About Comenity Reviews 

I wish i can give 0 for this bank bad ugly people i never face this with chase or any other bank

If I could give their customer service -star I would. Very unprofessional customer service representatives and supervisors. Would not listen to customers concern and talk over customer. Closed account immediately and will never open an account at another store that uses this bank for credit service.

The bank seems to have a minimum payment of $37.00. No matter if you owe $70.00 or $100.00. Since I don’t know this I paid half of my bill ($35.00). There is not a past due amount on the bill. But they charged me a late fee since I owed them $2.00! They are absolute crooks. I’ve called and spoken to several
People that only read policy to me. They don’t know anything and are unhelpful.

I purchase a few "over-priced jewelry" at Kay Jewelers in Springfield, Ohio but for whatever reason, I agreed to apply for a credit card at community bank when I should have paid cash. Anyway, I decided to pay the full amount and I guess the payment arrived in Texas a day late. They charged me $30 late fee. For one day and paid in full. Now, they are calling me 4 times a day and leaving messages on my voicemail and letters with a $30 bill. I paid them over $4,000 for the jewelry and this is the respect I got. I called them and explained that I paid in full and just because it arrived a day late in Texas should not be an issue. The girl got rude and said, "You owe this money." I don't believe I do. I give money to people, $5,000 here $300 there and I do not expect it back. And to treat me like a person with no value. I'm not paying $30 to a Bank-Jewelry company that probably has a lot more money than me. I give them a 0 star if I could. Them and Kay Jewelers in Springfield. They have lost my business for life.

They just hit me with $1,100 in deferred interest. No warning whatsoever. Turns out I paid my bill a day late a bunch of times and they charged me $40 each time. That's completely understandable but I was never notified i was being charged a large fee every time. If I had known about the laye fees I would've made it apoint to never be late. Their $400 in late fees took me over the due date for deferred interest. Who the heck charges late fees for one day late though? Comenity, that's who.... I have every credit card there is and pay them a day late all the time. I have never been charged a late fee for being a day late.

I financed $2,700 and will end up paying $1,500 in fees. Over half of the value. That's predatory in my opinion. It really put a stain on our engagement rings.

To top it off I'm a long time customer of Kays and have spent a lot of money with them. My fiancé loves their stuff, and has a bunch of stuff from a couple different collections. No more Kays after this though.

Comenity manages the store card for Talbot's - and an absolute nightmare to deal with. I have a $50 credit balance and they will NOT refund it. They continue to reference a .20 check sent over a year ago (that I never received.) They sent it again, I cashed it per their instructions, in order to get my $50. Now they insist I "received a refund check" and they can't send another.

Terrible bank--made a payment of $63.55 3/14/25--they did not get it until 4/9/25 & charged me a $30 late fee--now it is up to $63 on 6/2/25--I called a supervisor
& he said they gave me a one time credit in may for $15 (which never happened)
& he won't waive the $63 (which is only late fees & not for merchandise)-- never
Use this bank.....

I’ve had a retail card opened since 2009, I typically only use it once a year if that. This year, as I’m trying to build my credit back up they closed my account due to inactivity with no warning or notification. I would have charged something to if if they notified me. I asked them to reopen since I have never been late on a payment and I would use it immediately and they said no. They said they aren’t legally obligated to notify customers before closing an account. This hurt my credit because the was was one of my longest open accounts. They were unhelpful in resolving and basically just don’t care at all about their good and loyal customers. Would rate zero stars if I could.

Worst bank to do business they did not help me with a credit card fraud that I submitted I provided all paperwork that I had .. I had 2 credit cards with them cancel both ob. Never do business with this bank

Stay far away from these frauds, I'm honestly not sure how what they're doing is legal.

I paid my balance off early, then for some reason they added a $2 charge to the account. Not sure why, because I didn't use the card at all after I paid initially. Because I didn't see the $2 charge, I was charged a late fee and now I owe them $78 for absolutely no reason. That's how they make their money, by stealing.

Also, if you're 1 minute late paying, get ready for at least 5+ harassing phone calls daily from 5+ different numbers and their bs automated semi-threatening voicemails. I got calls from them on a Sunday at 8 am. Funny, because their online system is always conveniently down when you're trying to pay, thus making you late so they can slap their fees on top of what you're already paying. They should be sued.

This is the most crooked bank I have ever dealt with. I applied for a Maurices card at X-mas because they told me I would get 20% off. I got the bill before I ever got a card, but I could not pay the bill online because I needed the entire card number, not just the last few digits. By the time I got the card and made the payment it was late. (Not my fault, theres) They just added $100.00 roughly to the balance I originally owed. I just paid it because my credit is extremely good and I don't want these idiots to screw it up. Someone should do something about this bank. Never, never get a card from any of the stores they represent.

I had 4 cards they've taken 2 and jeep reducing my credit because of my credit score they don't care if you make your payments on time and extra - worst company ever!!!!

I have 4 store cards with them, but until online payments became a thing, I didn't know that. It has been almost impossible to pay my bills online because Comenity is constantly getting my user names and passwords for the account mixed up! And when I am forced to make new passwords, it still tells me the password I just created is incorrect! Now a new issue has arisen: they are telling me that my bank account is locked, which, according to my credit union, is completely incorrect, and they wouldn't have access to that information anyway! When everything is paid off, if I can figure out a way to do it, I am DONE!

I closed my account with my Ulta card, now Commenity Bank is mailing me late charges, i have a total of over 200 dollars, all are late fees. I called them, they could give 2 shits, first of all the customer service is in another country so they dont care and american companys dont treat you this bad, at least they try to help. Dont ever use Commenty Bank, they put $80 in collections, while still billing me. Pos

🚨 Frustrated with @breadfinancial Customer Service! 🚨

I closed my account with comenity @Bread Financial Comenity last month March 2024, thinking everything was settled. Now, they’re hitting me with a $37 charge + a late fee—AFTER my account was closed!

I called customer service, amd supervisor and they told me "there’s nothing they can do" and to call the hardship department. Why should I have to jump through hoops for a fee that shouldn’t exist in the first place?

Come on,Bread Financial Comenity is
this really how you treat your customers?
Do better.
#CustomerServiceFail #BankingIssues #UnfairFees
#breadfinacialstop

Single working mom

Worst credt card you will ever find! It would be easier to say what they do correct, much shorter list, than what they do wrong! NOTHING that's what they do! I shouldn't really be surprised because out of all the hundreds of stores to shop at what comes to mind when you think of Ross...messy, disorganized, can find anything, items on ground or in wrong place, etc. Now imagine Ross credit card...even worse! Hey don't take my word, open an account, see if you are not canceling card a month later! Complete useless people answer the phone, don't have a clue about anything. I'm not kidding, you could have an unauthorized charge in your card, they don't know how to help you, or the card was working but stopped, they don't know how to help, I could go on n on. I've never seen such incompetent, useless, brainless people working for a credit card co. It's almost scary...I called 1 time, said there is a charge on my card, need to dispute, someone must have used my card because I didn't buy a dozen kayaks in Delaware...the morons have no clue what to do. They must hire illegal alien, high school kids that don't care, don't know, don't understand, have I made my point by now. I'm not just saying they absolutely suck, I'm saying they still suck now because I'm still dealing with the morons. If there is a place to report credit card companies or banks I'm going to report them...it's THAT bad!! Waste of time, money, etc.

I made the final payment and cloased thr account almost a year ago. The customer service rep told me it had been closed. In November of 2024, I received a bill for $8. Magically this month (March) I received a bill for almost $300. They claimed that they don't know where the $8 came from but they cannot explain how i got this new bill. I am very upset. They are just terrible.

Set up Auto Pay with Comenity for my Dell Account (to receive no interest for one year). First time through failed, hit with late fee of $29, would not refund. My payment amount was for far more than the "min" amount. Re established Auto Pay, still failed. Same song and dance. Finally paid in full for refund of second late fee. Total Failure banking experience.

According to Comenity customer center. my bill is paid up. I have available credit. Yet my Unity by HardRock Comenity credit card is locked up/declined because I paid before the due date. And Comenity can not process fast enough. Go figure? Run from this inept bank and its Mastercard credit card.