About ComenityReviews of about.comenity.net

Apparently Comenity has recently started delaying the processing of "large" credit card payments for 72 hours. "Large" payments are held for 7 to 10 business days. I am unclear if the 7 to 10 business day delay includes the 72-hour initial delay or is a separate delay. The Comenity agents I spoke to claimed that this is for security purposes. As someone who has career experience in both physical and wireline security, I know that is absolute nonsense. Delaying a payment, from an established customer, for a week, while interest is accruing is not for security, it's for profit. At no time during this "security waiting period" have they contacted me (the card holder) or the bank the payment is being drawn from. What "security" practices are being employed? Answer: none. The rep and supervisor I spoke to insisted that no policies have changed since I got my card but couldn't explain why all payments made prior to this particular "large" payment have posted and cleared within 24 hours, even though I've made larger payments than the current one in question. Even worse, they claimed that nobody in the company can expedite the payment process - they are victims of their computer system just like Comenity's customers. So, basically, people are expected to believe that Comenity had the code for their processing system designed and written to intentionally delay payments and to prevent anyone from being able to make corrections or adjustments. That's not any kind of security or good financial stewardship. That's nonsense and I'd wager that it isn't even true. I got the card through AAA and love AAA's services - but this is one AAA offering I am seriously considering canceling and finding elsewhere.

I was outraged to find out Comenity Bank informed Equifax that I was late on my payment. I have never been late on a payment in my life. I was informed that my credit limit was lowered to a much lower amount and there was nothing I could do with Comenity to correct my credit score. I have them to be unreasonable and vicious.

Never again, I changed my due date online 10 days prior the due date and I got a email saying “Late fees will not be charged to your account as a result of changing the Payment Due Date” and I still got charged a $35 late fee. When I called them to wave it, they simply said no.

They are the WORST! Victoria Secret uses them. I don't use the card often, but my daughter used it recently to make a $25 purchase. I forgot to change my auto payment bank account info after closing my bank account due to fraud. The payment didn't go through so they charged me a $25 late fee, basically doubling the purchase. I requested a waiver due to being a very long term and good customer. They said all they "could afford" was a waiver of $15. I told the rep that Comenity needed to change their wording because "could afford" is an absolute joke for a bank to say. I rejected their $15 because I was told I could not close the card if I took the credit. Needless to say I paid the full $52 (plus $2 in interest) and I have cancelled the card.

Wish I could give zero stars. This is the worst bank ever, hands down. They own the Carter's card that I opened a few years ago (biggest mistake ever). I used it one time about 2 years ago and haven't used it since. About 4 months ago, someone got ahold of my info somehow and used my card to order some kids' clothes and set them for pickup in New York. I'm in Georgia. I started getting billed and I called them to report it as fraud. They said they would take care of it and stop billing me. HA. They have continued to bill me and charge interest, and have now reported it as delinquent to the credit bureaus, making my score take a huge dip right before I'm planning to buy a house. These people are the absolute worst and do not give a sh*t about you. I've called them about five times total and get people who I can barely understand who pass me off then hang up on me. DO NOT open an account with them. You will regret it. I wish I could take it back...literally used the card one time and now I'm severely paying for it. Nobody could get my info if the card didn't exist.

I tried to add my card to google wallet. They had me call a number instead of text message like everyone else in the year 2025. i called and the agent said she sent me a code. i got the code and gave it to her, she said her computer was having technical difficulties can she send it to the other number on the account, i said sure. she sent it and i received it. again she said her computer was having technical difficulties she couldn't enter the code, do we have a third number. i'm not a drug dealer so i said no we don't have extra phones just laying around. so she said that was a security risk and my account is locked and i have to wait for a letter by mail. yes, mail. no, not email. the pony express. complete and utter incompetence.

Is there no legal recourse against an institution such as Comenity Bank... I can add my frustration to all of the other reviews here when dealing with this bank either via their feckless customer service or their complete inability to efficiently handle the Bank's deficient login process. I've stopped counting how many times I've had to change my password - is it possible that a saved password won't work more than once? Yes it absolutely is! Because I've literally had to reset my password every time I try to login to my account. Hard to believe with today's technology and Ai advancements that a bank can be so woefully inept across the board. Other than the usual avenues like The Better Business Bureau, perhaps a class-action complaint or even an overwhelming response to a reputable news agency that could run an investigative story on financial institutions like this one would be welcome. I think this bank holds the record for the highest amount of negative reviews. I've never seen any review collective like it. You'd think the embarrassment alone would be enough to motivate them to do better. The fact that it hasn't, tells you all you need to know about this bank's reputation as it relates to competency, service and care for it's unfortunate customers.

Beware of their billing practices! I called and was upset about their billing practices, they are taking advantage of people, in their own sneaky way! And I called them out on it...(they did remove the fees, only $20.20 after threats to pay off and CLOSE ACCT) Was told afterwards that..."WE NORMALLY WARN PEOPLE WITH THIS TYPE OF BEHAVIOR"... I was flabbergasted at this comment! I Never spoke badly to him, directly, nor otherwise, I was NOT using vulgar nor threatening words! I was, on the other hand upset, and had every right to be! So, don't THREATEN ME! I plan on paying off this credit card, and never returning to Kays Jewelry, how appauling! Customer service has eroded! I don't ask for anything, and always pay my bills on time. When I see bad practices on the part of any business, I will call them out on it, I don't like to be taken advantage of, and I try to eliminate this type of behavior so that others are not taken advantage of, then they tell me this, sickens me! Never again!