About ComenityReviews of about.comenity.net

The bank seems to have a minimum payment of $37.00. No matter if you owe $70.00 or $100.00. Since I don’t know this I paid half of my bill ($35.00). There is not a past due amount on the bill. But they charged me a late fee since I owed them $2.00! They are absolute crooks. I’ve called and spoken to several People that only read policy to me. They don’t know anything and are unhelpful.

I purchase a few "over-priced jewelry" at Kay Jewelers in Springfield, Ohio but for whatever reason, I agreed to apply for a credit card at community bank when I should have paid cash. Anyway, I decided to pay the full amount and I guess the payment arrived in Texas a day late. They charged me $30 late fee. For one day and paid in full. Now, they are calling me 4 times a day and leaving messages on my voicemail and letters with a $30 bill. I paid them over $4,000 for the jewelry and this is the respect I got. I called them and explained that I paid in full and just because it arrived a day late in Texas should not be an issue. The girl got rude and said, "You owe this money." I don't believe I do. I give money to people, $5,000 here $300 there and I do not expect it back. And to treat me like a person with no value. I'm not paying $30 to a Bank-Jewelry company that probably has a lot more money than me. I give them a 0 star if I could. Them and Kay Jewelers in Springfield. They have lost my business for life.

They just hit me with $1,100 in deferred interest. No warning whatsoever. Turns out I paid my bill a day late a bunch of times and they charged me $40 each time. That's completely understandable but I was never notified i was being charged a large fee every time. If I had known about the laye fees I would've made it apoint to never be late. Their $400 in late fees took me over the due date for deferred interest. Who the heck charges late fees for one day late though? Comenity, that's who.... I have every credit card there is and pay them a day late all the time. I have never been charged a late fee for being a day late. I financed $2,700 and will end up paying $1,500 in fees. Over half of the value. That's predatory in my opinion. It really put a stain on our engagement rings. To top it off I'm a long time customer of Kays and have spent a lot of money with them. My fiancé loves their stuff, and has a bunch of stuff from a couple different collections. No more Kays after this though.

Comenity manages the store card for Talbot's - and an absolute nightmare to deal with. I have a $50 credit balance and they will NOT refund it. They continue to reference a .20 check sent over a year ago (that I never received.) They sent it again, I cashed it per their instructions, in order to get my $50. Now they insist I "received a refund check" and they can't send another.

Terrible bank--made a payment of $63.55 3/14/25--they did not get it until 4/9/25 & charged me a $30 late fee--now it is up to $63 on 6/2/25--I called a supervisor & he said they gave me a one time credit in may for $15 (which never happened) & he won't waive the $63 (which is only late fees & not for merchandise)-- never Use this bank.....

I’ve had a retail card opened since 2009, I typically only use it once a year if that. This year, as I’m trying to build my credit back up they closed my account due to inactivity with no warning or notification. I would have charged something to if if they notified me. I asked them to reopen since I have never been late on a payment and I would use it immediately and they said no. They said they aren’t legally obligated to notify customers before closing an account. This hurt my credit because the was was one of my longest open accounts. They were unhelpful in resolving and basically just don’t care at all about their good and loyal customers. Would rate zero stars if I could.

Worst bank to do business they did not help me with a credit card fraud that I submitted I provided all paperwork that I had .. I had 2 credit cards with them cancel both ob. Never do business with this bank

Stay far away from these frauds, I'm honestly not sure how what they're doing is legal. I paid my balance off early, then for some reason they added a $2 charge to the account. Not sure why, because I didn't use the card at all after I paid initially. Because I didn't see the $2 charge, I was charged a late fee and now I owe them $78 for absolutely no reason. That's how they make their money, by stealing. Also, if you're 1 minute late paying, get ready for at least 5+ harassing phone calls daily from 5+ different numbers and their bs automated semi-threatening voicemails. I got calls from them on a Sunday at 8 am. Funny, because their online system is always conveniently down when you're trying to pay, thus making you late so they can slap their fees on top of what you're already paying. They should be sued.