About ComenityReviews of about.comenity.net

I’ve had an incredibly frustrating experience with Comenity Bank (DellPay). I disputed a charge for a laptop that was never delivered, and instead of resolving the issue, their customer support has been unhelpful and unresponsive. They provided me with no clear answers and directed me to different departments that don’t take responsibility. On top of that, their collection team continues to harass me even though the charge is under dispute. This lack of accountability and poor customer service is unacceptable. I would not recommend them to anyone!

Do not bank with them. I had a dental emergency and was offered this program as a payment solution. Given the painful circumstances, I agreed to what was being offered at that time. Eventually, tried calling customer service to access my accounts because I never received follow up information. I was informed that my name wasn’t spelled correctly and home address was incorrect so they couldn’t authenticate me. For months, I didn’t have any account information and they couldn’t update my information over the phone without proper verification. After a YEAR, I was finally able to update my information and was told that the balance had doubled since I missed the 12-month grace period of the finance offer. I’ve written emails, letters, and tried to speak to corporate and to no avail. They eventually merged with another bank and I’m still paying on a $2,000 bill that essentially tripled due to the interest rate that was applied on top of the balance being doubled. This happened in 2022

Bread Financial is perhaps the worst credit card company. Aside from the predatory APR everything else seemed fine until I paid my CC statement online 8 days early on December 20th. I learned their processing system is slow and unreliable. My payment was returned because of a 0, a zero at the beginning of my checking account #. I simply entered my routing and checking acct # the way they prompted me to on-screen, which is the same way it shows on my checkbook. They were basically asking for the zero. In reality the automated system ended up rejecting the payment because of it. I never before encountered this problem with other payment accounts. I wasn’t even notified of the returned payment, but instead after 8 days passed I received a notation at the top of the app screen stating something was wrong with my checking account. Still no indication from them that my payment was rejected. I looked at my bank account and seen there wasn’t a debit made so I assumed the payment was rejected. This was all discovered on the due date. I was able to correct the info on file by removing the 0, and I made the payment again, on time, not late. On December 30th I received a returned payment charge, a penalty of $30. Oh well. Come January 3rd I notice my account is frozen. I must’ve called customer service 5 times about this. One lady assured me the account would be unfrozen on Jan 4th. Obviously that never came to be. I call again and they’re telling me I have to make 3 monthly payments, has to be once per month, and my account will be unfrozen sometime in the end of March. They told me another option would be if I paid my entire balance off they would unfreeze my account. A statement for January is already available, and my new monthly minimum payment amount has more than doubled! This feels like entrapment, a kind of scam. The sad reality is this was my only remaining line of credit and I needed it for survival until I gain new employment. Customer service speaks broken English and they don’t seem to care about the specifics of the situation. They respond like robots from India. I asked for a supervisor and it was all just more of the same. I hear American Express is decent and their customer service is good too, but this company here is renting the AMEX name and not at all providing quality customer care. The severity of my financial situation has me so depressed and worried. I did nothing wrong to deserve having my account frozen for 3 months. I’m just trying to get by, and this company took away my lifeline because of a typographical discrepancy from their automated system. Something that I corrected and was still able to pay the bill on time. Yet this company adds injury to insult. I say it’s a scam because the online image example they provide clearly instructed me to enter the entire account number from my checkbook, including the empty zero at the beginning. It’s blatantly obvious what has happened here and yet customer “care” are cold and dismissive.

Leaving this online banking today after 2 years. Horrible customer service (conflicting information, phone agents giving obscure directions, very slow transfers, etc.) Website is impossible to navigate, and agents are untrained to help over the phone. Never again. UPDATE 3 weeks later: After pestering me with impossible directions on how to close my account, I finally got the balance back to 0 and will proceed to just forget about this "bank." Today I got an email from them with directions how to download my IRS documents with the instruction to click on the "view' button on my account. No such button exists. A call to their "help center" admitted that they haven't updated those instructions. SUGGESTION: Don't even think about dealing with these inept people.

Beware, this is bank and credit institution that you should avoid. The management and customer service don't provide the same information to you, therefore, a conflict will arise down the road. Here is what happened to me. I am a new customer. I bank on line and arrange my billing via email and make payments from 2 accounts on line. Sometime around November 15, 2024 I set up a payment for $600. I didn't realize the account number had a transposition. After a few days I called the bank since no payment was charged against my account. It was discovered that the account number was incorrect so we corrected this and continued with the payment which went through. Then, I made an another payment of $1,426 to pay off the balance and used my account making numerous transactions through December 19, 2024. Then on the 23rd, of December at a grocery I was embarrassed when my card was denied. When I called they said my account was locked because of a returned check. This is false and there is indisputable proof with the account that this is false. Then I was told I had to make 3 consecutive payments on time for the next 90 days to have my account unlocked. Imagine, a little boy being punished. My credit rating is over 800 and have excellent standing with all institutions. There answer to me was, SORRY, and acknowledged that this wasn't right and I was provided the wrong information when I called customer service to correct the error and was actually told everything is ok not to worry about this. Remember, I used my card over 10 times since this happened but, again, on the 23rd, it was locked. THIS IS THE MOST UNPROFESSIONAL BANK SERVICE I HAVE EVER DEALT WITH. STAY AWAY

Charging unreasonable late fees. I closed the account and was told they would continue to charge late fees

I haven't known a worse bank with horrible, unhelpful customer service and poor everything. The notification system is terrible, and the online UI is awful. My experience with them is indelibly bad!

The worst!! I have 2 promotional balances with different terms. I have to call every month to get a certain amount allocated to my one that is a one year promotion. It takes forever to get through the prompts to even get to customer service, then when I get to customer service, I have to go to a supervisor, who can then allocate my balance. Every month it’s for a different amount of my payment. They are offshore customer service, and very difficult to understand the accent. None of them can explain to me why it is different every month for the balance that is transferred to the 1 year promotion. I am almost fearful they will mess up, and my promotional balance will not be taken care of appropriately. As soon as this is paid off, I am closing the account and will never use anybody affiliated with this bank again.