They are horrible; I still have to deal with them even after I closed my account because they keep applying a substantial late fee on a zero balance. Their website is not user-friendly, and neither is their customer service; they just repetitively recite policy. Do not engage with the Comenity dance; the 20% is not worth the headaches.
Date of experience : September 10, 2024
Aug 9, 2024I as of today have suddenly been charged a $487.77 interest fee on $600 balance without notification. I have not been able to access the card that floor and decor stopped using while I had a balance on it so I have not been able to pay it off as per usual. It will only take the minimum due auto draft. I can't access anything, it won't another to card exists and tried to only get me to sign up for a new one. They were of zero help to me and said they would not reverse the charge and that they sent emails I never received. This is fraud to not allow me to access the portal to pay off before the year end. It's entrapment and shady. This is the first time I was able to get ahold of a human being and they took zero accountability for trapping me so they could take advantage. Do not ever use Comenity Bank for anything. They lie and cheat and take all your power to make double payments or pay off the balance in full as I always have. This is horrible business and they will take advantage of you.
Date of experience : August 09, 2024
Aug 3, 2024AAA betrayed us by selling their credit cards to Comenity "Bank." I put a small charge on the card to keep it active and should have just let it lapse. The website didn't work properly and wouldn't add my payment info, so I was a day late paying it and there was a $25 fee. I am NEVER late on anything, so called them to tell them I would cancel the card, but the customer "service" rep said they would take off the fee next statement. Surprise, surprise, it's not gone. I have tried to call their customer "service" number and get transferred to dead air. Somehow I don't think anyone is there. I just want to cancel the card but I object to paying a $25 fee because their website didn't work properly. However it might be worth it just to get rid of them forever. I somehow doubt I will ever hear from them. My phone has been on dead air for over 17 minutes now.
Date of experience : August 02, 2024
Apr 13, 2024High interest rates. Been paying off this balance for wayyy too long regardless of paying more than minimum payment due. Very difficult to even get into website. States my password is wrong EVERY time. And need to do a verification and change password EVERY time. Poor service overall not worth it.
Date of experience : April 13, 2024
Jun 13, 2024Comenity is the worst credit card company in our country. When you call for information, you can only speak to a person who speaks very broken English.
I never even received a credit card from them, but I kept receiving bills with added service fees. They kept sending bills on two different credit card numbers.
By phone, I canceled whatever card they assigned me, but their computer system keeps adding more service fees and interest on a card I NEVER RECEIVED!
I have written three letters explaining this problem to this company but never receive a response!
I will not pay this bill; it is for a bogus account listing a bogus card, from a very disreputable company.
DO NOT DO BUSINESS WITH THIS COMPANY!
Date of experience : January 10, 2024
Jan 13, 2024One star because zero star is not allowed
I pay 4 time’s payment by accident then I call aaaa visa they agreed to reimburse my 400 dollars then they freeze my account when I called they said you have to pay 550 a months I will never do business with this scammers I wondered all one stars I am calling BBB
Date of experience : January 08, 2024
Nov 2, 2022Comenity purchased AAA Visa card services from Bank of America. They failed to send workable cards. They failed to send both replacement cards. Their website failed to register me in order to eliminate paper statements. Each failure required an unacceptable level of pain to navigate the telephone barriers to a live agent for whom in the end English is not the first language.
Date of experience : October 28, 2022
Jul 11, 2024I bought my house in October 2020 and tried to change my address with Comenity bank for my credit card several times. I called and wrote the new address on my payment stub. Still they would not change the address.
I paid off my credit card account in full with Comenity Bank at the Lane Bryant store because I was not getting my statement. Comenity Bank charged me a $9.52 late fee. It was not my fault the payment didn't arrive at the bank on time. Maybe there is a flaw in their system!
When I contacted Comenity Bank, they would not waive the fee, and they continued to charge me late fees on the $9.52. They would not work with me because they said the $254.03 had been turned over to collections. I do not even owe this debt, and it is continuing to affect my credit score to the point where my home insurance doubled and is now $450 more a year.
I'm sorry, but this is a fraudulent charge to me, and Comenity Bank has unethical business practices.
This bank harassed me to pay it, they made collection calls and have been rude and distrustful even though I paid my account in full and closed the account.
Date of experience : July 10, 2024
May 10, 2024Trying to do the right thing doesn’t work with Comenity, I had a balance due that I paid in full to take my account to a zero balance on the due date! I started receiving calls from Comenity saying that because I paid the balance after 5 on the due date that a late charge was added to my acct, and now a late charge has been charged to the late charge and on and on. I do not understand how if I paid to a zero balance on the due date how can you charge a late fee because it was paid after 5, last I checked a date stays the same until 11:59 pm.
Date of experience : April 04, 2024
Jan 20, 2024Worst customer service I have ever spoken to. They are condescending, disrespectful, and careless. When I asked to speak to someone else, they said that there is no one else. Asked for senior management - there is no one else. Asked for the executive department - there is no one else. Asked for the legal department number - "There is no one else and what we say goes." Maybe their customer service representatives are attorneys; I mean, they must be if they are citing laws. Jared and Comenity Bank will never have my business again. It must be an anomaly that they have no record of me making my final payment and are sticking me with $4k in expired promotional interest. When offered to pay in full immediately, like I thought I had, nope pay all interest.
Date of experience : January 20, 2024
Jan 19, 2023After returning an item purchased online at JJill, using my JJill credit card, I called to be sure the item had been received. It was then I learned their card was through Comenity Bank. It was some time before I actually received a call from a representative who assured me my item had been received on or before the closing date of December 19. However, a few days later I received a past due notice with a huge late fee (more than the cost of the item!). Rather than battle with the criminal institution, I sent a check for the amount on the statement. However, THAT check has not cleared, leading me to believe they're going to try to continue their extortion for another month. The SEC should be investigating this sleazy operation. EVERYBODY. Stay away from Comenity!
Date of experience : January 18, 2023
Feb 22, 2023CONSUMER FRAUD: FILE WITH YOUR STATE’S ATTORNEY GENERAL’S OFFICE & RECORD YOUR CALLS WITH COMENITY CUSTOMER SERVICE AGENTS.
They acquired AAA Visa credit card from Bank of America. Since the acquisition, six months now, their website rejects access to register for access to my CC account. I have spoke with customer service numerous times wherein they state they are “upgrading their system and just keep checking back”. I was told paper statements can’t be sent to me until I register on their website. People are led by example, it is glaringly apparent Comenity is led by MORONS.
My consumer fraud complaint has been filed today with the STATE OF OKLAHOMA, ATTORNEY GENERAL, GENTNER DRUMMOND, CONSUMER FRAUD UNIT.
Date of experience : February 22, 2023
Updated Apr 4, 2022I have had my Victoria secret by comenity bank credit card since 2015 and never had an increase since I opened it. I have had on time payments, increases salary and even spoke to a representative.
I was told sometimes the customers put the card on hold for no increase. About a year or two ago I was told they would take the hold off since I did not request to put it on hold but still no changes.
In store workers told me they had increased the same year several times since they open their accounts, yet mine stays the same. It’s not worth keeping if it doesn’t increase from $200
Date of experience : April 04, 2022
Nov 21, 2023I was offered a Ulta card . I learned from a previous Cc never get a store card again .
I looked up the reviews with Comenity bank and they were atrocious . Beware always look at reviews of the bank .
Date of experience : November 20, 2023
May 19, 2023I have not had or used a Pier one Card for over ten years. In November of last year received a bill from TEN years ago that was payed in full. TEN years ago! after many phone calls and letters no resolve. How do I receive a bill on a ten year old charge?? FRAUD! I received a letter back stating there will be no extra charges or interest charges until it was resolves and that was January of this year.. two supervisors agreed that there has not been a charge since 2010.FRAUD
Date of experience : October 22, 2022
Aug 6, 2022i know alot of people bash Comenity Bank but i need to say thy always helped me when i need assistance. they recently helped me with a fraud charge to my account. if had my Bjs card with them for quite some time years to be exact. and always had great service from them. so in closing i just wanted to say. im happy with Comenity Bank. thank you for helping me. when i needed it. I GIVE THEM 5 STARS!
Date of experience : August 06, 2022
73 reviews Oct 24, 2022Worst customer service ever. I only applied for the BJ's credit card because it offered $40 back from purchases. It's been over 3 months and still not able to get my $40. Also I was just on hold with the bank for over a hh three times today. They need to hire more help. Lousy bank to deal with. Never again.
Date of experience : October 24, 2022
Jul 26, 2024The most sleeziest bank ever.
Date of experience : July 25, 2024
Aug 30, 2022After many written attempts to resolve an issue which included a request for a phone number to speak with a customer service representative I was never provided with a phone number and the name of a contact person.
Date of experience : August 30, 2022
26 reviews Sep 17, 2022Soon to change to Travel Rewards. Opened my credit card account with them several months ago with a high limit and have had nothing but problems ever since. Initially, both my and my husband's cards were getting declined. They tried telling me it was the fault of the merchant's computers. However, I know the owner of the store quite well and was able to verify with him there was no problem at all on his end. Then, about a month in, their computers *glitch* and ALL autopays are declined for over a month. more like 2. As soon as that was supposedly resolved, their computers *glitched* again, causing their Rewards program to get all screwed up. They "hoped" to have that resolved in a month or so. The final straw came this morning. My husband ran out to the corner store, as he does every morning and attempted to make a purchase using his card, which he had used successfully there for the past 4 mornings. It was declined for "possible fraudulent activity". He was mortified, used another card and it went right through. I then called Comenity, or tried to. The number on the back of the card, which is not meant to be read by any human, as it is hidden and printed so small, it took a jeweller's loupe to make it out. After 20 minutes getting upset with the nice rep who answered, I was notified that she was with Visa Int'l, not Comenity and I would have to call them. (Shouldn't their number be on the card?) She gave me 2 numbers for them, neither of which worked. Finally I went online and tracked down a phone number. Got a rep, who had a bad attitude from the get-go. Told her I was very upset, not with her, but with Comenity. Went through what happened and she denied that it happened. Said it was denied because the expiration date didn't match. That makes no sense whatsover. The same card had been used at the same store successfully for several days and the owner showed my husband the declined message on his screen. By the way, I am a amn, with a VERY deep manly voice. The minute I mentioned my husband, she started addressing me as "M'am", with attitude and great disdain. I blew and demanded a supervisor. AT first, she refused and threatened to just disconnect me. I finally prevailed when I told her she had slipped early on and I had her name. Got a supe and went through everything all over again (the 3rd time and now at well over an hour and counting). The supe admitted it was turned down by Comenity, in error, and put me on hold to check with the fraud dept and make sure there were no problems on their end. She came back and told me they had experienced a computer *glitch* a couple of months ago, but had fixed it. I quickly let her know it wasn't fixed. She never did offer any reason as to why the card was declined, just reassured me the account was excellent and there would be no problems going forward.
As you can see, they have a lot of computer *glitches*. In other words, cheap computers, cheap software and an IT Dept. that barely knows how to boot up a computer. I will only be keeping the card, as the high limit and low usuage looks good on my credit report. But, I will only make one tiny puirchase every few months just to keep it active on my credit file. If you don't want CONSTANT problems or if you are Gay and don't want to deal with homophobic agents, look elsewhere. Comenity has been total cr*p.
Date of experience : September 17, 2022
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