Comenity

Comenity Bank mailed me a pre-approved Bread credit card offer. I filled it out promptly and after two weeks they sent me a letter that they couldn't verify my identity and was thus declined. I already have about 20 other credit cards and an 810 FICO.

Avoid Comenity or Bread credit cards!

Bad communication resulted in over $350 in interest charged when a promotion came to an end. They buried the end date on the bills they sent, and they did not notify me that the promotion was about to expire. This was very deceptive. I paid the entire balance, but that extra $350 will cost them thousands in potential future sales. This "bank" operates questionably, and there are many reviews to support this. They will lose business for using such practices. I hope that $350 was worth losing a customer forever because this will be the last money I spend with them.

I have Comenity AAA Visa for a few years. I usually pay my balance in full until this year. I decided to set up an Automatic payment just in case I got sidetracked. On Sept 3 I checked my balance and paid everything in full not knowing that there was a $9.98 due for automatic payment, the whole September I checked my account and it showed up as "No Payment Due" Until Sept 27 when I called my bank because there is a payment that I did not recognize from Comenity, we checked it out online and it showed up as fraud charge. My bank went into action and stopped the payment. October came around and I found out Comenity Bank charged me $30 for a return check, I was confused as I paid this card online. I called Comenity Visa to find out what is that charge for. Kalish (Customer Rep) told me it was from an automatic payment that did not go through $9.98. When I told her that I was not aware of this automatic payment since every time I checked my account it would show up as "No Payment Due" ask her if she could do something about this $30 return check charge. She said, "Nothing she can do". My conclusion from this conversation is that Comenity Bank just stole from me as a good creditor I hate banks that steal people's money through no fault. If I had seen a balance due on my account, I would have paid it immediately, that month of September I checked my account multiple times, and all I got was "No Payment Due" Then they surprised me. Do not set up any AUTOMATIC PAYMENT if you don't want to get slapped with a $30 charge. Remember the unknown automatic charge (since your account does not show the balance due) was $9.98. They charge me $30. Comenity Bank stole $30 from me. I will not forget that and I will not recommend this card at all.

Should be able to leave 0 stars first of all!

ABHORRENT business practices, correspondence, charges, and "customer loyalty" practices. I am a teacher, don't have a ton of money, don't want the sympathy card, but tend to spend our money wisely if you know what I mean! I have mostly or always been a good, on-time paying customer for YEARS with one of your stores (I guess I won't blast them but they won't be getting a lost of my business because of this and I will tell them that). In most or always cases, I have paid the FULL balance on store charges. I don't need your card and was sold "good deals", "coupons" and "customer perks" and whatever else lies you sell people just for subscribing to this shady, heartless and perhaps fraudulent credit services. I truly believe you ripped me off financially and set me an "F" you letter after asking for help with fees and charges far extending the initial cost of a few store items. Paid in full. The charges were well over the initial charge and I am an on-time paying customer for YEARS. I missed the due date by one day because I was in the hospital, never getting sick like this, and contacting you right away. The bill was still paid in full. I was a day late. Lots of phone calls and trying to get some help with fees, charges, etc. you've straight up stole from me and charged me and racking up owes excessively, ignored and finally blocked my messages on the website, and did not shut down/close my account. Comenity charged me another charge again after late fee payment, after emailing, (and more than 95% of the initial purchase price in July)! Shame on you, Rebecca U. And other 'advocacy managers' associated with Comenity Bank. Shame on you people for what you are doing to good, on-time paying customers (maybe sometimes in a lifetime of credit account make some sort of mistake!), loyal, and trusting consumer and customers. Shame on you all. P.S. It's generally noted that good customer service does not include blocking a customer's messages after trying to come to a financial refund solution and asking for help several times. They sent me a terrible letter one in which I would never send to one of my small business customers, EVER! I would help them and ultimately write it off just for doing business with me in the first place. Not these guys. Don't do it. Whatever you do, DON'T open an account with these thieves and cold-blooded liars, no matter what deal, outrageous tale or coupon they offer!

I can't believe my eyes! I'm considering suicide at this point because of this bank. I bought furniture from the room place years ago, they said it would be zero percent for 60 month and I was happy as a lamb. They told me once the payments are done you will be at the end of the zero percent, they set up the payments for me and recommended paperless billing so I never received any type of mail. My balance remaining at the end of the period was $400 with never missing a payment of course. I would have gladly paid it off if I knew. All of a sudden I see a $4500 increase on my statement and I only knew because my credit score dropped 10 points and I wondered why. When I called the fraud department they said it's the interest i agreed on if the whole amount wasn't paid. Thats when my life just sunk in my head I started begging them on the phone I begged the supervisor ( Jeff)to just reverse it and I'll pay the remaining balance. He couldn't care less. They didn't even explain how a $400 balance will have $4500 worth of interest. They told to talk to the hardship department and it hung up on me multiple times. They are the devil in disguise and I wish them the worst. If anyone could help please please help I am desperate at this point. My promo ended May 10th and I received the notification May 21. It wasn't late or anything the autopay was just not due.

I paid my Payboo B&H photo store card off. A late fee was charged to my account after I paid my bill. Not knowing the late fee was due next month It never was paid for 3 months. I call customer service and ask for a 1 time late fee waived curtesy. They refused. I canceled my card account. They are to greedy and ruthless. Do not buy from B&H photo. They do not have low prices and you will pay more in credit card fees.

A Customer Service Agent Told Me If I paid $100, $50.00 dollars a month for March 2024 & April 2024 My Account would be restored & taken off Credit Karma Which Never Occurred The Customer Service Representative Deceived Me Into Thinking What They were telling me was the Truth When It was The Farthest thing from the Truth.Do Not Do Business with Bed Bath & Beyond Formerly Known as AKA Comenity Bank They Are The Biggest Liars & Are So Deceitful I Will Never Do Business with this Company Again...

DO NOT GET A CARD FROM THIS COMPANY! They are absolutely terrible. Charged me a late fee WHEN I PAID MY BALANCE ON TIME! WOULD NOT WAIVE THE LATE FEE AND THE CUSTOMER SERVICE IS TERRIBLE. Where are customer service skills?!

Alerts are a very important thing to have with a credit card. If any of my other cards get hit with an unauthorized charge, I know immediately. Not this one. This one I have to check the web site every day if I want any such security. I have alerts set up for both text and email (obviously the SPAM folder is not an issue). They worked until seven months ago.

The web site "Alert History" lies in that it shows all alerts being sent.

First I wrote customer service to let them know. They responded by confirming that alerts were set up. Then they proceeded to explain to me how to set up alerts.

Then I called the customer service number. They confirmed alerts were set up correctly and could not explain why I was not getting them.

At one point they told me my account was affect by "temporary maintenance". Then when I explained that it has been broken for 7 months they back-peddled off that.

The obvious solution is to just close the account and not deal with these incompetents. But I am kind of stuck in that I got this card through Caesars Rewards and need it to help maintain a certain rewards status.

Caesars needs to switch banks for this promotion.

I never know when a charge on my comenity MC will be rejected with no explanation. I've always been in good standing with my account. I took extended family out to a birthday dinner, card was declined. Went on vacation and my card was declined at the hotel. Tried to order $50 total of safety flags online today, card was declined. All the representative could tell me was the bank rejected the charge. No specific reason. I'm done with this card.

I signed up for a card a few weeks ago. I never got the card. When I got my first bill, I couldn't pay it because I didn't have the card number (I thought). I called and wrestled with the automated system. I have a paralyzed vocal cord so can't use the voice commands reliably. When I finally got a person, he told me the number was at the bottom of the page. What kind of stupid sense does it make to "secure" the card number in the account number box but then print it out in full at the bottom of the same page? So I go online to pay my bill. It won't save my bank info. I call back and am told I need to use the Chrome browser. We don't use Chrome; we use a secure browser that works fine with all our other accounts, and we are not going back to Chrome now for ANYbody. So I decide to go back to the phone automated assistant. I can't type the cc number in fast enough and it sends me again to a representative. And again, she refuses to help me unless I pay a $9.00 fee and sends me back to the phone system. It took me a solid half hour to pay my bill and close my account. Some of the worst customer service I have ever experienced. No matter my problem, they still refused to do any work on it themselves without an exhorbitant fee. Never again Comenity. I will remember you, and Bread Financial, forever.

I set my account up to be drafted automatically every month. They take the payment well after the due date and then charge you a 30 dollar late fee. I paid them off and cancelled my account. You've been warned! Stay away from these crooks!

Had fraud on my credit card. Long story short, they did absolutely nothing to help. Not even freeze my account to prevent further damage. Hours and hours of aggravation and several hundred dollars lost. Do yourself a favor, stay away.

Comenity Bank for Ulta's MasterCard is the WORST EXPERIENCE I've ever had. This is my girlfriend's CC just from this past Christmas, she had to go out of the country on an emergency, so I was trying to pay her bill. I jumped through hoops on the website, listened to automated advertising messages over and over... Had to call the bank, got tossed around, and then finally was supposed to speak with a human. She told me she could take the payment, but wouldn't tell me how much was needed to pay. So, after some time I was able to get my girlfriend on the phone. She proceeded to tell us today was the due day and then that we were just a little late, so there was a $30 late fee! She wouldn't remove the late for being an hour late, after I had wasted 3-4 hours. And, after we finally called South America, to verify the info, she tells us this. UNREAL. DO NOT get the Ulta CC, even if it saves you on the purchase.

Do not bank with this bank. Do not open a famous footwear credit card. They routinely mailed statements so there was no chance a payment could be made on time. Charging multiple late fees. Even after I paid the balance and closed my account I continued to receive payment collection notices. When I called they said it takes 7-10 business days to process, in the meantime it seems like they added new charges even though I've not purchased anything new and my account is closed. More fees?!

Just stay away.

After claiming I'm a valued customer, they reduced my limit from 1250 to 300. No warning, no explanation other than the credit bureau sent them a letter. Lies. I've paid this card off twice, my balance was like $300, and I may have been late 4 times in the span of 5 years of having this card. This is BS, and they know it. I cancelled the card, very frustrated with this company.

I have never been on hold for so long, been transferred and disconnected so many times, with NO ONE willing and able to help me. I would rather deal with my cable company or an airline customer service. I haven't even had this card 10 full days and I'm already planning on canceling it. They promise 20% off your first purchase which they will not give me. They said it had to be the day I opened the account which they did not send me any email confirmation. I don't even believe this is a real company. Please do not fall for their scams!

I have requested a pin to be sent to me three times now and was told it would be mailed, each time they tell me one is on the way and it never shows, what good is this card for me when I needed it to go out of town and was going to use it for some extra cash! No one had an answer as to why my card wont work other than we can send you another... What good is that when the first three pins haven't shown up!

I have been screwed over twice now by Comenity Bank. DO NOT TRUST THEM when they say they've closed the account or cancelled the card after you've paid it off. Twice now I've paid my balance in full, and then months later was strapped with some random surprise late payment, because it accrued interest. Interest ON WHAT, a 0 balance!? I paid it off. I closed the account. I cancelled the card. How can there be interest on nothing!?! I had a near to perfect credit score, and 4 months after paying off & closing everything, my credit is hit by some supposed late payment of interest that accrued on a zero balance closed account? Never trust this company, unless you want to get screwed. Apparently they've been sued for this exact issue already. Nice to know nothings changed.

Worst company to work with. Send payment to them and they take 20 days to process the payment which makes it late then charges ya a late fee. Gives ya the run around when you try to call then to see what is taken so long. Would not suggest them to anyone

There are usually good reasons when a business fails to earn accreditation:
Comenity is a prime example. Its sleazy practices factor precludes any chance
The naive consumer has for expecting ethical treatment. What compounds the
Problem is its penchant for hiding behind the reputation of well-known companies (e.g. Williams Sonoma) who offer Visa credit cards in their names
That are managed by Comenity Bank and subject to its mafia-like fine print policies. How this company continues to operate needs to be seriously investigated by federal authorities.

I closed all my accounts with them after they let a $2 finance charge grow to $147 dollars! And then reports to the credit bureau 120 days late. The finance charge should have never been charge in the first place I made the purchase on the 22nd of April paid it off online on the 27th of April. So I thought there was no balance, then I went to look at our credit report online, and BANG! I see they have been reporting a $2 balance as past due, but of course no courtesy call, letter in the mail, nothing, because they force you to opt out of paper statements. Tried to call to resolve it, the worst customer service I have ever experienced. All they wanted to do was try to lecture me how to pay my bills! Really, I have plenty of other credit cards I don't need their crappy cards. Closed Victoria Secrets, Maurice's and Sportsman's Wearhouse. Will never have another card from Comenity! Just be aware.

Someone give Debra a raise. I loathe talking to the automated voice message system when I have one question. As the title has stated, someone please give Debra a raise. She was friendly and straightforward.