About ComenityReviews of about.comenity.net

Awful. Getting to be just as bad as Synchrony. I opened up a AAA Visa account, said they sent out the card, but I never received it. After 3 weeks, I called to request a new one, and was told the account would have to be reviewed and they would send a letter. I never got the card, never used the account, confirmed the address on file was correct, but was told they couldn't send out a new one until they reviewed the account. No one could tell me what that meant. One person said they would need to check to see if the address on file matched the one on my credit report. Well duh, they had to check it when I applied for the card and it clearly matched then and I never requested a change in address but the account still needed to be reviewed for my protection. Makes no sense, this is no different to me than a lost or stolen card and since I never requested a change in address and I am stating I didn't get the card, then why does it need to be reviewed? I have another card with them where there was an issue with my bank sending a check that after 30 days of mailing it, still hadn't been applied to my account. I called and the rep confirmed there was no record of receiving the check. The bank opted to stop payment on it and reissue a new one, so I called them and gave them the info and told them not to cash the other check because the bank stopped payment on it. The next day the missing check mysteriously was showing on my account as returned, so they charged me a NSF fee AND suspended my card until I could prove more consistent payments. I always paid on time and ALWAYS paid the card twice a month and for more than the minimum due each time. I guess one little mishap with a check qualifies for horrible payment record. What a joke.

I tried to make my payment at 5pm it would not accept. So I will be charged late fee but website says until 5pm. Ver unfair

I have had dealings with what appears to be a fraudulent company while using an Academy Sports merchant card. I had always had a zero balance. One day while in Academy Sports decided to purchase something for the amount of 97.25. Now at the time I opened the card, I made sure that auto draft was set up in case I missed a deadline date. I did this since this card is rarely used and it’s my rule of thumb to do this for cards that I rarely use. Well once the 30 days came about the minimum amount was not taken out. I found this out after receiving a email message on the 3rd day after the due date. So I immediately went to their website and paid the full amount off. Then, I made a call to Comenity explaining what happened. Well, the CSM said they would happily remove the late fee as a courtesy due to me being a good customer and because of their error. I went on about my life until I received a statement that showed the late fee hadn’t been handled. So, I made another call and spoke to a representative who stated she seen where it had been handled. So, once again went about my life. Then, 30 days later, another statement arrived indicating the amount had not been handled. Again, another call to Comenity. This makes the third attempt to rectify this situation. Remember, the charges weren’t from the actual purchases made. These charges are from late charges. One late charge and others on top of late charge. More than 3 late fees have already been charged by now. Now, I make a 4th call to Comenity to see what the problem is in correcting this error. The representative that I spoke with said she didn’t see where there was anywhere on their system where anyone that I spoke with made any agreement to remove the late fee and didn’t show any individual spoken to on the dates that I called. Although, I was given a confirmation number by a manager by the name of Ariel. Remember, I was charged the third day after the past due date. Which should have not been late, in the first place. This is bogus!!! They know it too!!! By now, there’s 4 late fees on my card. Well, I finally filed a dispute with all 3 credit bureaus, disputing these claims of fraudulent late fees, along with all of my previous complaints, call in dates, and conversations were given. They also began charging 2.99 for paper bills, which I had not requested. I set up paperless billing, originally, as I did the auto draft. My credit is very important to me and would not allow this to continue. Im more responsible than that! I would advise anyone dealing with this company to record your conversations with each representative you talk to. I have now contacted my attorney to check on a class action lawsuit against them for bogus charges. According to all my research this company seems to be making these same claims against many, many others. It looks like a class action lawsuit is probable. I have NEVER dealt with this kind of treatment from what should be a company that honors what they promise. I’m telling you all this to let you know how they work and letting you know the experience I had. I will NEVER open another store account again, due to this bad experience. I just NO longer trust companies anymore. This problem should have been handled the first time that I called, but has resulted in nothing being done. I’m still shocked by this practice being allowed!!! I just NO longer trust the company’s that are are there anymore.

I have Comenity AAA Visa for a few years. I usually pay my balance in full until this year. I decided to set up an Automatic payment just in case I got sidetracked. On Sept 3 I checked my balance and paid everything in full not knowing that there was a $9.98 due for automatic payment, the whole September I checked my account and it showed up as "No Payment Due" Until Sept 27 when I called my bank because there is a payment that I did not recognize from Comenity, we checked it out online and it showed up as fraud charge. My bank went into action and stopped the payment. October came around and I found out Comenity Bank charged me $30 for a return check, I was confused as I paid this card online. I called Comenity Visa to find out what is that charge for. Kalish (Customer Rep) told me it was from an automatic payment that did not go through $9.98. When I told her that I was not aware of this automatic payment since every time I checked my account it would show up as "No Payment Due" ask her if she could do something about this $30 return check charge. She said, "Nothing she can do". My conclusion from this conversation is that Comenity Bank just stole from me as a good creditor I hate banks that steal people's money through no fault. If I had seen a balance due on my account, I would have paid it immediately, that month of September I checked my account multiple times, and all I got was "No Payment Due" Then they surprised me. Do not set up any AUTOMATIC PAYMENT if you don't want to get slapped with a $30 charge. Remember the unknown automatic charge (since your account does not show the balance due) was $9.98. They charge me $30. Comenity Bank stole $30 from me. I will not forget that and I will not recommend this card at all.

Fraudulent credit card company - BEWARE! They will add fraudulent charges to your account so they can steal your money and that's exactly what happened to me. Don't know how this is legal and they need to be stopped!

They are a very bad bank to deal with it made my payments on time but it want reflect on there end for 24 hours which means by the time they see it it will be late which is bull so I think they should have had me pay on the 6th instead of the 7th if they knows it takes 24 hours to see my payment so they charge us interest so the whole time I'm making payments I'm only paying interest and not for the item which is bull thank God I finally caught on to wat they was doing or we would have never finished so I went and paid the whole thing off and they still talking about we owe interest and it's paid off smh so I suggest if it's them u have to go through don't or u will be wasting money o yeah even though we paid on our date they hit me with it has to be paid by 5 if I pay it at the store how will they get it by 5 plus it's not late cause it's still the 7th and they wouldn't get it for 24 hours anyways so they r ripping people off

Predatory Lenders. They lied about the amount of time I had to pay my balance, then charged me $1900 in interest (on a $1600 balance) in 6 weeks. The service rep refused to remove the charges and hung up on me.

Comenity/Iddeal es la peor compañia de credito que existe siempre e hecho mis pagos en tiempo y alfinal terminaron cobrandome $250 de interes sin darme una explicacion , llame a servicio al cliente y no supieron q desir solo que no podias hacer nada pegunte por el nombre de el representante y solo me dijo que se llamaba Brenda y q por pólizas de la compañía no podía darme su apellido , disfrasan sus promociones y al final terminan cobrandote intereses absurdos sin darte una explicación no tienen etica y su servicio al cliente es de lo peor que e visto , no es una compañia confiable nunca mas usare esta financiera y recomiendo que si alguien les ofrece financial con esta financiera no lo hagan hay mejores opciones como syncrony .