Comenity Bank Reviews
Comenity Bank Customer Reviews
-
Sort Reviews By:
A DISGRACE OF A BANK
In 50ty years of banking this bank is the WORST banking experience I have ever had ,of the 20 banks I have dealt with this one is rock bottom.I gave it a one star rating,if I could of I would of gave it a MINUS 5 !!!
I owed them like 45 cents and the charged me a fine of $16 plus interest ! I filed a complaint notice and got no response.
When I got this ridiculous charge I paid it the next day just to get rid of it and then they hit me with a late charge and more interest !!! Their processing department must be the pony express.
DO NOT OPEN AN ACCOUNT WITH THIS BANK, BE AFRAID BE VERY AFRAID !!!
Robs customers with sneaky interest charges.
Comenity Bank finds new ways to rob customers and charge interests that are not easy to understand, especially when you have the B&H Credit Card and choose the 12-month financing option. Be careful and ALWAYS ALWAYS review your statements before making the payments.
Good Sam's Reward Visa SCAM
Do not trust this trash company
Worst Bank ever
Comenity bank is scam bank and will destroy your credit
I am having this exact same issue.
They should be more tolerant
Deceptive, unclear Billing Statements.
I bought hearing aids. I waited for bills. In the meantime I was receiving bills from Comenity Bank. The bills did not state what they were for. I thought it was a scam. Finally I asked the seller of the devices. By then I was in the 28% interest range of Comenity Bank! I could not catch up. They began harassing me for payment. It was an entirely horrible experience. They may have been a scam at first when I ignored their deceptively worded billing. I am an 81 year old woman. I regret buying hearing aids. I didn't even know the payment was to be done through Comenity Bank. It has taken a toll on my well being and credit rating. Do not ever use Comenity Bank for anything.
Comenity is a joke of a bank
Comenity and their banking system is a joke. They closed my account over a year ago because I supposedly asked to look it up too many times. I have been in a ridiculous loop for the last three months trying to reopen it. The customer service rep on the phone while I was in the store on July 7 led me through the reapplication process multiple times in multiple ways and nothing went through. SHE suggested that I try contacting Comenity through the app at home. Today I received 7COPIES OF THE EXACT SAME LETTER telling me I had an account already and to call
Customer service. Maxine at customer service told me I had to go to the store and do it. So I did. The store manager was amazing and tried everything but Comentiy? We went round and round and I was told by Trisha, a supervisor who really didn't seem to know much to call "credit Recovery" even though the "old account isn't the problem. "Then I was told to call "New Accounts" (really- that's who sent me 7 COPIES IF THE EXACT SAME LETTER. ) I told her that I expected a letter from them now fixing this because I have spent a ridiculous amount of time trying to untangle this just so I can get double Ulta points. I don't even want the card will NEVER finance or apply for a credit card through this sad excuse for a bank again.
Expect they will play games to get late fees
Crooked as can be. They do B&Hs Paybook card and routinely send emails saying your payment is due on a certain date. When I go to pay in advance, late charges are already applied. I rarely receive payment emails before the payment is due. We have plenty of money. We just can't work with this company in a fair way.
This company is not reliable.
We were with Bank of America, AAA. We were sold to Comenity and have had problems ever since.
We pay our bill in full every month so I don’t understand why when we use the card we are denied. This has happened to my husband very recently for the second time. I was also denied access on my card. We’ve both been issued new cards and it happened again.
I’ve been embarrassed at the register…Enough is enough. They have been nothing but trouble.
You be the judge... very questionable banking outfit
Comenity Bank
Terrible at best. I received a bill from 10 years ago that was payed ten tears ago. Comenity bank states that I am 4 months late on payments, but how can that be from a charge that was paid 10 years ago. Insane!!
Jim D
WATCH OUT and RUN away from it
Deserves a negative star.
Charged me $10.65 interest on May-11 for a purchase I made on May-5 while I still have negative balance of $300 (a $300 refund from previous purchase).
Use Comenity if you are BRAVE enough, so tired of arguing with them every month. Yes, they gives you headache at every month. Just when you are tired, they got a BIG piece of you without knowing it. It is not even qualified a legit bank to start with!!
Took my payment and will not mark it as paid off
Worst business practices
I have paid my bill consistently online and before the due date. They have no record of the payments and do not want to discuss it with me. I have tried to talk to their customer service but I could not understand a word they said. They finally hung up on me. I have told them I will not make another payment until they straighten out my account. Now I am receiving 15 to 20 calls a day. I have tried to answer them, but I can't understand a word they say. Now I have blocked them, but calls still come through so now I just decline them. Most annoying.
They are doing the same to me! They are a scam.
Bunch of crooks!
If there were a place for negative stars I would have hit it. No matter how early I send my checks, they will call it late just so they can tack on ridiculous late fees and interest charges. When I called, they were totally unworkable. 3-5 business days is the standard for most companies to receive their payment.
Not Comenity. They want a full two weeks to 16 days. Then they told me I should use auto pay or online payment. That’s my choice and I will not be forced into it. Crooks! I’m looking for them to fold in the next year or so.
If you get offers for their card from your retailer, run away as fast as you can and tear up any literature in the mail. Plenty of other reputable cards to choose from. I’m warning you from my own frustrating experience.
I have the exact same problem with Comenity bank. My payment was due on 4/2/23, I sent my payment on 3/21/23 , this bank claims they received the payment on 4/3/23. so they get to charge the late fee and interest. I called them , their answer is to check before due date to make sure the payment is in.
A rogue "credit card provider"
Comenity bank is so tricky!!!!!
They offered a promise for further discount when I applied for a Petco card, not only did the discount not show up in the final payment amount or the initial statement, but they charged the wrong amount for my online purchase.
When I paid only the correct amount and contacted them many times to explain and requested correction, they simply refused to correct it, saying the merchant credited back to me in February, but I owed them in December, therefore all the late fees and interest charges I still need to pay, even though I had already cancelled the card.
They made a $8.19 payment difference to become $38 more, and they reported me to credit bureaus.
After I gave up and decided to pay, the representative told me the credit card I provided didn't work. So I sent in $38.57 to their specified address on Feb. 24th, I have not heard back from them. Then I received another statement today, accumulating more late fees and interests. I checked my bank check status, it is "pending" as of today. This is so frustrating!!!
they did me the same way, no statements for 6 months and then one only for interest and late fees. They are doing me the same way.
Watch for payment increases without your knowledge.
They financed my hearing aids. Gave me a payment amount and I set it for autopay. Without any prior notice they increased my payment amount. When the auto-payment was short I was hit with late fees. They charged $40 per month for 3 months before I looked at the statement. I asked for a credit they only returned $40. There should be a penalty for them.
No relief if you are charged fraudulent charges.
This bank does not expedite credit fraud investigation reported by credit card owners. They have taken 4 months on my credit investigation and instead of investigating in a timely manner they kept charging me for the disputed charges and late fees, reduced my credit limit from $5,000 to $750. My original dispute investigation is still not resolved. BTW I was fraudulently charged on another card for similar charges from similar vendor and that bank resolved it immediately! I did get a new card as requested but still no settlement of fraudulent charges.
You are absolutely right. No investigation at all but they keep charging interest and saying that it takes time to investigate. This went on for about 8 months.