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.

I have had a jjill credit card, and your connection to this store, for many years!
I had no idea that they were no longer sending a paper bill, therefore, I accumulated a balance of around $300.
I called jjill about this issue and they told me to reapply and that my credit card was revoked!
I tried to reappy online.
I recently received a letter saying that they were unable to approve my apllication.
This is absolutely ridiculous. I have a high credit score
And pay all my bills on time! I hope that you can intercede in my behalf so that my credit is not ruined.

Both my husband and I had separate accounts with Comenity. We have our bank send our payments. First, my payment went out. Comenity cashed it. Then they contacted me to say I hadn't paid and had a bunch of fees. I contacted them saying that I had paid. They said I needed to mail them bank statements to a different address. I did that. Then they mailed back and said they couldn't accept bank statements as proof. We got our bank involved but nobody and nothing could convince them that we had paid. They eventually sent back the money and I just paid off the card completely and cancelled it instead of getting the dispute resolved and taken off my credit report. That very week, we received notice from them that my husband hadn't paid his bill - but he did. When calling in they said they'd give us $15 back but they recommended we not pay until after the due date. We said "then we'll have even more fees." And they said, "yes." We are just paying that one off and then will cancel the account. And are hoping our bank can get the funds back that we've now sent in twice.

I had shopped from boscove store in Woodbridge,NJ. many times,and was paying cash.except the day they offered me to apply for boscove credit card.I only had one thing bought by this card(temporary) was 24 or 25 dollars.

After very long time,they sent the card by mail,with statement say /purchase amount +late fee charges equal almost to the purchase amount.I holded my phone and called boscove #written on back of my card,the representative was able to remove the fee,and I maid full payment of the purchase amount.

But unfortunately the following month I had statement saying I owe the purchase amount +last month fee which was removed+newer second month charge.I spoke to them again why they did not post my payment?they have not gave me any logical answer,but she asked me to pay 44 dollars instead of twenty something?!

I said/I had made attempt to pay my full balance of twenty something dollars.and the multiple late charges added to my bill is not my responsibility

And made a payment of the twenty some thing dollars and thought that this rep.understood.but following month instead of having zero balance in my statement the balance was $129.00

Why all those frustration for one thing bought.is it my mistake that I shopped from boscove,I do have many store credits,I use them and never had seen problems as those from boscove.

Why should I scream,despite I owe this account nothing,and they kept making mistakes in my account one after another?

Indeed correcting this account asap,and sending me the corrected bill with zero balance.

Thank you

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!

Hi I made my credit card off, then I had an interest payment for 2.00 and they sent me to collections without calling me, emailing me which is I know is illegial.

I am disputing all credit marks and late fees on my account. Comenity Capital Bank never called me.. Comenity Capital Bank did not follow FDCPA rules by contacting me about the delinquency as I received 0 collections phone calls and 0 collections letters. Comenity Capital Bank provided me the incorrect address for Credit Disputes when I called them. FDCPA violation - I called Comenity Capital Bank on 12/02/23 and I was not advised of any mini-Miranda for collections purposes, which is an illegal practice, I was only advised my account was 30 days past due. The amount due I was quoted was in accurate and did not match with the Comenity Capital Bank website. TCPA violation

COMENITYCAPITALBANK/IKEA

Delinquent Payment

COMENITYCAPITALBANK/IKEA account has become 90 Days Late

Between Oct 16, 2023 and Nov 15, 2023, your COMENITYCAPITALBANK/IKEA credit card status changed from "60 Days Late" to "90 Days Late".

I received an email from Dell Credit regarding Comenity Bank is taking over and I also received an email the steps to follow. Oct. 10th I contacted Comenity Bank because my payment is due on the 17th of every month. I was told they could not locate my account. In my email I clicked the link to register and put in the information that was requested and again told account not found. I contacted Comenity Bank several times regarding this and I have been given multiple numbers which I have contacted and was told several times my account has transitioned to Comenity Bank. I confirmed with Dell that Comenity has my account and I do not have a business account. I was told twice my account is being escalated to IT department and tonight I was told they have no IT department. Even worse supervisor at Comenity applied for credit without my knowledge and now I have a hard inquiry and I was made aware of this ONLY by a letter I received saying I have to lift my credit freeze, I HAVE NO CREDIT FREEZE! I ALREADY have credit! I just want to make my payments so this doesn't ruin my credit which I have been working so hard on.

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.

I have seen many complaints regarding this. Recently Dell switched their financial accounts to Comenity bank it was an utter and complete mess! I got one notice in the mail with less than 30 days notice of the switch with no information on how that was going to roll out.

I finally got a paper bill in the mail stating I was a month late and they applied a $20 late fee, for their mistake and their poor roll out of getting accounts switched over. It was Dell who switched and gave little to no notification and then the expectation was the consumers to do all the leg work to now find out what the new account number was through Comenity and then try and set up an account online with them which proved fruitless because once I finally got access, the site would not work to make a payment and kept randomly locking me out. I finally called which was a joke because of the automated system that has you jumping through hoops to talk to a person. Finally get through and it is a person who barely speaks English and had to repeat herself several times. Even worse is that she had no access to my Dell account and could not tell me the account balance or what I had to pay. She said because they are just switching over she does not currently have access to that information. Which begs the question can I charge Comenity a late fee or inconvenience charge for not having everything switched over yet and their customer service representatives not having access to the account information? I feel it's fair since Comenity can do that same to it's customers. I was so frustrated at this point I just went ahead and paid off the remaining balance so I do not have to deal with Comenity and their poor business practices and charging extra fees for their mistakes and poor roll out of getting accounts switched over. NEVER AGAIN. Sorry Dell I will never buy through you guys again! It is terrible and unacceptable that you would treat good customers this way. As for Comenity, they must've been the lowest bidder for you to go through them. They have a history of being terrible and my experience with them over this only reinforced that.

They need to give customers time to figure out that they have to do all the leg work to get their accounts set up through another creditor. In other words no late fees or extra transactional fees until 6 months after the initial switch to Comenity.

Comenity Capital bank recently took over Dell Preferred Credit accounts. The account transfer process is a fiasco.
Comenity sent new account numbers via USPS but, for many of us, the mail never showed up before payments were due and the not yet receive account number is needed to sign up for online access.
To infuriate customers even further Comenity sent email stating:

"Your new account number was sent in the mail in late September. If you haven't received it yet, don't worry! Simply contact us at [protected] (TDD/TTY: [protected]), and we will assist you promptly."

That number is answered by an automated system that delights in telling you that it will not disclose account numbers over the phone. Working the automated system through several prompts to get a live person gets you the same result from the representative - no account number over the phone but we will USPS mail it to you again. How very helpful - not!

This was entirely the wrong way to handle the account transfer. The right way would be to create new Comenity accounts with the ols userid/password. Or use a secure online method to disclose the new account number. One can buy a house online and transfer all legal documents securely - why cannot Comenity pass account numbers online securely?

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.

Late summer of 2022, I received a letter from bank of America informing me that my AAA visa is switching from bank of America to comenity capital bank. Nothing would change and I would not lose my current rewards. I called bank of America to check on my rewards and they told me I had $681.56 that was near expiration and they sent that check. That check was deposited in my account on September 27, 2022. I was told I had two more rewards of $581.20 and $489.99 that I still had on my account, and I would receive those rewards when the switch was complete but give comenity time to get everything in place. This was to happen around October 31, 2022.

I called comenity of December 5, 2022, explaining the situation and I wanted my rewards. The person I spoke with told me there was no record of such rewards and I would need to file a dispute. I did receive a letter dated December 6, 2022, that it could take up to 90 days to resolve. The letter referred to a complaint that was regarding a fraudulent charge not my rewards. They wanted additional information regarding the fraudulent charge. I called to let them know this was regarding my rewards and not a charge on my account. I did file a complaint with CFPB on May 12 and I did get a response from comenity saying that the dispute could take up to 90 days to resolve. They only intervention from CFPB was that they require a response to me and nothing else. Waste of time. These are the dates I have contacted comenity: 1/9/2023, 3/14/2023, 5/1/2023, 6/28/2023, 7/3/2023, 7/12/2023, 7/21/2023, 8/17/2023. When I call no one has record of my complaint about the rewards. I am told that the situation is very complicated and it could take up to 90 days. They refile another complaint and I get another letter wanting addition information regarding a fraudulent charge.

The news reported that bank of America was forced to make good on their debts. I don't know exactly what that means, but I want my prior rewards on my AAA visa card from comenity.

Thank you.

Teresa Mislinski

116 Mislinski Road

Springbrook Township, Pa. 18444

Phone: 570.903.1586

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.