About ComenityReviews of about.comenity.net

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!!

I paid off my Talbots credit card with them. After years of on-time payments, they took my available credit from $3480 to $100 and told me that my credit score had changed and they made that decision. No communication as to why or that they were doing this. They impacted my credit score negatively by decreasing the credit limit on a card I paid down.

When they were instructed by merchant to refund money, they advised it would take them 4 weeks to do so. Ie: They’re going to make interest on my money as long as possible because they are disreputable, and without scruples.

The worst bank I’ve ever dealt with. My wife was primary card holder, she died 12/31/22. I notified these clowns in Feb of her passing. Immediately both her card and my card were cancelled. Fine, I expected that. I paid the card balance for Jan, 2023, $2829.24 on 2/10. BJ’s dropped Comenity (completely understandable) and Capital One was the new company serving BJ’s. I called Capital One and they never heard of us. Called BJ’s, was told the account was now being handled by Goldman Sachs. Why? I was then told $44.95 was due on my wife’s card, how she charged from the grave is unknown, but a bill was supposedly sent 03/24/23. On 03/23/23 I received a notification from a credit monitoring service stating Comenity Capitol reported to Experion a $44.00 balance was reported as a charge off!! Two days later I get the same notice from TransUnion. Called Comenity, was told its standard procedure to write off balances upon death. That’s just great. Two days after billing the debt is classified a charge off. Each of those credit agencies then lowered my credit score from 830 to 790. Who fixes that? Comenity was only willing to provide the agencies phone number, but wouldn’t do anything more to restore my rating. Now I get to hire a lawyer to straighten it out. Don’t even think about using Comenity.