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Comenity complaints 218

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6:49 pm EST

Comenity Credit card

Blind-sided by late fees and interest charges on my AAA credit card that I thought was being handled by Bank of America was now being handled by Comenity Bank. I did get a new card which I thought came from Bank of America. I then started to get charged late fees and interest on $1 balance that remained before the transfer. Total charges exceeded $33. That is 3300% charge which is loan sharking. I have closed the account yet will not absolve me of the charges. Because I did not approve the transfer from Bank of America to Comenity, I do not owe anything to Comenity not even the $1 that I owe to Bank of America. I am not sure Comenity is a bank because I have never seen any branches in my neighborhood.

Desired outcome: I owe nothing to Comenity Bank.

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12:32 pm EST
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Comenity Payments

Although I am automatic payments, Commenity Bank does not process on time. My January 1, 2023 payment was returned and I was charged a late fee (which was returned). Now my February 1 payment was not processed and they are saying I am late again. I sent another payment, which they processed, and then found out they processed my February 1 payment.

I have very good credit and it seems their method of processing payments will adversely affect my credit rating.

Desired outcome: Stop the harassments of late payments, acknowledge they made a huge mistake when processing payments.

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8:51 am EST

Comenity Loft credit card

On 2/15/2022 I sent a final payment to pay off the card. Weeks later I received a refund for the same amount. I cashed the check thinking I must have overpaid on the final balance. In June 2022 the card began accumulating interest and late fees as they reversed the refund and placed the balance back in the card. I never received an email, paper statement or phone call. Cut to 1/2/2023 when credit karma notified me that my credit score dropped over 100 points because of a delinquent account. (Loft) After logging into Loft/commenity, I saw the issue and immediately called Commenity. The agent stated he couldn’t help me and sent me to collections. I informed that agent of what happened, he advised me he was opening a dispute which would take 30 days (the letter stated 90). I began calling back near the 30 day mark as I saw another late fee and interest were added, dropping my credit score again. The collections agent, Darrell, stated no further fees would accumulate while under investigation. 6 agents told me different versions of results/status, one said he would take care of it, to check my account 3 days later. The account was still showing past due with a balance. A supervisor informed me that if they remove all the fees, I would still be responsible for paying the original balance.

Desired outcome: Remove all late fees and interest, assume the balance as this went too far and dropped my credit score 113 points. Notify credit bureaus of the error to adjust my credit history/score.

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lori hersman
Lindley, US
Feb 19, 2023 11:58 am EST
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this their angle !, this is a scam with this bank and branches,. Everybody has said the same thing they have done to me. EXACTLY.. This is a scam MARKET BANK.

LAWYER UP TO SHUT THEM DOWN

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3:22 pm EST

Comenity Credit Card

They debited my checking account without authorization for purchases I never made. They refuse to send me an invoice for what they believe I purchased and are now harassing me for payment. When I call customer service, I get disconnected. At this point, I just want them to go away and leave me alone Most recently I received an "URGENT" message for payment and a creepy

email about how they know this is a hard time for people because it is tax season and will help me pay my so-called debt.

Desired outcome: Just that they go away. I can provide documentation if requested.

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2:57 pm EST
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Comenity Overstock credit card

After paying off my overstock credit card in full, I canceled the card because of numourous late fees that were inaccurate. This month (almost two years after I Canceled the card) I received a bill for $ 300.00. After going through several conversations with their management, they admitted their mistake and that I owed them nothing. Meanwhile comenity bank showed my overstock card as charged off. Thus severely damaging my credit. Speaking to their staff is a nightmare.

Desired outcome: If they don't correct their mistake with all three credit bureaus, I will take them to court. Second notice twenty days left.

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4:41 pm EST
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Comenity Invoice for 2/9/2023

Received a bill that shows a late payment. Our bank sent them a paper check since they do not have an electronic for Comenity. They sent the payment on 1/13/2023; it was not due until 1/16/2023. That is 3 days. It does not take 3 days to go from our Bank to Dallas, Texas. I should not have been charged $25 for late payment. I had better get my $25 back. They are the worse credit card from the very beginning. Late in gettting our credit cards; had a hard time activating one of the cards.

Desired outcome: My $25 back

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1:13 pm EST
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Comenity AAA Visa

set up bill pay with my bank as I had with B of A, the previous bank AAA credit card provider, Scheduled payment 2 weeks prior to due date. Comenity did not receive payment. Spoke with my bank and Comenity rep and supervisor to explain situation to avoid late payment fees. I have had the BoA AAA card since its inception and never had problems. My bank notifies me that Comenity requires a check which my bank then sends them. So, to avoid fees, since the payment was due in 2 days, my bank put a stop payment on the check and I paid the entire $2800+ bill with a direct transfer from my bank. One week later Comenity cashes check and another $2800+ is debited from my bank account. When I again explained the situation to Comenity, they did not care and refused to remove the $28 returned check fee. this is not the only problem i have had with them. I had a fraudulent charge which they have not rectified either. Worst customer service ever, especially for a AAA product. I once had a problem with bill payment with BoA and they were happy to remove the interest and penalties. I have always paid my bill on time and in full. Apparently, Comenity does not care about their customers.

Desired outcome: refund of check return fee.

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9:59 am EST

Comenity Customer service

I called on Jan 21, 2023 to pay my account. The first representative took my payment and was fine. I advised him I had additional question so he transferred me to customer service. The lady first told me that the payment I just made covered Jan and Feb. later in the conversation she advised me that I'm past due for feb. I asked her many times to explain since it is not yet feb, she continued to give me conflicting information. I then said "Mam, I'm not trying to be rude, but this isn't making sense to me, could you please transfer me to someone who might be able to explain it differently ". She said "Yes, I will transfer you". The last thing I heard was her say "These stupid Americans don't understand " then the call was disconnected.

Desired outcome: I want community back to pull the call records and explain their customer service and discrimination policies

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11:57 am EST

Comenity Victoria's secret credit card

Closed my account without notice and there has been no explanation. Always paid on-time and was not using any of the available credit. Try to call them and the system hangs up when it recognizes you. What a terrible company. This type of activity does not look good on a credit report. I have worked hard to keep my accounts in good standing but when a company closes with good reasoning it just sets you back from your goals. Would understand if there was a missed payment but this was one of my best accounts that I managed perfectly. Will not ever purchase from Victoria's again after this.

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10:26 am EST
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Comenity Please refund $30.00 and definitely cancel any future payment’s immediately!

I have an unauthorized charge for $30.00 to “Comenitycard pay check payment” on my bank statement dated 12-27-2022. I did not agree to this payment and am not familiar with this company! I did not agree to a charge of $30.00 on 12-27-2022 “Automatic debit CHK #137 Comenitycard pay check pymt” I need a refund of $30.00 and the acct. and any further charges to be cancelled immediately! Constance Bourassa, January 18, 2023

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10:54 am EST

Comenity Bjs credit card

In August of 2022 I was double billed for a hotel stay. I stayed in 1 room but I was billed for 2 rooms. I’ve reached out to the hotel, to Bjs, and the booking agent. Per the booking agency someone booked the hotel room $587.12 through Priceline. I didn’t not do this transaction. I have called to dispute these charges as fraudulent. After being on hold for HOURS with a Comenity Rep my call was then transferred to another dept after waiting hours once again I finally hung up. So I’m making payments for a transaction that I didn’t do. Comenity has the WORST customer service of any credit card company I’ve ever dealt with. I’m disabled and it is frustrating to get through to these people. Do not accept any credit card offers from this company.

Desired outcome: I would like them to credit my account t for the fraudulent charge and have better customer service. I think this is a scam.

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6:25 am EST

Comenity the web site for Comenity bank

I have 3 accounts that Comenity handles.

Bed. Bet and Beyond

Boscov's

Dental First

When I go to pay my bill online, it keeps saying they are having technical difficulties which makes my payments late. I called them and they say sorry and still charge me late charges. I pay my bills on time and at the 1st of the month and the 15th of the month. I want this fix.

Desired outcome: I want my late charges back and my account to say I pay on time like I always do. This is affecting my credit rating.

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11:18 am EST

Comenity Commenity

I made a purchase at Camping world using my Commenity account. On the checkout it gave me the option to pay over 12 months with no interest. I selected that option. Commenity has been charging me interest monthly and refuses to resolve the issue. I cannot reach an agent onshore and am consistently being responded to with canned responses. Not a single statement is answering my questions! Poor customer service and lousy research abilities.

Desired outcome: Remove the interest charged and honor the agreement.

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11:38 am EST
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Comenity Bj's Comenity Mastercard

Comenity has been screwing up royally since around last summer. First they misplaced a $1000 dollar payment. They apologized and eventually found it around 6 weeks later. Around the same time I started having problems with my Awards at checkout. The website says I have $300 in Awards but whether or not they show up when I check out is like playing Russian Roulette. I've pretty much had it. Within the last few days I was sent a letter saying that Capital One was taking over. That explained everything. I'm tired of all the glitches. I've sent a message asking to have my Awards given to me as a check. That has not happened. If slightly dodgy things have been happening to your account, you are not alone.

Desired outcome: The desired outcome ideally is to have my Awards sent to me in the form of a check.

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9:18 am EST
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Comenity Credit card

The reader digest version: Applied for a Petco credit card in June, needed more info, pictures of ss card, license, and w-2 - stupid me actually sent it. It took 4 months to get credit card. Used credit card once in September and have a 460+ balance. Have been trying to pay it now for over 2 months. I can't open an on line acct - your system won't let me - ITS ALWAYS DOWN. Called Customer Service an average of 2x a week for the past two months trying to pay bill - Customer Service can't accept it because they can't get into my account. I refuse to mail, I don't think you'll ever get it and I won't have any proof. I want to pay this credit card so I can get rid of this disaster of an account. The credit card has been a thorn in my side since regrettably applying for it back in June! If you can get into my info (you'll see all the times I called), The last four digits of the card is 2379. You can reach me at [protected]@gmail.com

Desired outcome: Would like you to accept payment, and take off all late charges and finance charges, since you are the ones not being able to take my payment!

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4:57 pm EST

Comenity BJ's perks Mastercard

was issued card in Aug/Sept 2022. was able to make one purchase and card stopped working. comenity.net/bjs does not recognize my card number. customer service cannot pull up my account information nor take a payment. EZ pay option by phone does not recognize my account.. after many phone calls attempting to make payments and register account on line, i just got off the phone again (Dec 28th) with CSR and was told i need to make payment in full and they cannot refund late fees and interest charges and my account in collections now. Website still says "technical glitch" in system and doesn't recognize my account info. My credit score has dropped 100 points.

Desired outcome: Credit late fees and interest charges, accept payment for balance, and close account.

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9:42 pm EST
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Comenity redeeming points

i have been trying to redeem my accumulated points with comenity bank. They closed my account down months ago. I have over 45,000 points that i can not utilize. About 30 days ago they told me i could redeem them with BAKKT. i have tried numerous times, BAKKT told me that Comenity is not listed as one of their vendors. Finally today I get a response from the that i can redeem the points with the Hinda rewards catalog. But no where can I find a Hinda catalog. Comenity needs to be sued royally for their improper business practices. This is ridiculous! On top of everything, these points have to be redeemed by 12/31/22.

Desired outcome: Would like the proper place to redeem my accumulated points.

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7:55 am EST
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Comenity Comenity card ending in 9538 is a former AAA card. Close it and send proof

Email proof of closure and removal of Comenity from my credit-reporting history. Additionally, send written notice of closure and removal to address below.

I am James W. Crowley. I once held a AAA Visa (gas-rebate) card ending in 3013. That card was good until 09/23. Card details are/were:

James W Crowley

4149 Maystar Way Ste 100

Hilliard, OH [protected]

Comenity inherited me as a new AAA Visa Signature cardholder from Bank of America's AAA book of business.

I called Comenity customer support in September. They helped credit me $967.20 for a fraudulent charge on the 3013 card -- or perhaps it was one ending in 4280.

Air Serbia was paid Sept. 27 for a flight to Belgrade i never took. I contested a few other lesser claims as well.

On Oct. 28, Comenity sent me a letter that said a card ending in 9538 had been canceled. I merely had to pay $234.88 to take the balance to 0.

On or about Nov. 6, 2022, i paid the balance on any all cards, including 9538, to zero by paying $234.88. I'm presuming my original 1-card from AAA somehow got tracked under the two other last-4-of-account numbers.

Email proof of final closure of the AAA Visa Signature Card, or any Comenity previously issued to me via email:

[protected]@gmail.com

Desired outcome: Close card, say so in writing.Verify 0 balance.

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3:40 pm EST

Comenity Children's place card

If you opened a card with this company close it immediately. When I applied for credit my apr was supposed to be 18%. It was kinda high but I usually pay my balance off before I'm billed. Well..I was 3 days late on my bill. (I had not received my bill in the mail and had to sign on to see what I owed.) I was charged finance/interest rate of almost 60% of my balance. Almost 60%!

I emailed them and they sent generalized responses basically saying 'oh we changed the interest rate 2 months ago did you see our email? Nope. This bank nor company will get another cent from me. I will open my own kids store before I ever shop here again.

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9:56 am EST
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Comenity Children’s place credit card

I was charged late fees twice, but my card never arrived and I did not get any bill in the mail. I was supposed to pay $43 and they charged me $116. I requested if I can only pay a portion of the fees, but they said since I will be closing my account they will not do that. That lady on the phone seems like she was reading on something when talking, and she did not give any explanation of why they can’t reduce my payment. I told her it was not my fault that my credit card or the bill never came in the mail, but she keeps saying “there is nothing I can do. You have to pay the total balance.” I will never get into this situation again and that’s why I closed my account and will use my own card on my next purchase.

Desired outcome: I want to get all my late fees refunded to me because it was not my fault at all that I received these late fees. I did not get anything in the mail, so it wouldn’t be fair that I have to pay for fees that I was never aware of.

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About Comenity

Comenity is a major credit card company that issues store-branded credit cards for a wide variety of retailers. It's a significant player in the credit industry, known for its wide reach and extensive partnerships with numerous well-known retail brands across various industries.

Established in 1986, Comenity has grown into a company with a robust portfolio of co-branded and private label credit card programs with top-tier consumer brands. This extensive suite of financial products allows consumers to have a more rewarding shopping experience with their favorite retailers, helping to solidify the customer-brand relationship.

Comenity offers both co-branded credit cards, which can be used anywhere the card's network (like Visa or Mastercard) is accepted, and private label credit cards, which are exclusive to the retailer. Each card typically offers unique rewards and benefits tailored to the specific retailer, such as special discounts, exclusive access to sales and events, and loyalty rewards.

The company leverages its deep understanding of customer behavior to design credit products that not only meet customers' financial needs but also strengthen the bond between consumers and brands. This customer-centric approach has been central to Comenity's business model and success in the credit industry.

Comenity is also known for its user-friendly online platforms, which allow cardholders to manage their accounts, view statements, make payments, and more. Their digital platforms are designed to provide a seamless experience for cardholders, demonstrating the company's commitment to leveraging technology to deliver superior customer service.

In addition, Comenity is committed to responsible lending practices and maintaining a high standard of integrity and transparency. The company provides clear information about its credit products, including interest rates, fees, and terms and conditions, so that consumers can make informed financial decisions.

Furthermore, Comenity places great emphasis on protecting customer information. They have strict privacy policies and utilize advanced security technologies to safeguard cardholder data, reflecting their commitment to ensuring a secure and reliable service.

In conclusion, Comenity is a reputable credit card company that specializes in offering a range of store-branded credit cards. Their comprehensive suite of credit products, customer-centric approach, user-friendly digital platforms, commitment to transparency and responsible lending, and robust security measures have contributed to their standing as a leader in the credit industry.

Comenity Customer Reviews Overview

Comenity is a leading provider of co-branded and private label credit cards, partnering with top-tier brands to offer rewarding credit solutions to consumers. From customer-centric services to innovative digital platforms, Comenity has gathered a wealth of positive reviews for its commitment to enhancing the consumer credit experience.

One of the standout aspects of Comenity, as highlighted by numerous reviews, is the variety of credit card programs the company offers. By partnering with a diverse range of retailers, Comenity enables customers to enjoy the benefits and rewards associated with their favorite brands. This flexibility and broad selection have been well-received by customers, enhancing their shopping experiences and fostering loyalty to both Comenity and the affiliated brands.

Many reviewers also commend Comenity for its user-friendly digital platforms. Customers appreciate the ease with which they can manage their accounts, view statements, make payments, and access customer support online. Comenity's commitment to leveraging technology to provide a seamless and convenient user experience is a recurrent theme in many positive reviews.

Comenity's clear and straightforward communication practices are another aspect frequently praised by customers. The company's emphasis on transparency, demonstrated by providing detailed information about interest rates, fees, and terms and conditions, helps customers make informed decisions about their credit. This approach to responsible lending and clear communication is often applauded in customer reviews.

Customer service is a critical aspect of any business, and Comenity is no exception. Many customers have shared positive experiences with Comenity's customer service team, highlighting their professionalism, responsiveness, and efforts to resolve issues promptly and satisfactorily.

Lastly, customers often commend Comenity's commitment to data security. The company's use of advanced security technologies to protect sensitive customer information not only fosters trust but also gives customers peace of mind when using their credit products.

In conclusion, Comenity garners substantial praise for its diverse credit card programs, user-friendly digital platforms, transparency, responsive customer service, and commitment to data security. These aspects collectively contribute to Comenity's reputation as a trusted provider of store-branded credit cards.
Frequently asked questions (FAQ) about Comenity
Is Comenity a legitimate credit card company?

Yes, Comenity is a legitimate credit card company that issues store-branded credit cards for a multitude of retailers.

Who owns Comenity?

Comenity is a subsidiary of Alliance Data Systems Corporation, a leading provider of data-driven marketing and customer loyalty solutions.

What types of credit cards does Comenity offer?

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.

Are there fees associated with Comenity credit cards?

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.

Does Comenity have a mobile app?

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.

How can I pay my Comenity credit card bill?

Comenity offers multiple ways to pay your credit card bill, including online payments, mail payments, and phone payments.

Does Comenity report to credit bureaus?

Yes, Comenity reports to the three major credit bureaus: Equifax, Experian, and TransUnion.

How can I contact Comenity?

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.

Does Comenity have good customer service?

Customer service experiences can vary. However, Comenity is known to have a dedicated customer service team available to assist with any inquiries or concerns.

What is the average credit score needed for a Comenity card?

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.

Can I use a Comenity card outside of the specific retailer?

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.

How can I apply for a Comenity credit card?

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.

Does Comenity offer any rewards or benefits with their credit cards?

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.

What is Comenity's policy on late payments?

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.

Is it easy to close a Comenity credit card account?

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.

Overview of Comenity complaint handling

Comenity reviews first appeared on Complaints Board on Sep 4, 2012. The latest review Boscov's card was posted on Feb 26, 2024. The latest complaint Kay jewelers credit account was resolved on Jul 03, 2023. Comenity has an average consumer rating of 1 stars from 230 reviews. Comenity has resolved 2 complaints.
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  1. Comenity contacts

  2. Comenity phone numbers
    +1 (800) 675-5685
    +1 (800) 675-5685
    Click up if you have successfully reached Comenity by calling +1 (800) 675-5685 phone number 0 0 users reported that they have successfully reached Comenity by calling +1 (800) 675-5685 phone number Click up 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 number
    Comenity Bank
    +1 (855) 506-2496
    +1 (855) 506-2496
    Click 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 up 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 number
    Comenity Capital Bank
  3. Comenity emails
  4. Comenity address
    PO Box 182273, Columbus, Ohio, 43218, United States
  5. Comenity social media
Comenity Category
Comenity is related to the Banks category.

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