Comenity

This bank is a nightmare. They acquired the visa card accounts from AAA auto club from Bank of America.
I had those AAA Visa cards for many years and everything went smoothly with Bank of America.Once Comenity Bank took over it's been a nightmare. They changed billing dates, renewed the wrong account and are impossible to reach. I have a credit score of over 800 and have never had a late payment with anyone in my life. I closed any credit card that was associated with Comenity. BJ's wholesale ceased doing business with them as of January 2023 because they were unhappy with Comenity. They are now trying to extort money from me saying I owe them late fees, which I disputed with them. But they continue to harass me by mail and email several times a week. If I owed them anything they would have been paid. You don't achieve a credit score of over 800 by having late fees. I never have had any, but Comenity keeps trying. Lord knows how long this is going to go on. Worst Bank Ever!

I have been a customer with Comenity for years and have never had a late payment. I have several accounts with comenity and they are all in good standing. Comenity started lowering my credit limits (drastically) without giving me any advanced noticed. I had a $1,100 limit on one card and had just under $150 charged. They reduced my limit to $150 which hurt my credit score because my utilization was then at almost 100%. I've recently paid off each of these accounts and will no longer use them nor will I open another account with Comenity ever. They are the absolute worst financial institution I've ever dealt with.

After paying my statement balance at the end of every month. Comenity still charges interest. I was told interest is a month in arrears which makes no sense. However, I just wanted to report this is how the banks messed up your credit by being shady…Worse bank for credit cards. Hopefully, VS find another bank to service their cards like BJs did…very annoyed!

Several months of trying to pay them unsuccessfully. There are numerous payment methods, none of which work. I finally called a rep, who processed my payment, only to be called by Comenity collections telling me my account is past due. It seems my payment is showing but not posting to which I was told, quite smugly, that "calls will continue until the payment is made". Screw you morons. If I didn't need the info for my credit report I'd close my BJs, Famous Footwear, Venus, Boscov's, etc. lines of credit. Called customer service with four issues - ZERO of them resolved! Way to go "BREAD"!

I will never again finance anything through Kay Jewelers as this banking company takes 3 WEEKS to cash a check just so they can charge interest! My due date was on the 17th of every month. I had the bank send a check on the 8th and they still waited to cash it until the 22nd just so interest could be charged! Then when you call them and tell them to look at the dates they just dismiss you and make you pay. Piss poor on their end and now Kay's is dealing with the repercussions. There are more jewelry stores than just them and that's where we are shopping now!

Never dealt with a worse credit card company in 40 years. I pay my cards off on time but this company gets you with bogus late fee's and then no customer service to fix problem. I had a zero balance and canceled the card and they were still trying to bill me for interest...you will be on the phone for hours over days and weeks to fix the problem. I won they lost because I would not give in and played their game until I won ( not it is not worth it) do your self favor and don't do business with them! You heard irthere folks!

Worst bank EVER got cc from academy store you never get a email,bill is always sent late, none of thier phone numbers on the statement for customer service work, I had to call a local store to get the correct number to call. Logged into online account and it showed I owed nothing. Store is ok to purchase from,but don't EVER get a credit card with them.

Terrible company do not do business with anyone involved with this company. Disreputable companies partner with them and when you are scammed and never receive the product they side with the scammers and you still have to pay them for what you never received. At an absurd interest rate as well. Call support and they give you the run around and side with the scam company despite proof goods were not received. As long as the scam company says so they side with those bringing them money. I would not be surprised wife they got kickbacks from the scammers.

They blocked my card for not using it enough. Told me they would have to run my credit report. I said hell no it would give me a hard inquiry.so I closed account so be using comenity credit lines any more lost a customer.and I had a few different accounts through them will be closing all accounts through them.

How you open an account with this bank. And 11 days later they close the account, after you have bought items and received your card. Then they tell you they Dont have to tell you why they closed the acct but then want you to still pay the account. So they have ran your credit and then want to say they can just close the account with no reason.

They claim I cancelled my credit card after someone said it was fraudulently opened (but I was making full monthly payments) - fraudsters don't make payments. Then they said nothing they could do when I tried to reopen and they hung up on me. Just TERRIBLE!

I got this credit card a few years back, for Burks through Commenity Bank. I closed the account in March after paying bill in full. In April I received a bill for $9, I called they removed. In May I received a bill for $12, I called they removed. In June I received a bill for $14 which is showing on my Equifax, I called they said they would remove they haven't. All these charges are for late fees and monthly reg fees. But the account is closed, you are not supposed to be charged monthly fees on a credit card that is closed. They are hurting my credit, and I worked hard to get it up. This is a terrible company.

Got a credit card for famous footwear. First payment was due January 4th. Ended up missing it because they had my phone number messed up so every time I would try to register it would say my info didn't match. I finally managed to get in touch with customer service (the phone line is garbage. It just randomly hangs up on you while you're on hold waiting for someone) and supposedly he fixed it. Guess what? Not fixed. Three weeks of calls later I finally manage to get in touch with someone else and she did actually fix it and removed my late fee and claims she removed the missed payment as well but I'll believe it when I see it. She then told me to make sure I make my payments on or before the due date because they can only remove a late fee once every 12 months. Um no maam. It's Comenitys garbage system that wouldn't allow me to make my payment soooooo don't put that on me thank you! I had even tried to use the fast pay option but it kept saying I had a scheduled payment for that day no matter what day I tried to select. How could I have a scheduled payment when I couldn't even get into my account?

I stay away from this credit card company like the plague! They are a complete joke! They sell their low amount junk debt to bad collection agencies! WILL NEVER, EVER DO BUSINESS WITH THESE IDIOTS AGAIN! STAY AWAY!

Steadily receive 'rejection letters' despite never once applying for credit. I since discovered that Comenity retrieves any and all personal information they need from the White Pages. The second you receive unsolicited offers of rejections from them, REPORT them immediately to the BBB/ Credit Bureau/ AND Trade Commission. Upon doing so, freeze your credit history and place a fraud alert it. Otherwise, they will keep it up until your credit/ reputation is completely ruined.

I made a big purchase at Overstock.com last year. Merchandise took almost a month to be delivered but sound too good to be true the fact that I could pay in 12 months with no interest. In my last month of payment I was surprised with $541 extra in my statement. I contacted customer service and I was never treated this bad in my whole life. Attendant and supervisor were both extremely unprofessional, rude and none of them were able to work the issue out. I honestly feel like I was pranked. I contacted them again thru facebook messenger, so they opened a ticked and told me that they would get back to me in 2-3 days, it is been a week and guess what? NOTHING! I have seen thousands of 1 star review regarding this company´s policies, how dishonest they are and how bad their customer service is... but I feel sorry for people that will fall in that kind of trap like I did, and I am posting this review here to let people be aware about what kind of company they are dealing with. Hope it helps!

One star because zero star is not…
One 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

Big disappointment and a sense of injustice!
After system error and 5 phone calls to find someone to help me …I had unfair bad report and huge decrease of my credit line … stay a way from that bank!

First time calling comenity due to switch in credit card company owner ship and have been on hold for twenty minutes with COMPLETE silence... don't even know if I'm still connected. BAD from the minute I called them!

Comenity Banks are ripping the consumers off with their high interest bull. The lowest is 16% and god only knows what the highest rate is. Please don't use this bank.

I keep paying off the balance and they keep charging me interest, even though I prove to them they shouldn't. Tired of it. Completely done with this bank.

Seems to be a poor company to deal with. I am finding out how bad they are as time goes by. Would not recommend this bank at all.

They have horrible service! Horrible customer service too! I have many cards with them. I have never been late on any of them. I had a student loan report to my credit report. That was incorrect, and it made my credit score drop big Time. Because it wasn't accurate information. The bureau's had to remove the information from my credit report. It only raised my credit report back up a little bit. So community bank is reducing my credit limits down to $100. Their reasoning for this is because they said I had a big drop in my credit score. I thought that being a loyal customer and never being late. On any crediregards would count. They don't care about their customers at all. When they lower your credit limit, it decreases your credit score a bit more. It's a shame that I worked on my credit score for The longest time and now because of one mistake I'm being punished for it. I mean, I have a lot of credit cards. And they're all on time, but that shouldn't affect the fact That I've been on time for every last one of they make good paying people and citizens suffer. I would not recommend them to anyone at all. Once you're credit score drops it's hard to get it back up i'm trying. These people do not care about their customers at all