information. Instead I went to USE the card at the restaurant AND THE CARD was denied, That was very EMBARRASSING FOR ME, WHAT IF WHAT WAS THE ONLY CARD I HAD ON ME.

Like many reviewer here, I too am incredibly disappointed that Comenity would close my accounts due to inactivity. One card was Pottery Barn. I had just furnished my house a little over a year ago and had planned to buy a new sofa for Christmas. This is how I learned my account was closed. Then I checked my credit report and score which had tumbled due to the closing of 3 accounts. I called to try to reason with them but no luck; so I wrote an email through Pottery Barn even stating I was prepared to make a purchase. I received a response from Comenity saying they did send notice...to the credit bureau after it was closed. SMH. Sending it to me would have been useful. At least I would not have been embarrassed trying to use the card. I learned later that banks can do this without notice so lesson learned. They weren't great cards anyway but I liked the stores and the rewards. I think Comenity could and should treat their customers better.

I had always paid my account off as soon as I got something out of this store called Goody’s. I had a small $200 limit. I got like $50 worth of stuff and tried paying my account right off but my phone number was changed by somebody in a call center doing a skip trace so my account had the wrong info so they could not look my account up. I travelled and moved and had other people trying to pay my bill but my info was wrong still and they could not pay it. After 7 mos of this foolishness I came back to settle this bill and a really slow stuttering dude took him over an hr. for him to find my account because some employee put bad information in their notes and my file. This nice stuttering fellow informed me that my bill was now $328 to settle my acct due to no payments and they have policy where they can charge up to 100% interest on the bill.

Very disappointed with gimmick by West Elm and Comenity Bank. I was told when I signed for West Elm credit card I would receive $25 for every $250 I spent. I had over $2500 in purchases and waited for my rewards. It has now been over 8 weeks and I have yet to receive anything from West Elm or Comenity Bank. When I made inquiry to Comenity, this is the response I received. "I apologize for the inconvenience and concern this has caused. Lost/stolen rewards and rewards 'not received' cannot be replaced." Use other credit cards that provide genuine rewards, not these renegade ones that are nothing but gimmicks.

The worst customer service ever. Never received bank statement on time. Payment on due date or later, because of that, and late fee $38. It's ridiculous. What about bank grace period? Stay away from this piece of garbage.

I have been working on a dispute with the financial company that manages various retail credit cards. The statement 8/25/16 reflected the purchase made on (7/16/16) and returned credit (8/1/16). When receiving 9/25/16 statement the 7/16/16 purchase reappeared with the same differed reference number and purchase date. I submitted the supporting documentation to Comenity dispute center which denied my claim. They didn't give a reason. Only it was not a valid claim. I resubmitted the dispute. When receiving 2nd denial I contacted the customer care/credit department.

The complaints in here bewilder me. Of course you will incur late fees if you pay your bill late; of course you will incur interest charges if you carry a balance. After a bad relationship failed and took my credit with it, I stayed off the grid for 8 years. When I was ready to get back into the game, Comenity was one of the only banks willing to take a chance on me -- a middle-aged woman with no credit history. I've paid my bills on time well before the due date and I've paid more than the minimum due. I've never gotten a phone call from them and their websites are remarkably easy to use. The people complaining here are either bad at paying their bills on time or bad at understanding how online billing works -- I've had no problems whatsoever and I've received generous credit line increases already. Comenity is a great bank for rebuilding credit provided you actually plan to pay them back on time.

First, they kept increasing my credit line - when I never authorized or request any such increase. Then they would constantly email me with "offers" to use my cards. I had several of the credit cards under them and had zero balances on all of them. Next thing I know, I start getting letters saying they closed my accounts for "inactivity" and because of my credit score. Now mind you, each time they increased my credit limit, it dinged my score because of "available credit" to equity ratios. I'm not going to hold it against the stores themselves, but I will never... EVER... sign up for another Comenity card. These people are the worst! Whatever other cards you carry - dump these!

I need to start by saying, I do not EVER make late payments. I'm two months ahead on all my bills. So imagine my surprise when I received a call saying I was severely delinquent on my account. I told them this was impossible and they said I had paid a day late so they charged a $24 fee. Then three months after I paid on time I received THIS FIRST ATTEMPT AT CONTACT, I was told that the late fees on the late fees were upwards of $270. WHAT?! I not only had paid on time but I even asked the girl if I was all caught up to date and she said, "Yes, you paid on time so there won't be any late fees."

I did cool sculpting in 2016, and my overall bill came to $10,000. Since the time the bill was generated, I have been paying thrice the minimum payment amount every month, and I paid almost every payment without missing any monthly deadline. Late 2018, I was busy with my work and didn't realize that the promotional due expires on 12/5/18. There was no intimation regarding the expiration. I read my email, & noticed that my remaining balance was $2700. I was really shocked.

I opened a credit card through this bank at Wayfair.com and BJ's. I just received letter stating that Comenity closed both credit cards. In the letter it shows that my credit score is 829. Reasons for closing accounts. #1 - NO real estate accounts with valid credit amount. WELL THERE WOULDN'T BE AS I PAID CASH FOR MY HOUSE. #2 - Too many open bankcard accounts - HOW MANY HAVE OUTSTANDING BALANCES I ASK - NONE. #3 - Available credit on open revolving accounts is too low. READ #4. #4 - Sum of balance on bankcard accounts is too high. Huh - these accounts are paid in full each month - so how can they be too high - and for #4 have they looked at the amounts???

I called to make payment on call center and was informed that I would be charged a fee amount of $9.00 which is a bit high for a service charge. What happen to the customer comes first, and to be grateful for my business.

Been fighting with them almost one year. Made an online payment of $3000 and they can't find it. I have supplied bank documents sent numerous letters and all I get are letters stating to contact my financial institution. Horrible service. Don't use them.

Don't bother. They play with limits constantly decreasing even if you pay on time. I didn't use one of their cards for only 4 months and they closed it without even informing me. Not worth the inquiry on your report.

This has been the worst credit card I have ever had. I got behind on payments due to a job loss and tried to make arrangements. I paid what I could and their debt collection department would call me 6-8 times a day. Sometimes more. I have since then closed my account with these people as the fees and balances kept getting higher. These people have the worst customer service for a credit card company and I will never ever get another store credit card through Comenity bank in my whole entire life.

DO NOT USE COMENITY BANK FOR ANYTHING!! WRITE A CHECK, PAY CASH, BUT AVOID THEIR CREDIT CARD. The billing cycle is as difficult to understand as their customer service staff located "Offshore". They are reading off a script as English is their second language, they use fake American names and one even tried to get me to pay my bill a second time. I paid the bill in full to have to not deal with them. I suggest everyone do the same and keep every statement for verification of facts. One rep had the audacity to ask what my second cell phone was for?? I dont have a landline, it was none of their business. I am writing because I was in customer service for 30 years and would never talk to people in this manner. It is too bad the merchants I like use this bank. I plan on letting the merchants know what a bad experience I have had and it will affect my shopping habits.

I signed a finance agreement with Ideal Image for $3500. My payments were supposed to be interest free. Ideal Image set up a payment schedule of $150 per month but Comenity Bank bank billed me $75 per month. I sent in monthly payments to Comenity Bank ranging from $100-150 every month, thinking I was getting ahead because I was unaware of the deferred interest penalty if not paid in full within 24 months. I never missed a single payment, nor was I ever late. On the 25th month I was slapped with a deferred interest charge of almost $1200! When I called the customer service helpline no one could help me. I was told to send Comenity Bank a written request by mail. After sending a written correspondence Comenity Bank would only waive $390 of the deferred interest, even though I paid the remaining balance in full merely 8 days after the 24th month. I will never do business with this bank ever again. Lesson learned.

Comenity Bank is the worst bank ever. Beware!! I had a Pottery Barn card. Been making payments. I got behind one payment. Decided to go on a payment plan then pay a large sum in a few months then get rid of the card. They called an associate of mine's sister whom I don't know and have never met and told her, I have her listed as a reference. Which was a lie. Which could have resulted in me being bought up on fraud charges. I am now taking legal actions against them.

DON'T EVER OPEN A CARD WITH COMENITY EVER!!! I opened a card while in BJS last month and was planning on making this my major card to use for all purchases. I thought my payment due date was the sixth of the month, and paid my bill on that date. I was wrong and it was due on the fourth. My full statement charge was $71.01 which is what I had paid. They charged me $27 late fee and $90.63 for a finance fee. I called Customer Service in Kansas City and spoke to Adrianna (Account Supervisor) and Brady (Sr. Account Manager) and requested them to waive the finance fee and late charges, but they refused!!! I told them that I am never late with my bills and that this was the first month of the card. They still refused. These fees were $117.63 which is almost $50 more than what was due.

I sent in a payment to pay my Kay Jewelers balance. The payment was applied to my husband's account in error. As soon as I received both statements showing the balance remaining on my account plus late charges, and my husband statement showing a credit balance in the amount of the payment submitted for my account I called Kay’s. I was advised they would file a payment dispute to Comenity Bank for corrections and all fees would be waived. I received a letter from Comenity requesting proof of error. I sent a detailed explanation along with copies of both statements. The following month I received a collection phone call for past due amount on my account. I called Comenity Bank and spoke to 3 different individuals customer service representatives, Supervisor and Sr Supervisors. I had to pay my balance again and credit would be refunded from my husband's account, not ideal but acceptable.

I had a Lane Bryant Credit Card, in good standing, with a 600.00 credit level; used the card once or twice and decided that I didn't shop at Lane Bryant enough to warrant a credit card. Then, a second card appeared, through Lane Bryant, that I don't know anything about and have not used this second card to purchase a thing from Lane Bryant. The second card has incurred late fees for a purchase that I did not make and upon asking for proof of the purchase and my signature - none has been provided. Now my credit score has taken a hit - numerous phone calls to my cell phone - monthly statements with the mounting late fees - calls to an ex-husband claiming that Comenity didn't have a way to reach me, when they are calling me on my mobile phone. Calls to my in-laws in another state trying to locate me - and then numerous emails telling me that my home address, which is not a PO Box, is not accurate, but yet I get a statement every month.

The worst card ever!! 3 years with them and have been nothing but loyal. Lowered my CL by 700.00 during the holidays, now it lowered my credit score. Never received notice or ever missed a payment. HORRIBLE! Used to be my favorite card but I’m done with them. Please don’t let them do it to you, not worth it.

I made the mistake of signing up for a J.Crew Store card when they were running a promotion, thinking I would get some added savings and benefits. Such a huge mistake. Wish I could go back in time and undo. This company is predatory and abusive, taking any and every opportunity to damage your credit. The first month I had the card I had a hard time figuring out how to make a payment... Setting up and accessing my new account online was a headache and my first payment was late as a result. Not even 30 days. Guess what. They dinged my credit score. A score I had been working very hard to improve. I then realized that there was NO WAY to set up autopay on the account, which made it difficult to pay bills. I'd need to log in online and manually pay every month... a hassle I haven't had to deal with for nearly a decade.

I have paid this bank on time every time since I have had an account with them for about 3 years now. This month they have greatly destroyed my credit by lowering my credit line to the amount of my balance. I owe on one account $2,370 and they lowered my balance to $2,400 which makes me look like I have almost maxed out my card. To top it off they have done the same with the other cards too. On one I owe $96 and they lowered the credit line to $100.

I am currently fighting with this bank (unsuccessfully) to have them remove excessive late fees. I made ONE purchase, paid in cash at the store a few weeks later which was one day past the due date and I am now accessed 60$ in late fees on a paid off $38.00 charge. I am adding this review so that whoever has a problem with this bank will know to SUBMIT a complaint to Consumer Financial Protection Bureau. Hopefully if enough people do this, more customers won't get screwed.

I have a few store cards through Comenity Bank, and just astonished how they can cripple a person's credit score, just because! I have NO LATE PAYMENTS, pay much more than what's actually due every month, and just found out that my credit limits have been lowered, which in turn, has ruined my credit. How can they get away with this? I had no clue the card's limits were lowered until I just checked balances to begin shopping for Christmas. I thought I had a few hundred on one card, several hundred on another (all in good standing with NO LATE PAYMENTS) and was shocked to see that they had lowered my available credit. I don't understand how they can just crucify someone's credit rating/scores without just cause?

Always, always paid on time. They decided after 4 years to pull an UNAUTHORIZED credit check on me and dropped my line of credit to almost nothing because they did not like my new score. (Not even sure it's right.)

Comenity Bank does not process the payments they receive in a timely manner. I scheduled a payment on the 12th and they didn't attempt to take the money until the 24th. By the time they tried to take it, it was already spent because I thought they took it already. Then after that they ruined my credit report by stating that I didn't pay on time and then began calling my phone ten times per day using different phone numbers. I WILL NEVER GET A CREDIT CARD WHEREAS THEY ARE THE FINANCING BANK EVER AGAIN AND NEITHER SHOULD YOU.

I have a Venus credit card. I had a payment due in the beginning of October. I made a late payment mailed out on Oct 28. I made the payment for more than what was owing. I kept getting phone calls from Comenity coming up as fraud or spam. The problem is, the call with auto answer on my phone. In other words, they not only called, but also had the ability to answer my phone without my consent. It was freaky! I checked my bank account and nonpayment was processed. However, I kept getting the automatic calls that also answered my phone, with the ability to listen in on my in home conversations... Their calls were also able to hang up my calls if I was on the line. So I'm talking to my cousin in the phone, I get that phone number calling me, I don't answer it and continue to talk to my cousin and it hangs up my conversation automatically. Super freaky and WRONG!!! DO NOT TRUST COMENITY BANK. THEY ARE FRAUDULENT AND SCARY!!!

I had a Hot Topic card through Comenity Bank. I used it a couple times throughout the year and normally paid it off in a few months just to keep the account open. I had used it, then went through a divorce, and because of that I was out of work and not able to make a payment. That's fine. I'll take the late fee for that. I got a job, but my card was due on the 4th and I don't get paid till after the 9th. I called them and waited on the phone for what felt like forever, then spent even more time with THREE, very rude, different people who all said 'we can't do anything until you make a payment.' I'm sorry - I have $10 in my account and I don't get paid until the 9th. Long story short - They didn't even try to help. I am dissatisfied with their "changes" and will be canceling any and all cards I have through them.

I bought furniture from El Dorado. They sent me inferior damaged goods. The next thing I know I am being threatened by a Comenity bank. Comenity refused to consider my dispute and correspondence. I sent all documentation that I had. They charged my El Dorado Blucard 51.77 (after I had the money returned to my account by my bank due to a dispute), without authorization or signature, or permission. Senior account executive refuses to contact the store itself. Comenity is adding finance charges on top of the illegal charge. I do not owe Comenity any money. In fact, El Dorado owes me 114.22. This has been verified by El Dorado. El Dorado and Comenity say they are not the other company, so whatever dispute I have, I have to contact the other guy. El Dorado has closed my account, and cannot access the information. This cannot be accurate.

BEWARE! My experience with Comenity bank has been a disaster. Although I provided proof of payment they reported me as delinquent dropping my credit score 75 points!!! Then the send me a letter stating they've dropped my credit account to only $100!!! My credit score is the same as the day they approved me for a credit card. This is NO way to treat anybody.

I have been a Pier 1 customer with perfect pay for 20+ years. Comenity bank sent me a letter that they were closing my account because I use PO BOX for mailing and they couldn't verify my physical address. They advised me that they use an auto dialer to call and check and of course I would never take those calls. I was advised I could have my account re-opened by sending all my personal information by mail and when I called after sending they advised me couldn't open my account and the only thing I could do is reopen a new account which would affect my credit score. Stay away from this company!

Stay away from any cards by Comenity! I have about 7 cards with them, never late on a payment. I recently paid off a few and made some large payments on others. Today I got an e-mail from a credit monitoring website that my score had dropped due to a creditor closing an account. I checked, they closed my Pier 1 account with no notice! I've never been late on any of my payments, and in fact pay them early. I had 500.00 available credit, with 0 balance, and they closed it for no reason!

I had gotten a $4000 limit at Zales for a purchase. Was told to pay it off in a year no interest and they told me how much to pay for my final payment. I paid it and 2 weeks later they added $467 to my bill saying I owed $30 off my final payment and no one can adjust it or help. I have to pay it off. Stay away from this bank. They are out here to rob people.

No clear answer and claims that they are in the 'Right' to do this. They might be but it is NOT ethical at all. 12/19 Promo Finance Charge 657.72, 1/12 Finance Charge 657.72, 1/12 Promo to Revolving 1,873.31, 2/9 Finance Charge 58.97. My original purchase was for 2,194.31. Current balance with consistent monthly payments 2,039.61. I owe only 100.00 less than the original charge 2 yrs later. Will NEVER use them again. Will be paying them off this year.

I had a Victoria's Secret credit card since 2002. I had never made a late payment, and still have a balance of a few hundred dollars on the account. I get a letter that my account had been reviewed and was closed. I immediately call Comenity customer service for the VS credit card and was told that the bank has the right to review accounts and close them at any time. The reason was vaguely given that my billing goes to a PO BOX, which it had for the entire time I had the card, so this made no sense to me. I live in a rural community and post office boxes are very common so that we don't have to maintain a personal mailbox. I was told since the account was closed, they could not re-open it, and I would have to re-apply for a brand new account. I declined and simply said I would pay the balance I owe. I am so dissatisfied with them just closing the account with no advanced warning, especially after being a loyal customer.

I have been a J.Crew card member for over 10 years and have never experienced such terrible customer service in my life since J.Crew switched to Comenity a few years ago. There was apparently an attempted fraud on my account so Comenity sent me a letter which said they were suspending my account due to security concerns and that I needed to send in a few identification items (Driver's license, etc.) within THIRTY days or else they would close my account. I sent in the items but they didn't receive them which is hard to believe. But ok, even if that were true, they terminated my account WITHOUT sending me a letter, email, giving me a call, nothing, to let me know that my account was terminated. That is outrageous to me. Had I known they terminated it, I would have RESENT the information they needed.

We purchased a trip to China in July of 2017 and purchased it on our Comenity Toyota Visa Card. We were notified in August of 2018 that the Company went out of business for out October 2018 Trip. Our friends put their trip cost on a Mastercard and received a credit in three weeks. We have been told that there is nothing they can do, to yes file a claim with Visa Insurance Carrier for a refund of travel cost up to $2000. Also were told that we would receive a refund of the foreign transaction fees only to receive an email 2 hours later to say that would not happen. Still waiting for refund and they keep asking for more documents that they already have or refer you to the insurance company. DO NOT DO BUSINESS with them.

My husband brought several thousand dollars worth of jewelry from Kay Jewelers with insurance the banking and payments were transferred to Comenity Bank. We spent money on insurance through Kay Jewelers and it was canceled before the Comenity Bank was transferred. Which makes no sense since they are the same insurance company 3rd party that Comenity Bank uses. So after we find out this bank took over we tried to find out about our coverage given the run around then asked about new insurance no help. Finally account holder has heart attack and ended up with quadruple bypass surgery. Comenity Bank would not help defer payments nor help me with insurance options. I would rather return the jewelry. The sad thing is the insurance would have covered the balance but they don't have an answer of why we were not able to see this online until today and why it was not offered.

Disgusted by their total nonchalant attitude about customer service and trying to accommodate a customer in any fashion. I am so angry right now I am seeing red. I have been a long time Victoria’s Secret customer and have a large available credit on my credit card. I have never been late on my payment. Never missed a payment on over the last 20 years of having their card. I’m sure I’ve paid quite a bit of money and interest. For some reason I couldn’t get into my online account so I decided to call them directly and for some reason they had the wrong bank account listed. No problem, I called and talked to customer service Erik ID number **, explain the whole situation to him and ask if you would kindly update my bank information and I would make my payment right away on the phone.

This review is for my Pottery Barn card, which is issued by Comenity Bank. Do your homework before applying for this card. This card has a high interest rate with high late fees, and horrible customer service as stated by many other reviewers. After approving you for the card and subsequently using the card with 100% on-time payments, they may suddenly ask you for copies of your driver's license and social security card before they'll let you continue using the card, for no other reason than they feel the need. Huh? I have never had a credit card ask me for that information. Also note that their system is set up to surreptitiously charge their customers exorbitant late fees and finance charges. How do they do this? By stating that the due date is on a specific date, let's say the 16th of the month, as an example, but then imposing an early cutoff time on that day in order for the cardholder to avoid the late fee and finance charges.

Cardholder for years. High credit limit over $10,000 - NEVER missed a payment - paid in full then they lowered my available credit to $750 and said I had a credit score of 400!!! I work in the financial industry, have access to all 3 bureaus, just refinanced my house, and my score is in mid 700s. I called, wrote and never got an explanation. They refused to tell me what credit bureau they used. Isn't fraudulent credit reporting illegal? I closed the card. Horrible business practices.

Shame on Comenity Bank! I received a surprising letter from them that my HSN credit card account was now closed. I have 18+ years of excellent payment history with that card. I called 5 times and got passed around Comenity and transferred to HSN with no good answer from anyone. I would really like to have my account back with HSN. But HSN said it is in the hands of Comenity Bank. Comenity said they closed my account because they did not have a physical address! Weeks before the "closed account" letter, they left a voicemail message that I promptly returned and was on hold for over 15 minutes (no exaggeration) so I hung up and forgot about it.

I purchase patio chairs and Canopy from Big Lots in March of 2017 in which I opened an account under 12 month promotional special. My balance came to 750. So I began to make payments on my account. The first month I miss because I didn't know I was due. My fault. After this for the next 6 months my payments were made on time with the exception of one. I was 2 days late. Paid 50 late fee. Was 35 for 2 days! I got down to $260 New Balance. Because I had not paid off 260 balance within 12 months I was hit with a $406 fee added on and then another $206 for which I don't even know what for!? More interest!

I received a letter from Comenity Bank a couple of days ago stating that they closed my account due to missing information. I have been with the Children's Place Card for years now and had not had any problems when this card still belonged to Citibank. This morning I called their customer service line and spoke with a CSR and supervisor and neither of the two had any sincerity or concern on the matter. The supervisor Gabriel was the worst between the two as he was extremely passive and uncaring, just had a sort of "sorry for you but oh well" type of attitude.

I am following up on my earlier Overstock account post where the card is issued by Comenity Bank. I spoke with a supervisor in customer service on Monday and gave them until the 24th to have my credit card payments correctly applied. This means to credit my revolving balance and show it with a zero balance and no finance charges. I should now have a zero balance on revolving and promotional balances totaling 1000.00. Instead I now have a revolving credit balance of $529.78 and a promotional balance of 1420.00. These two figures do not even make the 1000.00 I owe.

My Comenity Lexus Pursuits card has been PAID IN FULL for many months now... There is ZERO BALANCE, and the card is essentially useless because you can ONLY use it at a Lexus dealer. I found out today from a Credit Bureau that Comenity CLOSED MY ZERO BALANCE credit card because they felt like it... To add insult to injury, they REPORTED IT to the Credit Bureaus!!! I have been a PERFECT CUSTOMER... PERFECT. They are CRAZY and weirdly UNETHICAL... They are reckless and sadistic. And Ive spoken to a class action attorney. Apparently many customer have been abused in similar damaging fashion. HOW DARE THEY.

My Comenity bank credit card was recently closed! I received a message from the credit bureau that there was a problem. My credit score is over 800. The following day I received a letter from Comenity bank saying my account was closed. I called them and asked why and that I had an account with Ann Taylor/Loft for over 25 years. The lady said they couldn't reach me to update my information. I told her my information has never changed. That's when she told me that I had a PO Box and they needed a physical address. I live on a private road and the USPS doesn't come down my road. She said some people got letters and some people got phone calls. I told her I did not receive a letter or a phone call.

I have shopped and had a Talbots credit card since 1984. I have never been late on any payment and have always paid in full each month. Several years ago, the company went with Comenity. I was one of those whose information was hacked from Equifax. They recommended freezing my account there which I did. Evidently, Comenity tried to check something from them and was refused. My credit score is 850. I received a letter from Comenity saying that they had closed my account. The baffling part was the letter explained that my account at Pier 1 was closed. I have never had an account there.

First got a Belk card over 10 yrs ago. Didn't use it often enough so I cancelled it and paid off the balance. Fast forward to today, and I have a Torrid and NY&Co card. I cancelled the NY&Co card and paid off the balance (again just didn't shop there enough) and kept the Torrid card. In the last year I started receiving calls about a delinquent Belk card from them. I checked my credit report - and it's not there. Apparently even after I paid the balance and cancelled the account, they continued to charge me late fees! They now claim I owe them over $700 for a card I closed over 10 years ago. Thankfully it's an old enough account that it doesn't impact my score or credit!

This is the most horrible customer service fail I have ever experienced from any of my credit cards in my entire life. After almost 20 years of carrying the Victoria's Secret Angel card, I received a letter in the mail a couple days ago, stating that my account had been closed, due to missing personal information on my account. I called to speak with customer service today, and spent a couple hours on the phone, being "escalated" up through the ranks, until I finally reached a senior supervisor. The first story they gave me, from the lowest ranks, was that they sent out letters earlier in the year, letting cardholders know that they needed to update their account information with a physical street address, and anyone who didn't would have their account closed. I never received such a letter, and I have always made sure my account information was current.

I had 3 cards with Comenity bank, Torrid, Ultra, Boscov's. Never late, balanced paid off quickly, spent a lot of money at Boscov's and would pay them off within the month maybe two. One day I get home to find 3 letters. Boscov's allowed this dumb company to lower my limit from 1500 to $200!!! They also closed my other 2 accounts for both inactivity and bad credit reports. I sent them a letter explaining my credit report they pulled 2 months ago was corrected after mistakes were found and my score was back up. I reminded them I was an active and responsible card holder and asked them to reconsider... I was promptly told no... This company is a nightmare... The stores involved with this company should drop them... Because they lost my business because of them.

This company is single handedly responsible for killing my credit score. They reduced the credit limit on some of my cards down at least 75%, most recently West Elm, from 4K to $1400 and Wayfair in half. Today I get a letter stating that my Overstock card had been closed due to account inactivity (just purchased a few things two weeks ago) and credit report info. My score isn’t awful (but was better prior to this company and their reductions and closings) and I’ve never missed a payment on anything! There’s another $2500 off my available credit. If memory serves I think they had the Virgin America cards that were all closed at the first of the year, it started with that and has been downhill ever since. Never again will I have any account with them!

So, where do I begin!!! I have 3 credit cards through Comenity Bank. The Room Place, Victoria Secret and Gamestop. All 3 cards no missed payments and all were in good standing. My problem was with The Room Place credit card. I had 9,800$ in credit. I purchased a living room set and a mattress and box spring. I am very happy with my furniture and it's a shame that I have to write a review like this because of Comenity bank's carelessness and unwillingness to deal with their customers properly. Especially, their great customers!!!

I missed my first payment by 1 day and called to have the $27 late fee removed/waived and to my surprise I was advised that they are unable to remove the fee due to the agreement/contract between Ashley Stewart and Comenity Bank. I can't wait until ALL my cards through this bank is paid off. Their billing practices suck!! I will never get another card with this bank.

I recently applied for a Wayfair credit card through Comenity. A few days after I submit my application I get a notification from Equifax about a hard inquiry into my credit report by Comenty-Wayfair. Nothing wrong here since I knew that applying for a credit card would mean having a hard inquiry done. I have a really good credit score (over 800), no derogatory marks ever on my credit report, and have never missed or had a late payment on any of my loans so I knew I would be approved.

I received notification from a credit bureau company that my Comenity/Kay Jewelers account had been closed. This closure was not by any action I had taken. Upon calling the Customer Support (less) for Kay Jewelers, I was informed that due to the Patriot Act, they needed my physical home address on the account. They sent requests for this information that went unanswered. I have a PO Box for security reasons. There was no request, that I received and do not believe that the Post Office would withhold any mail. As indicated, I spoke with Customer Support (less) and requested to speak with a supervisor. Since the account was closed "permanently", there was nothing they could do.

I have been with Comenity Bank for three years and have three cards with them. I have a Meijer Card, Victoria Secret and The Buckle card. Over the three years, I have had my credit limit raised on each account and have a high credit limit. I have always been on time with my payments. Recently, Comenity Bank LOWERED my credit limit from $1500.00 to $300.00 after a payment of $1400.00 was made on my account. My Meijer and Buckle credit limits remain at $1450 and $1300. This is completely unfair as I feel they just took my money and I do not get any of that as my available credit. Instead they lower me down to a limit a brand new customer would receive upon opening an account.

I had a promotional balance on my Overstock account, in addition I also had a revolving balance due. I paid my monthly minimum, plus the total amount of the new revolving balance plus 120.00+ on top of that. I had two payments/months left on the promotional balance, yet they credited the entire payment to the promotional balances, left the revolving balance and charged a finance charge. I was told that because of the length of time I was on the phone with customer service they would credit the finance charge, not that it was being credited because they misapplied the payments...

I had store promotion deal for 18 months of no interest charged. The bank provider was Comenity bank. The bank statement is misleading and not showing the payment amount to make up the balance at the end of 18 months. The only 3d page of the statement shows the accrued interest because usually people don't even check it. I strongly suggest to stay away from this bank as it charges 29% interest rate, highest in bank industry. SHOWS NO EFFORT OF PROTECTING THE CLIENT TO AVOID HIGH INTEREST CHARGES. One way or another it will get to this situation. The purpose is to rip you off with the highest rate. I am looking for people caught in the same situation to start legal proceeds against this bank. Not enough that we paid big buck for furniture, we are rip off on the interest rate! In 2014 this bank lost lawsuit for misleading fees situations and paid people back. If anybody are interested to join me please, reply.

Comenity close my account for no reason in Sept 2018. I have been a customer for 17 years and always paid more than the min. balance before the due date. This is ruining my excellent credit. When I called they could not explain why and said they couldn't do anything about it. Something about being computer generated.

My account closed 9-7-18 for no reason yet, and when I called no answers. I checked my FICO and it’s 800+ Excellent on everything and zero late payments ever. I will never apply for Comentity Bank card or store card again because when an account closes like this it puts a ding on good/excellent credit. Also, stores have a history of changing the banks on their store cards and closings accounts only to send new credit card with a different bank which again dings credit. No amount of savings at the register is worth that. Comentity was a pain to deal with all along.

After being a Children's Place cardholder for over 5 years, I found out today that they closed my account on 9/7/18 because they somehow didn't have my physical address in their system - only my mailing address. Funny how they had it on my NY&Co card though. I found out my account was closed by going to Credit Karma, but I do not understand why they'd do this after I just purchased some items from them for my son on 9/3/18. I called them at 866-544-1471 & Angie told me that I would have to REAPPLY for a new CP account because they could not reopen it. I asked for her supervisor, and she transferred me to the very rude and unprofessional, Andrea. She kept telling me "I am not too for sure" about each question I asked her and then she got an attitude when that response could not pacify me.

I have the Wayfair and Ulta credit cards. I was late paying for a month and they reduced my credit limit to 0 for both cards, and gave no explanation as to why, no heads up, nothing. They won't let me place payments online, only over the phone and I have had rude and nasty customer service people every time I have had to call. I am extremely disappointed. This is how I've been treated because I have paid on time 90% of the time only to be undercut by this bank after 1 screw up.

Watch out --- read their "promo" carefully, read between the lines, read in the margins, read every line you see because they'll get you with a gigantic (and I mean gigantic interest if you happen not to pay off their HealthiPlan loan or line of credit within 12 months. I just got slapped with $1,500 interest. When I called and offered to pay off everything immediately, they of course wouldn't budge. The penalty is horrendous for not understanding what is built into their contract. It feels like it's a plan based on certain traps. Try to finance your health needs in some other way.

I paid off balance and closed my account with HSN over a year ago. Starting May 2018 Comenity Bank started billing me late charge fees on a closed account. I had refused to pay. June 2018 they continued to bill me on a closed account. I called and spoke with supervisor who agreed to waive all but $16.27. I obliged this amount to get rid of the harassing calls and emails. To my surprise they started billing me again in August 2018 for late charges on the $16.27 I paid to settle this dispute. They are now affecting the downfall of my credit. I contacted BBB, but they can't get this crooked company to budge. This kind of scam should be enough to shut this company down.

Opened an account through Wayfair purchase. Made 3 payments which were mysteriously "declined" resulting in whopping late fees!!! No notice at all. Paid off my act 45 days ago and just opened new bill. Payment mysteriously declined again... new balance $125??? This balance is never going to get paid off no matter how many times I pay it. I fear it will continue to increase. HELP!!! CLASS ACTION LAWSUIT POSSIBLE.

Don't charge anything on any credit cards connected to Comenity. Check your card and your bill to see if they are connected to Comenity. You will ultimately lose the great savings that you get when you charge. They have a tricky billing system.

This company has extremely rude customer service. I just had a call where the woman was extremely hostile about my payments. She did not give her name at the beginning of the call. This is the second time I have had uncivil calls with this company. Earlier this year while I was undergoing tests at Mayo Clinic this company called repeatedly. After I told them it was not a good time, they refused to end the call until I set up a payment. I was in the clinics and they would not relent. Once I have paid this card I will never again open an account with this bank.

I received a call from a 1-800 number asking me to contact them back. I called the number back and the person who answered asked me for my phone number. I said, "What is this regarding?" and she said, "I can't explain until I get your phone number but I can tell you that Comenity is a retail card company." I gave her my number. She then asked for my name. I gave my name. She then asked for the last 4 of my SS# and my address.

I thought I was going crazy with these cards until I came to this site and saw the same horror stories that I had experienced. I had...key word...had a credit score of 700. Applied for and received a Victorias Secret, Lowe's, and Walmart Credit Card with Comenity,(trying to build my credit). Used each card, below the limits provided and paid the bills on time, in full.

WARNING. STAY AWAY from Total Rewards Caesars Credit Card Program! This company kidding you many times… again and again… They send you advertising. You have to activate them on the internet. If you spend more money with this Credit Card, you receive more points (3 times more points). After this promotion is the answer, the points will be credited soon. After couple weeks the final answer: You have not clicked the link. You missed the action. Zero Customer service. Result: I spend about $15,000 in two month with this card only and I lost about $300 on rewards. My result: I will not use this card anymore. M-Life has better offers and works serious.

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.