About Comenity Bank
Comenity Bank, located online at Comenity.net, is a financial institution that provides the backing of many different store and brand credit cards and credit accounts.
According to their website, the goal of Comenity and their two subsidiaries, Comenity Bank and Comenity Capital Bank, is to make the shopping experience of consumers better.
Consumers who choose store credit cards and credit accounts do so because they love that retailer, but their incentive for keeping the card comes from the benefits they receive from being an account holder.
Comenity Bank says they work with many of the nation’s most popular places to shop to create credit programs for their customers which help keep their customers happy and loyal to their brand.
In pursuing this goal, they have successful backed over 28 million store credit cards or accounts, and their website says they continue to work hard to make sure their credit programs are clear, easy to use, and easy to manage.
If you have a Comenity backed account, you can use their website to manage your account, as well as utilize the other helpful tools available on their website for your own personal benefit.
They provide articles which address financial health, both from the angle of providing their customers with general tips and guidelines for promoting good finance and more specific articles that focus on having and maintaining good credit.
Customers who have issues, questions, or complaints can contact Comenity Bank directly at one of their customer service phone numbers, depending on the nature of the issue they are seeking help with.
You can also contact the company by mail at their address in Columbus, OH or with a simple email submission directly through their website if your issue is not urgent and you have no need to speak to someone directly.
If you have experience with this company or their services, please leave your Comenity Bank reviews below.
8 ‘Comenity Bank’ Reviews
Not a good bank to deal with
Dishonest to the core.. I had a store credit card through comenity bank. The store had financial issues and would not honor the rewards earned. I called Comenity customer service and they suggested closing the account because the rewards earned were useless and there would be no more rewards with this card. I took their advice. A week later they allowed redemption of rewards but said since I closed the account I forfeited all the rewards. I informed them that they directed me to do so. Their replay "to bad" nothing we can do. My advice don't business with scammers. Even the cashiers at the store which was still in business selling goods felt bad about the way the store and comenity scammed everyone. And yes using the comenity credit card was still fine even though most probably didn't know that were not receiving any rewards which was the entire incentive for having the card in the first place.
Harrassing phone calls,legal threats, closed good standing accounts
This horrible bank, because of one bad credit account, closed good standing credit accounts because they owned the creditors. Also received harassing phone calls and legal threats from this bank. I don't recommend this bank to anyone for any reason.
This is organized crime operating as a bank, apparently allowed by regulators in this corporate-controlled country. They engage in multiple unethical practices:
- They hold statements long after the statement closing date so that the consumer has little opportunity to pay timely.
- They don't respond to consumer complaints.
- They sometimes levy a minimum charge which is in addition to any legitimate charges, instead of the legitimate method of it being the part of the balance you are required to pay as a minimum.
Comenity Bank Ripoff Bank
I opened accounts with Comenity Bank beginning in July of this year. I received a total of 30 credit cards with this bank and had so many cards they gave me, I had to close around 10 of them on my own. For whatever reason, every time I applied for a card, it would go to their “fraud” department.
I was required to answer 3 simple questions from public record and they would almost always approve me. I used maybe 10 or so cards giving this back at the very least 3,000 dollars always paying on time and always paying at least the minimum payment. I applied for a Game Stop card, and that’s when the fun begins. I got a very nasty, sarcastic and disrespectful supervisor who didn’t do a thing for me when I told her when I call and I correctly answer your 3 questions to verify it is in fact myself who applied, then got declined anyway. I had asked for a supervisor who IMO thought could get me approved anyway she did absolutely nothing for me at all. I yelled at her not screaming or cursing at her mind you, just raising my voice, and after I was done, she goes, “that’s ok, I’ll fix your a*s”. A couple of days later, ALL 30 of my accounts were closed. They “claim” they needed to verify that I was, in fact, the one who applied for the cards. They advised me to send them a copy of my drivers license, social security card and utility bill.
I did this immediately priority mail. They received it according to the USPS records and I heard nothing back from them. I kept calling them to see what happened to the paperwork and all they could do was humor me. I finally got a very nice supervisor on the phone who re-opened my accounts, But they only stayed opened for about a couple of days, then they were all closed again. About 3 weeks go by, again nothing, so I re-send the paperwork again priority mail (were going over ten dollars just in mail) FINALLY almost 2 months go by, they tell me the address I sent the paperwork to is only their mailing address and they forward the paperwork to the correct address. Finally after almost 2 months, I called them and they told me they tried calling me (which they never did, caller ID doesn’t lie) and tried to contact the electric company and they couldn’t verify my information.
When I called the electric company they immediately verified I had an account and it was in good standing never late once in the 2 years I had service with them. Next thing I know, I get 20 letters that my accounts are being permanently closed because of “security issues” despite I have already proven time and again to them I am indeed who I say I am not only verifying this in the initial application process, but also sending them copies of my drivers license, social security card and utility bills. I was so proud of these cards, used them properly doing the right thing paying them on time and STILLED got screwed. You know, sometimes you wonder if doing the “right” thing is the right thing. I always thought you were suppose to have a relationship with you bank, but in this case, it is the bank who screwed me! To add insult to injury, I have to pay these morons back, otherwise they will really screw me!
DO NOT USE Comenity Bank! They also charge 26% APR, but I didn’t care because in the beginning I thought they were the best bank in the country. The bank is garbage, the people who work there are garbage and worse than that they use a PO box for all their correspondence and have no street address. Just remember every single card I have with them is being treated with responsibility and maturity
Terrible Customer Service
This Bank issues credit cards and charges a $49.00 fee if you simply apply for a card. Even if you never activate or use the card they still refuse to waive this fee if you request the waiver after 30 days from your application acceptance. You have to pay for something you never used and did not activate.
Very Poor way to attract new customers.