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1.0 230 Reviews

Comenity Complaints Summary

2 Resolved
216 Unresolved
Our verdict: If considering services from Comenity with a critical resolution rate, extra caution is advised. Examine detailed customer feedback to understand the severity and nature of unresolved issues. Be prepared for the possibility of unsatisfactory responses and have contingency plans, including seeking assistance from consumer advocacy groups if necessary.
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Comenity reviews & complaints 230

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Newest Comenity reviews & complaints

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11:06 am EST

Comenity Letter requesting to open a paypal credit account

Today I received a letter in the mail indicating that my husband's first deceased wife had recently requested to open a PayPal Credit account. I don't know how that is possible since she has been six feet under the past 10 years. I understand that she had once had a serious spending habit and maxed out most of the credit cards but I'm pretty sure Amazon doesn't deliver to her current address. How does this happen. Anything I need to do at this point to assure this does not happen? The letter indicated that her request was denied but what's to say somewhere along the line it is approved in the future.

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5:44 pm EDT

Comenity Letter denying credit for an account in connection with a purchase at delta bmla 10.4.15

Never applied for any credit; have not bought anything that would have triggered a request for credit; and without a legitimate phone number where one can reach a real person have concluded it is a scam — tho not sure for what as the credit has been denied. request to open PayPal Credit account 10.4.15 reference #[protected]-[protected]

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2:34 pm EDT
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Comenity Delta bmla

I received two letters both dated 07/31/15 from Comenity Capital Bank. I never requested PayPal Credit.

This letter is in response to your recent request to open a PayPal Credit account. Our records show that you requested a PayPal Credit account on 07/21/2015 in connection with a purchase at Delta BMLA.

We regret that we are unable to approve you for the service at this time for the following reason:

Your information was incomplete or inaccurate or the circumstances may have suggested that the purchase was not made by you.

You do not need to respond to this letter. If, however, you have any questions about this service, please contact PayPal Credit at the above address.

Thank you.

Sincerely,

Comenity Capital Bank c/o PayPal Credit
PO Box 4415
Timonium. MD 21094

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Carol Lee Mathis
, US
Apr 13, 2018 4:58 pm EDT

We received this letter today date 04/08/2018. This letter is in response to your recent request to open a PayPal Credit account. Our records show that your requested to open an account or make purchase using the paypal credit payment method on 03/29/2018.

We have had Fault on our account and will get in touch with the police department about this.

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Janice Harkins
, US
Dec 05, 2017 4:43 pm EST
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TODAY 12/5/17 I RECEIVED A LETTER TO MY ADDRESSED TO A FELON FROM YOUR COMPANY . I AM MAILING YOU A LETTER CONCERNING THIS. DO NOT I REPEAT DO NOT SEND ANY MORE MAIL TO KAMIE HARKINS. SHE IS NO SUCH PERSON BY THAT NAME. PLEASE CHECK ARREST RECORDS

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Enrique A. Callejas
, US
Sep 10, 2016 1:20 pm EDT

I did also receive the same letter. I never applied for a credit card with you people, I know better than that.

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Sue Sandage Chambers
, US
Aug 13, 2015 8:23 pm EDT

I received the exact same letter today for my brother that was forwarded to my address. He, too, tried to open up an account through Comenity Bank c/o PayPal for a purchase at Delta BMLA. The letter further states that "your information was incomplete or inaccurate or the circumstances may have suggested that the purchase was not made by you." I can 100% verify that he didn't make the inquiry as I have his cremated remains from September, 2014 in an urn on my desk.

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dale conaway
, US
Aug 07, 2015 9:50 am EDT

My name is Dale conaway I have a letter from you sayn that someone has made a purchase under my name when I wasn't around on the date of 07-03-2015 and that it was incomplete or inaccurate I would like someone to contact me so we can resolve this matter again thank you kindly Dale conaway my personal cell number is [protected] thank you sincerely Dale Conaway

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8:26 am EST
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Comenity Ripoff bank

I opened accounts with Comenity Bank beginning in July of this year. I received a total of 30 credit cards with this bank and had so many cards they gave me, I had to close around 10 of them on my own. For whatever reason, every time I applied for a card, it would go to their “fraud” department.

I was required to answer 3 simple questions from public record and they would almost always approve me. I used maybe 10 or so cards giving this back at the very least 3, 000 dollars always paying on time and always paying at least the minimum payment. I applied for a Game Stop card, and that’s when the fun begins. I got a very nasty, sarcastic and disrespectful supervisor who didn’t do a thing for me when I told her when I call and I correctly answer your 3 questions to verify it is in fact myself who applied, then got declined anyway. I had asked for a supervisor who IMO thought could get me approved anyway she did absolutely nothing for me at all. I yelled at her not screaming or cursing at her mind you, just raising my voice, and after I was done, she goes, “that’s ok, I’ll fix your a*s”. A couple of days later, ALL 30 of my accounts were closed. They “claim” they needed to verify that I was, in fact, the one who applied for the cards. They advised me to send them a copy of my drivers license, social security card and utility bill.

I did this immediately priority mail. They received it according to the USPS records and I heard nothing back from them. I kept calling them to see what happened to the paperwork and all they could do was humor me. I finally got a very nice supervisor on the phone who re-opened my accounts, But they only stayed opened for about a couple of days, then they were all closed again. About 3 weeks go by, again nothing, so I re-send the paperwork again priority mail (were going over ten dollars just in mail) FINALLY almost 2 months go by, they tell me the address I sent the paperwork to is only their mailing address and they forward the paperwork to the correct address. Finally after almost 2 months, I called them and they told me they tried calling me (which they never did, caller ID doesn’t lie) and tried to contact the electric company and they couldn’t verify my information.

When I called the electric company they immediately verified I had an account and it was in good standing never late once in the 2 years I had service with them. Next thing I know, I get 20 letters that my accounts are being permanently closed because of “security issues” despite I have already proven time and again to them I am indeed who I say I am not only verifying this in the initial application process, but also sending them copies of my drivers license, social security card and utility bills. I was so proud of these cards, used them properly doing the right thing paying them on time and STILLED got screwed. You know, sometimes you wonder if doing the “right” thing is the right thing. I always thought you were suppose to have a relationship with you bank, but in this case, it is the bank who screwed me! To add insult to injury, I have to pay these #s back, otherwise they will really screw me!

DO NOT USE Comenity Bank! They also charge 26% APR, but I didn’t care because in the beginning I thought they were the best bank in the country. The bank is garbage, the people who work there are garbage and worse than that they use a PO box for all their correspondence and have no street address. Just remember every single card I have with them is being treated with responsibility and maturity

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1:14 pm EDT
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Comenity Some one is using my address to try to open an account on 7/24/14

I received a letter in the mail yesterday with with the name Danish Khan with my address. Don`t know this person. the letter said this person was trying to make a purchase or open an account. Which thank goodness was denied. I used Pay Pal One time and I am wondering if this is someone Trying to use my info. I have never heard of have given this person to use my address. There was no phone # on. the letter

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12:27 pm EST
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Comenity - Have no idea how they've got my card details

I recently found out that the company Comenity Card Pay charged my account for $25. They did it without my authorization and warning me. I haven’t used the services from this company. Also the company didn’t provide the contact information, so I have no idea how to track them. They are liars and scammers, and I want to find other deceived customers, who...

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10:58 am EST

Comenity They've stolen money from my account

I recently found the website of the company Comenity Pay SB Web. They provided free apps, but also apps for charge. But I downloaded only free apps, but after that I noticed two withdrawals from my account. This company charged me for free apps, and they took about $30 in total. So be careful if you use this website or leave comments if you had horrible experience with this company.

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Constance Bourassa
Cresco, Iowa, US
Jan 18, 2023 9:56 am EST
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I did not authorize a charge on my bank account for $30.00 paid to “Comenitycard pay check payment” on 12-27-2022! How do I get my money back & cancel any further charges?

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josegrapinino
, US
Nov 29, 2016 4:41 am EST

Attempting to charge me $43 as we speak for downloading free apps which I uninstalled shortly after when they turned out to be junk. I'm going through a divorce and don't have the extra cash for this BS

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Mittner
Erie, US
Jun 10, 2014 10:54 am EDT
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This is the thrid time that this company has deducted $35.00 from my bank account. I want them to cease and desist. Causing me all kind of trouble. How can I stop them from taking money out of my account without my authorization? Please help me.

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5:40 pm EDT
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Comenity - Harassment and lack of information

I have been receiving harassing phone calls from a Mr Mosley from Comenity Bank stating that a troubling issues has come across his desk and in order for there not to be legal action I must contact him before end of day. I called and Mr personality was rude and ignorant and refused to explain to me how he got my name and number, what company he was calling...

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1:10 pm EDT

Comenity 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.

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lori hersman
Lindley, US
Feb 19, 2023 12:12 pm EST
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quit using them.

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renniemack
Cape May Court House NJ, US
Jul 31, 2022 11:22 am EDT
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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.

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1Cent
Bricktown, US
Jun 11, 2022 10:29 pm EDT

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!

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Ikea-Wayfair
, US
Oct 07, 2019 7:40 pm EDT
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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.

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Maryjo Gerling
, US
Sep 18, 2019 12:03 am EDT

Took money from my account. I have no idea who they are. I want my money refunded to me immediately.

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MarkBarronI
, US
Sep 29, 2018 6:43 am EDT
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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.

MrsHubbyD
MrsHubbyD
, US
Oct 28, 2018 10:05 pm EDT

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!

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lori hersman
Lindley, US
Feb 19, 2023 12:19 pm EST
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Replying to comment of MrsHubbyD

scamming people, time to get the BBB involved. They even have their phone solictiers being rude, causing harrasement.

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WithCrocTears
, US
Jan 09, 2013 1:41 pm EST

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.

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Carl Pezold
Oakland, US
May 20, 2014 2:58 pm EDT

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.

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jokee
Arnold, US
May 28, 2013 1:18 pm EDT

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.

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Noelle1137
San Angelo, US
Apr 09, 2013 11:43 am EDT
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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.

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1:41 pm EDT
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Comenity 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!

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Leanna1237
, US
Mar 11, 2024 3:08 am EDT
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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.

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Claudia Ochoa
, US
Oct 02, 2023 1:18 am EDT
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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 🦝🦝🦝🦝

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Fed Up 2023
Pearce, US
Oct 01, 2023 5:00 am EDT
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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!

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Jeff Lambert
, US
Sep 23, 2023 6:06 pm EDT
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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!

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JennyBmore
, US
Aug 19, 2023 9:23 am EDT
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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.

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Christina henze
Larson, US
Jul 15, 2023 4:30 am EDT
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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

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FrancineWolf
, US
Apr 16, 2023 7:35 pm EDT

I would like to speak to someone on the phone. I am very unhappy with commenity.

Phone [protected]

or cell [protected]

Francine Wolf

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Misa tran
garden grove, US
Feb 19, 2023 1:36 am EST
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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

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mhwriter2023
Brick, NJ, US
Jan 23, 2023 12:29 pm EST
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I am receiving multiple late fines for my BonTon credit card, even though I have paid it in the past. The interesting fact is that BonTon stores closed in our NJ town a few years ago, so I definitely have not used the card. The Comenity late fee was posted on January 2, 2023.

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atlanta678
, US
Sep 18, 2012 7:20 pm EDT

I got the same notification letter last week. As long as your account was in good standing (i.e., not 60 or more days late on payments), your account will simply show as "closed" or "closed by lender". This is far different from an account being closed for non payment.

If the credit limit on your Domestications card was a significant part of your total credit limit across all cards, and you maintain balances on other cards, then your score might take a 1 or 2 point hit. This is because consumers are rated, in part, on how much of their total credit availability is actually being used. Most private label cards have notoriously low limits, especially after the credit crunch a few years back. Because of this, the vast majority of cardholders will not see their credit scores affected.

If you are really concerned, then go to www.annualcreditreport.com and request your report from each of the three bureaus. Under the 2003 Fair and Accurate Credit Act, all American's are entitled to a free annual report. I'd recommend waiting a month to allow for your account to show as closed on your credit reports. Most creditors only send updates to credit bureaus after each monthly billing cycle.

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.

Comenity In-depth Review

Business Overview: Comenity is a financial services company that offers a range of products and services to its customers. With a rich history and background, Comenity has established itself as a trusted provider in the industry. The company primarily caters to a diverse customer base, including individuals and businesses.

Product/Service Offerings: Comenity provides a comprehensive range of financial products and services. From credit cards to retail financing, the company operates in various sectors, ensuring a wide variety of offerings for its customers. The quality of these offerings is commendable, with a focus on meeting the unique needs and preferences of individuals and businesses.

Customer Experience: Comenity excels in providing an exceptional customer experience. The company's customer support is highly responsive and efficient, ensuring that customers' queries and concerns are addressed promptly. Additionally, the user-friendly website and platform make it easy for customers to navigate and access the services they require.

Pricing and Value for Money: Comenity's pricing structure is transparent and competitive. The company offers value for money by providing affordable options without compromising on the quality of its products or services. A comparison with competitors in the industry reveals that Comenity's prices are reasonable and in line with market standards.

Reputation and Trustworthiness: Comenity enjoys a strong reputation within the industry and among its customers. The company has a proven track record of reliability, consistently delivering on its promises. Notably, Comenity has received several awards and certifications, further solidifying its reputation as a trustworthy financial services provider.

Financial Stability: Comenity demonstrates financial health and stability. Recent financial reports and statements indicate the company's strong financial position. Comenity has shown resilience in withstanding economic downturns and market fluctuations, ensuring the security of its customers' investments.

Innovation and Technology: Comenity embraces technology and innovation in its operations. The company leverages cutting-edge features to enhance the customer experience and streamline processes. Comenity's ability to adapt to technological advancements ensures that customers have access to the latest tools and services.

Social Responsibility: Comenity is committed to corporate social responsibility. The company actively engages in sustainable practices, promoting environmental friendliness. Additionally, Comenity is involved in community initiatives and philanthropy, demonstrating its dedication to making a positive impact beyond its core business operations.

Overall Performance and Recommendation: Comenity's key strengths lie in its exceptional customer experience, transparent pricing, and commitment to social responsibility. The company's reputation, financial stability, and innovative approach further contribute to its overall performance in the industry. Based on this review, Comenity is highly recommended for potential customers or users seeking reliable and customer-centric financial services.

Frequently asked questions (FAQ) about Comenity

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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.

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