Comenity
reviews and complaints

I have an NFL rewards mastercard issued thru Barkleys that I've used for over twenty years. Several years ago, the card was switched to Comenity, and the rewards program was amended (no more ability to get gift cards) and now you can only use half your rewards points as a statement credit or register to use them in the NFL shop. I haven't used my card for over a year, and throughout that time I have tried hundreds of times to "register". I fill in all the data and press the "submit" button and NOTHING HAPPENS! Today, I was committed to finally getting my money no matter how long it took. After almost two hours on the phone and going through three levels of supervisors, I was told that the "registration" page is not owned by Comenity and I'd have to contact the NFL shop. After another hour and a half speaking to the NFL shop, the NFL, and the webmaster at the NFL shop I was told they DO NOT OWN the "registration" page and that Comenity is the only entity who can fix the problem. I have not used the card in over a year, and therefore a statement credit is useless. I can't register on COMENITY'S REGISTRATION PAGE, they refuse to do anything about it, so my only option is to walk away from MY MONEY. I'm going to assume this is exactly what they want all of their NFL fans/customers to do since they refuse to acknowledge there's a problem, and refuse to do anything further about it. I have already begun to tell every person I know to cancel their Comenity NFL card, I've told the NFL they need to distance themselves from Comenity before it really hurts their business, and I will never again every use Comenity or Bread Financial (the parent company). Further I have tried repeatedly to get contact information on Bruce Bowman (CEO), or anyone else tied to the board of directors of this really lousy company. If you value your money DO NOT DO BUSINESS WITH THEM!

A few weeks ago, I attempted to use my ALL Rewards card at a local establishment. The card, ending in 4090 (enclosed) was denied. You cannot imagine my embarrassment and surprise to find it was denied. I simply could not believe it and asked to have it run again. I knew I had a substantial available balance (it was at zero!) but I could not access it. Upon researching the problem, I found, to my dismay, that the card was cancelled due to “inactivity”. What a travesty this is! I have been an excellent customer since I joined. I have never missed a payment. I use the card and pay it off promptly. And the card is cancelled due to inactivity? What kind of customer appreciation and respect is that? In addition, your company did not have the decency to warn me that the card was about to be cancelled. More disrespectful customer service. You cancel cards because you are not getting your exorbitant interest rate fee?

I am retuning your ‘priceless’ card, cut up. I do not want to use a card that treats its customers with such disrespect. I have advised my friends and family to cancel their cards, if they have one for just the same reason. Do not send me offers to join. All this company wants is its interest rate fees. Comenity Bank is absolutely the worst bank to do business with ever.

Comenity is a company that I would not recommend to anyone. They are the worst company to work with. When you send them a payment, they take 20 days to process it, which makes it late. Then, they charge you a late fee. It's frustrating because you're trying to do the right thing by paying on time, but they make it difficult for you.

When you try to call them to see what's taking so long, they give you the run around. It's like they don't care about their customers at all. They should be more transparent about their payment processing times and not charge late fees if they're the ones causing the delay.

Overall, I would not suggest Comenity to anyone. They're not a trustworthy company and they don't value their customers. If you're looking for a company to work with, I would recommend looking elsewhere.

So, I've been using Comenity for a while now and I gotta say, I'm not too happy with their service. I always make sure to pay off my statement balance at the end of every month, but for some reason, they still charge me interest. I don't get it, they told me that interest is a month in arrears, but that just sounds like a bunch of mumbo jumbo to me.

Honestly, it's frustrating because I feel like this is how banks mess up your credit score by being all shady and whatnot. I mean, come on, I'm doing my part by paying off my balance on time, why can't they do theirs and not charge me extra fees?

Overall, I think Comenity is the worst bank for credit cards. I really hope that Victoria's Secret finds another bank to service their cards like BJs did. I'm just so annoyed with this whole situation.

But hey, maybe it's just me. Maybe I'm not understanding something or maybe I'm just not good with finances. Either way, I just wanted to share my experience with Comenity and let others know to be careful when using their services.

I gotta say, I'm pretty disappointed with Comenity. I've been waiting for my pin to arrive for what feels like forever now. I've asked them to send it to me three times already, and each time they tell me it's on its way. But guess what? It never shows up! What's the point of having this card if I can't even use it when I need it most? I was planning on using it for some extra cash while I was out of town, but now I'm stuck without it.

I tried asking them why my card isn't working, but all they could tell me was that they could send me another one. Like, seriously? What good is that gonna do if the first three pins haven't even shown up yet? It's frustrating to say the least.

I really hope Comenity can get their act together and figure out what's going on with my pin. I'm not sure how much longer I can wait for it to arrive. It's just not a good look for them to be so unreliable. I'm starting to regret getting this card in the first place.

Comenity is a company that has been causing a lot of trouble lately. They don't have any accreditation, and there are some good reasons for that. They have some pretty shady practices that make it hard for consumers to trust them. It's really disappointing, because people should be able to expect ethical treatment from any business they deal with.

One of the biggest problems with Comenity is that they like to hide behind the names of other companies. For example, they manage the Visa credit cards for companies like Williams Sonoma. But even though these cards are offered in the name of these other companies, they're still subject to Comenity's fine print policies. And those policies can be pretty brutal.

It's really frustrating that Comenity is able to get away with this kind of thing. They need to be held accountable for their actions. It's not fair to consumers who are just trying to do the right thing and manage their finances responsibly. The federal authorities really need to step in and investigate this company. Something needs to be done to stop them from taking advantage of people.

Comenity is a company that I would not recommend doing business with. They have partnerships with disreputable companies that scam people out of their hard-earned money. When you try to get help from Comenity, they give you the runaround and side with the scammers. It's frustrating to have to pay for something that you never received, especially when you're paying an absurd interest rate.

Their customer support is not helpful at all. They don't seem to care about their customers and only care about making money. Even when you provide proof that you never received the product, they still side with the scam company. It's almost like they're getting kickbacks from the scammers.

I highly recommend staying away from Comenity and any company that partners with them. It's not worth the risk of getting scammed and having to deal with their terrible customer support. There are plenty of other companies out there that are more trustworthy and have better customer service.

I ain't never gonna finance nothin' through Kay Jewelers again, thanks to this bankin' company called Comenity. They took a whole three weeks to cash my check, just so they could charge me interest! My due date was on the 17th of every month, and I had the bank send a check on the 8th. But Comenity still waited until the 22nd to cash it, just so they could make a quick buck off of me. And when I called them up to complain, they just dismissed me and made me pay up anyways. It's piss poor service on their end, and now Kay's is dealin' with the repercussions. But you know what? There are plenty of other jewelry stores out there, and that's where we're shoppin' now. So long, Kay Jewelers and Comenity!

So, I had a credit card from Victoria's Secret that was through Comenity. I missed one payment and they started calling everyone and their mother trying to get in touch with me. They called my father-in-law, my sister, and even my husband's grandmother who is in hospice care at a nursing facility. I don't even know how they got all of these phone numbers because none of them are on my account. They kept calling and leaving messages, which was really annoying and felt like harassment. It's just not acceptable to treat customers like that.

Eventually, I paid off my card and closed the account. But now, they're calling me again because my mom missed a payment on her card. It's like they never give up! This is just ridiculous and never-ending. I don't understand why they have to be so aggressive and persistent. It's not like we're trying to avoid paying our bills or anything. We just missed one payment and they acted like it was the end of the world.

Overall, I would not recommend Comenity to anyone. Their customer service is terrible and they don't seem to care about their customers at all. If you're looking for a credit card, I would suggest going with a different company that actually values their customers and treats them with respect.

I've been dealing with Comenity for a few months now and let me tell you, it's been a real hassle. I've tried to make payments through several different methods, but none of them seem to work. It's been frustrating to say the least. Finally, I decided to call a representative to help me out. They were able to process my payment, but then I received a call from Comenity collections telling me that my account was past due. I was confused because I had just made a payment. Apparently, my payment was showing up, but not posting. When I called to ask about this, the representative I spoke with was quite smug and told me that "calls will continue until the payment is made". What a bunch of [censored]s!

I have several lines of credit with Comenity, including BJs, Famous Footwear, Venus, and Boscov's. If I didn't need these accounts for my credit report, I would close them all in a heartbeat. I called customer service with four different issues, but not a single one was resolved. It's frustrating to deal with a company that doesn't seem to care about their customers.

Overall, my experience with Comenity has been less than satisfactory. I'm not sure if I would recommend them to anyone. If you're looking for a company that values their customers and provides excellent customer service, you might want to look elsewhere. As for me, I'll be sticking with Comenity for now, but I'll definitely be keeping my eye out for other options.

This bank is a total nightmare, let me tell you. They took over the AAA Visa card accounts from Bank of America and everything has been a mess ever since. I had those AAA Visa cards for years and never had a problem with Bank of America. But once Comenity Bank got their hands on them, it's been one headache after another.

First of all, they changed the billing dates without any warning. I mean, how are you supposed to keep track of your payments when they keep moving the due date around? And then they renewed the wrong account, which caused even more confusion. I tried to reach out to them to get it sorted out, but it's like they don't even exist. I couldn't get through to anyone on the phone, and their online chat was always offline.

I have a credit score of over 800, which is pretty darn good if you ask me. I've never had a late payment with anyone in my life, but Comenity seems to think I owe them money. They keep harassing me by mail and email, saying I owe them late fees. I disputed it with them, but they just won't let it go. It's like they're trying to extort money from me or something.

I'm not the only one who's had problems with Comenity, either. BJ's wholesale stopped doing business with them as of January 2023 because they were so unhappy with their service. And I don't blame them one bit.

I closed any credit card that was associated with Comenity, and I suggest you do the same. They are the worst bank ever, and I wouldn't wish them on my worst enemy. Lord knows how long this is going to go on, but I'm not going to let them get the best of me. If I owed them anything, they would have been paid. But I don't, and I won't let them bully me into giving them money I don't owe.

So, I had this experience with Comenity (comenity.net) that I just have to share. Last year, I made a huge purchase at Overstock.com and was thrilled to find out that I could pay it off in 12 months with no interest. I mean, who wouldn't be excited about that, right? But then, the merchandise took almost a month to be delivered, which was a bit of a bummer.

Anyway, fast forward to my last month of payment and I was hit with a $541 extra charge on my statement. I was shocked and confused, to say the least. So, I decided to contact customer service to try and sort things out. And let me tell you, I have never been treated so poorly in my entire life.

The attendant and supervisor I spoke with were both extremely unprofessional and rude. They didn't seem to care about my issue at all and were unable to work it out. It honestly felt like I was being pranked or something. I was so frustrated and disappointed.

After that terrible experience, I decided to reach out to them again through Facebook Messenger. They opened a ticket for me and said they would get back to me in 2-3 days. But guess what? It's been a week and I haven't heard a peep from them. Not a great look, Comenity.

I've since seen thousands of 1-star reviews about this company's policies, how dishonest they are, and how terrible their customer service is. It's really a shame that people have to deal with this kind of thing. That's why I'm posting this review here - to let people know what kind of company they're dealing with.

Overall, I would definitely caution anyone against doing business with Comenity. It's just not worth the hassle and frustration.

Closed my account May 23. Had a credit of &98.64. Check was returned. Had a legal copy and deposited that. Returned again. They insist it was cashed. Even with my bank account records showing the check was taken out of my account they still have ny money. Phone calls useles. Written disputes unsuccessful and dispute dept does not use phones

They are greedy and do not communicate

Greetings, my name is Kevin Haley and my wife & I purchased this house [2010 Delia Drive Clarksville Tn 37042] from Lisa Wilson-Dickey. We will have lived here March will be 4years. When we 1st got here she asked if any mail came here 2hold it 4her. fast-2ward 6 months we started sending it back to the post office. She has/had a friend working at the post office who would separate her mail and deliver it 2her. I have been to the post-office 2x complaining about this, I even emailed the postmaster general about this but nothing has changed. I don 't know what she's doing but this house is OURS we have nothing to do with Lisa. [I think she lives in Kentucky now]. Any questions please let me know why she still has mail coming here but I don't like this at all. It feels like she is doing something but I don't know what.. Our home phone number is [protected]. Please update your records. Thank-you

Mr. Kevin Haley

I hate "Comenity" with any along with Women Within or Full Beauty, even with a new Dell Technology too (it is new)! I have an issue changing my password/username four times and still, it doesn't work. The Company of Comenity is a mess! My billing has been increased because of not make a payment due to the issued password and username. So I found an address for the Payment Center, P.O. Box 659728, San Antonio, TX [protected]. I (mailed) sent it a third time with a check, and it keeps returning back to my address with an unknown address. It is frustration. Plus I did send an email to Women Within about my problem, and I asked them to please send me a billing statement, and I never ever got a response from them. What more can I do? I am deaf, and I am on disability, and plus the Women Within keeps increasing payment because of the past three or four months of missed payments. I cannot contact Women Within online, and I cannot write to this company. What choice do I have? I am stuck!

We pay our bills thru and online bank account. We always pay at least 2 wks in advance. Our aaa credit card thru Comenity Bank has always been a problem twice in the past year they failed to credit our account and charged us late fees both times we sent them copies of our cancelled checks and it was then credited back to our account . I complained to AAA and they said they there had many other AAA members that paid thru online bank paying have been having the same issue. And Comenity bank has ruined our credit rating.

we got had by people that work on your behalf in Las Vegas. all underdress. we were told its not a time share, it is most definitely is a time share. We tried to cancel but they never answerd their phone calls . numerous emails, left messages, were all ignored. and phone number they gave us is disconnected. i feel maybe you should look into this. it's nothing you did rest assured of that. I find they were not professional at all. they talked about all the prisons he was in and seemed to be proud of being a gang member and the guns he owns. The whole ordeal just gave us an uneasy feeling. I sure hope you can help us we can't afford to have my credit harmed for this Thank you in advance

respectfully submitted, Kevin Donahue & Kathleen Rock

928.486.2526 928.486.4188

I paid this account in full in March of 2023 I returned a bit late from a trip when I did my last payment. The automated system for their pay by phone did not indicate that I was late. I received a bill in May with 2 late fees I called them and I told them to close the account. They continued to add a late fee after late fee and interest on top of the late fee. I have had the worst experience with this bank. The thing is I did not have a balance and their unfair practices have ruined my credit.

With both my Lane Bryant account and Academy account, I can never get access to make my payment online. I start fighting your website 2-3 days before my payment is due and end up paying on the day it is due.

My bank takes it out the next day and you charge me a late fee.

This is the poorest excuse of customer service I have experienced. This has been going on for several months and I have not seen any improvement.

It is hard to pay off my comenity accounts and cut my credit cards so I don't have to deal with this frustration, when you keep adding fraudulent charges to my accounts.

Per the agreement of signing up with the card they offer a $100 statement credit if you spend $500 within the first 90 days on items outside of the NFL and then they are suppose to issue you the $100 after 90 days and its been 7 months and I still have nothing! I call every week and its the same story we are working on it and we are sorry. You owe me the statement credit as I did my part per the agreement. AWFUL CARD

When Comenity/ Bread Financial took over my credit card I did not receive a bill for months. I started receiving late notices and no bill. I would call them and they would tell me my payment was past due.

I finally received one bill a week after the late notice came. Since February I have not received any bills or late notices.

Now I see they have hit my credit claiming I am 90+ days late.

Account reactivated to purchase shoes on sale. Reactivator did not verify address - we had moved. Paid the balance in FULL when bill was finally received after being forwarded by P.O. - 2 months later. Have had 3 late fees added while the check was being processed - not sure why. Have since made 11 calls to Comenity. 2 today and on transfer to a supervisor, who is the only one able to address late fees, I was cut off; requiring dialing back, entering all of the info again, listening to prompt options that do not apply. I AM QUITE DONE WITH THIS. I HAVE DONE MY DUE DILIGENCE and then some. PLEASE ERASE THE BALANCE, CLOSE THE ACCOUNT. I WILL NEVER SET FOOT INTO A BOSCOVS AGAIN! Account last 4 digits: 1410. Last 4 of SS 1695. Name: Bernice Harding, 29 Woodbrook Drive, Coatesville, PA 19320

Paid in full on receipt of bill on 6/2/2023 $151.05. Cleared my bank on 6/12. Balance was then $3.09. Now it is up to $45.09 AGAIN with the late fee. Supervisor on 7/24 told me it would be cleared out in 24 hours. Still getting BILLS. On the phone now with Kayla at Headquarters.

I dont use this card a whole lot. Probably only 2 or three times a year and always pay balance off early. I recieved a letter saying they were closing my account due to inactivity or my due to my credit score report. I messaged online to appeal the discion because I have 100 % payment ontime history for the past few years and have used my card responsibly . My account was still closed and I'm worried it's going to hurt my credit score that I've worked so hard to raise these past 8 years. This is just a terrible way to treat good customers.

To Whom It May Concern,

I am emailing this to you as I have been in contact with two representatives on July 29, 2023 & July 30, 2023) regarding the above matter. I have been informed that my card cannot be reactivated. I'm very upset as I was told by one of your representatives, Zach, that two letters prior to the third and final letter closing my account would have been sent by mail. I did not receive either of those two letters. I only received the third and final letter. Hence, Zach sent an email to Christina, who is one of your supervisors, and the response I was given today, July 30, 2023, as I called in again since I did not hear back from Christina was that she is unable to reactivate my card ending in 0153 due to inactivity. My card expires on May, 2026. This now is going to cause a negative remark on my credit bureau which I am not happy about. I have been a customer of Zales for many years! If I would have received the other two letters, I would have called immediately, just like I did yesterday (Saturday, July 29, 2023) receiving a letter to close my account, or I would have made a purchase with my card. I want to stay with Zales, but should not have to reapply for another card which, hence, will also pull on my credit rating. Please reopen my account so I am not inconvenienced any further or sustain a negative rating on my credit bureau as those numbers are imperative to a person which defines the responsibility of an individual, and when things like this show a negative impact, it impacts a lot to the future of an individual (i.e. employment, home, car, insurance, etc.). I should not be punished for this as a result of not receiving two other letters.

Thank you for your time and consideration with regard to this matter.

Sincerely,

Susan L. Katana

[protected]

I pay by y debit card each month, from my primary checking account. Today I received a letter from Comenity Full Beauty stating that my last 2 payments were "returned" by the bank, and that my account is now frozen. I also was charged with returned payment fees.

I have been poring through my bank statements, and I am unable to find any place where my payments were returned. The money was available in my bank, and appears to have been paid out on the date I made the payments.

When I called to speak with someone at Comenity, I was barely able to understand what they were saying, and she seemed to not understand what I was telling her either. I was so frustrated by the end of the call that I just made the amount due payment and decided to speak with my bank tomorrow about the issue.

I can say that I will be closing ALL accounts that deal with Comenity ASAP!

I feel like this is some sort of scheme being used to bilk money out of people, even GOOD customers!

I purchased some furniture from Big Lots 2 years ago for $2,500. They offered zero percent financing for 2 years. I set up automatic payments on Comenity's website of $100 per month. All of my payments were made on time.

Apparently I made a mistake about when my last payment was due. I had a balance remaining of $100 to pay it in full at the time of this complaint.

When I saw that my statement balance had increased by $1,272 I immediately went to the website to see what wrong. I thought perhaps my card had been compromised. When I looked at the most recent statement (I signed up for paperless statements) I realized that the sudden balance increase was deferred interest.

I immediately called Comenity to pay the remaining $100 and have the huge interest charge reversed. They refused. They told me my June statement contained a notice that the promotion period would end next month (July).

I have no reason to look at my paperless statements because I always make my payments on time.

Although I received a typical monthly email notice stating when my next payment was due, I never received any notification that the promotion period was coming to an end.

I admit I miscalculated the pay off period . I rectified it as soon as I realized the mistake.

As an aside, I was also hospitalized with serious heart issues around the time the June statement was issued. I was unable to keep up with my usual focus financial duties even though all of my monthly bills are paid automatically.

The deferred interest charge is almost 50% which is outrageous. It's as though they lied in wait like a predator waiting to pounce. They should have sent an email warning that the promotion period was ending in addition to the notice on the paperless statement.