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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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11:45 am EST

Comenity Harassment

I have been receiving harassing phone calls from Comenity bank. They keep telling me and leaving messages on my voicemail telling me that they are going to take matters into their own hands if I don't take care of this matter and return their call but never state the matter at hand. Now they are starting to call my family and harassing them about the matter. I have told them i am unemployed at this time to please stop harassing my family and myself. They are being imperfectional in the way they do things. If they continue harassing us we are going to file a lawsuit against the bank for harassment.

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12:04 pm EDT

Comenity Clothing

I played my Comenity bill as soon as I heard from a representative. They ruined my credit and said they had to do this. I sent information from social security explaining my disability memory loss. They had no sympathy and ruined my credit over 81.00. They said they had no chose. Of course they have a chose. They have no empathy for disabled and full of lies in my opinion.

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12:11 pm EDT

Comenity Comenity bank officers / agent / worker / representative

I am forced to pay on an item that I have not received

I ordered an item from Overstock. I did not receive the item. On October 11, 2018, I got a credit toward the missing item. But your bank insisted that I paid a late fee on something I never received.

I spoke to my agent from your bank and all decided that I have to pay the late fee. How am ai going to pay a late on a merchandise that that was never received?.

Now I have abill for $130, no explanation what so ever and the late fee is $39. Can you find someone to review this mess for me, please?

I am a senior citizen on a fixed income. I cannot be paying for something I never receive and even more paying a late fee for credit that I already received from overstock

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Update by Jacqueline MIchel Chow
Oct 17, 2018 12:14 pm EDT

I am forced to pay on an item that I have not received

I ordered an item from Overstock. I did not receive the item. On October 11, 2018, I got a credit toward the missing item. But your bank insisted that I paid a late fee on something I never received.

I spoke to my agent from your bank and all decided that I have to pay the late fee. How am ai going to pay a late on a merchandise that that was never received?.

Now I have abill for $130, no explanation what so ever and the late fee is $39. Can you find someone to review this mess for me, please?

I am a senior citizen on a fixed income. I cannot be paying for something I never receive and even more paying a late fee for credit that I already received from overstock

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11:56 am EDT

Comenity My credit card was blocked for comenity banks internal reconciliation process, never gave any prior notice

I am a loyal customer of Comenity Bank Bj's close to a decade because of their excellent customer service. Based on fliers, advertisements & customer service campaign hold a Comenity Bank Bj's credit card ending with 3880 for more than couple of years with an amazing credit line.

Comenity Bank Bj's credit card is the only card that I carry & use, because of the trust & customer service that Comenity Bank Bj's provide. Though there had been ad hoc customer service issues in the past with Comenity Bank Bj's credit card, I ignored as it was not a significant or caused any impact to me.

I recently had a back surgery and after 6 weeks, I drove to couple of stores to shop using my Comenity Bank Bj's card and with couple of hours spent on shopping, I walk to register to make payment, I am told, my Comenity Bank Bj's card authorization "Declined", in spite of repeated attempts no luck. This happened at multiple stores, first I thought it could be network or Card reader issue with the store.

Then called Comenity Bank Bj's card services, I am told there is an internal reconciliation process to my account and it would take at least 24 hrs for card services to complete the process. Till that time, I cannot use my card. I was shocked to hear that, Comenity Bank Bj's is a huge organization and surprised with this response. Below are additional reasons, for my shock.

a) When card services know there is a reconciliation and customer purchases during the interim time could get declined, No prior intimation was given to me about this temporary block or at least did this activity during night time. This would have helped me avoid waste couple of hours shopping or I could have taken my other bank credit card.
b) Block my credit card transactions/approvals for 24 hours for reconciliation, I have never heard this. I do have Finance/Banking/Credit card background, shocked to hear this as an excuse. Internal maintenance activities, shouldn't impact customer usage.
c) Last but not the least, I am still not sure of when the reconciliation activity would complete, no definite date/time shared. Till I called card services, I didn't know anything about this. When there are so many alerts for fraudulent & misuse, can't there be an alert sent to customer, for items like this ?

I write this email, to let you know that all the trust & loyalty that Comenity Bank Bj's were put into question with this instance. I have personally referred my friends & family to shop & have Comenity Bank Bj's credit card.

With all my surgery pain, couple of hours shopping, time & drive, all gone for waste. I wait to see if Comenity Bank Bj's leadership could intervene and do something about this, to get my trust & confidence. Let me be the last customer that ran into this issue and avoid Comenity Bank Bj's lose market share & brand positioning.

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3:16 pm EDT

Comenity Comenity bank

I used to go to dental first they took a loan out in my name so that I'm able to get a procedure done with my tooths. I got the procedure done my insurance ended up canceling -I'm not sure if the bank cover most of it idk- but anyways I ended up losing my job I told them I wasn't able to make payments until I found a job. It's hard finding a job in the city so I decided to go back to school to make a long story short this bank calls me tells me I made promises to make a payment when I didn't so during that phone call I told them yet again I wasn't able to make payments they wasn't having that so I lied and told them ill put 20 on the account but they still was calling me all day everyday. Even before I told them that they just keep calling me everyday. I'm being harrassed by them and now I just don't answer my phone for them.

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MrsHubbyD
MrsHubbyD
, US
Oct 28, 2018 10:15 pm EDT

Comenity is HORRIBLE! They finance a LOT of cards, and they will call you dozens of times a day. You might need to change your number, because they will NEVER try to work with you. They just charge you crazy high fees, to make it so that you CAN'T pay, and it just keeps going up!

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6:13 am EDT

Comenity Victoria's secret credit card closed without prior notice

This is the most horrible customer service FAIL I have ever experienced from any of my credit cards in my entire life! After almost 20 years of carrying the Victoria's Secret Angel card, I received a letter in the mail a couple days ago, stating that my account had been closed, due to missing personal information on my account. I called to speak with customer service today, and spent a couple hours on the phone, being "escalated" up through the ranks, until I finally reached a senior supervisor. The first story they gave me, from the lowest ranks, was that they sent out letters earlier in the year, letting cardholders know that they needed to update their account information with a physical street address, and anyone who didn't would have their account closed. I never received such a letter, and I have always made sure my account information was current. In fact, just a couple weeks ago I called customer service to update my account to my new mailing address. I asked if I could use a P.O. box, and they told me that was fine. When I called customer service today, they could not explain why it was ok a couple weeks ago, even though they supposedly knew that I needed a street address since earlier in the year. The story didn't make sense, so I asked to speak with supervisors that could reinstate my account. When I finally reached the top supervisor, she explained to me that only four days before they closed my account, they received information regarding the Patriot Act, requiring all accounts to have a physical street address. Any accounts that had a P.O. box as the mailing address was closed without any prior notice...no letter, no email, no phone call...though they have ALL of that information for me in my account. She also said that since "the system" closed over 50, 000 accounts, they could not reinstate any of them, even if they were long-term accounts in good standing, such as mine. I argued that a human created "the system", and whoever that is certainly could reverse it. She explained that it would be illegal, as it would be going against the Patriot Act. I then asked her why none of my other 12 credit cards had said anything to me about the Patriot Act, nor had they closed my accounts. She had no answer or explanation. I got the feeling that there was something else going on, and the Patriot Act excuse was just a cover-up.
She had the audacity to encourage me to reapply for the card! Excuse me?! Why should I need to reapply for a card I have been using for almost 20 years?!
NO THANK YOU! You have lost this loyal customer and my business!

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HeathernLinas69
Charlotte, US
Jan 19, 2023 11:50 am EST

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.

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PheBrown
usa, US
Dec 22, 2022 3:28 pm EST

Wow this post was back in 2018 and its 2022 and they are still up to no good. My account was closed for lack of use and some dumb remark on the letter said "also due to my credit report". Which is a lie! All of my payment history with my debts are paid ON TIME every month. I have had that card for about one year. Yes, I barely use it. Only when needed but why close an account for that? It ruins a person's credit score to have an account closed. I didn't even carry a balance. They are idiots at Comenity bank. I would stay away from any cards that use that bank. Now I have to fight to have them scrubbed from my credit report. I am not just someone who reports bad things, I give kudos to companies where it is due. Geez this company sucks.

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3:24 am EDT
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Comenity - Children's place credit card

After being a Children's Place cardholder for over 5 years, I found out today that they closed my account on 9/7/18 because they somehow didn't have my physical address in their system - only my mailing address. Funny how they had it on my NY&Co card though. I found out my account was closed by going to Credit Karma, but I do not understand why they'd do...

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11:38 am EDT

Comenity Comenity customer service

Comenity bank customer service is horrible. I was out of work for a while and got on their program so my payments would be on time and i would be penalized. Every month they took a payment from my bank account which was the same as my monthy payments and never applied any payments to my accounts. And at the end of the 3 months the harrassing phone calls started you get 15 calls a day from several different people because no one reads notes left by other person. I just like to know where all my money went to if not to payment of accounts. no all my accounts are way over the amount given to me and payments are unmanagable

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10:25 am EDT

Comenity Phone call from comenity bank representative "Laura"

My name is Deborah Bishop. I received two calls this morning regarding two payments I set up online: One for Kingsize and the other for Roamans. The first representative I spoke with was professional. After being told the reason for the call - that I had not successfully submitted payments for Roamans and KingSize, I let your representative know I would check my print screen records (I do this and save them after every online payment) and would check my bank statements as well. I promised to go online after doing so, to make the payments if I had not submitted them as I thought I had.

A few minutes later - after I'd just submitted my KingSize payment, I got another automated call from Comenity asking me to contact Comenity, which I did immediately. A woman calling herself "Laura" answered this time and before I could completely describe why I was calling, she cut me off and said "I see you've paid KingSize past due payment, now what do you plan to do about Roaman's past due payment?" Now, keep in mind, I have NEVER been late with any payment to Comenity bank and was surprised to learn these two payments had not been processed and credited to my accounts, because the payments were without a doubt set up the same day I set up the other payments... "Laura's" nasty attitude was unnecessary and she made me angry. First, I know I set up those payments and fully believe the problem is at Comenity's end... and then to be treated like this by a disrespectful individual added insult to injury. It's clear she doesn't know how to treat good customers well. She was just horrible. She'd never last long in my department - I work in IT and resolve IT issues with callers daily, and no matter the frustration level of the end-user, it's not my job to put them down or treat them disrespectfully, and hopefully, it's not acceptable at Comenity Bank for "Laura" either.

I hope she's repremanded at the very least for the disrespectful way she spoke to me at 10:53 a.m. Sunday 9/9/18. Her nasty way of communicating was un-called for and has given me a very bad impression of Comenity. I hope you will rectify that.

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1:09 am EDT

Comenity Customer service/accounts

I have reached out to BBB about this company and their horrible customer service tactics. I had a Express card and always made my payments on time and actually paid the account off the month before I planned to use it to make a purchase for some summer clothes. I tried using the card at the checkout and was told the card was declined and the employee called customer service and they wanted to talk with me, saying that the account was not used in over a year, which was not true. I explained that my last purchase was 7 months ago and that I just paid off the account last month and thats why I am here in the store making another purchase. The representative told me that I had to go through another credit check which I declined and she was very rude saying that she would close the account and I said no, you will not and I want you to send me the credit card agreement in the mail to me (which I never received). So after dealing with that call, I decided, which I probably should not of have and contacted BBB about the experience of them closing my account, saying that "I" closed the account, which I did not approve or say that I wanted. This company responded back saying that I had "limited credit experience", "have high outstanding balance in relation to the credit limit", lies, lies, lies! Then they reached over to my Pier One account and decreased my credit limit from $500 to $200 in retaliation to me complaining about their company to BBB. I am furious about their immoral actions. So just word to the wise, always ask who the bank is before opening a store account. I would never deal with the bank again, if I can help it.

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1:43 pm EDT

Comenity Credit card fees

I have a Talbot's card through comenity bank. I have paid on time and I owe very little..like $40.i recently got a call from a representative there wanting to know when I can make a payment.it see that comenity dropped from auto pay which is how I do all my bills and I didn't realize it. I asked the rep to waive the two 39 dollar fees and was told that they waived another fee at some point and so they won't be able to.the representative was very nasty and judgemental asking if I had a good reason for not paying and that I should"take responsibility".the one late fee is almost as much as I owe for my entire bill.the no payment was an accidental on my behalf and really there fault as they won't accept autopay.it seems like comenity does this to many people.im am also disabled and on a pension. I cannot pay staggering fraudulent charges..pls advise me..

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8:54 am EDT

Comenity Customer service representative. Amanda at extension #7076947

Amanda was extremely rude. She repeatedly interrupted me while claiming that I kept interrupting her. She was in no way helpful in resolving the situation. I am attempting to pay up my account and asking for help to do so. Her reaction and behavior was detrimental to the process. I find myself in a position to make a complaint and contact her manager rather than spending my time and energy paying my account up to date. I find thjs especially distressing as I have not ever complained about an employee befote. I have left a message for her boss at extension #7076802. I hope that this matter can be dealt with.

Teresa Leary
[protected]

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3:15 pm EDT

Comenity Refund never received

I opened a Wayfair account in March of 2018. I bought an ottoman for $120.00. When it arrived at my house I discovered it did not go with my decor. I sent it back the very next day. It is now July of 2018 and I have not received credit for the $120.00. I have requested the credit several time. I am now closing the account.

This company is very untrustworthy.

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7:45 am EDT

Comenity Hello I paid off my gander mountain card in full now my credit is shot due to them turning me into collections for a false balance

Comenity bank gander mountain card turned me into collections for a false balance that I didn't owe. I actually owed them 0 on balance. My credit gone. I want even this is bs. And capital returned a payment that was my minimum pay I paid forever that I always paid 10 or 20 more than minimum and turned collections without contacting me my payment return. I never used the card because I wanted it paid down. So bad credit

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1:25 pm EST
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Comenity Jewelry television preferred credit card

Hi my name is Yvonne Gilmore several weeks ago I tried to attempt reinstate my preferred card. My account # ending 0336, they told me because my account was enrolled in a hardship program and since that happen they could never reopen my account. I don't understand because Comenity Bank has allowed me to have several accounts sponsor by them. I have a HSN account, I have a Overstock, and others which I pay on time every month and never missed a payment. This sadden me because I felt like a second class citizen. Anyone can have a hardship and they shouldn't be punished for the rest of their lives. I would like to know was I that bad as a customer for JTV. I do remember I paid off one account Bill Me Later you didn't have no problem taking the money. I would appreciate if you send me an answer as to why you couldn't allow me to have a JTV.

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12:42 pm EST
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Comenity Rollover payment

Hey I just wanted to voice my opinion about roll over payments. I made a payment when opening the Wayfair credit card in November knowing what Decembers payment was going to be however I received a phone call stating that the payment was over due and had to speak to a supervisor to get it waived. This was absolutely a terrible experience and Wayfair has lost me as a customer just because of the way you guys handled the situation when I make a payment online it should state that a payment is not needed to be made and that it will not roll over to the next month if this is what the situation may be.

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6:36 pm EDT

Comenity Bed bath and beyond mastercard

They approved me for a Bed Bath and Beyond credit card. They sent me the credit card. I activated the credit card. When I tried to make a small purchase it was declined. I called and they said they did an audit and said I had one to many credit inquiries. I didn't receive a letter saying they we going to close the card. No big deal I have better credit cards. I just find it weird that they approve you for a card then close it a few days later. Stay away from all Comenity bank products. They are a scam. Stay away from the following credit cards that are issued by Comenity; Pier 1 Imports, Big Lots, Victoria Secret, Ambercrombie & Fitch, Toyota Rewards, Bed Bath and Beyond, and more.

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9:07 am EDT

Comenity Comenity capital bank/ppl timonium md.

ATTN : I was alerted by Life Lock on 7/24/17 that a account was opened in my name by CCB/PAY PAL. I called the Bank to let them know it was not me. I called the Credit Bureau (3) to report this and put alerts on my credit. They have my SS no. also. This is Fraud! When I called the Bank (Comenity Capital/PPL) they would not give me any information. Life Lock was on the line at the same time. I have filed a police report 7/28.2017. The Bank ask for my e mail and address and it did not match what they had. This is all the information I have.

Brenda Poage

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Update by Brenda Poage
Jul 31, 2017 9:09 am EDT

I have no updates at this time .

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1:55 pm EDT
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Comenity Credit card

My Overstock credit card with Comenity is late every month because I don't remember to log on and manually pay it every time like it's year 1990. Everything else in my life is set up on automatic payments and it is a standard for this day and age. I have excellent credit and have everything set up for automatic payments so nothing is ever late. I emailed Comenity and said I wanted to set up automatic payments and the response was that Comenity doesn't offer that. The experience has been horrible so far. I have two late charges on my account now for $37/each and they refuse to refund them. Comenity set up the business to knowingly disadvantage and inconvenience the consumer so they can rake in the fees. THIS IS 2017 AND YOU DON'T HAVE AN OPTION FOR AUTOMATIC PAYMENTS? AND YOU'RE A BANK FOR THE LARGEST RETAIL BRANDS?! THIS IS EXTORTION AND GOUGING AT ITS BEST.

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9:27 pm EDT

Comenity No stmts then cgs late fees/personal info given to offsite vendors

I was one of the unfortunate people that had their identity stolen in the Home depot data breach. Since then, identity theft has plagued me often and I have learned to never, ever pay a bill without reviewing it.

Comenity bank had sent me three statements in a year and half. I switched to e-bill, and my bank confirmed that they were not receiving the electronic statements on a timely basis either. I had been calling Comenity monthly at this time explaining that I had not received my statement ( again). It had been going on for 11 months and it was getting old. Each time, they promised they would send one and each month, like clockwork. I did not get one and they hit me with a late fee. They used every excuse in the book, even saying the post office must not be delivering them because "They mailed it." ( Sure..you remember each and every statement you mail to your "valued" customers, eh, Comenity?)

Finally, a letter arrived from a collection agency working for Comenity. I started getting harassing phone calls from a landline in Ohio that traced to an individual by the name of Clemmeshya Owens . My best guess is that Comenity outsources their collection calls to vendors, who make the calls out of their own home. Keep in mind folks..that all your personal information is possibly being kept in someone's home, that could be broken into and your personal and financial data stolen. Or at the least, be used as discussion at a Friday night party, or even just have coffee spilled on it. The possibilities are endless. Let your imagination run wild. They robo -called up to 15 times a day, starting at 7:30 in the morning, calling me at work, and called late into the evening until 9:30 or 10:00 pm at night. If you called the number back, no one answered. There was no menu to get to get anyone. And the calls kept coming.

Since there was no way at this point to identity the call, and I had to be careful due to the identity theft from the Home depot scam, I ignored the robo-calls. By law, robo-calls are a violation of the fair credit act. I really didn't know if this Clemmeshya and I would hit it off like old friends anyway, or if it would be like making a call to that relative we really don't like. A month later, another number started robo- calling me, this one from Colorado. Same story.. landline registered to an individual, robo-calls harassing me up to 15 times a day, no menus, no person on the other line if you returned the call and long distance charges if you did. Are they seriously too cheap to have an 800 number? Or were they just trying to introduce me to new friends?

I digress. They have one job. Send out statements and post the payments. I am the customer, they, not I, are responsible for mailing out the bills. My job, is to review them for accuracy and then pay them. I have a life. I am busy. And I expect service in the form of a monthly statement over having to chase them down like irresponsible juveniles to remind them a chore was due to be done. Its not like I was asking them to mow my damn lawn. I have choices, and it doesn't have to be them.

Now for the Jerry Springer-ish ending to this story: I finally ran a credit report and found that Comenity had turned me over to collection agency number one in Ohio, which caused Clemmeysha to start robo-calling. The actual bill with Comenity was $325.00, Collection agency number one showed the debt was $900.00. Two months of robo-calls later, Collection agency number two got into the fray, and turned me over to collections listing $1100.00 in total debt...Three companies trying to collect for one 300.00 bill. And to make them happy, they want me to shell out a total of 2300.00 to clear my credit report. Not going to happen.

I filed a report with the FCC asking that all late charges be removed, the credit reports be corrected, and that they send a statement as per law each and every month. I requested no contact per phone. I requested credit monitoring since they have given my personal information to two off site collection vendors where my personal information was most likely not secured. I have a medical condition that requires me to take meds and get adequate rest, as recovery time during during attacks is aided by being able to sleep . This medical condition is covered by FMLA and ADA and these ###s robo-calling me are affecting my health. In fact, They have failed to do anything but continue to harass, nor have they responded to my complaint in writing as requested. They have this "Trust-us-you-owe-this-much-statements-are-not-necessary" attitude. They can't even get their act together to send a statement. Wonder if it would help if I sent them some reams of paper to help defray the cost of printing statements?

This week, they started calling my private, unlisted landline non-stop from ( as of now) five different phone numbers and three different area codes. How they got the number I don't know, but I did discover something. You can have all calls blocked except certain ones from your landlines and it cost zero dollars. Save yourself from paying the unlisted phone number fee. Trust me, it doesn't work.

Do yourself a favor...DO NOT DO BUSINESS with Comenity Bank. Ever. Since I cannot get satisfaction from that company to do business in an ethical and fair manner, I will take every opportunity to warn any consumers that might be considering doing business with these buffoons. Its pretty hilarious that they are in such dire financial straights that they will turn a $300.00 bill over to collections so quickly, knowing they were not sending statements, and then pursue aggressive collections against it. They could have sent a thousand statements out for the cost of the wages they are spending trying to collect a measly $300.00. Its pitiful but funny as hell, and every get together I share the story, it never fails to cause obscene amounts of laughter. I could write a comedy routine based on their business practices alone.

Life is simple. You reap what you sow. And if you sow dochebaggery, ye shall reap [censored]baggery. Victim I may be to Comenity's unethical business practices, but I have hella funny, never ending updates to share with a rapidly growing audience.

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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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