About ComenityReviews of about.comenity.net

Absolute clown car of a company. Just total cluster from beginning to end. AAA's decision to transfer over from BofA is absolutely shameful. After many back and forths with various iterations of customer service -- no call under an hour at international rates -- I have learned that they have closed my account on a whim, despite the fact that I have had the card for decades, have never missed a payment and am only carrying a small amount on it to maintain a credit presence. They didn't actually tell me they did this, either. I just found out when I tried to use it and it got declined (this was after it took me nearly 2 months, and three follow-ups to actually receive the stupid thing in the first place). Am planning to report them to the Consumer Protection Bureau. This sort of incompetence can have a genuine effect on individual credit ratings -- I got off easy with just several hundred dollars in phone bills. Based on other reviews, it looks like Comenity's incompetence has dinged credit ratings and cost other customers thousands of dollars in late fees. No discount is worth subjecting yourself to this level of grift. If the account paperwork says "Comenity" or "Bread Financial" at the top, bury it in cement and drop it into the Mariana Trench.

I am here to provide a PSA for anyone looking to use this bank’s services. I have never ever encountered a more dysfunctional organization. After 1.5h speaking with representatives and supervisors, they are unable to reason about a credit application for which they couldn’t verify identity but are not willing to allow me to verify identity either. They keep transferring people in a system that they blamed for having changed options that they do not know what they are. I have never seen anything like this before. Horrific customer services, do NOT use their services!

This company is a scam. Make sure you pay your card in advance. I paid my bill in full one day late ( the day the payment processed) and wasn't aware of the late fee they gave me for being one day late and ended up getting a bill for hundreds of dollars for a late fees for a late fee... Not until I got the collection notice. My fiance had a card and had his payments on auto pay and they processed his payment a day late each month to keep charging for late fees even though the balance is paid off...and the late fees are $39 dollars and up... STAY AWAYYYY

This bank is horrible. Paid my balance early but they did not post it...charged fees and interest. I have a AAA Travel Advantage card through them. I will NEVER use the card again. They do not accept EFT so my bank has to mail them a check. Comenity CANNOT be trusted.

Several months of trying to pay them unsuccessfully. There are numerous payment methods, none of which work. I finally called a rep, who processed my payment, only to be called by Comenity collections telling me my account is past due. It seems my payment is showing but not posting to which I was told, quite smugly, that "calls will continue until the payment is made". Screw you morons. If I didn't need the info for my credit report I'd close my BJs, Famous Footwear, Venus, Boscov's, etc. lines of credit. Called customer service with four issues - ZERO of them resolved! Way to go "BREAD"!!

Of course if there was a negative star review I would have used that. This card is most definitely a SCAM! I cleared my balance with them months ago and clearly asked them to close my account. They never did and I got some fraud activity on it. When I tried to contact them at first for about a week or two none of their systems worked, neither their phone system, their online, or their app. Finally I got a hold of someone who admitted to the fact that the charges were from strange sites and were obviously fraudulent. He promised to clear them and close the account. This was five months ago. I have been trying to contact them via calls and letters and so on. Their phone service is a disaster! I sent them a letter and they sent me a letter back giving me their phone number and asking me to call them back!!! The absurdity! I actually DID try to call them back and got hung up on every single time! Every month they casually send me an email with a higher amount due to interest asking me to make a payment! How dare they! I am getting SICK! Like ulcer pain sick every time I hear the word comenity. Please save yourself from pain and DO NOT APPLY for this SCAM CARD!

I would like to add my voice to those that say not to use this bank. I have a cc with them through BJ's. They don't answer their phone and they are never helpful. I pay my balance off every month but they are charging me $300 in interest payments because I was out of the grace period. The representative couldn't tell me what that was. I have canceled my card and will never do business with them again.

WORST LENDER in the country! Buyer Beware! Bought a $25000 diamond engagement ring from #BlueNile online jeweler and applied THRU THEM for financing was approved thru Comenity Blue Nile with no interest for one year. Right at the one year mark (during Covid) my fiancé and I were both sick with Covid and hospitalized. Needless to say i missed the deadline for NO INTREST. I called 2 weeks later when i was well again, and explained that I was infected with Covid and was in the hospital and that i was willing (during that call) to pay the entire balance of the no interest loan right then in full! and they could care less! they did NOTHING for me, and wacked me with over $7000 in interest that Iam now on the hook for to pay....this company is REPREHENSIBLE to say the least....