Comenity bank gouge long-time customers with/ late fees
I have been a loyal customer of JCrew my entire adult life and have turned on many other friends and family to the brand over the years. I have the highest credit score you can get overall, and always pay my entire balance every month. I also make purchases almost monthly.in March 2012, my laptop and luggage was stolen while on a trip on top of a very busy work month, and I missed my JCrew payment by a few days. I immediately paid the balance and asked for late-fee forgiveness, which I was granted.
I am now having marital problems, and my husband and I are separated, causing mayhem in my home and problems with my daughter. I missed the October payment by a few days due to reasonable preoccupations, and was again charged the $25. I paid the balance, then contacted the new credit servicer, Comenity, and requested they credit the charge, explaining my issues, and my history as a customer. They refuse to do it, citing that I was already given a credit in March. Well, I say “so what.” Late fees are for people who abuse credit– I am obviously NOT one of those people, and should be given a break due to my continuous loyalty, regular spending, excellent credit history, etc. However, Comenity are a bunch of inhuman robots, who cannot show a little understanding and compassion, and would rather risk losing a lifelong customer for JCrew than credit a paltry $25.
Card Program discontinued, all accounts closed
Went to pay my bill online as I always do, and noticed that the "available balance" was zero, even though I hadn't maxed out the card. Emailed via the website's contact link, and got a message back saying that my account had been closed, and that it had been reported to the credit reporting agencies as "closed". When I rang the Customer Service line, I was told that the Credit card program (that's right, the ENTIRE CREDIT CARD PROGRAM) for Domestications had been discontinued, so ALL customer credit accounts had been closed, although we all still must continue to pay on the accounts. My concern is the report to the credit agencies...when I asked the Domestications operator just what kind of report had gone to the agencies (since none of their customers had ANYTHING whatsoever to do with their decision to discontinue the card program) she wouldn't tell me the nature of the "report" to the credit agencies, except to say that it was reported as "closed" by WFNNB, the parent company. Typically, any account marked as "closed" by vendor is listed as a "negative" on a credit report...but it's not very fair for customers to find a negative on their credit report just because WFNNB decided to discontinue the program...and if I find a negative on my report (the account had never even been in arrears...it had always been paid, and always on time!) then I'm going to see an attorney about suing them, and about having the suit certified for Class Action, as I'm certain there are many people in the same boat. WFNNB and their parent company, Alliance Data, are hiding from their customers on this one...and I'd sure like to find SOMEONE from one or more of these entities who will be responsible to their customers for their decision, and who will tell me directly just HOW this was reported to the credit agencies. IS THERE ANYONE AT DOMESTICATIONS, WFNNB OR ALLIANCE DATA WITH THE BALLS TO CONTACT ME ABOUT THIS? If not, and if the report to the Credit Agencies is listed as a "negative" on my (and others') reports, prepare to get sued BIG TIME. NOTE TO DOMESTICATIONS CUSTOMERS FINDING THEMSELVES IN SIMILAR STRAITS...CHECK YOUR CREDIT REPORTS RIGHT AWAY!
Rudeness and unprofessionalism of someone named Trayon that claimed to be a supervisor during my call on 1/15/2026 in an attempt to resolve a matter on account ending in 0186. He continually talked over me, wasn't listening, and was dismissive. Please review recording.
I have never had a comenity credit card but someone has apparently fraudulently opened an account with my information at Carter's , Ulta, and Micheal's. I have never shop at these merchants.
Server was not loading for payment and had to jump on laptop to get it to go through even though it was through a checking account. I'm displeased with this experience, and it not only affects my credit score, but future loans as well. Also, was unable to get any one on the phone beforehand to make payment or fix the issue, only automated.
Son unos ladrones descarados
Se supone que había pagado el total de mi tarjeta de ulta y después de saldarla me cobraron un inters de 2. Dólares el cual subió en tres meses a 79 dólares pues nunca mandaron cartas ni email ni mensajes de txt lo peor en tarjetas no lo recomiendo son unas ?
Unable to make explorewards monthly payments via debit card. They suddenly now only except bank account and routing number. I will not comply to this change of service. Period!
I have several times called spoken with several people i am aggravated beyond measure Twice you have messed my payments and for 3 moths i have been trying to get my Zales card so i can set up a simple auto pay
PLEASE HELP!
Worst customer servicing in the banking industry. New account opened for 4mos. Closed credit line abruptly with no explanation. A ton of autodialing, calls from their account representatives. Borderline harassment. Will never use another service that this bank underwrites for.
I’ve been with them 10 years never been late got lat one hour they charged a late fee this card is bull you can never get ahead there getting rich off people it’s wrong I’m done with this card
I would like to speak to someone on the phone. I am very unhappy with commenity.
Phone [protected]
or cell [protected]
Francine Wolf
It took more than 4 months since i have filed a dispute of unauthorized charge on my Sony visa credit card , my card number is [protected] and my name is Misa Tran , my email is mickeybrown3ye@yahoo.com , please help me to contact to Comenity Bank to solve the problem , thanks
Yes, Comenity is a legitimate credit card company that issues store-branded credit cards for a multitude of retailers.
Comenity is a subsidiary of Alliance Data Systems Corporation, a leading provider of data-driven marketing and customer loyalty solutions.
Comenity provides both co-branded credit cards, which can be used anywhere the card's network is accepted, and private label credit cards, which can only be used at the specific retailer.
Yes, as with most credit cards, there are fees associated with Comenity credit cards. These may include annual fees, late payment fees, and cash advance fees, among others. The specifics vary depending on the card.
As of my knowledge cutoff in September 2021, Comenity does not have a general mobile app. However, some of the individual store credit cards issued by Comenity may have their own apps.
Comenity offers multiple ways to pay your credit card bill, including online payments, mail payments, and phone payments.
Yes, Comenity reports to the three major credit bureaus: Equifax, Experian, and TransUnion.
Comenity can be contacted through various methods, including phone and mail. The contact details can be found on the back of your credit card and on the Comenity website.
Customer service experiences can vary. However, Comenity is known to have a dedicated customer service team available to assist with any inquiries or concerns.
The required credit score can vary greatly depending on the specific credit card. Some cards may require a good to excellent credit score, while others might be more accessible to those with lower credit scores.
For co-branded credit cards, yes, they can be used anywhere the card's network (like Visa or Mastercard) is accepted. However, private label credit cards can only be used at the specific retailer.
Applications for Comenity credit cards can typically be made online through the retailer's website or through the Comenity website. In some cases, you can also apply in-store.
Yes, many of the credit cards issued by Comenity offer various rewards and benefits, such as cash back, points, or exclusive discounts at the affiliated retailer.
Comenity, like most credit card issuers, charges a fee for late payments. It's always recommended to pay your bill on time to avoid these fees and potential damage to your credit score.
Yes, you can close your Comenity credit card account by contacting customer service. However, you should consider the potential impact on your credit score before doing so.
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Comenity Contacts
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Comenity phone numbersClick up if you have successfully reached Comenity by calling +1 (800) 675-5685 phone number 1 1 users reported that they have successfully reached Comenity by calling +1 (800) 675-5685 phone number Click down if you have unsuccessfully reached Comenity by calling +1 (800) 675-5685 phone number 0 0 users reported that they have UNsuccessfully reached Comenity by calling +1 (800) 675-5685 phone number100%Confidence scoreComenity BankClick up if you have successfully reached Comenity by calling +1 (855) 506-2496 phone number 0 0 users reported that they have successfully reached Comenity by calling +1 (855) 506-2496 phone number Click down if you have unsuccessfully reached Comenity by calling +1 (855) 506-2496 phone number 0 0 users reported that they have UNsuccessfully reached Comenity by calling +1 (855) 506-2496 phone numberComenity Capital Bank
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Comenity emailsservice@comenity.net100%Confidence score: 100%Support
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Comenity addressPO Box 182273, Columbus, Ohio, 43218, United States
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quit using them.
I cannot logon to Comenity Bank to pay my Peebles credit card. This has been going on for weeks. An error box tells me over and over that my account is closed, or information not found.
Their "Easy Pay" does not work either.
They charged me $57.00 in late fees and the Supervisor Called me a liar. I told him I was charged $20.00
late fee and $2.00 interest she waved the late fee of $20.00 and I paid the $32.90. Then I was charged $35.00 late fee. Cancel any credit card you have with them plenty of honest companies!
payments sent by my bank for auto payment sent down to a PO box for you to receive on the 6th of the month the check is not cashed to the 12 th of the month and posted on the 12th so you could charge a late payment.
Took money from my account. I have no idea who they are. I want my money refunded to me immediately.
My mom is a Senior citizen and t
FIRST COMENITY BANK TAKES ADVANTAGE OF AND THREATENS
SENIOR CITIZENS. WORST BANK EVER! Do Not Accept Any
Cards or Offers You'll Be Sorry.
I'm so sorry Mark. Comenity is the WORST financing company EVER! They never post your payments on time, so they can charge you a late fee. Their supposed "same as cash" financing is NOT the case at all! They charge you interest right from the beginning, even though they aren't supposed to, and then tell you that you didn't pay the correct amounts, so they switched you from "promotional" to "revolving", to cover their butts on why they are charging interest on a "12 months-same as cash" deal. (and then have the nerve to charge you $400 for THAT!) Stay FAR, FAR, AWAY, from Comenity Bank, and all of the cards that they finance. Some of their stores are: Gardner-White Furniture, MOST of the Jewelry stores (Kay's, Zales, Charles Warren, JTV, etc...) Pier1, Meijer, Abercrombie & Fitch, Bed, Bath, & Beyond, Big Lots, Crate & Barrel, David's bridal, DSW, Fashion Bug, Forever 21, Game Stop, HSN, JCrew, Marathon gas, Pottery barn, and SOOO many more! Just beware, and pay them off COMPLETELY as SOON as you can! If they tell you that your balance is $300, then send them $350, because if you are short even a PENNY, they will charge you a $35 "late fee", for EVERY MONTH, that you let that penny slide! Good luck to you and your mom!
scamming people, time to get the BBB involved. They even have their phone solictiers being rude, causing harrasement.
Comenity Pay has a recurring withdraw from my checking account, causing over draft fees, and other banking charges. This company preys on people who think they are receiving free gift card and free gas cards. Please be aware of them.
We have the same experience with Comenity. We pay all our bills, via bill pay, on the last day of the month or first of the new month. It takes 2 - 3 days to post. We get hit with a $35 late charge for being one or two days late. It is the norm with all other providers to have a 5 day grace period and allow you to move your payment date to, say, the 7thof the month to account for bill pay processing. When I called their customer support, they knew exactly what I was asking for, saying, 'you are not the only ones asking. We'll have it [ability to move your pay date] soon enough.' This seems like a way to use late fees as a revenue center, not a way to guide payment behavior.
Commenity bank is nothing but a bunch of thugs. They have an "entrapment" method of offering a card for a new store, (they own many store accounts, e.g. talbots, j.crew..) and I fell for accepting cards and charging at several stores. Well I am a foolish victim, but am determined to retaliate. I warn all; if you are offered a card, DON'T accept it. You too, may be a victim. I mean this from my heart. Be careful. No item is worth being a victim over.
they slap on late fees and then don't send email bills. This is the third time Comenity has not sent an emailed bill for one of their companies for 2 months. I depend on email bills, as I have many cards, so I choose paperless. Comenity purposely doesn't email a bill then calls after two months demanding late fees (which go up $5 each time). And each time they do this, I not only demand refund of fees, I pay off the $25 balance and end the card, after which I call the store and inform them they have lost a customer because of the bank they use. So, Pier 1, Crate and Barrel -- NOT in my shopping world anymore, after many years. As long as they use Comenity, and Comenity uses these shady practices of "silent" late fees and no emailing of statement -- we're done, as customers.