About ComenityReviews of about.comenity.net

Terrible and will overcharge you with fees! I want nothing to do with anything to do with them its that bad. My kid was sick and they wouldn’t work with me at all after several accounts and years with them with no late or missed payments. I was then hit with excessive late fees and they then use the awful company of MidlandCredit to collect small bills. The one star is to leave a review. Avoid at all costs!!! They also changed their name

Had a Catherine’s card via this company. One - someone made an input mistake on the correct date of payment & charged a $30 late fee. Second - No way to talk to a non-robotic entity at Catherine’s nor Comenity to resolve this. What a scam! My Comenity account is now closed & my Catherine’s card has been shredded into hundreds of pieces.

BEWARE...My experience was I bought two rings at two different times had 2 different promotional dates they applied my final payment to the second promotional code then charged me interest for the first ring that was supposed to be paid in full paid because of their mistake my second promotional code was now over also which was supposed to end 12/24. I paid the whole thing off and then they charged me another months interest for a total of $2394.43 which I should have never had. I filed a claim wrote a letter with multiple phone calls and they never rectified anything. Long story short I will never by anything from them ever again and they say I'm a valued customer shows how valued I really am.

Please stay far away from this lender! If you do not pay during the so called promotional period you will pay 29.99% apr for the whole 18 months. In my case I only owed $262 and they decided to add a bogus interest charge of $1415! Now I’m stuck with an account balance of $1667. I will go through lawyer as these interest charges are very fraudulent. As I mentioned earlier, stay away from these scammers.

High late fees. No grace period. Extremely predatory interest rates, even if you have stellar credit. There is absolutely no reason to use them. Just about any other credit company is a better option. They took over an account that I had with a different company and made it considerably worse. Once this is paid I'll not only never use this account again, I'll never sign up for anything else they are involved in.

I have been a customer of Comenity Bank for years. Their computer payment allocation system interfered with my payments, causing me not to cover the full balance within the promotional period, and I was hit with over $1500 in interest charges. I complained, but to no avail. I am closing the account and will not be doing any business with them anymore.

In July 2023, I mailed a check to the company two weeks before the due date. I looked on the website for it to be credited to my account. When it was not, but a late fee was added, I followed up with a phone call. After an hour-long conversation, it was acknowledged that the payment had been received, and a "waiver" was applied, reversing the $30 late fee. For one year, I have made payments in store, to ensure I had receipts of payment date. In July 2024, I was again charged a late fee equal to the total of my previous bill, $20.72. I had made a payment, again in store, prior to the due date, but because a $2 "fee" was added at the last minute, my payment - which I thought to be in excess, because the amount owed was only $18.72 - ended up being .72 short. After another hour spent on the phone with customer service personnel outside of the country and in US, I was definitively told no waiver could be assessed to reverse the "late fee" of $20.72 to my account, even though both representatives acknowledged that I made payments dutifully and on time for over a year. Both acknowledged the .72 was worth charging me a late fee, and that fee could not be reversed. Most people would not waste time with a $20 overage. This waiver *could have* been applied because it the first time I was actually "in error." However, Comenity Bank is in seemingly in the business of ripping people off, not in the business of providing customer service. This Bank is EXPANDING - they are taking over others' accounts. BEWARE and do not associate with them!!! Save every single receipt.

Never trust this credit card. I opened it at Victoria's Secret store by mistake. I did not want to open this credit card, but the cashier offered it with a discount even though my purchase was only $44.95, not reaching the $50 to qualify for the bonus. I never received this credit card and made a payment by phone well before the due date. I even received a confirmation saying, "Your payment has been processed." However, after one month, I received a call from a private number, which seemed very suspicious, asking me to pay around $60 (I forget the exact amount). He said he had my information and could reduce the payment to around $30 if I agreed. Concerned, I called customer service and was told my first payment had been declined by my bank, so I had to pay all the late fees and interest that had accrued. I explained the situation and asked to just pay the $14.95, but they refused. So, I reported it to the CFPB, and they partially waived the fee to $15.44, but I still received a statement for $53.36. Indeed, this time I received it by mail. I called customer service again to confirm the payment and stated I would pay by check this time to keep a record of it. The representative told me I would incur another late fee if I paid by check, so I had to confirm my routing and checking numbers with her again. She told me she could not guarantee anything about the payment. She also mentioned there might be minor interest charges that I would need to watch for, even though I had already asked them to close the account. I requested them to send the statement by mail to two addresses, but they refused. Trust me, never open it; it is a disaster that you can't easily escape. I even suspect they purposely create late payments and then have someone call you every day from a private or spam number. They won't offer email contacts and limit phone calls to only payment-related functions. I hope someone with a legal background can expose them and put an end to this nefarious business.