About ComenityReviews of about.comenity.net

This is the worst credit card company I’ve ever used. I’ve had my card for many years and just the past year suddenly when I try to pay my bill on the website it tells me it cannot find my account, locks me out and makes me reset a password every single time I log in. Then for days it tells me it cannot find me under my credit card number and last 4 of SSN until my bill is past due then suddenly I’m able to make a new password and my account can be found. This company is a freaking joke. Once I pay off my line of credit I’m closing the account and never using them again.

HANDS DOWN THE ABSOLUTE WORST BANK I HAVE EVERRR DONE BUSINESS WITH! I got a Lays card when I purchased my wife’s engagement ring, and ever since they have been sending my statements and everything to an email address that I have never even heard of before. Not only this, but when you call and speak to any agents they give THE WRONG INFORMATION! You can not track anything through an app. They are living in the 90’s still apparently. they are LIARS and very disrespectful to their customers on the phone as well. I don’t plan on hurting my credit, so I will keep the card. But I will NEVER USE IT AGAIN, and I will never refer this bank TO ANYONE. HORRIBLE/DISCUSTING/TRASH/WORST BANK EVER!!!!!!!! Tell EVERY ONE TO STAY AWAY!!!

On two separate occasions ,with two different stores that use Comenity with their store credit cards I have been over billed, they once applied a payment I had made to the wrong account and were trying to charge late fees. Lesson learned......never again will I use a store card that uses Comenity. No rewards are worth the difficulty of dealing with them.

Dishonest bank! I took out a 12 month loan for some dental work I had done. I didn’t have to but I figured I’d take advantage of their promotion. I went to pay my 12th and final payment just to find out that they tacked on 30% of back interest I called everybody I could from the company and nobody would help me make this right. Because they sent me my first bill and statement six weeks after my purchase date it was in effect an 11 month loan I wasn’t keeping track of the purchase date I was only keeping track of the 12 payments , it was a sneaky trick and they were able to cover themselves legally and not give me back any of the interest. In retrospect. I should have never taken the loan. I should’ve paid my bill in full and I would hope that anyone who reads this would learn from my experience .

I signed up for a card a few weeks ago. I never got the card. When I got my first bill, I couldn't pay it because I didn't have the card number (I thought). I called and wrestled with the automated system. I have a paralyzed vocal cord so can't use the voice commands reliably. When I finally got a person, he told me the number was at the bottom of the page. What kind of stupid sense does it make to "secure" the card number in the account number box but then print it out in full at the bottom of the same page?? So I go online to pay my bill. It won't save my bank info. I call back and am told I need to use the Chrome browser. We don't use Chrome; we use a secure browser that works fine with all our other accounts, and we are not going back to Chrome now for ANYbody. So I decide to go back to the phone automated assistant. I can't type the cc number in fast enough and it sends me again to a representative. And again, she refuses to help me unless I pay a $9.00 fee and sends me back to the phone system. It took me a solid half hour to pay my bill and close my account. Some of the worst customer service I have ever experienced. No matter my problem, they still refused to do any work on it themselves without an exhorbitant fee. Never again Comenity. I will remember you, and Bread Financial, forever.

I make my payments every month using my bank account of course. I submitted my payment of 37 dollars and they took out 327.00 hmmm they couldn’t be that stupid….they are. When contacting them after a day of runarounds they said it woul d be 90 days for a refund. I got it reversed by my bank, and now they tried pushing it through again…. I reversed it again and am anxiously waiting for them to call! This is a fraudulent company. I don’t know what has happened over the years but they get non English speaking CS Reps and it make me think how much money goes into thei pockets for the scheme??

Common criminal banker thieves. So boscovs makes a mistake and makes two of my payments on an old closed out account. I get a phone call saying I haven't made any payments. We get that straightened out, boscovs refunds my money with paper checks through the mail. I call Comenity on the 23rd of the month and ask what is the full payoff, lady on the phone tells me what the full,amount is and I pay it completely off. I'm done with payments, end of history. But no, the lady fails to tell me the payment was due on the 20th, doesn't charge me the late fee. Two, three months go by and I start getting phone calls from these clowns saying since she didn't charge me the late fee I now owe 160 in late fees. Bad way to do business. You bankers should of been strung up and fed to the wolves after what you did in 2008. I immediately canceled the card after that sheet show.

My experience with Comenity Bank has been a total disaster. After years with DELL's credit line, the transition to Comenity was an absolute nightmare. Not only did I receive no notifications about the change, but I also never received login credentials to manage my account. When I attempted to seek help from their customer support, it was a complete joke – endless wait times, clueless representatives, and zero resolution. As a result, I ended up with a late payment on my credit report, all because of Comenity Bank's incompetence and lack of regard for their customers. Avoid them at all costs if you value your financial stability and sanity.