comenity.com Reviews 

Disgraceful Bank. I requested a credit card. I was turned down. The report from Comenity stated my credit score was too low. The report showed my score of 811.
Obviously, I was turned down because of my age. Shame that they are allowed to abuse the elderly.

I was sold the 12 month interest free card
deal when I bought a ring for my wife at Helzberg on 9/15/2024 for 1956.43. As soon as I got the card, I set up autopay to cover the cost in 12 payments. The system set up the autopay date for the 28th of each month. Every payment arrived on time. I just got a fraudulent $560 interest charge from Helzberg's servicer, Comenity, added to my account because they say I wasn't paid in full by 9/15/2025. This would have been technically true, however, I actually paid it off in 11 payments because I increased my monthly payment amount in June. Nevertheless, they refuse to remove the $560 illegal charge. As of 9/15/2025 I had paid $1989.50. If you include the service fee of $39.12, you could argue that I am $6 short - so by the letter of the law maybe they could
charge me interest on the $6 - but instead they are charging interest on the entire purchase. Also the service charge did not post to my account until 10/2/2024 and by 10/2/2025 I had paid another $193, so I'm inside the window no matter what. This would be predatory and unethical behavior even if I hadn't paid it off in 11 months - their system set the autopay date outside of the time frame that would have fit 12 equal payments. This is evidenced by the
fact that they still charged me the balloon payment even though I actually had paid it in full. Further to that point - when they sell people on zero interest if paid off in 12 months, they do not say "if you do not pay it off in 12 months you will owe the full 25% interest on the entire purchase. Not just your remaining balance." This is unethical false advertising.

Absolutely HORRIBLE experience....I have a credit rating of 790... I purchased a Cricut on my card. and paid it in two payment. Comenity reported by account as late when it was not. I am in the middle of a refinance of my house and have never been late with anything. Comenity customer service did not understand the problem and made me repeat and reiterate the same issue.

This is the worst credit card company I have dealt with in recent years. They will try to charge you for every little thing interest plus fees plus interest on fees even when you try to pay in full. Scammy company. Any credit card I have with them, I always end up closing the account.

I will never open a card associated with Comenity Bank ever!!! I recently opened a card at IKEA and my statement stated on the front that mailed payments must be received by 5pm ET. Why? So they can screw you. I made my payment by phone after 5 because it did not state on the front that it had to be by that time. Apparently, I was late but didn’t know because that ridiculous rule is on the back in small writing. I’m beyond angry and will make sure everyone I know avoids cards with Comenity Bank.

The worst customer service including supevisors, After a ck paying my bill in full was lost in the mail, I made the payment with my debit card and told them that I stopped payment on the ck. Less than a week later, they deposited the ck that I stopped payment on. They then charged me for a returned ck in addition to interest and a fee for not going paperless. After spending an hour on the phone and speaking to 4 people (2 supervisors), I was told that they would credit $2.00 interest but I had to pay the $34.98 in other fees and would have to enter a dispute which take 30-90 days to be reviewed. Comenity bank is nothig but a money making scam. my review is 5 negative stars

They failed to give me a conformation number for my on time online payment. This has never happened before in 10 years and it is an indicator of bad banking so beware and check all dealings with them carefully. I may be a way to get a fee for late payments. Again be warned!

I knew this was the right place when it asked "what went wrong this time". Terrible bank, terrible service, and exorbitant interest rates. Looks like an organization that preys on people who don't have good credit and have little knowledge . I have tried to pay them off, and they keep billing me with $2.99 paper billing fee, and 36% interest. I do no even like to shop at businesses that use their card. Zero stars for me

BEWARE!!!!! Regrettably signed up for an ULTA Beauty rewards credit card and immediately began having issues dealing with comenity bank. Attempted to pay off the balance in full the same day I opened the account, so I could avoid paying interest. Could not register my account online, called customer service and was told I would have to wait 10 days to verify my email, but in the meantime I could do the easypay option to pay off the balance. So that’s exactly what I did, paid off the balance and then attempted to register my account again after 10 days. I entered my checking account information and set up auto pay for future payments, and lo and behold a week later I had an email saying my account was past due. Immediately called customer service again and was told I was charged a late fee of $30 because of an undisclosed fee (on a $0 balance). Was also told I have to wait 10 days (again) to verify my email so I can access my account online, AND auto pay was mysteriously canceled without my consent or knowledge. These people are SCAMMERS!!! I will be closing the account tomorrow morning.

This bank is a scam, horrible customer service, I did the payment on time online, they never tried to collect it from my bank, customer service staff very unprofessional, and I tried to close the account, and I need to pay the debt in order to close the account.
I will pay what I owe to them, but never ever use this card again, VERY DISAPOINTED.

I had my Victoria Secret card for almost 20 years. I didn’t use my card for about a year due to a female related illness- no point in buying underwear just for it to be ruined. I’m in remission and went to buy all new underwear. When I tried to pay, I found my card had been cancelled for inactivity?!?! I had even called to request, and had received, a new card a few weeks prior. No warning, or any notification the account was at risk of being closed. I tried to call customer service. They require you to enter your card number to proceed. I couldn’t get beyond the prompts for assistance because when I entered my account, I would get an automated message my account was closed and they’d hang up. Very frustrating and disappointing.

If there is 0 star, then that's their rating. I used their credit card to purchase online. When I sent my payment by mail a week before the due date, I was told that it was received 2 days late. I was charged a late charge of about $30. Then the next month, I was charged more fees $40 and another late charge. I paid more in late charges and other fees than the purchase itself. Never using them again.

Comenity Bank sent me a letter saying I tried to set up a Victorias Secret Mastercard with them. I did NOT, and no other family member did either. I found online that this is a COMMON SCAM Comenity Bank dies, they have done it to many others, and I will be pursuing a class action suit which I believe is ongoing. Comenity Bank says they pulled my credit report on May 1 2025, which I did NOT authorize and which MAY affect my credit ratings. Which is a harm. Comenity is obviously purchasing DARK WEB DATA to harass innocent people. They must be STOPPED and PENALIZED for this ILLEGAL behavior.

I signed up for a Michaels credit card, managed by Comenity Bank, and had a really disappointing experience. After being approved, I never received the card or account information. Even though I had no way to access my account, late fees and interest charges started showing up right away.

I made a minimum payment just to avoid further penalties, but by the time the card finally arrived, three months of interest had already been charged. When I called to explain the situation, Comenity Bank refused to reverse any of the interest charges — even though the delays were clearly not my fault. To their credit, they did reverse the late fee but had no ability to reverse the interest.

IMO, a good bank would have offered a simple courtesy adjustment. Instead, Comenity made me pay for an account I wasn’t even able to use yet.

Very disappointing. I would not recommend working with Comenity Bank.

I paid my full balance due on the due date which then I had a zero balance. Three days later they charged interest on the zero balance. After a heated phone call they finally removed it. Also, anytime I attempt to log in to my account it says my information is incorrect. Comenity is not an ethical business.

RUN!! I would give it a zero if it was an option. NO customer service by phone or online chat. The website is NOT user friendly. As a matter of fact, it is the most cumbersome, non-intuitive website that I have ever encountered.

I never received my order from September.

If I could, they deserve 0 stars!!! I had a Sally's Beauty card backed by #ComenityBank and charged a whopping $53 on the account, which all bills are AUTO PAY. I lost and replaced a debit card and after 2 MONTHS had NO NOTICE from them of late fees and charges that totaled OVER $200!! This is IN ADDITION to my small purchase. I contacted them and explained, and they refused to credit back even ONE DOLLAR, so I have made payments of over $125 now and STILL OWE $146!! If I had taken the time to read the #reviews for this #SallysCard from #ComenityBank, I would have NEVER USED THIS CARD! And for what REWARDS, psshtt!! PLEASE!!! DO NOT USE THIS BANK EVER. I have been charged well over 38% interest and the fees added on make it exceed 265% - I have filed complaints with the CFPB and am working now on an arbitration suit with #FairShake. Their practices are SAD in our economy, DONT DO BIZ WITH THEM< EVER!! Their reviews prove what their bank cares about and they won't be in business much longer with this type of loan sharking deceit being their mission statement!

Hardrock casino is peddling this credit card as a promotion to their patrons. I signed up, got approved, was handed my credit limit and APR and a disclosure brochurefrom a Players Club employee. I was then told to proceed to the cashier to retrieve my new credit card. I was told it was activated and can use it immediately (wrong!). I called customer care 3 x that same day to try to get information on this new card: my questions were, do i need to activate the card? do you have an app? Where do I get a pin? Do you offer cash advances? I got 3 different answers from 3 different males with very a heavy dialect that I had a hard time understanding. No one could help me. I was told a pin should have been in an envelope at the time the casino produced my plastic card, I was told I needed to wait 24 hours to have my registration on their website to take affect, I was told there was no cash advance feature, but another rep said there was...20% of the credit line.
That was day one, the following day on Saturday I called back because the card was declined at the ATM and was locked. The cashier supervisor was surprised the card transaction was declined at the cage since a pin number was not needed. I proceeded to call 2x to customer service at the credit card bank and was told the card was too new, the card was locked, and my registration info on the comenitydotnet/Hardrock was invalid. So, my credit file has an inquiry to some unknown bank that produces credit cards to businesses but with no support, no answers and very very uninformed players club employees that are pushing these cards with a bank with HORRENDOUS ratings!! I am reporting this to the Consumer Financial Protection Bureau

Saks changed CC Processors to Comenity/Bread.
RUN/CANCEL - DO NOT WALK AWAY!!!!!
Never had any probs w/ Cap1 - the OLD processor.
DECEPTIVE - Wanted $2.99 for mailed statements on the ACTIVATION site for SAKS - w/o saying SAKS customers will NOT be charged for mailed statements. The card they sent was faulty...would not work 3X after activation. 45 Minute phonecall to get them to send a new card for the defective one.... I later read Comenity/Bread reviews and decided to CANCEL the card... I called to cancel, requesting a "CANCELLED" letter. My acct is STILL OPEN...I have ALSO sent "SECURE MSSG"s under the "CLOSING ACCT" category..