About ComenityReviews of about.comenity.net

On June 2 I discovered that Comenity does not have an industry standard website access such that you can review your account in detail in real time, view statements, balances and due dates, etc. In fact one can not even set up Auto Payment, the feature that most sensible credit cards users employ to avoid making late payments. In fact I even had difficulty making contact with their primitive account center which requires that you input the last 4 of your social security number every tine you visit (a security issue). I then did research that showed many people essentially complain that the company is a late fee and penalty generating operation where the consumer has little access to their account information and customer service is essentially non-existent. If you feel that you being manipulated or cheated by this company, consider filing a complaint with the Consumer Financial Protection Bureau.

This is not my first go round with Commenity Bank. I had a horrible time with them when I was using Pet Care. I went round and round with them because they kept putting a charge on a charge on a charge on something I had paid in full. I just experienced exactly that again with my Florida Bealls card! I paid in full and they added a two dollar fee which they kept multiplying monthly. When I threatened to cancel the card, the CS lady got permission to remove all the fees. The customer service lady was nice, but I will never use that card again.

First, I am shocked Comenity is Bread Financial! I have used Bread Financial with no complaints. Ulta Beauty MasterCard is through Comenity. I opened the account three months ago and closed it yesterday! Every month I had to call! Their billing cycle does not even give u 30days from time of purchase to next billing. They held two charges then put them on the next cycle. No pending info or any info about it! Even if closing the account dings my credit score, it is worth it to me!

It was really difficult to figure out the payment online. When I finally paid the card I full, they charged me a fee for having a zero balance. The customer service rep was very condescending and rude, and never gave a straight answer as to what the fee was for. He just kept saying “I told you” but never gave a legitimate answer as to what the fee was. I will be closing this account once I can negotiate this fee. I won’t be opening another account with them. I shouldn’t be fined for a zero balance

horrible customer service. what a joke.

On May 3, I called Comenity about my Caesers Rewards Visa, I let them now I was going to New York & would be using my card for payment while in NYC on May 9th-11th. In NYC on May 10th, I attempt to make a purchase & my card is declined. I call Comenity & go through their Fraud steps, they confirm its me, they tell me they have unlocked my account. I wait approx 30 min & use my card again & it is again declined. I called them back to see what was going on again & I am told their fraud department needs to send me a code. I wait a few minutes and I have not received anything and they tell me they sent it again. I get the code and give it to them. I am told the code doesnt match and my account has been PERMANENTLY CLOSED due to fraud.. They tell me there is nothing they can do, I have no other options to prove I am me, NOTHING. I have an 791 credit score, never a later payment, and just like that they permanently closed my account and tell me they cant reopen it. What I believe happened is when the woman resent the code the second time she actually sent a different code. After I got off the phone with them I saw I had received a SECOND message with a different code. I was NEVER told they would be sending a DIFFERENT code when they resent it nor did I have anyway to know when I received the first code that it was not the code they wanted since it was the first code I saw I received before I saw I was sent a second code. I was never told if you get this wrong while standing in the middle of NYC without payment options, trying to figure out what is going on with your account that we are going to PERMANENTLY CLOSE your account. Mind you I had already confirmed my name, address, phone number, last 4 of ss number, last 2 payment amounts and the bank information those payments came from but apparently that wasn't enough information to confirm it was me. I asked to speak to a Manager and was connected to "Jose" who was rude, unhelpful, basically told me they were a bank and could do whatever they wanted and they werent going to open my account back up. I could have sent them photo ID or other options if they had fraud concerns. I already have reservations for Caesers properties in Las Vegas for June but if this can't be resolved and I cant continue earning points with my Caesers Visa then I will probably cancel my reservations and go with MGM instead who have given me no issues. Caesers need to figure out how Commenity bank is costing them customers due to their horrible customer service.

Since AAA switched their affinity credit card to Comenity from Bank of America, the service at every level has been terrible. After having a AAA VISA for over 25 years, I finally threw in the towel and canceled.

I paid off all my balance in B&H payboo card but they keep charging me "late" fee, pretty nasty bank to deal with. Customer service is also VERY LOUSY and RUDE!!