Comenity

Avoid this institution. You will get charged for interest even though the store tells the offer is 12 months interest free.

Zero compassion for people who make mistakes. Out to grab money any chance they get. Please avoid at all costs.

I have been a customer with this company for YEARS. I have had 5 store cards. Dropped Game Stop a couple years ago, Meijer switched banks, and I just recently picked up Victoria's Secret. I also have Hot Topic and Big Lots. No issues at all. I always paid on time, there were regular increases, rewards, etc. All in all, it was a good relationship, until recently. For the past several months I have had trouble getting online to make my payments. The system would say my password was wrong, so I'd try to change it and then it would say they were having technical difficulties. Call the phone number and it says to call back later because they're experiencing technical difficulties. I always managed to get in under the wire until last month. I could not get on to get my VS card paid. I called the store and they said they'd take the payment. I drove 45 minutes only to find out that they couldn't take the payment either, due the system being down. I tried every day for a week. Finally my payment is late. On the first late day, I was able to log in, so I sent a message explaining all this. They told me that they would give me a one-time COURTESY refund of the late fee even though it was THEIR fault. Whatever. I got it back. So all was well for about 2 days and I realized I had completely forgotten to pay the Big Lots card. First time EVER. So I log in and it says to please pay the amount due by the next due date, which was 3 weeks away. Cool. Until the next day when I started getting up to 3 texts, calls, and emails (each) per day wanting to discuss this late payment of $35. I sent them a very polite and professional message saying that I realized I had missed the payment and that it was completely my fault, but I was on shut down for 2 weeks. My next payday was on the due date and could they please not blow up my phone until I got it paid, assuring them 100% that I WOULD pay it to current on the due date. The next day I noticed that all my cards had $0 available credit. I messaged to find out why, thinking that because 1 card was late, they put a hold on all of them. Nope. They said I requested a "Cease and Desist" and since they couldn't contact me, they weren't going to extend me anymore credit. That is NOT what a requested and what a dirty, underhanded thing to do to a good customer. I just paid off all my cards and they can stuff every one of their accounts. I'll take my business elsewhere.

If u miss a payment they reduce your credit
Get citibank.Avoid using come ity at all cost. Not worth it.

I never ever have had not 1 bad or argumentized interaction with someone on the phone, until this lady, Ms. Tucker. She is rude, disgusting and shouldn't be working w ppl or on the phone. I am late on payments due to other situations, she called once and was angry I said I was at work and that they would have to call Friday for payment (seeing as they're calling regardless) this woman started w me saying I needed to call them, I let her know I'm at work again and hung up. I called back for a supervisor after because she was out of control, then was transferred and hung up on. I called back again and here goes Ms. Tucker again, saying I was doing a "refusal for payment for the 3rd time" then that woman started to YELL at me, saying I wasn't a customer because I was in collections, she was condescending and almost like she wanted to argue with me. I thought I was being pranked lowkey, Comenity please I get doing what you guys do and getting payments is hard, but please employ ppl who have some couth and respect. I am human, just because I am going through a hardship, behind on a few payments doesn't mean I should be treated like some criminal. Fire her and I'm gonna complain against that beast every time I can. I determined to pay and close this card due to the trash they have behind the phones TO MS.TUCKER: YA MOMS A H... you finish the rest