About ComenityReviews of about.comenity.net

Condescending Crooks! Made up a fraudulent late charge to ensure there was a balance at the end of the promotional period to ensure there was a balance that triggered over $1000 in interest due. Then with an unknown balance I did not receive a notice until an email showed up saying that they had reported me to collections that will negatively affect my almost 800 credit score. Unprofessional! Condescending! Rude! And almost proud of it!!!!

Comenity Bank is hands down the worst bank I’ve ever had to deal with. They don’t care about their customers, they don’t care about loyalty, and they definitely don’t care about providing real support. Every interaction feels like talking to a robot - scripted, unhelpful, and completely dismissive of your concerns. It’s clear they value systems and policies over people. I’ve never felt so ignored or frustrated by a financial institution. If you’re considering opening a store credit card that uses Comenity, save yourself the stress and go elsewhere.

Their security and privacy practices are abysmal. When I tried to pay off my account there, I had to do it by phone, not online. Their payments website is not https compliant nor are their communications respondable to.

This has to do with Comenity issuing the IKEA credit card. Just DON'T as someone in governement said not too long ago (just hope you all listen.) There is zero customer service via phone. Comenity asks applicants to verify their identity when there's been a credit lock by them - fine. Then Comenity asks one to EMAIL THEIR PRIVATE docs to Account Protection Verification at breadfinancial dot com and while that sounds legit, there's no secure upload portal for BREAD FINANCIAL in 2025? Just don't go there with this company.

Only giving 1 star since this site won't let me give 0. In the ~10 months I have put up with their awful service, they have randomly deactivated my account THREE times due to faulty "fraud" alerts. The first two times their account security team was able to immediately lift the deactivation; now they are randomly asking for a bunch of ID scans and are estimating it will take 2 to 4 weeks to reactivate. Truly the most incompetent company I have ever dealt with; stay well away if you value your sanity.

They seem more concerned with trying to obtain late fees than resolving disputes. They also seem to provide ones PII (Personal Identifiable Information ) to third party collection agencies… .

Stay away! Communication and organization are lacking. I do not suggest or recommend this service. The level of service is low, and the organization is poor. It is just not good. Stay away!

I wish i can give 0 for this bank bad ugly people i never face this with chase or any other bank